Hello!  I cracked this last week and wanted to share my working code with everyone.  This is for a scenario when you have multiple "contacts" or contact data on the lead object that will need to become multiple contacts.  For this one, we had 3 sections on the page where we were capturing data for brokers, Owners, ect.  This code takes each of those sections and creates a new contact for each section.  feel free to comment with any suggestions to enhance or if you have any addition questions about how it is setup.  Thanks!

Trigger
trigger UpdateContactObject_Trigger on Lead (before update) 
{/*
     * Create variables to store the lead values,
     * new and old.  This will be used below to
     * determine if the leads are being converted,
     * not converted yet, or has already been
     * converted.
     */
    List<Lead> newLeads = trigger.new;
    Map<Id, Lead> mOldLeads = trigger.oldMap;
    Lead oldLead;
    
    /*
     * Create sets of Ids to store the records
     * associated with the converted leads
     */
    Set<Id> convertedAccountIds = new Set<Id>();
    Set<Id> convertedContactIds = new Set<Id>();
    Set<Id> convertedOpportunityIds = new Set<Id>();

    /*
     * Loop through the leads submitted through this
     * trigger.  Populate the appropriate sets of Ids
     * for each lead with populated values.
     */
    for (Lead l : newLeads) {
        
        if (l.convertedAccountId != null) {
            convertedAccountIds.add(l.convertedAccountId);
        }
        
        if (l.convertedContactId != null) {
            convertedContactIds.add(l.convertedContactId);
        }
        }
        
        Account accounts =
        [SELECT Id, Name
         FROM Account
         WHERE Id IN : convertedAccountIds];
         





    for(Lead l : Trigger.New){
    If(l.IsConverted){
    
   
    Contact c1=New Contact(LastName=l.True_Owner_Last_Name__c,FirstName=l.True_Owner_First_Name__c,
    Phone=l.True_Owner_Phone__c,MailingStreet=l.True_Owner_Address__c,MailingState=l.True_Owner_State__c,MailingCity=l.True_Owner_City__c,
    MailingPostalCode=l.True_Owner_Zip__c,Email=l.True_Owner_Email__c, AccountId=accounts.id);
    insert c1;
    
    Contact c2=New Contact(LastName=l.Broker_Last_Name__c,FirstName=l.Owner_First_Name__c,
    Phone=l.Owner_Phone__c,MailingStreet=l.Owner_Address__c,MailingState=l.Owner_State__c,MailingCity=l.Owner_City__c,
    MailingPostalCode=l.Owner_Zip_Code__c,Email=l.Owner_Email__c,AccountId=accounts.id);
    insert c2;
    
    Contact c3=New Contact(LastName=l.Owner_Last_Name__c,FirstName=l.Broker_First_Name__c,
    Phone=l.Broker_Phone__c,MailingStreet=l.Broker_Address__c,MailingState=l.Broker_State__c,MailingCity=l.Broker_City__c,
    MailingPostalCode=l.Broker_Zip_Code__c,Email=l.Broker_Email__c,AccountId=accounts.id);
    insert c3;
    
    }}}

Coverage:
@isTest

public class UpdateContactObject_TriggerTestClass{
Static testmethod void UpdateContactObject_TriggerTestClass(){
//insert Lead
        Lead Lead = new Lead(
        FirstName='test ',
        LastName='Test2',
        Company='test',
        Owner__c='test',
        True_Owner__c='test3',
        Broker__c='test4'
        );
        
insert Lead;

Database.LeadConvert lc = new database.LeadConvert();
lc.setLeadId(lead.id);
lc.setDoNotCreateOpportunity(false);
lc.setConvertedStatus('Qualified');

Database.LeadConvertResult lcr = Database.convertLead(lc);
System.assert(lcr.isSuccess());
}}