With 25 years of experience at Lincoln Heritage, Justin Howard serves as the CEO of the WIT Group, where he leads with a passion for training individuals to reach their goals and achieve lasting financial success. His leadership style is built on mentorship, personal growth, and creating opportunities for others to thrive.

Outside of work, Justin enjoys spending quality time with his wife, Jenny, and their two sons, Lincoln and Wyatt. Whether at home or on the road, family remains his greatest source of pride and inspiration.

With over 19 years of service at WIT Group and Lincoln Heritage, I currently serve as a Regional Manager (RGA) with WIT Group. My role focuses on recruiting, developing management talent, and growing Leaders Financial Group by building strong leaders who inspire others.

Before joining this business, I worked at Arby’s and Lowe’s after moving back to Ohio in search of a new career path. Prior to that, I owned and operated a hurricane shutter business and an alarm business in Florida. When I discovered this industry, I was immediately drawn to the residual income potential, the company’s values, and its exceptional product. I’m grateful to have found a career that allows me to change people’s financial futures while also building lasting income for my own family.

Outside of work, I’m passionate about traveling, offshore sport fishing, scuba diving, and boating—hobbies I’m fortunate to enjoy thanks to this career. I’m also a fan of exotic sports cars and racing.

Fun fact: I love trying unique foods from around the world that most people wouldn’t dare sample—and, in the right mood, I can freestyle rap.

As a leader focused on the growth and development of the Ohio Territory, I’m passionate about building strong teams and helping agents reach their full potential. With 14 years in the life insurance industry, I’m proud to have earned the distinction of becoming the youngest MGA and SGA in Lincoln Heritage history.

I was first introduced to this career by a friend who was thriving in the industry. What began as curiosity quickly turned into passion when I saw how rewarding it was to help develop other professionals, both personally and financially.

Outside of work, I enjoy cooking shish kabobs, spending time outdoors, playing soccer at least once a week, and coaching my son’s team.

Fun fact: I’m surprisingly skilled at throwing axes and knives—a unique hobby that keeps life interesting.

As a team builder at heart, my role centers on recruiting, training, and inspiring agents. I focus on creating lasting relationships, guiding agents in managing their careers, and helping them achieve both personal and professional goals. Whether working with a new recruit or a seasoned producer, I strive to keep motivation high, maintain strong connections, and ensure we’re always moving the needle forward.

I initially chose this industry out of necessity, as a single mom raising four children. It provided the income and flexibility to give them a great life and be present for all the important moments. What began as a necessity has become my passion. I love helping people—whether it’s improving the lives of my clients or transforming the futures of my agents and their families.

Outside of work, I’m an avid collector of niche perfumes and love traveling to exotic destinations with my husband. This career has given us the chance to explore the world together.

Fun fact: My husband Scott and I have six children between us, and thanks to this career, we’ve never had to miss a single important family moment.

I was born in Honduras, where my family was active in politics and agriculture, including palm oil plantations and Chiquita bananas. I attended American schools there, grew up with American friends, and enjoyed traditions like Thanksgiving and Halloween.

At 13, I moved to the U.S. to attend an all-girls boarding school in Louisiana, returning to Honduras for holidays and summers. After high school, I studied at the University of Tampa, where I met my first husband. We married in Costa Rica and celebrated with friends and family in Florida. Over the years, I’ve been blessed with three daughters and a full life between two countries.

Today, my passion is growing The Stellar Group, helping others find financial stability, and working alongside the incredible leaders and agents at WIT and Lincoln Heritage. I’m grateful for my blessings, my faith, and the opportunities each day brings.

I started my business in 2007 after leaving a failed mortgage career during the economic collapse. Tired of the corporate grind, I wanted financial security, unlimited income potential, room to grow, and a flexible schedule. That’s when I discovered final expense insurance—and I knew I’d found my once-in-a-lifetime career.

Since then, The Liebermann Group has helped people turn hard work into real success. We provide a proven system, hands-on training, strong teamwork, and direct access to top leaders who coach and mentor every new agent. Our “no one left behind” approach ensures every associate has the tools, support, and guidance they need.

We believe anyone can build the life they want—no degree or experience required. If you’re ready for a career you control, real earning potential, and the chance to create lasting success, join The Liebermann Group. Trust the system. Trust the experts. Trust The Liebermann Group.

With over a decade at Lincoln Heritage, our team transforms financial perspectives through partnership and entrepreneurship. We focus on leadership, accountability, and building strong teams in the insurance industry.

At Yanta Services, we instill the same tenacity and discipline I developed as a collegiate wrestler, helping agents unlock their potential and create meaningful change. Our mission is simple: empower others to achieve their best.

Senior General Agent at the #1 Final Expense Company in the world– Lincoln Heritage.

Proud member of the WIT Team, passionately helping clients secure the protection they need with Lincoln Heritage Life Insurance while empowering my team to reach, and exceed, their goals.

Senior General Agent with the WIT Team. Passionate about helping families secure peace of mind with Lincoln Heritage Life Insurance and fired up to lead our team to crush goals and celebrate big wins!