Posts filed under: Insurance

A true full picture of the market Northern Financial Group has specialized in group benefits for over 30 years. Throughout this period, we’ve narrowed our focus to partnering with the top group benefit providers in Canada. We only work with...
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If you’re new to group benefits and searching the market for quotes or reviewing your current group benefits plan you should take into account how long your rates will be locked. Most plans will have a first year rate lock...
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It will come at no surprise that this article will ultimately recommend Northern Financial Group as your group benefits representative/broker. Nonetheless, the purpose of the article is to highlight what you should expect from your representative and discuss topics to...
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We all like deals or discounts – whether it is for products/services essential for daily business operations or non-essential items such as the newest iPhone. That being said, when it comes to your group benefits plan, deep discounts may be...
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Our last post talked about defining plan objectives for what you want your employee benefits plan to accomplish. The next stage of building a group benefits plan is Plan Design. A few things to consider when designing your group benefits plan;...
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OBJECTIVES FOR BUILDING A GROUP BENEFITS PLAN Deciding to put a group benefits plan in place or revising your current plan should be accompanied by objectives you’d like to accomplish. The most popular reasons for putting a plan in place...
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You’ve likely heard about the recent reports of some Tim Hortons locations reducing employee benefits as a result of  the Ontario government increasing the minimum wage from $11.60 to $14 (effective January 1st 2018). Regardless of the end game, the minimum wage...
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Canadian Institute for Health Information (CIHI) released a report today outlining health spending in Canada. Drug costs are the fastest increasing according to the report – as shown in the graphic below:   Across Canada, healthcare spending will increase $242...
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An increasing amount of business owners are frustrated with their elevated premiums and high renewal rates. The culprit is often high limits per paramedical services. Paramedical services includes; massage therapy, physiotherapy, chiropractic care, acupuncture, and osteopathy. Broadly speaking, these are services...
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We are entering into our 31st year in business and 4th year of exclusively offering the $30/month Olympic Benefit Plan. We couldn’t be celebrating these accolades without our high regard for building trust. Trust between our clients and prospective clients...
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