About Us


Protecting Futures

We have years of insurance experience helping clients prepare for the unknown. Ask us about Insurance quotes:

  • Home
  • Auto
  • Business
  • Workers Comp
  • Motorcycle/ATV

We can access many different insurance products so you can get the right one for you.


Assessing Need

Many financial experts will tell you some unforeseen events and a lack of the right kind of insurance can spell trouble quickly. Call us today, and we'll analyze your insurance needs and get you covered quickly at the right price.


Building Relationships

We take pride in the  customer service we offer.  Everyone has different insurance needs. Call us today for a personalized business or individual assessment and find out how we can help protect your hard-won assets with a trusted insurance company.

Our History


Kristi J. Tully

Kristi began her insurance career in 1997.  She is the granddaughter of the founder of Lincoln Agency, James C. "Scotty" Cartwright.  She succeeded her mother JoAnn Cartwright to become the third generation to service the residents of Lincoln County and surrounding areas.  She had previously worked for the WV Public Service Commission as an auditor.   


Lisa Swanson

Lisa started working for the agency in 2007.  She brought the experience she had garnered working as a senior customer service representative for a national managed healthcare company.  She is licensed to sell all personal lines products including auto home.


Michelle Stevens

Michelle returned to the insurance business at Lincoln Agency in 2016 after a short break.  She had worked in the industry as an agent for 15 years as both an independent agent as well as a Nationwide agent.  

Contact Us

Schedule a Free Asessment


6748 STRAIGHT FORK, 25523, WV 25523, US

(304) 824-7879


Monday - Friday: 9am - 4pm

Closed: Saturday and Sunday