The Howard Group


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From exotic vacations, to corporate jets, to building their home, to simply making a phenomenal living, The Howard Group (THG) has over 300 associates actively pursuing their personal dreams.

While there are a myriad of funeral (or final expense) agencies, The Howard Group is clearly different. Not only are we one of the largest and oldest agencies in the nation, but the secret of our organizational success is in the success of our individual agents; we educate and empower them with world-class training.

The Howard Group is neither a multi-level marketing organization nor is it a get-rich-quick scheme; we sell funeral insurance to families that need it the most. The secret to our associate’s wealth is a result of residual income. Year after year, they are paid on all of the contracts they have ever signed.

I know that achieving your wildest dreams is completely possible because I’ve done it!  Now, I’ve dedicated my life and career to help others become the person they have always wanted to be.

Are you interested in hearing more about The Howard Group? Are you ready to hear about our world class training and the ongoing power of residual income? Don’t spend time kicking the tires or you will lose time driving your dream. The Howard Group has been around for the last 17 years and we know that the best agents are the ones that thoughtfully consider this opportunity and, when the time is right, they give all they have to be all they can.

Feel free to contact us immediately, or simply peruse this website. Check out the stories of our agents who, may have been much like you, are now living the dream of a lifetime.



Justin Howard
The Howard Group


We know, we get it. Talk is cheap.

At the end of the day, it’s all about the money. Our agents do very well for themselves. Our agents make, on average, just over $79,000 for their first year.

Not bad, but because of the potential for residual income, that average increases to just under $150,000 the second year.

And after that? Well, it’s all over the map… it’s up to you.


The THG Group has been in business for over seventeen years and we continue to grow every day. Our focus is on the Senior Market, particularly to fulfill Final Expense needs for our clients.

Lincoln Heritage Life Insurance Company (LHLIC) is the carrier for our products. LHLIC was established in 1963 and conducts business in 49 states and the District of Columbia while maintaining an A- rating with A.M. Best. This proves that Lincoln Heritage Life Insurance Company is, indeed, the Leader in Final Expense.

You might ask, “What makes your products so great?” More than a simple whole life policy, our Final Expense product is unique – no other company has anything like it.

In addition to this exclusive product, LHLIC’s rates are very competitive. We offer the best underwriting in the industry, and all non-contestable claims are paid within 24 hours upon receipt of the death certificate. Try to find another company who pays out so quickly!

LHLIC does not run MIB’s (medical information bureau reports), which means that policies are issued quickly and easily.

Our business success rests on the shoulders of our qualified agents and representatives. We are now hiring. As an agent contracted with Lincoln Heritage Life Insurance Company, you will receive same-day advances upon submission of new business. This means that if LHLIC receives your business on Monday, your commission will be deposited in your bank account by Tuesday morning. LHLIC also offers a comprehensive health, life, and dental insurance plan to agents (and their families) who meet the production requirements. These requirements are definitely attainable, and the home office subsidizes a portion of the cost as well.