
Jeff Cloer, LUTCF, CLTC
Jeff, a Life and Health Insurance consultant with Eben Concepts – Wayah Insurance Division, has worked for several years on both regional and state Health Underwriters boards. A member of NAHU since 2006, he has served on the North Carolina board of Health Underwriters as professional development chair and as President of the Western North Carolina chapter. His industry awards include the Member of the Year for the WNC heath underwriters chapter and Spark Plug award winner at the state level in additional to being a Keystone Thoroughbred Award winner, 8 year member of the Million Dollar Round Table and a 4 year LPRT Soaring Eagle.
A graduate of Western Carolina University, Cloer spent 14 years in the wood flooring manufacturing business. He last served as Vice President of Sales & Marketing for Capella Wood Floors before leaving the wood flooring industry to become a professionally licensed life and health insurance agent in 2006. He also holds the professional designations of LUTCF and CLTC. Cloer also volunteers with Rotary and serves on Southwestern Community College’s Board of Trustees. Cloer is a former member of the Macon County Community Foundation Board and a former board member of the Franklin Chamber of Commerce. An eight generation native of Macon County, he lives in Franklin, NC with his wife, Brenda, and they have two grown children, Tyler and Morgan.
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@ebenconcepts.com
(828) 328-5671

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

Devon Bradshaw
dbradshaw@ebenconcepts.com
(504) 343-4309

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

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

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

Lewis Gale
lgale@ebenconcepts.com

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

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

Stephen Hamilton
sthamilton@hawkemail.com
(504) 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

Rob McVay
rob@pinehurstinsurance.com
(910) 295-1431

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

Asia Rutherford
amrutherford@ebenconcepts.com
(423) 717-3703

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

William Seawell
wdseawell@ebenconcepts.com
(828) 669-7912

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

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

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

Phebe Starkey
ppstarkey@ebenconcepts.com
(865) 453-4675

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

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

Rosie Valle
rrvalle@ebenconcepts.com
(832) 230-0680

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