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.

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Meet The Team

Sara Arnett – Wood River
CEO, Heritage Insurance Heritage Bank Compliance & CRA Officer

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.

308-583-2266 – ext. 1102

Rick Klamm, LUTCF - Hastings
EVP & Relationship Manager Heritage Insurance

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.


Shanna Larsen
Account Manager

Shanna joined the Heritage team in 2022 and has been a great addition! Shanna specialized in working with commercial and farm clients to ensure they have all the appropriate coverages. Shanna began her insurance career in 2016 and puts her experience to use for our valued clients every day. She welcomes the opportunity to work with new customers as well to find ways to improve coverages and save them money!


Kristie Winkler – Hastings
Relationship Manager – Health Insurance

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

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

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.


Wendy Erickson – Hastings
Agent, Customer Service Representative

Wendy Erickson joined Heritage Bank in 2021, and accepted a promotion to Heritage Insurance CSR October 2022.  She has already earned her Property & Casualty insurance license from the State of NE.  Wendy excels at delivering top-notch service in a timely fashion and looks forward to working with both consumer, farm and commercial insurance clients.


Jacob Arendt – Aurora
Bank President, Relationship Manager, Recruiting Coordinator

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.

402-694-3136 – Ext. 1022

Adam Vetter

Adam Vetter - Red Cloud
Relationship Manager, Director of Sales

 Adam holds a BS in Agribusiness Banking & Finance from the University of Nebraska-Lincoln. He joined Heritage Bank in 2015. Adam earned his Property & Casualty Insurance license in 2017 and Crop/Hail Insurance license in 2018. Adam specializes in Agricultural, Commercial, and Consumer Lending for Heritage Bank in the Red Cloud and Orleans area. In addition, he serves as the Director of Sales for the company. Adam is most passionate about helping local agricultural and commercial business owners start and/or grow their operations into sustainable, multi-generational family businesses.


Nic Dowling - Hastings
Relationship Manager

A central Nebraska native, Nic’s commitment and demeanor translates into great service to both his agricultural and commercial banking clients. He appreciates the value of every dollar to his customers and strives to provide a service that helps put dollars back in their pockets year after year. Nic has a passion for his work with his customers and spends time understanding how we can best help those folks grow and create wealth that will last for generations to come. He holds a BS in Business/Accounting from the University of Nebraska-Kearney. Nic joined the Heritage team in 2019 and expanded his farm expertise in 2020 by earning his Crop Insurance license. He looks forward to furthering his relationships with ag producers, business owners and his neighbors in the Hastings area.


Clayton Suckstorf - Loup City
Relationship Manager

 Clayton is a Burwell native and manages the Loup City, St. Paul, and Broken Bow Branches.  He is a graduate of the University of Nebraska-Lincoln where he earned a BS in Agribusiness Banking and Finance.  He started working with Heritage in 2019.  Clayton specializes in Agriculture, Commercial, and Consumer Lending for Heritage Bank in the Howard, Sherman, and Custer County areas.  His Agriculture background and extensive lending training experience 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 and knowledge he brings to the table.

Loup City 308-745-1500

St. Paul 308-754-5400

Austin Geis
Relationship Manager

Austin was raised on a farm in Elm Creek NE and graduated from the University of Nebraska at Kearney with a degree in Agribusiness. Following a couple years of interning with Heritage during college, he joined the Heritage team full time in May 2022 as a Relationship Manager. Austin is excited to work in the Wood River market and get to know area ag producers, businesses and residents, as well as get involved in community development projects. Austin works hard to understand every borrower’s objectives and challenges then identify solutions that will be best for the customer long-term. His ag experience, approachability and commitment to the community will be very beneficial. Austin also earned his Crop Insurance license in 2022 to add value to our ag relationships as well.

308-583-2266 Ext. 1103

Barb McFadden - Hastings
Agent, Customer Service Representative

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.


Hylie Reineke - Hastings
Agent, Customer Service Representative

Meet Hylie Reineke, a Wood River area native who earned a degree in Bachelor’s degree in Animal Sciences from Fort Hays State University.  She started in the insurance industry in 2022, then joined the Heritage team in 2023 as a CSR.  Hylie holds Property/Casualty, Crop and Health Insurance licenses.  Our many health insurance clients will appreciate her pleasant approach and can-do attitude!


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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