Business Details
34 Years
experience
Your Trusted Insurance Partner in Asheville, NC
Founded in 1992, Insurance Specialties has built a reputation as a trusted insurance brokerage agency serving individuals, families, and businesses across the United States. Our team of experienced professionals brings decades of expertise in health, disability, life, and specialty insurance products, prioritizing client needs through a commitment to integrity, service, and ingenuity. We specialize in crafting customized solutions that address unique medical, financial, and occupational challenges, leveraging strong relationships with top-tier carriers to ensure optimal coverage.Our focus on personalized service extends to guiding clients through complex insurance landscapes, from disability planning for high-risk professions to international medical coverage. Recognized for leadership in industry organizations and community engagement, we remain dedicated to ethical practices and continuous education, ensuring clients receive informed, reliable support tailored to their evolving needs.
Services
Health Insurance
Disability Coverage
Life Insurance
Long-Term Care
Legal Shield
Travel Insurance
Critical Illness
Employee Benefits
Estate Planning
Annuities
Details
- Year established: 1992
Highlights and features
- We offer over 30 years of expertise in health and disability insurance solutions.
- Our team specializes in coverage for high-risk occupations and substandard medical cases.
- We prioritize personalized service with a focus on client education and transparency.
- We maintain strong relationships with leading carriers to secure competitive rates and terms.
- Our leadership roles in industry organizations demonstrate our commitment to excellence.
Services
Disability Insurance
We provide tailored disability insurance solutions for individuals and businesses, covering white, gray, and blue-collar occupations. Our expertise includes specialty cases like athletes and entrepreneurs, with options for substandard medical conditions. Policies protect against income loss due to injury or illness, ensuring financial stability during recovery periods.
Health Insurance
Our health insurance services cater to individuals, families, and groups, offering plans that include HSA-compatible options and short-term medical coverage. We assist clients in navigating high-deductible plans, pre-existing condition limitations, and international medical needs, ensuring access to comprehensive care while managing costs effectively.
Long-Term Care
We specialize in long-term care planning solutions that address home health care, assisted living, and nursing home expenses. Our policies accommodate clients aged 18-85, with options for guaranteed issue coverage and employer-sponsored benefits, helping protect assets from the financial impact of extended care needs.
Travel Insurance
Our travel insurance products provide medical protection for domestic and international travelers, including short-term plans for leisure or business trips. Coverage options range from $2M medical benefits to eco-friendly policies, with specialized plans for students, executives, and adventure sports enthusiasts.
Estate Planning
We offer estate planning services that address asset distribution, tax minimization, and legacy preservation. Our approach integrates life insurance and trust structures to meet individual goals, ensuring seamless wealth transfer while complying with evolving legal and financial regulations.
People
David Block
Co-Founder
David Block, CLTC, co-founded Insurance Specialties with over 30 years of experience in health and disability insurance. A former educator and New York Life agent, he specializes in complex underwriting cases and has held leadership roles in national insurance organizations.
Andrea Block
Co-Founder
Andrea Block, CSA, co-founded the agency and brings expertise in group benefits and community engagement. She has served as president of the Western North Carolina Association of Health Underwriters and focuses on client advocacy and industry education.
Melody Herman
Brokerage Manager
Melody Herman leads marketing efforts and client relations, combining generational industry knowledge with modern business practices. She specializes in connecting with younger clients and streamlining insurance processes for improved accessibility.
Questions
What types of insurance do you specialize in?
We specialize in health, disability, life, long-term care, travel insurance, and specialty products like legal shield and identity theft protection for individuals, families, and businesses.
Can you help with high-risk or substandard medical cases?
Yes, we have expertise in placing coverage for clients with complex medical histories or high-risk occupations, including athletes and entrepreneurs.
Do you offer group insurance plans?
We provide group benefits for businesses with as few as two employees, including health, dental, disability, and voluntary benefits.
Are your services available nationwide?
We operate in 13 states and offer travel insurance products that cover clients globally, with tailored solutions for domestic and international needs.
How do you assist with estate planning?
We integrate life insurance and trust structures into estate plans to ensure tax-efficient asset transfer and legacy preservation for clients.
What sets your agency apart from competitors?
Our focus on integrity, personalized service, and niche expertise in complex cases differentiates us, along with decades of industry leadership and client advocacy.
Reviews (2)
Katie Haney
Nov 10, 2018
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Great premiums and great service. Needed assistance and the turn-around was great. Thanks Tressa! Would definitely recommend this company.
The Truth
Jun 11, 2018
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Scam! Horrible! This is the agency you should pick if you like your EO Business Insurance going uninsured for a whole month, without you knowing it. We scrambled to get the anoher agency to correct their issue. The staff is Rude especially MARY SMITH the so-called President. Don't use them. Our new Agency is wonderful. Your Welcome!
