Insurance Professionals

Allow us to introduce the insurance professionals in our corporate family. Founded in 1952, our insurance agency has grown from one office in Wood River back then to nine offices today. The professionals of Heritage Insurance are available to assist you with your risk management needs including farm owner, commercial, crop, homeowner, auto, life, health and disability coverages. It’s not practical to insure every risk in life. Our team can help you reflect upon your tolerance for risk, and then customize an insurance solution to meet your needs.

Why Heritage Insurance?

First, we’re an independent insurance agency with many different insurance companies at our disposal. That means we can shop around and help find you appropriate coverage at a competitive price.  Second, you’ve grown to trust and respect your Heritage Bank Relationship Manager over the years. You can expect the same level of expertise and professionalism on the insurance side as well. Third, our ability to appreciate your financial picture, from both the insurance and banking perspectives, puts us in a better position to help you identify and mitigate risk. That means added convenience and peace of mind for you knowing you have no more and no less coverage than you truly need. And lastly, because we’re a locally owned and managed business too, we face the same challenges you do every day. Adding our day-to-day experience to your decision making team will be a value-added proposition.We would appreciate the opportunity to earn your insurance business. Please give us a call for a complimentary review of your coverages and let us see if we can identify some ways you might use your dollars more efficiently and effectively.

Insurance and investment products are not obligations or, guaranteed or insured by the bank, the FDIC or any other government agency. Investments are subject to risk, including possible loss of principal.

Personal Insurance

At Heritage Insurance we want to help you protect your most valuable physical assets. We are here to help you understand insurance perils, coverages, and options.  A personal insurance agent at Heritage Insurance will help you purchase an appropriate level of insurance coverage at an affordable cost.  We will quote your insurance with multiple top-rated insurance companies to ensure you get competitive pricing.  You will have the peace of mind knowing we’re right here locally when you need us!  Contact us today so you can spend your time doing something more enjoyable than searching endlessly through online insurance offers.

Farm and Crop Insurance

Every Ag producer knows that owning your own operation involves risks. Every day, your operation faces unexpected risks. But you can protect yourself, your operation, your family, and your employees with proper insurance coverage.  We work with multiple top-rated insurance companies to cover your property, crops and livestock, and to provide liability and workers compensation protections.  The Heritage Insurance team collectively has over 300 years experience in farm and crop insurance.  Let’s sit down together and discuss how we can improve your coverage or lower your insurance costs to keep your operation successful.

Commercial Insurance

Owning a business comes with many responsibilities…to your shareholders, your employees, and your customers to name a few.  Making sure your business is protected with proper insurance coverage is an important step toward meeting those responsibilities.  As business owners too, we understand that cost controls are important to your business’s success.  That must be balanced with ensuring adequate protection for your assets and insulation from risk.

Isn’t it time for a risk management checkup with one of our commercial insurance professionals?  Heritage Insurance has many highly rated insurance companies to offer you a variety of affordable insurance options that will give you lasting peace of mind.  Give us a call today to put our knowledgeable commercial agents to work for your business.

Health Insurance

Heritage Insurance specializes in both individual/family health policies as well as employer group plans.  With the rising cost of health insurance we think outside the box to come up with creative ways to insure you and your family at a reasonable cost. We look at both partially self-funded and traditional insurance to find that perfect balance.

Disability Insurance

If you find yourself unable to work due to a sickness or injury, Short Term Disability insurance may provide cash benefits to put your mind at ease about financial stress. We know we can’t survive with out a pay check can you?  Contact us today to learn more about an affordable short-term disability insurance plan.

Life Insurance

Did you know that most people buy life insurance seven times over their lifetime?  That’s because your needs change as you move through life.  It’s important that you work with a life insurance professional to periodically review what you have for life insurance in relation to the rest of your financial picture. Early on in adulthood, you’re probably trying to create an estate to provide for a spouse and young children.  By middle age you may be looking to also cover debt obligations.  In your later years you may be looking to preserve wealth by using life insurance as an estate planning tool.  No matter the life stage you’re at, a Heritage Insurance life insurance agent stands ready to lend a hand.

LTC Insurance

When is the ideal time to purchase long-term care (LTC) insurance?  What will it actually do for you?  Those are both excellent questions, and are all the more reason to work with a long-term care insurance agent at Heritage.  Generally speaking, the earlier you purchase coverage, the less it will cost you.  The ideal time is late 40’s to early 60’s.  Many people make the mistake of waiting until a need for long-term care services arise; by then, it’s too late to obtain coverage.  Call us and we’ll help you understand your options, what a LTC policy covers, and how those coverages have evolved to keep you in your own home longer.

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Meet The Team

Anita Mitchell, CIC, LUTCF – Hastings

President & Relationship ManagerHeritage Insurance

Office: 402-461-2196

Anita has 30 years experience in commercial, farm, and personal insurance.  Most of her insurance career has been spent working with business and ag customers to identify their unique exposures and match insurance solutions to their needs.  In fact, she enjoys working with challenging situations and finding a market for just about any exposure.  Her accomplishments include earning the Certified Insurance Counselor and Life Underwriter Training Council Fellow designations.  Anita’s “can-do” approach, her ability to multi-task, and her attention to detail serve our clients and agency well.

Rick Klamm LUTCF- Hastings

EVP & Relationship ManagerHeritage Insurance

Office: 888-463-6611 or 402-461-2186

A professional insurance agent since 1990, Rick specializes in Commercial and Farm Insurance.  He is a Kearney State College graduate.  Rick enjoys learning about the client’s business and helping them find solutions through sound insurance products quoted by multiple companies to ensure competitive pricing.  His Life Insurance Training Council Fellow Designation benefits clients through advanced understanding of life insurance needs and solutions.

Sara Arnett – Wood River

CEO, Heritage InsuranceHeritage Bank Compliance & CRA Officer

Office: 308-583-2266 ext. 1102

Sara holds a BS in Business Administration from University of Nebraska-Lincoln, and has been a licensed Property & Casualty insurance agent since 2007.  In her new CEO role with Heritage Insurance, Sara aims to ensure the agency exceeds customer expectations while achieving short-and long-term strategic objectives.  She stated “Our agency began in 1952, but the best is yet to come with the team we’re assembling!”  Sara also manages regulatory compliance for Heritage Bank and enjoys working with customers and community projects.

Kristie Winkler – Hastings
Relationship Manager – Health Insurance

kwinkler@bankonheritage.comOffice: 402-461-2198

Meet our Health Insurance Specialist who can assist you with individual or group health, Med Supp, Part D, accident/disability protections and life insurance.  Kristie’s health insurance career began in 1997.  Since then she has developed expertise from both the policy sales and servicing side as well as from the claims perspective.  We’re confident you’ll enjoy her friendly style and attention to detail to ensure you have the protections you need.

Nancy Parks – Neligh
Agent, Customer Service Representative

nparks@bankonheritage.comOffice: 844-887-4140 or 402-887-4140

Nancy has 17 years experience as a licensed Property & Casualty Insurance agent and has been with Heritage Insurance since 2006. She prides herself in providing prompt and professional service to all our insurance customers. Nancy has served as the agency’s Claims Manager for all Heritage insurance locations since 2014.

Jessi Johnson – Hastings
Agent, Customer Service Representative

jessij@bankonheritage.comOffice: 888-463-6611

We’re proud to introduce Jessi Johnson who joined the Heritage Insurance team as a Customer Service Representative in 2019.  He earned his P&C license in 2020.  Contact Jessi for your personal insurance servicing needs.  You’ll enjoy his polite style and his diligent follow through to ensure your needs are met.

Jim Rennau – Wood River
Relationship Manager, Senior Lender, Branch President

rennauj@bankonheritage.comOffice: 308-583-2266 ext. 1101

Jim has 38 years experience in banking, insurance and real estate. He has a B.S. in Ag Economics from University of Nebraska-Lincoln, and completed the Graduate School of Banking in Boulder, CO. Jim also holds State of Nebraska Real Estate Brokers License, along with Property/Casualty, Life and Crop Insurance Licenses. He is committed to helping customers reach their goals, through analysis of business opportunities and risk management.

Adam Vetter

Adam Vetter- Red Cloud
Relationship Manager, Director of Sales

Office: 402-746-2251

Adam holds a BS in Agribusiness Banking and Finance from the University of Nebraska-Lincoln.  He joined Heritage Bank in 2015, and earned his Property & Casualty Insurance license in 2017.  Adam specializes in Agricultural, Commercial, and Consumer Lending for Heritage Bank in the Red Cloud area.  In addition, he now serves as the company’s Director of Sales.

Jacob Arendt – Aurora
Relationship Manager, Recruiting Coordinator

jarendt@bankonheritage.comOffice: 402-694-3136 ext. 1022

Jacob has five years of experience in banking and insurance. He holds a BS-Finance from University of Nebraska-Kearney and is licensed in Property/Casualty and Crop insurance. Jacob enjoys the opportunity to establish and build relationships with Ag and Business customers, while providing advice and financial expertise. Jacob also serves as the company’s lead talent recruiter as we grow our team of professionals.

Karen Joseph – Aurora
Relationship Manager

Office: 402-694-3136 ext. 1021

Karen’s 37 years of banking experience and 15 years of crop insurance make her a natural “go-to” expert for customers and co-workers alike.  She serves as one of the bank’s Mortgage Specialists, and holds an Associates Degree in Paralegal services.  Karen takes pride in providing friendly customer service in all areas of the bank and insurance.

Curt Mickey – Grand Island
Relationship Manager, Senior Lender

Office: 308-398-4040 ext 1057

Curt joined Heritage Bank in 1991, and provides loan and financial services to agricultural and small business customers.  He graduated from the University of Nebraska – Lincoln with a B.S. degree in Agricultural Economics, as well as the Graduate School of Banking in Colorado.  In addition to his banking duties, Curt is a licensed crop insurance agent and licensed Nebraska Real Estate Broker.

Rod Peters – Kearney
Relationship Manager, Branch President

petersrod@bankonheritage.comOffice: 308-698-5004 ext. 105

Rod’s 22 years of experience in Production Agriculture, and 10 years experience in Automated Manufacturing make him uniquely qualified to understand his Ag and Business clients’ needs.  Rod studied business at the University of Nebraska – Kearney.  He joined Heritage Bank in 1998 and earned his crop insurance license then as well.  In addition to his banking and insurance duties, Rod is a licensed Real Estate Agent.  He specializes in developing new partnerships and expanding relationships with existing customers.

Maureen Rennau – Wood River
Customer Service Representative

mrennau@bankonheritage.comOffice: 308-583-2266 ext. 1103

Maureen earned a Bachelor of Science degree from University of NE at Kearney. She has been assisting insurance clients from the Wood River office since 2008, as well as serving as the agency’s crop insurance CSR specialist.

Barb McFadden
Agent, Customer Service Representative

Cell: 308-379-2162

Barb McFadden is a career insurance agent with 47 years experience as a producer, customer service rep and agency manager.  She is working with our valued clients to ensure your expectations are exceeded and you’ve been offered all the appropriate coverages.  Barb will also be providing training to our newer staff members to ensure they’re positioned to provide great service for years to come.

Cam Moyer
Executive Vice President & Relationship Manager

cam@bankonheritage.comOffice: 402-461-2182

Cam grew up in Aurora, Nebraska. He enjoys finding ways to help farmers and businesses become more competitive by reducing costs and diversifying revenue.  He works hard to ensure that people and capital remain in out-state Nebraska to keep our rural communities strong. He holds a BS in Accounting and Finance from the University of Nebraska-Lincoln and his Juris Doctorate from the University of Nebraska College of Law.  Cam earned his Crop Insurance license in 2020 as well.

Nic Dowling
Relationship Manager

Office: 402-461-2182

A central Nebraska native, Nic’s commitment and friendly demeanor translate into great service to his banking clients.  Nic holds a BS in Business/Accounting from the University of Nebraska-Kearney.  He joined the Heritage team in 2019 and has completed the bank’s extensive lending training program.  Nic has a proven track record of hard work throughout his career and appreciates the value of every dollar to his customers.  He looks forward to furthering his relationships with ag producers, business owners and his neighbors in the Hastings area.  Nic expanded his farm expertise in 2020 by earning his Crop Insurance license.

Clayton Suckstorf

Loup City Office: 308-745-1500

St. Paul Office: 308-754-5400

Clayton is a Burwell native where his summers were spent haying, fixing fence, branding calves, and working cattle.  He is a graduate of the University of Nebraska-Lincoln where he earned a BS in Agribusiness Banking and Finance while also completing an internship in banking.  Clayton looks forward to getting to know folks in both the Loup City and St. Paul markets, and becoming involved in both communities.  He started work with Heritage in 2019 and will be relocating to the Sherman-Howard County area. His hands-on work history combined with the extensive lending training at Heritage Bank make him a great asset to his clients.  Clayton’s ag expertise was expanded in 2020 when he earned his Crop Insurance license to complement the services he brings to the Howard and Sherman County markets.

Sheila Valentine – Hastings
Customer Service Representative

svalentine@bankonheritage.comOffice: 888-463-6611 or 402-461-2199

Heritage Insurance CSR since 2016, with an emphasis on health insurance client service and health agent support. Sheila came to us with 20+ years of banking experience.