Northern Capital Insurance - Employee Benefits

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NORTHERN CAPITAL LIFE AND HEALTH

Northern Capital Life and Health Insurance has provided Employee Benefit Services to individuals and businesses for over twenty-five years.

Employee Benefit Specialists are the critical link between you, the consumer, and insurance companies. They provide and service insurance products while educating and advising you on how to manage risk and make informed insurance choices.

Employers in both the private and public sector face a rapidly changing environment relative to benefit design, delivery, and management. In addition, because of today’s competitive markets, more and more employers are using employee benefit programs to support key financial, operational, and cultural objectives.

Dramatic changes in the insurance marketplace make the Employee Benefit Specialist’s role increasingly important to individuals and small businesses in finding cost-saving measures and coverage options. Northern Capital Life and Health has the expertise and experience to help employers make the right decisions.

Northern Capital Life and Health’s staff of insurance professionals will guide you through the complex task of choosing appropriate coverages at an affordable cost. We will work closely with you to design efficient and cost-effective plans that reflect your business goals.

COMPENSATION

Our Employee Benefit Specialists have a strong financial and professional incentive to give our clients a lifetime of quality products and service. We are not salaried employees of the insurance companies we represent.

We are compensated on a commission basis – a percentage of premiums you pay your insurance company, or on a fee basis. In either case, our Employee Benefit Specialist’s loyalty and compensation rest with you, the consumer.

Regardless of the method of payment, our Employee Benefit Specialist have strong incentives to place consumers with strong, financially stable carriers and provide superior service on an ongoing basis.

What you should expect from your Employee Benefit Specialist

	Work with you to evaluate your specific needs for cost effective insurance
	coverage.

	Explain the details of various insurance programs.

	Make specific recommendations and tailor plans to suit your special needs
	and budgets.

	Review your plans periodically to update coverage along with appropriate
	cost analysis.

	Serve as your advocate and advisor in dealing with insurance carriers and
	administrators involving claims, services, as well as federal and state regulations

Our Mission

Provide competitive, high-quality products and services that will address the needs of our clientele.

Provide these products only through reliable and financially sound insurance carriers.

Provide programs that are service driven, coverage conscious and risk management orientated.

Our Values

Northern Capital Life and Health has an on-going commitment to helping our clients grow and be successful. Our knowledge and resourceful staff is dedicated to listening carefully to clients’ needs, and to meeting those needs quickly and appropriately. We maintain the highest standard of business ethics and stand behind the quality of our services.

Our Vision

Our vision is to be a recognized innovator in the Employee Benefits marketplace. To achieve this vision, we need to do more than deliver quality programs to our clients. We must identify and understand the ever changing needs of our clients.