NAWP Benefits Tennessee

NAWP Benefits from Tennessee Specialists

Unique Risks. Smart Solutions.

Learn more about the NAWP Benefits policies available in Tennessee & across the US. One of our agents can help you find the policy that's right for you.

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TRM Insurance

In today’s rapidly evolving economy, the “standard” 9-to-5 job is no longer the only path to professional success. Millions of Americans have embraced the freedom of independent contracting, freelancing, and small business ownership. However, that freedom often comes with a significant trade-off: the loss of corporate-sponsored benefits.

At TRM Insurance, we believe that choosing a flexible career shouldn’t mean choosing between your livelihood and your health. That is why we have partnered with the National Association of Workplace Programs (NAWP) to provide a robust, nationwide benefits package designed specifically for the modern workforce.

Whether you are a consultant in New York, a real estate agent in Texas, or a remote developer in California, TRM Insurance brings you the group-rate security you deserve.

The Growing Benefits Gap for 1099 Professionals

For decades, the American insurance system was built around traditional employment. Independent contractors (1099 workers) were often forced into the individual marketplace, facing skyrocketing premiums, high deductibles, and limited networks.

The NAWP Contractor Benefits program was created to solve this. By leveraging the collective power of thousands of association members, TRM Insurance can offer “large group” style benefits to individuals. We bridge the gap between “going it alone” and having the protection of a Fortune 500 company.

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NAWP benefits Tennessee

Comprehensive Health & Wellness Solutions in Tennessee

A single medical emergency can derail a contractor’s business. Our health solutions through NAWP are designed to be as dynamic as your career.

1. Major Medical & PPO Networks
We provide access to top-tier PPO networks nationwide. This means you aren’t restricted to a small local radius; your coverage moves with you.

  • Tiered Plans: Choose from Bronze, Silver, or Gold-level plans based on your usage and budget.
  • Preventative Care: 100% coverage for routine check-ups and screenings to keep you on the job.
  • Prescription Savings: Integrated pharmacy benefits that significantly lower the cost of maintenance medications.

2. Telemedicine: 24/7 Access to Care
Time is money when you’re self-employed. Our plans include $0-copay telemedicine services. Instead of spending hours in a waiting room, you can consult with a board-certified physician from your phone or laptop. Whether it’s a late-night fever or a quick prescription refill, care is always one click away.

3. Dental and Vision Coverage
Often overlooked in individual plans, dental and vision are core components of our NAWP package. From routine cleanings to corrective lenses, we ensure your overall wellness is covered under one umbrella.

  • If you are the primary earner for your household, your ability to work is your greatest asset. TRM Insurance offers several layers of financial protection to ensure that even if the unthinkable happens, your family and your business remain solvent.

    Portable Term Life Insurance

    Most corporate life insurance expires the moment you leave the company. Our NAWP life insurance is portable. It belongs to you, not an employer.

    • Simplified Issue: Get covered quickly with minimal medical underwriting.
    • High Coverage Limits: Options ranging from $50,000 for basic protection up to $500,000 for comprehensive family security.
    • Disability Income Protection

     

    What happens if an injury keeps you away from your contracts for three months? For a 1099 worker, no work means no check. Our disability insurance provides a monthly stipend to cover your mortgage, utilities, and business expenses while you recover.

    Critical Illness & Accident Coverage

    Health insurance pays the doctor; Accident and Critical Illness insurance pays YOU. These supplemental plans provide cash payouts directly to the member upon diagnosis of a covered condition (like a heart attack or stroke) or following an accidental injury. This cash can be used for anything—from medical deductibles to daily living expenses.

  • Joining the National Association of Workplace Programs through TRM Insurance isn’t just about buying a policy; it’s about joining a professional community. Members gain access to a “lifestyle suite” of benefits designed to lower their cost of living:

    • Financial Wellness Tools: Access to retirement planning resources and 401(k)i options specifically designed for the self-employed.
    • Identity Theft Protection: In the digital age, your professional reputation is everything. We provide proactive monitoring to keep your data secure.
    • Legal & Tax Resources: Discounts on professional services that help you navigate the complexities of 1099 taxes and contract law.
    • Global Travel Assistance: Protection and emergency services for contractors who work or travel internationally.

  • Our nationwide program is designed for any professional who does not have access to traditional employer-sponsored group benefits. This includes:

    • Freelance Creatives: Writers, designers, and marketers.
    • Gig Economy Drivers: Delivery and ride-share professionals.
    • Real Estate Professionals: Agents and brokers looking for stable family coverage.
    • Skilled Trades: Independent electricians, plumbers, and construction contractors.
    • IT & Management Consultants: High-earning professionals who need portable, high-limit protection.

Why Choose TRM Insurance for NAWP Benefits?

Navigating the world of association benefits can be complex. TRM Insurance serves as your dedicated advocate. We don’t just sell you a plan; we help you manage it.

Nationwide Expertise: We write policies across all 50 states, ensuring you stay compliant with local regulations.

Customized Enrollment: Every contractor is different. We help you “cherry-pick” the benefits that make sense for your specific risk profile.

Claims Advocacy: If you ever have a problem with a claim, our team is here to step in and assist, ensuring you get the benefits you paid for.

Don’t let the lack of “corporate” benefits hold your business back. Protect your health, your family, and your income with the power of NAWP and the expertise of TRM Insurance. Reach out today for a fast, free quote.

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