Health and Life

• Life 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.
• Health Insurance
  Are you struggling with cost-prohibitive health insurance premiums? Trying to find a way to maintain a health insurance plan for yourself or your employees? An HSA may be the solution you’re looking for.
• Disability Insurance
  Heritage Insurance is an independent insurance agency, meaning that we represent many top rated insurance companies. That enables us to quote your insurance with multiple companies to ensure you’re getting a good value for your dollar while appropriately covering your unique risks. Protecting your bottom line is paramount. We write crop insurance, farm owners, commercial, home, auto, life, health and disability insurance with specialists in each of those fields. Heritage Insurance has licensed agents in nearly all of the markets where we have banks, with a team of over 15 agents group-wide today.
• Long Term Care
  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.
• Dental Insurance
  Full-Time Teller – Includes Saturday Rotation. Responsibilities include handling customer transactions such as deposits, withdrawals, transfers, balance inquiries and opening new accounts. Banking experience preferred. Generous benefits package includes paid time off and holidays; health, life, disability, vision and dental insurance; 401k with employer match after 1-year service.  Qualified candidates should E-mail resume to colleenb@bankonheritage.com. EOE

Business

• Workers Compensation 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.