TROUT INSURANCE SERVICES
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Ladies and Gentlemen,

Having met David Trout in high school, when we both lived in Tampa Bay, I was pleased to meet with him for lunch after so many years to catch up on old times and the people we both know.  During our meeting I mentioned to him how hard it seems for a business owner with a family to cover all the bases necessary with proper insurance.  I remember telling him how I often feel like I’m in a boat with a million holes trying to plug them all with chewing gum!  

Knowing that people my age are around three times more likely to be the victim of disability or catastrophic illness than they are to die or be killed, I mentioned to him that with the responsibilities I have to the staff, family and lenders, I felt a bit vulnerable in that area.  I had lots of life insurance, but as the sole breadwinner of the family, our modest wealth and the lifestyle of our entire family could be at risk if I became disabled!  Worse yet, my condition might create a financial burden on them all.

David understood where I was coming from and suggested that he could offer me a policy that would cover 
the costs of operating the business for up to 18 months if I became disabled.  This would at least allow my 
wife time to figure out if I would be coming back to work or whether she needed to sell the business.  David 
also suggested he could offer a catastrophic illness policy that would pay if I got cancer or had a heart 
attack.  I signed up for both.

Wouldn’t you know it, about 12 months after purchasing these policies, I HAD A HEART ATTACK at just 52 
years old!  I remember spouting off instructions to my wife as they were wheeling me off to the operating 
room with tears in my eyes, not knowing if I’d die on the operating table or have the massive stroke the 
doctors warned me of as being a possibility.  “April has the trusts and the insurance policies, sell everything, 
you don’t need the stress . . . and . . . I love you.”

Well, obviously, I lived to tell about it!  But I want you to know how great it was to get the money from Mutual 
of Omaha for the catastrophic illness claim.  I wasn’t so great that I would recommend having a heart attack 
over it, but nonetheless, it was great!

I sincerely believe that those of you who own your own business, have a family and some debt take a long 
hard look at filling such voids in their insurance coverage with policies similar to the ones I purchased from 
Dave.

One last thing; I want you to know that David was in regular contact with Mutual of Omaha headquarters 
throughout the claims process.   He worked as my liaison throughout the process in order to be sure that the
claim was processed as expeditiously as possible.  He’s a fine man who knows his business and takes his 
responsibilities very seriously.

Thank You.

Richard D. Whitney
CCIM, SIOR, CPM, GC
President, Whitney Commercial Real Estate Services


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As Open Enrollment for Health Insurance via the Affordable Care Act / ObamaCare started this Saturday, I knew it was time to take the plunge and get onboard. But this was new and uncharted territory for me and frankly a confusing situation. Is it a website? Or insurance? What about the tax credits and how does the premium discount work with my income? I had a lot of questions. So I called my agent Dave Trout. Since we had worked together since 2009 I knew he could help me

Dave suggested we get together on Saturday, the first day Healthcare.gov opened up. Would it be a train wreck like last year?  Dave assured me everything was working well, and he should know. He’s appointed with all the insurance companies, certified by the Marketplace and helped over 400 people last year. 

The good news? Everything worked! I now have a plan to meet my needs at a premium to fit my budget. With Dave’s help, I now have a good understanding of how the Marketplace works and am better informed about my premium discount tax credits. It’s so refreshing to have Dave as my agent and know that he and his team will be there whenever I need them. 

If you need help with the ACA / ObamaCare, I highly recommend you give Dave a call.


I know I’m glad I did when I began my own business, 12Twelve Marketing. After being on the pay role of a major advertising agency for 18 years, which included health benefits, I was very concerned about finding health insurance that would provide me the coverage I needed and a policy I could afford. I asked around for recommendations and the same name came up repeatedly–Trout Insurance.  

Everyone I spoke with told me how great it is to work with them, so I wasted no time in setting up a meeting. I met with Jan and Dave Trout at a coffee shop. I explained nervously how I didn’t have a clue where to find good, affordable health care. They listened patiently and then explained to me how the industry works, how many options there were to choose from, and how to narrow down the best policy for me.

With their help, support and care, I was soon enrolled with a policy that fit my needs and my budget. Fast forward five years and my company, and thankfully my health, are doing fine. I’m sure this is in part to not having to stress out about my insurance needs. I am well taken care of with the team at Trout Insurance. They’re available if I ever have questions and are pro-active to any changes that might occur.

Thank goodness I found Trout Insurance as I was embarking on my new career!  Dave Trout and his team are trusted agents who look out for their customers, are professional and prompt, and are all-around good people!

Thank you Trout Insurance for all you do! 


Marilyn Ball
mb@12twelve.me
(828) 645-5596


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Lara Vernon, REV Motorcars 
 
I am a life-long car fanatic. I love the enthusiasm, joy and excitement that a great car can bring into someone's life. That's why I opened REV Motorcars earlier this year.
 
After running into some difficulties with several insurance agencies, I called Dave Trout and Butch Greene at Trout Insurance. They did a super job with my coverages providing me the protection and bond necessary to start my business. And the premium saving Butch obtained was greater than the actual cost of the new policy.
 
Need a Great Car - Call Me.  Need great Insurance - Call Trout.  
 
Lara Vernon , REV Motorcars , 1 Central Ave, Weaverville, NC 28787  - 828-202-3650 
​http://revmotorcars.com/

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Meredith Bennett, Devoted Human
Meredith Bennett is a passionate entrepreneur and visionary business owner of Devoted Human, an e-commerce company located in Asheville, NC, focused on cat and dog-related products made by artists and craftsmen. Devoted Human provides artists and craftsmen with a way to reach a wider audience while giving back to grassroots animal rescue organizations. Before officially launching her business in November 2016, Meredith sought help from the Western Women’s Business Center, a program of Carolina Small Business Development Fund, where she received technical assistance in areas of finance and human resources. As a result, Meredith was able to officially launch her business and hire four part-time contractors as part of her team.  Read more


Dave's 2019 Blue Cross Blue Shield Health Insurance
News

• Life Insurance
     Protecting your Family
​• Home & Auto Insurance
 
   More Options, More Value
• Cigna Dental Insurance
     Now $1,500 Annual Benefits

• Ameritas Dental & Vision Insurance

Insurance Marketplace:  We've got you covered!

Trout Insurance Services

Monday-Friday
9:00am-5:00pm & by Appointment


​Visit: 29 N Main St
Weaverville, NC 28787
     
Mail: PO Box 1414     
Weaverville, NC 28787  
Ph: 828.279.4681
​
Fax: 1.888.221.4842
​

contact@troutinsurance.com
Trout Insurance is an Independent Insurance Agency Based in WNC. 
Privacy Notice Statement  | Privacy Policy
“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or call 1.800.Medicare to get information on all of your options.”
Trout Insurance is an independent authorized agency licensed to sell and promote products from Blue Cross and Blue Shield of North Carolina (Blue Cross NC). The content contained in this site is maintained by Trout Insurance. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. ®, SM Registered marks of the Blue Cross and Blue Shield Association.”
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  • Insurance
    • Home & Auto Insurance
    • Medicare
    • Income Protection >
      • Disability Insurance
      • Long-Term Care
      • Critical Illness
      • Annuities
    • AARP - Hartford
    • Life Insurance
    • Health Insurance
    • Dental and Vision
    • Employee Benefits
    • Business Owners >
      • Group Health Insurance
      • Commercial Property & Liability
      • Business Overhead Expense Disability
      • Disability for Business Owners
      • Critical Illness
    • Short Term Health
  • Trout Team
    • Our Story
    • Dave Trout
    • Jessica Cody >
      • Home & Auto Insurance
    • Jeremy Sheridan
    • Robert Pugh
    • David Hanson
    • Jennifer Trout
    • Idelle Davids
    • Jan Trout
    • Steve Dillingham
  • Resources
    • Employee Success
    • Fixing the ACA "Family Glitch"
    • Aetna/CVS Health NC
    • Client Center
    • Reviews
    • Blog
    • Articles >
      • Health Insurance 2022
      • Friday Health
      • Comparing 2022 Plans
      • Insurance Partners
      • Best Value Insurance Plans
      • ARP Facts CMS
      • ARP Unemployment
      • ARP 2020 Excess Premium Subsidy
      • No Income Cap
      • Unemployment Glitch
      • Asheville Homesharing
      • 2019 Verification-a
      • BCBS Online Setup
      • APTC Income 2023 & Tax Form 1040
      • Lost Subsidy
      • Privacy Policy
  • Community
    • Alignment's 5-Star Switch
    • Employer Networking w/ Just Economics
    • FALLing with Families
    • Medicare New Era Event October 13th
    • Blue Ridge Pride Festival
    • Health & Wellness Fair
    • Goombay & YMI
    • Alignment Health Plans
    • YMI Winter Coat Drive
    • Medicare Seminar
    • Art in Autumn + MANNA
    • Music on Main
    • Western Women's Business Center Conference
    • Mural on Main Street
    • Expanded Team- Next Generation
    • Back to School
    • Weaverology
    • Mother Earth Food
  • Contact Us