David Howes, Co-Founder

David received his Bachelor of Science from Miami of Ohio University in 1992. From 1994 – 2004 he served as Captain in the Air National Guard flying C130 aircraft. During that period he served two tours of duty in Afghanistan and Iraq. David also worked as a commercial pilot for US Airways Express and Delta Airlines from 1999 – 2001.

His insurance career started abruptly after the tragedy of 9/11. He was furloughed from Delta Airlines in November of 2001. He started as a Benefits Enroller in December 2001. In between deployments with the Air National Guard he continued to enroll and develop relationships with others in the industry. In 2004 he retired from the Air National Guard and became a fulltime Allstate Benefits Specialist serving insurance Brokers in Central Florida.

In late 2007 he co-founded Explain My Benefits, Inc. As the active partner in Explain My Benefits, Inc. he plans on achieving Workplace Benefit Excellence for all Brokers that partner with them.

Rich Howes, Co-Founder

Rich graduated from the University of Dayton in 1995 with a Bachelor of Arts degree in Education. During his time at the University he played football for the Dayton Flyers and served in numerous leadership roles with Phi Sigma Kappa fraternity.

He began his insurance career in 1997 in Columbus, Ohio. There he worked for Colonial Life and Accident Insurance Company as a Worksite Benefits Counselor. In 1999 he worked as an Employee Benefits Specialist at the Cheney Group in Dublin, Ohio.

In 2000 he accepted the position of Regional Sales Manager for Allstate Workplace Division in West Palm Beach, Florida. Two years later he was promoted to Regional Sales Director. In 2004 he was promoted to Regional Director of the Central Florida Region and moved to Lakeland, Florida. At the age of 30 he was successfully overseeing the marketing operations of the Orlando, Naples, Fort Myers, Sarasota, and Tampa Bay areas for Allstate Workplace Division.

In late 2007 Rich left Allstate Workplace Division and co-founded Explain My Benefits, Inc. As a limited partner with his brother David, they plan on achieving Workplace Benefit Excellence.

Benefit CounselorsThe Benefit Counselor Team is a group of licensed, salaried, insurance professionals. At Explain My Benefits we are extremely particular as to whom we bring on our team. The majority of our Benefit Counselors contracted today are friendly referrals. Therefore, they have been personally recommended by reliable sources. A strong point is that the Benefit Counselors are a consistent team used on a regular basis and our Broker Partners and Employer Groups are able to develop long-lasting relationships with them. Throughout the year there are trainings, both case specific and industry specific, ensuring accurate and up-to-date benefit information is relayed.

Although most of our Benefit Counselors are contracted based on referrals, we continue to accept resumes. Please register on the website and we will follow-up with a phone call and resume request.