Meet Our Team


Howard Eaton, CEO & Co-Founder

Chief Executive Officer and founding partner of Benefits Plus Advisors Group. Howard is from Helena, AR, and moved to Iowa in 1991 to attend Iowa State University on an athletic scholarship. Attending Iowa State University, Howard received his B.A. in Business Management and was a 2-year letterman in basketball, team captain and helped lead his team to 2 consecutive NCAA appearances. He graduated in 1994 and began a successful 14 - year career in customer service and sales leadership, managing call centers for 3 different Fortune 500 companies. He later received his EMBA from the University of Memphis in Executive Leadership. Howard married his wife, Tracy, in 2014. The have three children, Aiden, Harrison and Maya. Howard serves on the boards of the Greater Des Moines Partnership and Parenteen (a non-profit).

Howard began his insurance career in voluntary benefits in 2011 with Aflac, having great success as a producer which quickly lead to leadership roles. Over the past 9 years, Howard has had the privilege of leading teams that delivered customized voluntary benefit solutions to over 15,000 companies and sold over $38 million in voluntary benefits.  With Aflac, he has received several nationally recognized company awards including President’s Club. He attributes his success to a deep desire and passion for helping his agency partners achieve their personal and professional goals through delivering exceptional solutions and service to their clients.

With changes in the voluntary benefits market due to health care reform, Howard realized that he needed to diversity his solutions portfolio with additional carrier options to meet the everchanging needs of his clients and broker partners. Howard and his business partner, Josh Terrell, launched Benefits Plus Advisory Group in Des Moines, IA and are committed to delivering the customized benefit and other solutions to their clients that help increase profits and help them stay competitive in the everchanging benefit landscape.


Josh Terrell, COO & Co-Founder

Being a coach at heart, Josh finds his passion and purpose in helping agency teammates and business partners reach their personal and professional goals. Josh began his career in the industry in 2012 with Aflac, and has had the privilege in serving, assisting, and partnering with hundreds of clients (in all industries) over his tenure. With Aflac, Josh has received multiple Nationally recognized company awards for operating with his team at a high level. Taking a true consultative approach, Josh seeks to create customized solutions for his clients. As an entrepreneur, Josh remains a student of business development, and takes pride in supporting local company growth.

Attending the University of Dubuque, Josh received a B.A. in Health, as well as an MBA. Before graduating, he also earned wrestling honors, being a 4X All-American and National Champion for the Spartans.


Outside of work he enjoys quality time with his wife, Tina, and their 1-year old daughter, Jenesis. Together they enjoy community involvement, such as: Serving on a non-profit board (ParenTeen), music and children's ministry in their local church, various community service projects. They also like traveling together, hosting friends and family, and outnumbering dad’s household vote.