Perhaps it's time to talk with Norton

Editor's Notes

• #3: About Norton:Headquartered in Maine, Norton serves clients throughout the United States from offices in ME and NHWe are a locally owned and independently operated wealth and risk management company. We are independent agents, unaffiliated with any bank or insurance carrier. We provide complete access to all carriers and vendors, including many of the largest companies in Northern New England.- It’s important to note that Norton is two actually affiliated companies – Norton Insurance and Norton Financial Services. Based on your needs, you may choose which company works for you. For example, you may choose to have relationship with Norton Insurance but not with Norton Financial – or vise-versa. Or work with both. Again, choose the option that is best for you.Full time staff of 65 professionalsEach and every member of Norton’s team of business insurance and employee benefits specialists has a depth of experience that we put to work for you and your businessNOTE: Licensing of staff.
• #4: Introduce Norton’s mission statement.- What does that mean?-At Norton, we listen more. We find out everything we need to know about your business, and then we conduct a first-class needs assessment and create best fit solutions for you to choose from. -We are always proactive and accountable for the service we provide not only to you, but also to your employees.-We believe that trust and mutual respect are essential in developing long-lasting relationships with clients. We will be a true advocate for your business, and we routinely put ourselves in your shoes - thinking about what we would do if we were in your situation, and we make our recommendations accordingly.-At Norton, our team prides itself on developing superior knowledge and following industry best practices. In other words, we have more than a casual knowledge of business insurance and employee benefits. As a result, we provide value-added services and resources that are available well beyond the resources of smaller agencies.-Finally, we always try to remember to enjoy what we do and to enjoy relationships we’ve establish with our clients.
• #5: -As I mentioned, Norton is a locally owned and independently operated business insurance and employee benefits company- Our service lines include business insurance, group benefits, workers compensation insurance, group retirement plans, as well as personal insurance and investment advisory services.-As a company, we take a consultative, relationship-based approach to both risk and asset management, and we are committed to providing you with some of the best options that work best for your business. - Our experience tells us that there are lots of common shortcuts that agents take when it comes to managing insurance and employee benefit plans – like not shopping your insurance, not helping you lower your experience modifier, and not creating a retirement plan that works for both you and your employees. These things may seem minor but in the end they can cost you serious money. At Norton, we focus on these details to save you money over the long haul.
• #6: Business Insurance:-When it comes to business insurance, Norton’s geographical reach, diversified clientele and long-standing industry relationships with major carriers = more options, better policies and exceptional rates for you-Based upon our understanding of your specific needs, we negotiate subtle policy differences to get you the biggest bang for your buck.-And our consultative approach to insurance continues throughout the year, not just at renewal time. We negotiate lower rates and shop for better plans whenever they are available, not just when it’s time to renew.- And if you ever have a claim, our agents will go to bat for you to make sure you receive the benefits to which you are entitled.
• #7: Group Benefits:- Norton Financial professionals are knowledgeable brokers who specialize in employee benefits and help you navigate the complexities of healthcare regulations, fiduciary responsibility and compliance issues.-We broker customizeconsult on customizing plans specifically for your business, and manage them proactively throughout the yearcreativity does matter in controlling costs. With Norton Financial, there are no cookie cutter solutions, and importantly, no surprises at renewal time.-Healthcare insurance is complex and expensive. With regulations and plans changing all the time, employers simply don’t have time to keep up. That’s our job. Norton does the research for you, and gives you “apples to apples” comparisons of the offerings from various carriers so you can make an informed decision about what is best for your business.
• #8: Describe health care service model
• #9: Workers Comp Insurance:-When it comes to workers compensation insurance, the way you manage your claims can have a big impact on your experience modifier – and the rates you can get for workers comp. Not all agents have the knowledge and industry connections to help you reduce your risk and you get you the best policies at the lowest rates, but Norton does.-Our professional connections with various carriers enable us to negotiate the absolute lowest rates available for top notch policies.-Norton’s agents are armed with multiple strategies for lowering risk in your workplace and keeping your premium in check.-The lower your experience modifier, the lower your premium. We help you lower your number and manage your claims, creating significant savings over time.
• #10: Retirement Plan Services-Norton Financial brokersadvisors have the knowledge and industry designations that are essential to effectively manage the complexity of the retirement plan landscape. With our fiduciary services, we share much of burden of managing a retirement plan with you. We help you navigate the changing landscape, manage the associated risks, and ensure that you’re up-to-date on the latest requirements. You’ll rest easy knowing we’re helping to keep your plan well-managed and everything well-documented.-Our in-house TPA services allow us to better design custom plans so that we can be proactive and consider compliance issues at the front end of the process as opposed to building the plan and then having to retrofit based on compliance.-Because Norton is an independent agency, we are able to give you an unbiased outlook on your options and make choices that meet your budgetary and your fiduciary obligations.- Our independent investment advisers help you select some of the best investment platform and investments for your plan. We help you set up a mix of diversified investments and provide regular evaluation of fund performance to diffuse potential problems around fiduciary claims. - With our transparent fee structure, you will know exactly what you are paying and what you receive in return-Norton isn’t just here for you, we’re also here for your employees with investment and retirement planning advice and recommendations that are clear, understandable and attainable.
• #11: Describe service modelModify this so that it pops – hard to read; men are color blind.
• #12: Personal insurance-When it comes to your own personal insurance, make sure what you do for yourself what you do for your business; don’t just buy off-the-shelf life insurance, car insurance or property & casualty insurance products. Make sure they are right for you.-Our agents understand the subtleties of insurance policies that can make a big difference when it comes time to file a claim. By understanding these subtleties, we are better able to negotiate a policy that gets you the biggest bang for your buck.-Because we are an independent agency, we are able to give you unbiased advice about which carrier or bank is offering the best policy or plan for your needs.-We don’t offer cookie cutter policies. We customize plans that cover just what you need, so you get the most for your money.-Because Norton has a diversified clientele, and long-standing relationships with many carriers, we are able to provide you with more options, better policies, and ultimately better rates.
• #13: Investment Services-When it comes to personal investment services, Norton Financial offers systematic and comprehensive processes for managing your financial life, so no detail goes unchecked. - Portfolio management is a very individualized and personal process. We take the time to understand this in tailoring our investment advise to your specific circumstances.-We won’t try to sell a plan that isn’t realistic for you. Financial planning is about more than money – and we get that. We listen to what matters most to you, and build a custom plan that pursues the goals you’ve set for yourself. -Not only do we take a consultative team approach to investment and advisory services, with Norton Financial Services you get access to cutting edge technology, investment research, smooth transaction processing and access to expert money managers through our association with Commonwealth Financial Network.