Meet Our Team

Justin Lowell

FOUNDER & PRINCIPAL AGENT

Justin has worked in insurance and financial services since 1999, with experience in both independent agencies and direct-writer insurance. He helps Michigan individuals, families, farms, and small businesses explore coverage options across personal, commercial, life, and financial services. Justin’s approach is straightforward: build lasting client relationships and help people find coverage that fits their needs and budget.

Karl Chester

Licensed Insurance Agent

Karl is an independent insurance agent with experience in personal, commercial, life, and specialty insurance. He works with clients to understand their needs and identify coverage options that offer meaningful protection and value. Karl is committed to long-term relationships with the clients and communities he serves.

Brian Costello

Brian Costello

Licensed Insurance Agent

Brian brings more than a decade of insurance experience, including work with State Farm, Farm Bureau Insurance, and independent insurance clients. He assists with a range of personal insurance needs, with particular experience serving higher-value homes across Michigan. Brian focuses on helping clients understand their options and feel confident in their coverage.

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Aphrodice Nshimiyimana

Licensed Insurance Agent

Aphrodice brings insurance experience from Rwanda, where he worked as an agent before relocating to the United States. He is licensed in in Michigan for Life, Property, and Casualty insurance and helps clients explore auto, home, life, and financial service options. Aphrodice also holds a degree in Electronics and is committed to providing clear, attentive service to the clients he serves.

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Anna Hooten

Office Manager

Anna has worked in insurance customer service since 1998 and joined LIG Insurance & Financial in 2016. As Office Manager, she helps keep the office responsive, organized, and focused on a positive client experience. Anna’s longstanding insurance-service background makes her a knowledgeable and welcoming point of contact for LIG clients.