Meet Our Team

Justin Lowell

Justin started his career in the Insurance and Financial Services industry in 1999 and quickly became the top agent within the first year of his career. Since that time, Justin has had experience on both the independent side, as well as the direct writer side of the business. He has worked for Farm Bureau Insurance as well as American Income Life. Utilizing his extensive experience and knowledge of the insurance industry, he is better equipped to service all your insurance needs.

“My goal for my agency is to build long lasting relationships with my customers. I want to be your agent for life and for the generations to come. By having access to many insurance companies, I can shop around for the best price for you. I take pride in representing you as my customer and meetings your needs, not just looking out for the insurance companies.”

In addition to personal, farm, commercial & life insurance products, Justin’s company offers financial products & Services such as Retirement Income Strategies to individuals and small business owners.

With the type of retirement planning Justin does, he is able to show his clients how to obtain a lifetime guaranteed income stream in retirement which they can never outlive, all while their principle is protected.

Karl Chester

Partner Agent

Karl is an experienced Independent Insurance Agent with familiarity in Personal Lines, Commercial Lines, Life Insurance, and Specialty Markets.

Karl’s primary goal as an agent is to build long-lasting relationships with his clients and community members. This allows him to work with you to find the coverage that fits your needs, at a competitive rate.

Let Karl help you get the insurance coverage you need, with prices you will love. Contact him directly by phone at 269-366-4581.

Brian Costello

Brian Costello

Partner Agent

Brian has an insurance background spanning 10 years, first with State Farm, then Farm Bureau Insurance, and now as an independent agent with LIG!

While he can write for any personal lines coverages his specialty is insuring high end homes throughout the Mitten State.

In his spare time Brian enjoys golfing, a sport he has perfected over the years as Head Coach at Oakland University, Belmont University, and even as a PGA Head Golf Professional!


Anna Hooten

Office Manager

Anna began working with Justin in 2016 part time after taking a brief hiatus from a 16 year career as an Insurance CSR which started in 1998.

During this break from insurance, Anna worked (and you can still find her here occasionally) at The Sugar Ribbon in Hastings, MI where she enjoyed helping clients find their best selves and traveling to Chicago with her daughter (who also worked at the boutique, a mother-daughter team!) several times a year to find the next season’s fashions!

Anna loves gardening and cooking for her friends and family, which include her husband of 27 years, Tim, 4 children (3 boys, 1 girl), daughter-in-law, and 2 grandkiddos (1 girl, 1 boy).


Contact us today to learn more about insuring your new venture or to review your existing policy.

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LIG Insurance & Financial Group

Open Hours

  • Monday-Friday: 8:00am - 5:00pm
  • Weekends & Evenings: By Appointment

Licensed in Michigan