
Marsha Letterman
Marsha has been in the insurance industry for over 15 years. She started her insurance career in 1998 as a life insurance agent with a family owned brokerage firm, Consolidated Insured Benefits, in Greenville, SC, where she previously resided. After relocating back to her home state of NC in 2004, she worked as a property and liability agent for Fortner Insurance Agency in Burnsville, NC. Her successful experience in property and liability insurance brought her to Cardinal Insurance Agency, Inc., in January of 2010. In May of the same year, she was approached by eBen and was offered an Account Manager’s position, working for Lee Ellis’s team in Spruce Pine, NC and Johnson City, Tennessee.
Marsha has a passion for helping people and works hard to meet each individual client’s needs, no matter how big or small.
Marsha is a current member of the National Association of Health Underwriters and is also a member of her local association, Western North Carolina Association of Health Underwriters, which she takes an active part in throughout the year.
Marsha and her husband Ronnie have two children between them, Ryan and Austin. Ryan currently resides in Orlando, FL where he is attending college and works full-time. Austin is finishing his last year in high school and will graduate in May 2015. He enjoys spending time with his friends and working in his Dad’s landscaping business.
Outside of work, Marsha enjoys several hobbies and activities, including, family time(especially watching NFL football – Go Philadelphia Eagles!) attending classes at the local gym(Zumba and Aerobics,)bargain shopping (especially Goodwill Retail Stores,) and most importantly attending church in her community.
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