Our Services
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MISSION STATEMENT
Norbar Insurance Agencies’ mission is to provide security and peace of mind to our clients and their employees through hands-on practical expertise and innovation in the design, communication and ongoing service of individual and group benefits, retirement products and other employee-related insurance services.
TERM & Permanent LIFE INSURANCE
If you are between 18 and 70 years old, Term Life Insurance can secure you and your family’s financial security. The younger you apply, the lower your rates!
Universal Life Insurance
Universal Life Insurance combines lifetime insurance coverage with the long-term growth potential of tax-advantaged investing.
EMPLOYEE BENEFITS
We provide our creative experience to enable organizations to design or restructure benefits plans in which costs can be effectively controlled and employee satisfaction can be realistically maintained.
RISK MANAGEMENT PLANS
Risk Management Plans enable us to provide your key people with the best financial products available to the marketplace, thus securing their personal well being and maximizing their contributions to your organization.
Group Registered Retirement savings plans (RRSP)
We provide our creative experience to enable organizations to design or restructure benefits plans in which costs can be effectively controlled and employee satisfaction can be realistically maintained.
Deferred profit sharing Plans (DPSP)
A Deferred Profit Sharing Plan (DPSP) is a registered plan that allows companies to share their profits with employees. DPSPs provide tax incentives and allow for vesting periods on employer contributions.
Business loan insurance
Business Loan Insurance can help you protect your business’ ability to meet your financial obligation in the event of your death or disability.
Disability Income
Have peace of mind with Disability Income Insurance designed to protect 60% – 85% of your income if you cannot work for an extended period of time.
Critical Illness
Critical Illness Insurance provides financial help with the costs of living with life-altering illnesses. If you become sick with an illness covered by your policy, you may be able to receive a lump-sum cash payment.
Long-Term Care
Long-Term Care Insurance can provide an income-style benefit if you become unable to care for yourself and need assistance to manage daily living activities.
Annuities
An Annuity can help secure your retirement by paying you guaranteed regular income. With flexible solutions, you can purchase an annuity with a lump sum or multiple payments over a period of time.
Registered Retirement income FUNDs (RRIF)
A Registered Retirement Income Fund (RRIF) is a way to use your RRSP savings to generate retirement income while continuing to have taxes deferred growth.
Registered Retirement savings plans (RRSP)
A Registered Retirement Savings Plan (RRSP), is an investment account designed to help Canadians save for retirement. Open an RRSP and start enjoying all the tax benefits that RRSPs have to offer.
Registered Educational savings plans (RESP)
A Registered Education Savings Plan (RESP) is a special savings account for parents who want to save for their children’s post-secondary education.
Segregated Funds policies
Segregated Funds Policies will grow your investments in the financial markets, while also offering insurance protection through customizable guarantees that help protect your investment and help save your money.
Wealth Accumulation Plans
Wealth Accumulation Plans put your money to work for you. Never worry about unpredictable market swings. These plans both protect you from financial shocks and give you the security you need.