Meet Our Senior Health Specialists

Doug Collins

In 2002, Doug and Melody opened Senior Health Specialists and 12 years later we are still going strong. Senior Health Specialists is proud to have client relationships in 20 states and well over 4000 policyholders.

Rob Clark

Rob Clark has been in the insurance industry since 2000. He has been a field trainer, sales agent and sales manager. He received his Certified Senior Adviser designation in May 2003. He enjoys finding suitable products and services that fit the needs and objectives of his clients.

Melody Collins

Melody Collins         Email me at

Richard Flemming

Richard Flemming was born and raised in Meridian, Miss and moved to Knoxville in 1996 where he now resides with his wife Jennifer. Richard has been in the Insurance industry since 1994.

Spencer Lyon

Spencer Lyon has had his Insurance license since 2003 and started with Senior Health Specialists in the summer of 2003.

Phil Dawson

Phil Dawson joined the agency in 2004 after many years leadership as a Regional Manager and Regional Vice President in the Insurance industry.

Fred Clinard

Fred Clinard joined Senior Health Specialists in February of 2006.

Johnny King

Johnny King was born and raised in Greeneville, Tennessee in 1946. After graduation from Greeneville High School in 1965, he joined the U.S. Navy during the Vietnam conflict.

Larry Benorden

Larry Benorden joined Senior Health Specialists in February of 2002. He entered the insurance field in 1987.

Debbie Ballard

Debbie Ballard has been with Senior Health Specialists since 2002. She received her Tennessee Life and Health license in 2000.

Judy Smith

Judy Smith has been an agent for over 9 years and is experienced in Medicare supplements, long term care and prescription drug plans.