About Us

About Us

Howe Insurance Services is a National Insurance Agency that helps people between the ages of 40 – 85 get the Best Value for their money when it comes to buying Easy Issue Life Insurance.
We were established in 1981, we’re Veteran Owned, we’re Rated A+ by the Better Business Bureau, and we’ve issued and paid for more than One Billion Dollars worth of Life Insurance.
We Represent

More Than 100 Different Programs, including policies written by:

5 Star Life, Aetna, American Amicable, American General, American Home Life, American National, Americo, Assurant, American Memorial, Assurity, Baltimore Life, Cincinnati Life, Columbian Life, ELCO, Family Benefit Life, Foresters, Gerber Life, Great Western, Kemper, Liberty Bankers Life, Nassau, Occidental, Oxford Life, Prosperity, Royal Neighbors, SBLI USA, Security National Life, Sentinel Security, Standard Life, Transamerica, Trinity, United American, United Home Life, and United of Omaha.

Meet Our Customer Service Team

Don Howe
Don Howe served in the United States Air Force from 1972 to 1976…
Don Howe served in the United States Air Force from 1972 to 1976. After receiving an Honorable Discharge, he attended college, got married, and in 1981, he established Howe Insurance Services. He and his wife have had 10 children and they currently have 17 grandchildren. He enjoys playing basketball and tries to play twice a week.
Helena Davis
Helena Davis has spent her entire life in the insurance industry…
Helena Davis has spent her entire life in the insurance industry and loves serving clients of all ages, especially seniors. In 2018 she met and married the man of her dreams and together they live in Southern Ohio with their three dogs. One of her favorite things to do is to travel internationally and visit new places and experience other cultures. She is both a certified business coach and a state licensed insurance agent.
Emma Ruth Berninger
Emma Ruth Berninger and her husband Scott have been married since 2002…
Emma Ruth Berninger and her husband Scott have been married since 2002, and have 5 children. In addition to being a dedicated homemaker, she enjoys helping people and blessing others.
Josh Davis

Josh Davis married the love of his life on October 5, 2018, which has added…

Josh Davis married the love of his life on October 5, 2018, which has added to his family of 5 (Dad, Mom, Brother, and Sister). He enjoys learning and growing his leadership skills, playing piano and guitar, and spending time with his friends.