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Meet Our Team

Chad Lincoln


I grew up in Southside and graduated from Southside High school. I attended college at Jacksonville State where I graduated with a degree in finance. After graduating I have earned several industry designations. I began my insurance career at a very early age working in my parents agency when I was in high school. I have been in the business for 23 years now. I love working with clients to help them understand their insurance and retirement planning needs and then putting a plan in place that best fits their situation.

My two favorite things to do are spending time with my family and friends and spending time outdoors, for which if you ever cannot find me in the agency, you’ll probably find me outside hanging out with my family having some sort of adventure!

Jennifer Murphy


I grew up primarily in Georgia, but have lived in several other states as well. My insurance career started 26 years ago in Arkansas where I worked for an insurance company for 18 years since I started working with McCullars and Lincoln Agency.

I work in the insurance agency because I enjoy helping people get the coverages they need to protect themselves, their families and the things they have worked hard to obtain.

I enjoy a variety of things such as crafting, antiquing, and photography I love to spend time with family, shop and look for antiques. I love to decorate with antiques.

Keith Campbell


I started my career in the insurance industry November 11th, 1985. I have been in sales for the duration of my career. I grew up in Weaver, AL. I have my Life Underwriting Training Council designation with a Fellow attachment for property and casualty expert advisor. LUTCF. This is offered through the National Association of Insurance and financial advisors, NAIFA, for which I have been a member for 30 years.

The reason why I decided to enter the insurance world is because I enjoy protecting people from everyday risk and advising them to make good decisions to produce and protect their assets. Delivering a death claim check to the ones who have made a good decision to purchase that coverage is very rewarding!

I love my family and spending time with them! In the weekends, most of the time you’ll find me outdoors riding my Jeep Wrangler Rubicon.

I like to donate my time to the elderly and people in need and I am currently volunteering for the Shriners Hospital for Children and Cerebral Palsy of Calhoun County, AL. I have interest in the Wounded Warrior Project as well, and hope to soon be able to work with them in a volunteering campaign.

Cynthia Harris


I grew up in Calhoun County (Choccolocco Community) and from Oxford High School and Gadsden Business College. I have been in the insurance industry for 23 years specializing in Customer Service. What excites me most is to be able to help our clients with all their insurance questions or concerns and to assure them we their best interest.

I am a family person. I am blessed to have my parents, children and sibling. I enjoy spending time with them, sitting on my porch and planting flowers in my yard! I love to cook and also like sports, piano and sewing.

Keila Tzoyohua


I am new in the Insurance Industry. Since I started, I can say that I love to help clients stay protected! Making sure their needs are met and that they are satisfied with our service is what excites me about my work.

I grew up in various places of the country, but my hometown is Mission, TX. I love to cook and bake. Authentic Mexican food is my specialty!

I love to spend my weekends at church, and I am looking forward to starting volunteer activities in the community.

Mary Cunniff


I found my way to Alabama after growing up in  Massachusetts because of the rich culture and abundance of history. I have a strong background in many different aspects of insurance – from agency to carrier; claims to customer service. I really enjoy helping clients understand the process. My favorite part about what I do is the claims process; I love easing the stress of a situation and knowing I can make that happen.

In my spare time, I bike, walk, read, and especially enjoy sports – Patriots, Red Sox and Celtics particularly. I also love spending my free time with my grandchildren and watching them grow to be amazing people. I am a supporter of veterans, more specifically, our disabled and limbless veterans and am looking forward to seeing how we can help make a difference in their lives!

Denita Watts


I’m new to the insurance industry. I’m excited to become a part of the McCullars & Lincoln team and learn more about the insurance industry. The people that I work with here makes this experience very exciting.

I grew up in Ashland, AL. I enjoy the gym, shopping and spending time with my daughter!