
David Smith
David C. Smith, JD REBC is Senior Vice President of eBen. A native of Banner Elk, North Carolina, he is a graduate of the North Carolina School of Science and Mathematics, the University of North Carolina, Chapel Hill and North Carolina Central University School of Law’s competitive Evening Program. David directs all compliance matters for the agency, its agents and their clients, as well as serves as the primary sales director for its technology and risk management strategies for larger clients. In addition, he spearheads strategy and data analysis for the agency’s self-funded clients.
He began his career working on policy and regulatory issues at the state level in the early 1990’s and remains actively involved with the NC Department of Insurance on issues effecting employers and agents within the state. David also worked with Blue Cross and Blue Shield of North Carolina, the state’s largest health insurer, in numerous capacities in the sales and marketing division while completing law school before practicing law on a full-time basis until 2009, focusing on employee benefits and insurance related matters.
David is acknowledged nationally as an expert on employee benefits, including ERISA, COBRA, HIPAA Privacy, Wellness, and the Affordable Care Act. He has worked with federal and state regulators on David has written numerous articles for national publications on the impact of new and evolving federal laws and regulations on employers and employee benefit plans and is frequently quoted in numerous media outlets on these topics. David authors opinion and compliance articles and blog posts frequently for Employee Benefit Advisor.
A very active member of the National Association of Health Underwriters, David has served in leadership positions at the local, state and national levels for the organization.
His leadership in our industry has been recognized numerous times. David was named the 2013 Health Plan Advisor of the Year by Employee Benefit Advisor magazine and twice named to the Hot 100 Insurance Professionals by Insurance Business America magazine. In June 2018, David was awarded the Harold R. Gordon Memorial Award, NAHU’s highest honor that carries with it the distinction of being recognized as the Health Insurance Industry’s Person of the Year.
David has been certified by NAHU as a Specialist in the Affordable Care Act, Worksite Wellness, HIPAA Privacy & Security, Benefits Technology, Self-Funded Health Plans, and Advanced Self-Funded, having not only completed the necessary educational requirements for each, but also by authoring (and co-authoring) five of these top-ranked certification programs for agents, brokers and consultants. He earned the Registered Employee Benefits Consultant (REBC) designation in 2018 and is licensed as a continuing education provider in fifty states and the District of Columbia.
EbenConceptsConsultants
We have preferred access to a comprehensive suite of employer funded and voluntary insurance products for clients of all sizes.

Muzzy Bass
muzzy@ebenconcepts.com
(972) 687-1829

David Smith
dcsmith@ebenconcepts.com
(919) 491-4321

Lee Ellis
laellis@ebenconcepts.com
(828) 765-3499

M. Hughes Waren, Jr RHU
hughes@ebenconcepts.com
(910) 763-8050

Lori Alala
ljalala@eBen.com
(828) 328-5671

Raguet Bass
raguet@ebenconcepts.com
(972) 687-1830

Scott Broome
scott@broome-associates.com
(828) 328-5671 x113

Josh D. Burger
jdburger@ebenconcepts.com
(704) 663-6444

Clive Burger, RHU®
caburger@ebenconcepts.com
(704) 288-3026

Jeff Cloer, LUTCF, CLTC
jacloer@ebenconcepts.com
(828) 524-4442 ext. 237

Jerod Cohen
jscohen@ebenconcepts.com
(919) 571-4335

James Craven
jmcraven@ebenconcepts.com
(910) 391-2032

Johnny Dawkins
jldawkins@ebenconcepts.com
(910) 401-9452

Sam East
sceast@ebenconcepts.com
(423) 328-0034

Amy Ellis
alellis@ebenconcepts.com
(828) 765-3499
Henry Enochs
hhenochs@ebenconcepts.com
336-579-2687

Stuart Everley
sweverley@ebenconcepts.com
(423) 328-0034

Hunter Fisher
hafisher@ebenconcepts.com
(704) 279-7234

Lewis Gale
lmgale@ebenconcepts.com
(919) 571-4335

Heather C. Gorman
heatherg@ebenconcepts.com
(336) 579-2685

Sandy Hamilton
shamilton@hawkemail.com
(540) 343-4309 ext. 203

Stephen Hamilton
sthamilton@hawkemail.com
(540) 343-4309

Evie Harrison
esharrison@ebenconcepts.com
(443) 928-4974

Tom Harrison
teharrison@ebenconcepts.com
(443) 928-4974

Michele Herbert
mherbert@ebenconcepts.com
(804) 428-0000

EJ Herring
ejherring@ebenconcepts.com
(972) 687-1871

Kate Hutchinson
khutchinson@ebenconcepts.com
(410) 972-4530

Keith Johnson
kgjohnson@ebenconcepts.com
(910) 892-2121

Andrew Kaiser
ankaiser@ebenconcepts.com
(828) 328-5671 x125

Ryan Kuester
ryan@ghtinsurance.com
(804) 428-0000

Marsha Letterman
mlletterman@ebenconcepts.com
(828) 765-3499

Kimberly Martin, RHU, CPHC
kcmartin@ebenconcepts.com
(864) 868-4850

Jake Matthews
Jamatthews@ebenconcepts.com
(910) 592-8611

Michael Matznick
mematznick@ebenconcepts.com
(336) 579-2686

John McLendon
jrmclendon@ebenconcepts.com
(828) 479-6448

Jed Metts
jemetts@ebenconcepts.com
336-679-8816

Caroline Miller
cymiller@ebenconcepts.com
(336) 667-7125

David R. Moore, CLU
drmoore@ebenconcepts.com
(336) 584-3781

Dustin Moore
dmoore@ebenconcepts.com
(336) 584-3781

Kimberly Mysinger
kjmysinger@ebenconcepts.com
(423) 639-0288

Mike Norris
manorris@ebenconcepts.com
(828) 524-4442 x207

David Peake
dbpeake@ebenconcepts.com
(423) 639-0288

David Rubnitz, LUTCF
dmrubnitz@ebenconcepts.com
(912) 352-0820

Pete Schantz
pkschantz@ebenconcepts.com
(336) 245-2529

Paula Sherbrook
pssherbrook@ebenconcepts.com
(336) 584-3781

Van Shore
evshore@ebenconcepts.com
(336) 679-8816

Bobby Spell
rcspell@ebenconcepts.com
(910) 592-8611

Cameron Spell
cospell@ebenconcepts.com
(910) 592-8611

Justin Spell
rjspell@ebenconcepts.com
(910) 592-8611

Shelley Grant Tarkington IV
sgtarkington@ebenconcepts.com
(832) 230-0680

Gary Thompson
gthompson@chappellsmith.com
(615) 435-8299

Devon Travis
dtravis@ebenconcepts.com
(540) 343-4309

Shannon Wade
snwade@ebenconcepts.com
(910) 592-8611

Wes Washel
whwashel@ebenconcepts.com
(828) 669-7912

Jonathan Williams
jpwilliams@ebenconcepts.com
(910) 592-8611

Steve Williams
jpwilliams@ebenconcepts.com
(910) 592-8611

Heather Rubnitz Willingham
hrwillingham@ebenconcepts.com
(912) 352-0820

Robbie Willingham
rawillingham@ebenconcepts.com
(912) 352-0820

Eric Yablon
ejyablon@ebenconcepts.com
(972) 687-1828

Kathy Young
kvyoung@ebenconcepts.com
(336) 245-2529