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Welcome to the Trust!
The NWFA Trust provides participating employers complete employee benefit services and consultation. With nearly 100 banks and credit unions and over 4000 employees, the NWFA Trust combines its leverage and customization capabilities to bring employers of all sizes the best possible employee benefit package for their people and their bottom line.
For over 60 years, the NWFA Trust has been meeting the unique and changing needs of financial institutions like yours. The following services are included at no additional cost to our NWFA Trust participating members.
Thank you, Donna and team! You make my job a lot easier. Keep up the great work.”
It has been a pleasure working with Donna and her team. Trying to navigate the world of benefits can oftentimes be confusing. Donna and her team break it down and provide you the answers you need to make informed and educated decisions for plan designs and costs as well as provide needed answers to day-to-day questions. Brown and Brown have been terrific partners for us at Community First Bank/HFG Trust!”
Working with NWFA makes it so much easier to offer a great benefits package to our staff. They are easy to work with and will find the one that fits best for your company.”
I have been treated so well, with any of my concerns or problems I encounter. Brown & Brown staff are exceptional! Vimly staff have taken care of any questions quickly. I appreciate the seriousness of any requests I make and the patience and understanding for resolutions.”
Everything the NWFA Trust has to offer is worth more than words can describe. They are the best!”
Donna and her team provide complete support in planning, communicating and administering benefits. They are always willing to help my employees and myself. In addition to the Value we receive with benefits, I have used HR consultation services, benefit hub to provide discounts to employees, and keep wellness in front of my people using newsletters and challenges. I can't say enough about the NWFA team at Brown and Brown.”
Love the short/long term disability pricing and ease of the website.”
I am very excited and appreciative to have the NWFA Trust as a partner and resource in the realm of Employee Benefits/HR. Donna, Leslie, Stephenie, and Allison are very knowledgeable and helpful and always strive to satisfy our needs even when we throw problems at them. They always see the possibilities and potentials!”
Since moving to NWFA Trust, our bank has experienced better rates on our insurance and a better cafeteria of benefits. The customer service from the Trust is superior. I highly recommend anyone considering a change to give them a call.”
[Regarding the Trust Employer Portal]: Great website with all the insurance information I need in one place!”
I have been so grateful for the Trust! It has taken a lot of the stress of Health Plans off my plate. The support is always excellent and I can find help whenever I need it, very easily! I also love getting together once a year for the Renewal meetings to hear about anything new or changing. And it's always great to see and talk to similarly sized financial institution participants.”
The Trust team is great to work with. They are all very responsive when I reach out to them. Best customer service! Thank you, Trust team.”
The ease of administration [on the Wellness Challenge] allowed for additional time to encourage participation and weekly conversation regarding the challenge and their results.”
Our experience with the NWFA Trust has been very positive. The service, pricing, and communications have been top notch. The Trust has made managing our benefits better and easier.”
Always a pleasure working with the Trust team. Everyone is knowledgeable, helpful, and kind - and always prompt in getting back to us. Appreciate them so much!”
[The Wellness Challenge] was great! I loved that I didn't have to monitor it! Thank you!”
Year after year, the Trust continues to operate with a high level of integrity, and fights hard to get us the best rates possible. Most importantly, we haven't had a double-digit increase on medical rates since joining. We had a significant increase every year prior to joining the Trust.”
Send us an email:
Senior Vice President, NWFA Trust
As an Employee Benefits Consultant and leader of the NWFA Trust team, Donna knows that strong negotiation skills and a keen understanding of...
CONTACT MESenior Vice President, NWFA Trust
As an Employee Benefits Consultant and leader of the NWFA Trust team, Donna knows that strong negotiation skills and a keen understanding of markets and compliance are key to providing quality insurance services for her customers. By fully comprehending the precise and unique needs of her customers, Donna ensures maximum success for the companies within The Trust.
While we have the experience to work with any industry, we have developed several specialties over the years.
Below are just a few of the areas we can provide our expertise and guidance:
Construction: Wes Carter. Account Executive. His specialties include: workers’ compensation, general liability, professional liability, manufacturing, and construction.
EIFS Contractors: Bryan Dunn. Vice President/Account Executive. With over 25 years in the insurance industry Bryan’s specialties center around the construction industry with an emphasis on EIFS contractors. Interested in EIFS? Read more here.
Public Entities (Schools & Non-Profits): Kim Wilson. Vice President/Account Executive. With more than 37 years in the insurance industry, Kim specializes in risk management for public entities and schools, non-profit organizations, errors and omission exposures, professional liability, contractors, manufacturers, wholesalers, and non-profit organizations.
Financial Institutions: Nat Whitcomb. Vice President/Account Executive. With over 40 years in the insurance industry, Nat specializes in assessing and preventing risk at financial institutions.
Transportation: Andy Shelton. Account Executive. His specialties include: workers’ compensation, construction, transportation, manufacturing, and logistics.
Collector car clubs are a great way to showcase your prized antique vehicle(s). Brown & Brown understands that hobbyists hold their collector cars in the highest esteem, in many cases showering them with care and attention in the form of endless hours of labor, costly enhancements, and comprehensive detailing. Insuring these vehicles is equally as important for collectors, since most insurance policies utilize “Stated Amount” settlements.
Consumers often confuse “Stated Value” with “Agreed Value”, but these are entirely different settlement options when it comes to recouping costs due to a total loss or a theft. At Brown & Brown, we care about your antique vehicle as much as you do, and take careful consideration of contract language before placing you with an insurance carrier. We also partner with Collector Car Clubs to help sponsor events and assist members with their individual insurance needs. We even have the ability to introduce industry experts who can provide educational seminars upon request. If you are looking for a broker to help you insure your collector car collection, or you’re a Club Member who would like help sponsoring events, please contact Natalie Peters.
High net worth customers have special needs, which is why they elect to work with certified wealth mangers who are knowledgeable in managing large portfolios. These same customers may not be aware of the significance of having a private customer insurance advisor who specializes in insuring their high value assets. High net worth insurance caters to an affluent demographic with unique needs surrounding jewelry and fine art collections, high value homes (homes over $500,000 in replacement value), expensive vehicles, sports cars, wine collections, heightened overall liability exposure, coverage for chaired nonprofit positions, cyber fraud and liability issues…etc.
Brown & Brown partners with wealth managers to make sure there are no gaps in a customer’s insurance policy that may cause unnecessary financial strain. Above all, we want to make sure your customer’s portfolio is not compromised due to a catastrophic loss. Please contact Natalie Peters to learn more about how Brown and Brown can offer comprehensive insurance reviews to your customers.
Brown and Brown offers exclusive services to Loan Officers and Mortgage Advisors by consulting with their home buyers and finding the most comprehensive coverage at the lowest cost. We recognize the importance of meeting deadlines in the process of purchasing or refinancing a home, and we are sensitive to the fact that outstanding insurance requirements can cause delays.
We strive to respond immediately to our customers with holistic binder requests, because we believe clear communication is essential. Please contact Natalie Peters to learn more about how Brown & Brown can create a seamless experience for your customers.
Settling on a plan design that fits your budget is a tactical move, but it is not a strategy. Our first step at Brown & Brown is always to work with our customers to help them articulate their immediate AND long-term goals. Once we know and understand a customer’s goals, we work to design a multi-year strategy that meets every one of those goals.
For any strategy to be successful, it must be managed. We work with you and your team to set, collect, and review the metrics needed to identify and make required improvements along the way. These measurements and modifications ensure a dynamic and evolving plan that meets the goals you have set, including budget, employee attraction, satisfaction & retention, as well as ease of implementation and long-term management.
Businesses that value their employees need the power and expertise of stellar Human Resources representatives.
Brown & Brown partners with some of the nation’s leading HR experts who understand the intricacies of strengthening today’s businesses.
Through our select partners, our customers receive unlimited monthly telephone consultations and email correspondence with a dedicated HR team.
Additionally, we offer live consultations with a Workplace Conflict Resolution Specialist to:
At Brown & Brown, we understand that every organization is unique and bears different exposures to loss.
We are here to help you understand the risks facing your organization and the most effective ways to insure against them. We’ve developed a process based in the discovery of the exposures and facing each customer. We also work to help you determine your risk tolerance and goals for eliminating losses. We analyze policy language and bring creative solutions to achieve these goals.
As a national broker we’re able to leverage tremendous buying power on our clients’ behalf, but our localized structure maintains laser focus on each customer’s individualized needs.
As a national brokerage, Brown & Brown can access nearly any insurance carrier and can write coverage globally.
We leverage this access to create an unmatched level of competition among insurance carriers seeking to write our customers’ business. By continually fostering this competitive atmosphere with our carrier partners we’re able to continually deliver superior results for our customers no matter what sort of market cycle is currently playing out.
WE WORK WITH:
While we are insurance brokers, we understand that effectively managing risk means more than just purchasing a policy.
Our clients receive a host of services aimed at developing robust risk management and saving our customers time in doing so.
Some examples include:
No one has to tell an employer in today’s market that the costs associated with their pharmacy program are on the rise with no silver bullet in sight to correct that trajectory. While that is certainly true for the overall market, we have solutions to increase transparency and minimize those costs for our customers.
Pharmacy claims represent one of the largest opportunities for better management of your plan and its financial performance. Let us help you better understand and control this sector of your plan’s costs and develop and execute a strategy for improvement.
Traditionally, the role of an insurance broker has been quite technical, including tasks like: quoting plans, negotiating renewals, comparing plans, and submitting applications.
Over the past few years, however, healthcare reform has shaken the industry. As healthcare costs continue to rise and more regulatory requirements are placed on employers, the role of a broker has proportionally expanded. Today, a broker must be able to engage employees and leverage technology in order to comprehensively serve a company.
At Brown & Brown, we take the scope of our job as your benefits broker seriously. We can and will give you the expert guidance that makes the benefits selection, implementation, and analysis process smooth, straightforward, and strategic.
To properly identify the risks driving your company’s healthcare expenses, it’s important to conduct a holistic review of your company profile. Your Brown & Brown representatives will ensure that this review is carried out with the utmost care and consideration. The data we compile will directly shape your benefits plan, and it can also help us determine targeted strategies to reduce risk for your particular business.
Our employee benefits team has spent decades accruing healthcare experience and medical knowledge. In addition to crafting your benefits package, we’ll also work to help you implement effective risk reduction programs and hold your health partners accountable throughout the process. Lastly, we will strive to engage your employees in the wellness practices that will keep them fighting fit year-round.
Whether you’re dipping your toes into workplace wellness or you’re ready to dive in and create a culture of wellness in your organization, the NWFA Trust is here to help.
We offer the following wellness resources at no additional cost: semi-annual wellness challenges, Wellness Dollars, communication pieces, and strategy development and ideas.
There are several regulations governing employee benefit plans, many of which are extremely complex.
Our resources will help you meet your compliance obligations and keep you up to date on laws and regulations that affect your benefits program.
Informed employees make smart consumers. Smart consumers make smart choices that can save you money when it comes to their medical, dental and vision care.
The NWFA Trust helps by providing: employee education, a dedicated helpline, open enrollment support, and customized Employee Guides.
When considering a specific exposure to loss, there are usually multiple ways to insure for it. These will inherently bear certain advantages and disadvantages as well as varying costs. Looking deeper, insurance contracts bear a myriad of terms and conditions which often vary widely from one edition or insurance company to another.
Your Brown & Brown team understands how these conditions are applied to real situations will engage in ongoing analysis to make certain that your insurance program is structured to cover your needs in the most cost-effective way possible.
Your employees’ ability to perform at their peak depends upon a number of factors. Regardless, the wellbeing of your employees will always directly affect your organization’s bottom line.
To ensure that your employees are at their prime, you need an experienced partner to help you create a custom, holistic, reliable program that addresses every aspect of employee health and wellbeing. You need Brown & Brown.
As your benefits partner, we help you meet the needs of your employees and budget. Our services include: strategic planning, funding alternatives (including HRA/HSA options), and plan design recommendations.
Partnering with Washington’s and Oregon’s top carriers, the NWFA Trust offers over 50 different plans customizable to the needs and goals of your financial institution allowing you to create a benefits package as unique as you are, including:
Premera Blue Cross; Regence BlueCross BlueShield of Oregon; Kaiser Permanente; Delta Dental of Washington; Delta Dental of Oregon; Willamette Dental; Vision Service Plan; First Choice Health EAP; The Standard; and Hyatt Legal.
Our drive to be the best has made Brown & Brown one of the largest and most respected independent insurance companies in the world. We are currently ranked as the sixth largest such organization…
Answering employee benefits questions is time-consuming. Researching information, following up on claims issues and helping people understand their benefits can eat up hours of your week. Think of the NWFA Trust as an extension of your HR Department.
We can help you save invaluable time and resources by providing you with: a dedicated helpline, claims support, communication materials, and exclusive membership with HR Workplace Services (our strategic partner).
With the NWFA Trust, we can guarantee:
Consolidated billing: One bill for all lines of coverage within The Trust
Online Enrollment: Simple, user-friendly, online employee enrollment
COBRA Administration: Included with medical, dental and vision coverage
There are many factors to employee success in the workplace. Ambition, tact, and creativity can increase an employee’s value in an organization. But engagement—on the whole—may be the most important factor of all because it is owned and internalized by each individual. This means engaged employees want to succeed, which, in turn, furthers the organization’s success.
Brown & Brown will work to customize a plan that suits you, your employees, and your entire organization.
Client portal. Client Portal enables your organization to do business when and where it is convenient for you. Client portals simplify the process of verifying coverages, printing ID cards, and managing Certificates of Insurance. You can even upload or download documents through a secure portal.
Online risk management portal. Whether your business could use assistance with an operational safety audits, development of a behavior-based safety program, implementation of an injury and illness prevention plan, or creation of a company-wide training program, we offer the professional resources and technical expertise to get the job done.
The landscape of employee benefits is always changing. We help you stay on top of what you need to know by keeping you abreast of new laws that are passed and new items that need to be implemented. We help make it easy for you to meet annual notice distribution requirements and are always a resource for your tricky compliance questions and concerns.
We provide you with annual employee notices in your customized Employee Guides (CHIPRA, WHCRA, Newborns Act, Medicare Part D, Exchange Notices, COBRA, etc.).
For all lines of coverage inside the NWFA Trust, your 5500 Filing/Summary Annual Report requirements are met for you. We can also complete all 5500 filings for any lines of coverage we broker even if they are outside of The Trust.
For most employees, the more choice the better! A customized voluntary benefits program designed to augment the more traditional employer’s selected offerings gives your employees the ability to design an overall benefit program that more specifically addresses their needs and budget.
As the trend continues toward workers paying for more of their own benefits, voluntary benefits can have a large impact on employee satisfaction and retention. Brown & Brown will help you customize a voluntary program that includes options such as: supplementary life and disability insurance, employee assistance programs, identity theft protection, pre-tax commuter benefits, and even discount and special service programs. Let us help you turn a good plan into a great one!
Our drive to be the best has made Brown & Brown one of the largest and most respected independent insurance intermediaries in the nation, with 75 years of continuous service. The Company is ranked as the sixth largest such organization in the United States and seventh in the World by Business Insurance magazine.
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