Business Details
50 Years
experience
Your Trusted Insurance Partner in Gastonia, NC
Carolina Underwriters has served Gastonia, NC since 1976, providing personalized insurance solutions for individuals, families, and businesses. Our team prioritizes understanding client needs to deliver tailored coverage options from top-rated providers. With decades of combined experience, we specialize in group insurance, Medicare, and individual plans, emphasizing transparency and long-term client relationships.Our locally owned agency maintains industry expertise through professional designations and affiliations with organizations like the Society of Financial Service Professionals. We focus on simplifying complex insurance decisions while ensuring competitive pricing and comprehensive protection for all clients.
Services
Group Health Insurance
Medicare Plans
Individual Life Insurance
Dental Coverage
401K Retirement Plans
COBRA Administration
HIPAA Compliance
Health Savings Accounts
Wellness Programs
Disability Insurance
Details
- Year established: 1976
Highlights and features
- We offer personalized insurance solutions tailored to your specific needs
- Our team holds professional designations including Chartered Life Underwriter
- We've served Gastonia businesses since 1976 with continuous family ownership
- We provide access to comprehensive coverage options from top insurers
- Our agency maintains active involvement in local business communities
What people say
Personalized service
Knowledgeable team
Saved money
Quick to help
Long-term reliability
Services
Group Health Insurance
Comprehensive health insurance solutions for employers, providing employees access to quality healthcare while balancing affordability and coverage needs. Our team helps businesses navigate plan options, compliance requirements, and cost-saving opportunities through customized benefit packages.
Medicare Plans
Personalized Medicare guidance helping seniors understand Part A, B, C, and D options. We simplify enrollment processes, compare plan benefits, and ensure clients select coverage matching their healthcare needs and budget requirements.
Health Savings Accounts
Tax-advantaged HSA solutions paired with high-deductible health plans. We help clients establish accounts for qualified medical expenses while maximizing tax benefits and long-term healthcare savings strategies.
COBRA Administration
Comprehensive COBRA compliance services for employers, managing qualifying event notifications, premium calculations, and coverage continuation processes to maintain regulatory adherence while supporting transitioning employees.
Wellness Programs
Customizable workplace wellness solutions promoting preventive care and healthy lifestyles. Our programs reduce healthcare costs through biometric screenings, health education, and incentive-based participation models tailored to business size and demographics.
People
Jeffrey B. Flowers
CLU, ChFC
Chartered Life Underwriter with Western Carolina University BSBA. Specializes in employee benefits and retirement planning. Holds True Blue Producer designation. Former FRPCA president and CMCCBOA chairman with 30+ years local insurance experience.
Johnny A. Flowers
Insurance Agent
Western Carolina University graduate specializing in individual and small group insurance. Completes Life Underwriter Training Council Fellowship. Active in local business associations and community development initiatives through agency leadership.
Steven T. Cherry
LUTCF Associate
Licensed insurance professional with Life Underwriter Training Council Fellowship. Focuses on personalized insurance solutions for individuals and families. Maintains ongoing education in evolving insurance products and regulatory requirements.
Frances McCarter
Insurance Associate
Experienced insurance professional representing Colonial Life Insurance. Provides supplemental coverage solutions for individuals and workplace groups. Specializes in claims assistance and policyholder education for long-term client satisfaction.
Donna Bryson
Insurance Associate
Team member supporting client service operations and policy administration. Coordinates with senior agents to ensure accurate documentation and timely response to client inquiries across personal and commercial insurance lines.
Questions
How does Carolina Underwriters help with Medicare enrollment?
Our specialists explain Medicare Part A-D options, compare plans, and guide clients through enrollment to ensure coverage matches their healthcare needs and budget.
What types of group insurance do you offer?
We provide health, life, disability, dental, and retirement plans for businesses, with additional services including COBRA administration and HIPAA compliance support.
Why choose Carolina Underwriters over other agencies?
We combine 45+ years local experience with professional designations and personalized service, maintaining family ownership and community involvement since 1976.
Are your business hours flexible for working professionals?
We operate Monday-Friday 9am-5pm with after-hours consultations available by appointment to accommodate client schedules.
How do you help businesses control insurance costs?
We analyze current benefits, compare multiple carrier options, and implement cost-saving strategies like wellness programs and Section 125 plans.
Reviews (3)
Galym Berd
Mar 24, 2021
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Professional and very friendly people! Acting fast and efficient. Great communication! Strongly recommend!
Blue Owner
May 04, 2020
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I've called quite a few insurance agents to ask for certificates of insurance for contractors I've hired for residential work, but Kathy Hux with Carolina Underwriters is the most professional, nicest, and helpful agent I've ever dealt with. Each time I've called, very professional, complete certs are emailed quickly, even on very short notice. I wish all the contractors I call had insurance with this agency.
Robert Wardell
Dec 04, 2017
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Excellent service and very competitive policy pricing! CU went above and beyond the call of duty to help me with a teenage driver and I ended-up moving all my insurance policies over to them.
