Our Team

At United Leaders & Associates we recruit only the best talent in the industry. Our agents complete a comprehensive training program before they ever speak directly with a client, which ensures that they are well-informed on all products and receive the best care available.


Chad Lewis, Agency Director

In 2007, after spending several years in the mortgage industry as a top producer, it was all yanked away from me in the financial collapse.

I lost everything and was on the brink of homelessness.

This was arguably the first time that I truly faced financial adversity. I didn’t know how to pay my bills. Sometimes, this meant going without hot water or lights. I remember sneaking my trash to my neighbor’s bin because I couldn’t afford my garbage bill and believe it or not, that wasn’t even my lowest point.

After hearing from Brad Jennings about an insurance position that was open, I started working with Lincoln Heritage, but had not completely committed to the job. During this time, my ex-wife took my kids away from me and I was financially helpless. I struggled to get them back. At one point, I didn’t know if they were in the country or not. I thought that things couldn’t get any worse and then, during our custody battle, I received the news that my father had passed away.

This was a defining point in my life. I could stay at rock bottom or I could choose to go on. We all go through adversity. The difference is what I decided to do when I met my obstacles. With my mind made up, I decided to not make another excuse and went to work.

Brad had already set up a proven system to succeed in our business. Luckily, I was smart enough to become coachable and follow the proven system. To do this, I sacrificed everyday to go out and sell. There were a lot of long days and it was hard work, but I did it. Going out everyday became easier and easier when I started to see that I was truly making a difference with my clients in a very difficult point in their lives.

Within three months, I had established myself not only as a top producer, but also as a leader. I started to build my own agency, which is now United Leaders and Associates (ULA).

ULA has allowed me to rebuild my life ten times better than what it was before the financial collapse. More than that, I know that I’ll never again be where I was right after the collapse. I will never be hungry or helpless again. Thankfully, I’ve done more than just stay fed and keep the lights on. In my fifth year, I earned a ring from Justin Howard that shows I have made an excess of $250,000 in a year.

I’ve become inspired to help others feel the same power and hope in their own lives as I do today. To do this, I built ULA with a strong family culture and belief in a “team atmosphere.”

My absolute desire is for each and every member of my team to succeed. This is just one of the reasons why United Leaders and Associates has become one of the fastest growing agencies with Lincoln Heritage.

If your goals are financial freedom, becoming your own boss, helping other people, and providing a legacy for your family— then ULA might just be the last career change you ever make. Come willing to work and be coachable,

I know what it is like to hit rock bottom and afterwards to climb back up the mountain. Come join the family! I look forward to standing with you at the top.


Keith Jackowski, Area Manager

After working 10 years in the every changing mortgage industry. I decided to try my luck, in what seemed to be a parallel career, selling insurance. From my first step into the very contemporary, swanky Columbus, OH office I had a feeling I was home. I soon found that Lincoln Heritage was much more than a new “sales job” it was my new “career.” They offered clients so much more than just life insurance. They offered a structured, pre-planned final expense program (with the company “Funeral Consumer Guardian Society”) that actually helped the families, in a emotional time, deal with the loss of a loved one. Nearly all of my clients have experienced a funeral of someone who passed without having enough insurance to cover the funeral (most have no insurance at all). When it “hits home” that’s when people realize how important life insurance and having a plan, really is. What I really loved was that Lincoln Heritage Life Insurance was the only company that was willing to go the extra mile. The Lincoln Heritage Funeral Advantage Plan not only provides a policy, but helps “price shop” and “pre-plan” a funeral for the mourning family. In such an emotional time, I’ve found that most clients are simply too distraught to make a rational decision. I am no longer a “sales person” with Lincoln Heritage, I’m an educator. I sit face to face with our clients, in their home, where they’re comfortable and not intimidated by a big fancy office. It’s so gratifying when a client tells me “my family is going to be so happy that I took care of this for them. Now they won’t have to pass the hat around when its my time to leave this world.” I’ve not only found an amazingly well recognized and storied company, but I found a career and a company that I can be proud of. We help each other. We support each other and we inspire each other to be the best agents in the business. This job has provided with me with all the tools necessary to give myself and my family a better life. Last year I qualified for our annual company vacation to Scotland (I mean seriously, Scotland). They paid for both myself and my wife to stay in two different castles, dinners and scenic trips. I promise you, everything was “First class”. We were treated like royalty. This year, for the companies 50th anniversary, they’re taking over an entire resort in the Dominican Republic! I can’t say enough good things about the company and the opportunity they’ve given all of us. Thank you Mr. Londen and your wonderful family for everything you do. There’s a perfect job out there for everyone. Lincoln Heritage is mine!

Joe Runyon, Agent

My name is Joe “HILLBILLY” Runyon. I would like to take just a minute and tell my short story with Lincoln Heritage. I was a 15-year, underground coal miner when Chad Lewis told me about this amazing and rewarding opportunity. This team is as close as any real family. I have never been in sales and don’t consider myself as a salesman. I am a provider of peace of mind and I get paid to help people achieve that peace of mind for their final wishes. Thank you Chad “Papa Bear” Lewis for this experience and I am looking forward to our success together and our team at ULA. 


Tez McCree, Agent

Since given the opportunity to work with ULA and Liquid Life, things have definitely been a blessing. I’ve worked for several other companies, but none provided the atmosphere and support that ULA offers. It’s not just a job—it’s not just a career. It’s a lifestyle. Everyone works as a team, striving to achieve greatness together. Every link counts great or small. At the end of the day, we ride together we die together. All for one and one for all!!

Mindy Lacey, Agent

I spent the first 23 years of my post-college life working in the restaurant industry. As that chapter came to a close, I decided to venture into the vast world of insurance.

I took my health and life classes and a week later, I found myself taking the state licensing exam. Days after that, I found myself with the second—yes second—job I had in 23 years. I was so excited to be starting this new chapter of my life.

I equated that job to a new pair of shoes.

You know the ones, the pair that speak to you as you walk down the aisle at the store. They’re exactly what you were looking for. They’re the right color, the right size, and the price can’t be beat. The next thing you know, you’re the proud owner of a new pair of kicks.

Smiling as you tighten up the laces, you can’t wait to wear them for the first time. Problem is, you get about halfway through your day and realize they aren’t quite as comfortable as you anticipated them to be. You want to take them off, but you don’t have another pair to change into. By the time your day is over, you have blisters the size of acorns and you’re cursing those new shoes with buyer’s remorse!

That was my first experience as a new insurance agent. I toughed it out for five months. Each day, going home with the blisters of knowing it just wasn’t the right fit. I got up and did it nearly every day for those five months before I “tossed those shows out.”

The very same day I quit that “job,” I walked in and started my “career” with Lincoln Heritage! I walked into what I thought was a job interview and I walked out with a new friend, a new family, and a contract for a new career. Chad Lewis, the manager of the agency, greeted me and within five minutes, I told him these exact words: “It’s so comfortable here; I feel like I’m at home.”

That was nearly a year and a half ago and I still feel like I’m at home. I feel like each of my coworkers are a member of my family. Each member encourages one another. They coach and share experiences and knowledge to make sure everybody is successful. They are passionate in what they do. They believe in the product they are selling, knowing it will change the lives of the client’s family members. As in any family, there is friendly competition, but I have never seen people that get just as excited for others’ success as they do for their own.

This company is comprised of real people working for real people. There is literally teamwork and humbleness from the top of family-owned company, all the way down to the newest agent welcomed in on their first day.

This is not the easiest thing I have ever done. There are good days and bad, but with each day, this company offers the skills to learn and get better, while giving us unlimited opportunities to succeed. What we do with those opportunities, is up to us. As we say, “It’s all about the grind,” and the grind offers rewards beyond our wildest expectations.

This experience may not be for everybody, but I, for one, am happy about the “shoes” I’ve chosen to wear. I’m excited as to where this career can take me and it’s a great feeling to know I’m home with Lincoln Heritage.

Rob Jones “The Teacher,” Agent


I have been with Lincoln Heritage for 28 months. During that time, I like to think that I have become Keith’s right-hand man.

My background is simple: married 21 years, went through a divorce, and needed a change! My work experience had been education—education in the classroom and the hardwood. I could not find an opportunity, then landed in the insurance field with another company, and went to work!

The problem was I couldn’t make consistent money and nearly went bankrupt in six-months! I am not a quitter, but obviously that was not the right fit for me! So, I came home and applied for by substitute license and bounced around from school to school making an average of 68 dollars a day.

I was hoping to get a long-term substitute opportunity that would lead to full-time employment. Networking is so, so important. A phone call came from a friend, “Jonesy, I think I found a good fit for you”…It was the end of November 2013. That call couldn’t have come at a better time, but I had to wait until after the holidays!

Exception to the rule

Lincoln Heritage is full-time opportunity! I am thankful that I am an expectation to the rule. Mr. Chad Lewis always jokes with me in saying that he would not have hired me. Fortunately, my interview was with Mr. Keith Jackowski. Remember, I stated earlier, that I was substitute teaching in order to allow myself to stay one fingertip away from claiming bankruptcy. My agreement with Keith Jackowski “The Captain” was that he had to drive to Zanesville to train me and that financially, I still need some “guaranteed” money trickling in to me. Therefore, I would continue to substitute Monday through Thursday and “work” full-time with Lincoln Heritage on Fridays.

The most important thing that I did was following Chad’s acronym, “D.I.E.”—Do It Everyday. Everyday, I tried to put myself in a situation to serve—serve a client by educating them on a peace of mind policy for their family and serving my family by collecting deposits to help protect my family.

It took a month of this schedule until I was earning 40x the income in just my advances of what that $68 substitute pay was generating. The coolest story from 2013 was the time in October when I hit a goal and wanted to spoil my daughters. I picked them up, had two envelopes filled with $150 cash, and had a note that established one rule—whatever you don’t spend goes back in Dad’s pocket.

We went to Jeffersonville Outlet Mall and they had no problem spending it all. And I realized that I could provide for them in a way that I couldn’t dream of as a teacher in the classroom. I had found my home. The other cool thing about 2013 was this residual income concept—the once a month deposit that hit our account one of the first three business days. This deposit was built from past work and was guaranteed funds for the month.

The management team always said that residual income is where the financial freedom really is developed. And they were correct—my residual income had grown to around four thousand in just one year of work at Lincoln Heritage. The reality of that is that I had replaced my teaching salary of 21 years in just a year’s time and that was only one of four ways in which I was earning income at Lincoln Heritage after just one year’s time.

Go to work and communicate

Those are the two things that I did really well those first two years at Lincoln Heritage. I just went to work. That was the one thing that I could control—no matter what was going on within my life, if I could just go to work the numbers would work out in my favor.

Year two, finished with me trying to be the best individual producer that I could be. I guess that ending up fifth in the agency and seventh in the country within the company proves that I didn’t do a bad job of that and it is amazing to me that after almost cracking 200 thousand on that 1099 slip that comes at the end of the year, I have a realistic shot to earn the coveted 250 thousand ring at the end of this third year.

I had always taken as much money up front as possible and I actually can now look at taking less up front and more in the back and I can actually start looking at my residual income getting closer and closer to ten thousand for work that I already have done.

I can reflect on the places that this company has allowed me to travel to: the country of Panama, the city of Las Vegas, and the visit to Home Office in Phoenix, Arizona. Not to mention, three cities that I was able to visit as part of the Manager’s Retreat that I had never been to before! Plus the trip to Germany later this year—Wow! It just blows me away to think how this experience at Lincoln Heritage has changed my life in a 28-month time span.

We are family

The fact that we are building a family culture is becoming more and more evident as the days and months continue to unfold. I just looked up the definition and found, “a social unit consisting of one or more adults together with the children they care for.” I guess if you apply that to our office Chad and Keith would be considered the parents of this unit—family and the newly hired agents would be the children who need to…you get the idea!

It has been amazing for me to see the growth in these two gentlemen. Yes, I can honestly say that their relationship has grown tremendously during my 28-month experience. I have heard both of them since the day I was hired say—this is the type of culture that they have wanted to develop, they first had to figure out how they could coincide to lead one team on a common mission and the development in that area has been tremendous. It truly feels like the One Team—one mission concept is being played out.

It is amazing to see, feel, and experience the synergy that is being created. These two guys truly have created an atmosphere that is amazing to be part of and the relationships that are being built are truly family-like. We have so many positive things going on right now from the weekly agency conference calls, to the monthly sales meetings, monthly family reunions, incentive parties, Group Me conversations, and boot camps and minimum production standards. The synergy that is building is just through the roof.

I have met so many brothers and sisters from another mother, it just blows my mind away. What we are creating is so, so special. I can’t wait to see how this family unity continues to build. Keith Jackowski was spot on when he told me the first day I met him that this is an unlimited opportunity and if I went to work, communicated constantly, and trusted the system that the numbers would play out in my favor. In my 28-month experience I can’t disagree. I, as I have heard so many others mention, would have no problem signing a lifetime contract if presented with that opportunity without one hesitation.

Sebastian Alvarez, MGA

I really thought I had a good job when I was introduced to Lincoln Heritage. I always felt there was a little something missing. Besides the fact that the company I was with kept changing things on us, I was making a real impact.

Lincoln Heritage has given me an incredible platform to truly make a difference. The joy I have been looking for now happens every day. Every customer needs us to help protect their loved ones on the worst day of their lives. I have never received more hugs than I have doing this.

The family I feel with the group I work with makes me feel like my real family has doubled in size.

Stefanie Richardson, Agent

I still remember my first conversation with Chad Lewis and I can’t believe I hesitated and almost said, “No.” I almost passed up the greatest opportunity that has changed my life.

Chad found me at the lowest point in my life after losing everything, while working for another insurance company, and eventually quitting. Chad, along with my manager, Keith Jackowski, provided such an amazing support system. Because of them, I have excelled and succeeded and have been able to rebuild what I lost and then some.

Five short years later, my life has completely changed and I haven’t looked back. Everyday, I get to meet great people, help them and their families, and make great money while doing it! It’s a win-win! This is my career and I wouldn’t dream of doing anything else.

William R. Evans Sr., Agent

Recently, I celebrated my one-year anniversary here at Lincoln Heritage and United Leaders & Associates, ULA. I must say that this journey thus far has been epic!

I went from working 50 hours in a warehouse that had no room for growth, to now being able to help families with our Funeral Advantage Plan, have a very flexible schedule, and earn what I’m worth! I know that I am walking in my God-given purpose by having a career here at Lincoln Heritage/ULA.

My management team is beyond awesome! They genuinely care for me and continue to give me all the tools necessary to be successful and eventually build an agency of my own.

Follow the proven system, communicate, and keep it super simple and I guarantee you’ll be successful.

Marky Mark Johnston, Agent

Since the beginning of my career nine months ago as a Final Expense Agent with Lincoln Heritage and United Leaders Associates, ULA, I have no doubt that this will be the last place I will work before I retire to the fairways and beaches of the world. I can say, with great confidence, that I will be able to afford the lifestyle that I previously had when I was an owner of a mortgage banking company for the two decades before finding this opportunity.

The great news is that I am starting to make the six-figure income that I previously used to make with none of the financial responsibilities to others (employees, banks, vendors, regulators, and Federal Agencies). As in the mortgage industry, I still feel a great, if not greater, sense of accomplishment in helping customers meeting their desires to have a plan in place to protect themselves and their loved ones when their time comes. Unlike the mortgage industry, the actual process of helping our customers is much easier and fractionally time-consuming.

From what I can tell, our product far exceeds the offerings of other life insurance companies both in pricing as well as benefits. The added benefit of being able to offer the enrollment in the Funeral Consumer Guardian Society is a true added benefit that far exceeds anything that our competition has to offer.

The support services offered by our associates at Lincoln Heritage far exceeds those of any other organization I have been associated with. I truly feel valued working as an agent for Lincoln Heritage. I also feel that our customer service validates our products as being the best in the industry for value and commitment to exceeding our customer’s expectations.

Working on the team of ULA as part of Financial Providence Group also means that I am with the best team in the Lincoln Heritage Family. I feel very much supported not only by our Team Leaders, but also my team members. We are not only focused on helping our customers, helping each other grow and achieve our individual goals, but also team goals. This truly feels like being part of a family that loves and respects each other. Did I mention that making a lot of money is also fun?


    • Chad Lewis

      Founder and Managing General Agent, Chad Lewis, understands the importance of building a family culture. The ULA Team supports and cares about all their agents on their path of success.

      • Keith Jackowski

        Keith Jackowski, Managing General Agent, of United Leaders and Associates, shares his story on the ULA family culture that he and founder, Chad Lewis, started.

      • Rob Jones

        Rob Jones, Managing General Agent, of United Leaders and Associates explains what the secret to success in the final expense industry is and what it’s like to be a part of the ULA family.

      • Andy Caldwell

        From broken and only 18 cents to his name, Andy Caldwell tells his story of finding not just a job at United Leaders and Associates, but a family.

      • Joe Runyon

        United Leaders and Associates’ Agent, Joe Runyon, tells his story from being a coal miner to starting a career as a final expense insurance agent. Watch Joe’s amazing take on goal setting and personal development.