David Howes

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David Howes

President

David is the co-founder of Explain My Benefits (EMB). As an active partner in the business, he is deeply committed to achieving Workplace Benefit Excellence for all brokers that partner with EMB. Founded in late 2007, EMB has grown significantly over the years, and David continues to be inspired by the exceptional people who make up the EMB team.

David earned his Bachelor of Science from Miami of Ohio University in 1992. He proudly served as Captain in the Air National Guard from 1994 – 2004, flying C-130 aircraft and completing two tours of duty in Afghanistan and Iraq. During this time, he also worked as a commercial airline pilot for US Airways Express and Delta Airlines from 1999 – 2001.

David’s insurance career began abruptly following the tragedy of 9/11, when he was furloughed by Delta Airlines in November 2001. He entered the industry as a Benefits Enroller and, between military deployments, continued to enroll and build strong relationships across the benefits landscape. In 2004, he retired from the Air National Guard and became a full-time Allstate Benefits Specialist, supporting insurance brokers throughout Central Florida prior to founding EMB.

Originally from Ohio, David now resides in Oviedo, FL with his wife and daughter. He most enjoys vacationing and spending quality time with his family. David’s hobbies are saltwater and freshwater fishing — tarpon fishing being his favorite. He’s also a passionate sports fan and can always be found cheering on THE Ohio State Football Team and The Cleveland Browns.