Our Leadership

W. Allen Costellow | President & Co-Founder

Knowledgeable, respected and committed to making a difference in the lives of our representatives and their clients.

Allen Costellow, is the president and co-founder of Cornerstone.  Cornerstone was founded as a subsidiary of Guarantee Trust Life Insurance Company (GTL) in 1995.  The initial formation came about as a result of a long professional relationship between Co-Founders Allen and GTL CEO and President R.S. Holson III.  They shared a common dream to build an organization that could offer the best products, the best trained representatives, and a unique opportunity for growth that did not currently exist in the industry. In 1995 a strategic initiative was begun by the two and Cornerstone was founded.

Allen began his career selling “door to door” in 1979.  Since that time he has founded several marketing firms and served as Vice President of Career Sales with Universal American Corporation.  He holds a series 65, 63 and 7 registration as well as Life, Health, Long Term Care, Property and Casualty licenses in multiple states.  His passion is helping clients and representatives to “Secure their Future” both financially and personally by offering sound financial advice to clients, and providing opportunities for growth and development to those who work with him.

Allen, his wife Glenda and their family currently live in the Bowling Green KY area.  He spends his free time traveling, reading, teaching at his local church, and enjoying his family, including six grandchildren.

Caleb Costellow | Vice President

Caleb is a ten-year veteran in our industry.  He has worked as a Regional Manager for Pyramid Life Insurance Company, built a brokerage operation with an AmeriLife subsidiary, and has personally produced continuously throughout his career; in addition to managing both commissions and licensing departments.  Caleb handles many aspects of Cornerstone’s business processes including day to day operational oversight, recruiting, training, CMS compliance, and negotiating many of the leases and contracts for the company.

Caleb has been married to his wife Jennifer for over ten years, and is a father to five children ranging from 2-10 years of age.  He spends his leisure time with his family and enjoys golfing when he has the time.  Caleb literally “grew up” in the business and decided early on that this was the career path that best suited his life goals.

Patrick Poynter | National Training Director

Patrick is a recent addition to the Cornerstone family, but a seasoned and successful veteran of the industry.  Patrick was number 6 in total production for Cigna supplemental benefits his previous year before joining Cornerstone.  He has recruited many of our successful agents, and currently works as the National Training Director with responsibilities that include: sales training & certification of mid-level managers, recruiting training and accountability to managing directors and ongoing assistance to the entire company on our core products.

Patrick has been married to his wife Beth since 2012 and is a father to one child, Hadley.  He lives in the south-central region of KY, but travels extensively for the company.  He spends his leisure time playing golf, hunting, and fishing.

Dave Ermlick | Director of Investments & Financial Planning

Dave Ermlick, our director of investments and Financial Planning, brings more than 20 years’ experience in financial services to his responsibilities at Cornerstone. A specialist in retirement and estate planning, Dave focuses on helping Federal Employees understand their benefits and plan for a comfortable retirement. He’s based at the National Science Foundation in Arlington, VA. He leads workshops and seminars and does private consultations with FERS and CSRS employees.

Dave has found the best way to fully understand his Cornerstone clients’ needs: always listen to them.  He says many people don’t really know how they want to approach retirement. “I listen and suggest the right products for them,” he explains. An investment advisory representative and securities registered principal, Dave is certified by the American College as a special needs planner and by the Corporation for Long Term Care. Dave is a graduate of the College of William and Mary in Williamsburg, VA, and lives in Centreville, VA, with his wife, Annie, their two children.