Dare To Dream

7 8 9 10 11 5 4 6ABOVE: The Data Science and Analytics Lab researches innovative 13 2ideas to improve American Family products and services. Pictured:1. Muktesh Masih; 2. Marty Buchheim; 3. Johanna Olson; 4. DerrickHiggins; 5. Brian Graham; 6. Michael Small; 7. Edwin Rogers; 8. TonyArkwoski; 9. Adam Brace; 10. Luke Forehan; 11. Tobin Jansenberger.Missing from picture: Jeanne Chartrand and Shawn Doberstein.could provide a deeper understanding of homes and homeowner as an enterprise that protects people — helping them get back onbehaviors, vehicles and drivers, resulting in more sophisticated their feet after a devastating loss as well as providing productsunderwriting and pricing. and services that let them live in safer environments with proac- tive technology designed to prevent losses from happening in the In the future, data mining into consumer attitudes and first place. American Family was evolving to help its customersexpectations will help marketing develop even more creative pursue their dreams with peace of mind.tactics. Gunder was convinced sophisticated data mining andresearch were essential to successfully compete in a world domi- And with that transformation, company leaders believednated by mega-companies like Google, Apple, Amazon and American Family, and its agents and employees, would come toFacebook with their “profound digital capabilities.” be viewed differently by customers. Instead of simply being the person who sold them an insurance policy, agents or employeesREINVENTING INSURANCE would become “protection advisors” who helped keep a policy- holder’s home and family safer from harm.At its heart, the venture capital, innovation and data teams weresimply a critical, visible extension of American Family’s ongo- By reinventing American Family as a protector, rather thaning transformation. simply an insurance company, “We will earn the trust and loyalty of our policyholders,” said Salzwedel. Salzwedel, Holman and Gunder envisioned American Family A different dream — and a different path — for a great enterprise to grow and thrive in a new world. Dare to Dream | 395

INTERVIEW PARTICIPANTSCharlie Ambrosavage Dan Kelly John ReedBob Amundson Rakesh Khurana Jerry RekowskiDave Anderson Paul King Darrell RileyRalph Arnold Tom King Tom RiversArt Babler Kristin Kirkconnell Robbie RobinsonLeona Babler Ed Kissinger Bonnie RostadPhyllis Benitz Bill Kleinheinz Vonnie RyanGerry Benusa Jim Klokner Bob SalisburyDon Breitenbach Marv Klitzke Jack SalzwedelMarty Brewer Annette Knapstein Sterling SchallertBuzz Buchanan Bob Koch John ScharerJim Caskey Rev. James Kramer Dan SchultzJoe Chvala Richard Kuntz Bob ScottJerry Cutsforth Ruth Kutz Elliott ShulerJim Dallman Bill Lundy Bill SimonDan DeSalvo Don Mahoney Richard SmithNorb Dettman Dale Mathwich JoAnn SprecherRose Detmer Irv Maurer Barbara Gail StichaBob DeVoe Dean McCarthy Gary SwitzkyJim Eldridge Al Meyer Margie ThalackerSilver Everhart Paul Miller John ThedingaBrad Gleason John “Pete” Miller Gwen Thompson JonesBill Greiter Jim Mintz Steve TingleyAl Gruenisen Darnell Moore Joe TisserandPeter Gunder Paul Moosmann Rita UnderhillDick Haas Clayton Nelson Norb Vanden HeuvelDick Harmeling Joe Nicolay Arlette Vander MolenDave Holman Milton Olson Chuck WebsterWally Huebsch Sarah Pettit Bill WestrateAl Hunter Jim Pfefferle Gene WilpoltBrent Johnson Greg Pfluger Telisa YancyNancy Johnson Cary Pierce Paul YoungJeff Johnston Harvey Pierce Tom ZimbrickMarv Kammer Kazell Pugh Joe Zwettler The individuals listed were interviewed for either or both Dare to Dream and Under One Roof, the 1997 history of American Family. Dare to Dream incorporates information and much of the narrative from Under One Roof.I | Appendix

INFORMATION PROVIDERSTraci Beyer LeeAnn Glover Greg PolsterAaron Bindl David Graham Barbara RashkeTheresa Breunig-Silbernagel Kelly Lien Dan ReedSteve Clemens James Madden Ryan RistDuane DeBower Marc Miele Dan RosettaTodd Fancher Tom Mooney Jim St. VincentFrank Feivor Deanna Mueller David ScherGrace Fernando Ken Muth Todd StraubSam Geraci Greg Pfluger Amy WraggeCarolyn Gilb Tom PietrasOTHER CONTRIBUTORSIrene Babler, Lecanto, Florida, for information on Neil Shively, Page One Communications, for helpWittwer family genealogy with Madison history details in the 1920s and 1930sLori Belognia, Marshfield Pubic Library, for help Dick Sorenson, conservator of instruments,on Marshfield history and Richard Kalbskopf Schubert Club, St. Paul, Minnesota, for loan of a vintage clarinetFrank Custer, retired reporter for The Capital Times,for information about Joseph Boyd Jim Sticha, for his family recollections of Herman WittwerShawn Harper, Madison commercial photographer Phil Supple, State Farm Insurance communica-Jim Jordan, University of Wisconsin School of Mu- tions, for his assistance with historical details of thatsic, for help depicting Herman Wittwer’s musical companyinvolvement as a UW student David Wells, Madison Symphony Orchestra, for anJeff Kleiman, assistant history professor, early photo of the orchestraUW-Marshfield, whose history of Marshfield pro-vided understanding of the town’s early yearsDolly Kobs, North Wood County Historical Society,Marshfield, for help searching the Marshfield DailyNews and the Marshfield Herald Dare to Dream | II

EARLY HISTORY SOURCESThe Adequacy of State Insurance Rate Regulation: The Monroe Public Library, for informationMcCarran-Ferguson Act in Historical Perspective, by about Green County and for its collection ofSpencer Kimball and Ronald Boyce, which appeared the Monroe Evening Timesin volume 56 of the Michigan Law Review in 1958 Monticello Past and Present, produced by theAmerica on Wheels, by Frank Coffey and Monticello Historical CommitteeJoseph Layden Nelsen v. Farmers Mutual Automobile InsuranceAmerican Epoch: A History of the United States Company (Wisconsin Supreme Court) 4 Wis. 2ndSince 1900 (Volume II), by Arthur S. Link and 36 (1958)William Catton Only Yesterday and Since Yesterday,The Automobile in America, by Stephen W. Sears by Frederick Lewis AllenAutomobiles of America, by the Automobile State of Wisconsin Blue Book, compiled byManufacturers Association, Inc. the Wisconsin Legislative Reference BureauFifty Years of Independents: The Story of an American Treasury of Early American Automobiles,Insurance Revolution, by Charles J. Lorenz at the by Floyd ClymerNational Association of Independent Insurers Wisconsin State Historical Society for its photoHistory of Wood County, Wisconsin, compiled archives and excellent serviceby George O. Jones and Norman S. McVean Minnesota Historical Society for its photo archivesInsurance and Public Policy, by Spencer Kimball University of Wisconsin-Madison archives forJames J. Hill Reference Library, St. Paul, Minnesota, The Badger 1911 and The Badger 1912 yearbooksfor its collection of the National Underwriter Zwingli United Church of Christ,Let the Trumpet Resound, by Lawrence G. Brandon Monticello, Wisconsin, for early church records of the Wittwer familyMadison Public Library, for its collection of theCapital Times and Wisconsin State JournalMonroe High School, Monroe, Wisconsin, forhigh school records of Herman WittwerIII | Appendix

HISTORICAL RESULTSAMERICAN FAMILY INSURANCE GROUP — A RECORD OF GROWTH*YEAR ASSETS GAAP EQUITY REVENUE1927 $ 6,959 $ 2,240 $ 7,548 AMERICAN FAMILY LIFE1932 $ 280,238 $ 76,059 $ 209,337 INSURANCE COMPANY1937 $ 835,019 $ 208,192 $ 1,014,6071942 $ 1,948,150 $ 752,597 $ 1,806,500 YEAR LIFE INS. IN FORCE1947 $ 6,972,799 $ 1,394,006 $ 7,539,5371952 $ 21,374,050 $ 7,635,256 $ 14,574,088 1958* $11.0 million1957 $ 34,210,503 $ 12,055,897 $ 22,401,326 1962 $120.6 million1962** $ 53,751,997 $ 20,686,542 $ 38,161,871 1967 $362.8 million1967 $ 109,205,292 $ 34,673,620 $ 72,322,454 19721972 $ 264,857,183 $ 76,665,351 $ 180,943,353 1977 $1.1 billion1977 $ 596,103,607 $ 135,956,205 $ 447,901,259 1982 $2.9 billion1982 $ 1,213,556,603 $ 307,209,374 $ 824,890,816 1987 $6.3 billion1987 $ 2,560,148,000 $ 641,284,000 $1,656,144,000 1992 $13.0 billion1992 $ 4,698,162,000 $1,128,745,000 $2,676,950,000 1997 $22.8 billion1997 $ 8,348,284,000 $3,022,963,000 $3,601,608,000 2002 $39.7 billion2002 $10,840,241,000 $3,139,923,000 $5,307,134,000 2007 $61.3 billion2007 $16,003,955,000 $5,034,285,000 $6,867,863,000 2012 $81.2 billion2012 $17,937,257,000 $6,136,826,000 $6,238,062,000 2017 (Q1) $88.3 billion2017 (Q1) $23,072,694,000 $7,932,531,000 $2,233,752,000 $95.8 billion*Statutory accounting basis through 1992; GAAP accounting basis thereafter. Slight differ- *Six months in operation.ences may exist between the audited financial statements and the highlights reports due todifferent account groupings.**1962 figures include assets, surplus and revenue for Farmers Mutual Automobile Insurance Company, American Family Life Insurance Company and American Standard Insurance Company with no eliminations for duplication. All figures after that are from the American Family Insurance Group consolidated audited statements. Dare to Dream | IV

INDEX 287, 296, 299-300, Bornick, John   146, 171-172 307-309, 319-321, 342, Boschulte, R.D.   258, 275A 348-349, 363 Bosco, Jeff   283 Anderson, Don   112 Bourne, Arthur   57Aberg, William J.P.   17-18, 20- Anderson, Mary   225, 257 Boyd, Joseph   26, 36-37 21, 31-33, 43-44, 55, 78, Andrew, Bob   346, 361, 390 Boyle, Eric   280 85, 94-95, 121 Anfenson, Tom   266 Brace, Adam   395 Anthon, Janet   393 Breitenbach, Don   16, 18, 83,Adler, Dick   127, 146 Antony, Gregg   209Advance  169, 213, 306-309, Apple  47, 218, 382, 387, 395 110, 122, 167-169, 171 Arkwoski, Tony   395 Brennan, Patrick   207 311, 315, 320-322, 330- Arnold, Ralph   137 Breunig-Silbernagel, There- 331, 345-347, 356-357, Ashbrook, Lisa   296 360-361, 371, 374-375, Ashwill, Lucy   81 sa  221, 223-224, 266 377, 390-391 AssureStart  351 Brewer, Harriett   208Afable, Mark   201-202, 265- autonomous vehicles   297, Brewster, Fran   112 266, 320, 354 382-384 Bridwell, Vern   71AFLAC  323 Brokerage & Alliances   147,Albrecht, Erv   36 BAlcaraz, Marco   242 275, 291Aldrich, Drew   392 Babler, Art   40, 174 Brown, Veda   350Alexandrovich, Asya   337 Bacus, Lisa   280-281, 283, Bruce, P.K.   40, 45, 204Alfermann, Don   207, 210, Buchanan, Loren “Buzz”   180 237, 256 294-295, 309, 320, 323, Buchheim, Jim   367All American Convention   62, 326 Buchheim, Marty   394-395 64-65, 105, 149, 208 Baker, Don   118 Buchheim, Tom   310Allison, Claudia   130 Baker, Tina   256 Burns, Abby   360Allshouse, Maurice   101 Barclay, Kathleen   348 Burrows, Roger   171Allstate Insurance Compa- Barman, Sarah   298 Burt, George   67, 111 ny  93-94, 158, 201, Bastian, Angie   373, 390 240, 321, 323, 391 Baxter, R.A.   21 CA.M. Best   39, 115, 220, 240, Bazz, Scott   227 243, 286, 315, 345 Beavers, Edward   208 call centers   173, 214, 278, 292,Ambrosavage, Charlie   48, 63, Beck, Gary   173 295, 309, 322, 326, 339, 68-69, 92-96, 98, 100, Bender, Rita   83 343-344, 366 102, 104-106, 127, 146 Benitz, Phyllis   83American Center   179, 182, Benusa, Gerry   213, 261-265, Campbell, Eldora   23 186-187 274-275, 291, 295, 298- Campbell, Mike   154-155American Family Children’s 300, 309, 313, 320, 329, Campos, Jeff   207-208 Hospital  211, 254, 367 354, 356, 362, 366, 379 Cannaday, Scott   346American Family Financial Berger, Evelyn   315 CaPaul, Jeff   181 Services (AFFS)   119, Bergquist, Betty   275 Caplinger, Robert   143 198, 258, 274 Bertsch, Dave   220 Carlson, Ryan   264American Family Life In- Beyer, Traci   172 Carman, Charles   40, 98, 102 surance Company Bieber, Jeff   314 Caskey, Jim   42-43, 71, 82, 94, (AFLIC)  68-70, 113, Bindl, Don   346 116, 123, 125-126, 201, Bintzler, Bob   156 128 358 Birky, Sara   373 Castellucci, Marc   129, 298American Family Ven- Black, Kari   172 Caswell, Clint   242 tures  391-392, 394 Blackwell, Oren   57 catastrophe response   143, 300,American Standard Insurance board of directors   3, 21, 45, Company (ASIC)   79, 50, 55, 60, 69, 78-79, 93, 308, 319 113, 209, 335 115, 128, 148, 152, 154, Caves, Austin   298AmPlan  102, 118, 171 209, 254, 308, 319, 334, Chalgren, Ian   65, 233, 240,Amundson, Bob   48, 171 347-350, 363, 375-376,Anderson, Amy   346 392 267, 297, 323, 327, 332,Anderson, David   155-156, Boersma, Howard   169 362, 374 166, 201, 218-226, 229, Bolden, Renee   206 Chapman, Byrne   173, 243, 232-237, 240-245, 248, 266 252-254, 256-261, 265- charter members   16, 19-20, 267, 270-273, 281-283, 194 Chartrand, Jeanne   369 Cheatham, Reggie   393 Chen, Edward   228

Choi, Paul   298, 356, 373 Dettmann, Janet   298 Feivor, Frank   62, 88, 101-102,Chopp, Jack   204, 207 Dever, Jack   138, 139 179Christenson, Rod   156, 168, DeVoe, Bob   48 Dewey, Londa   308, 348 Fetherston, Rick   201, 206, 170-171 Dieter, Joyce   337, 351 214, 222-223, 235, 252,Christianson, Chad   390 Dirks, Oliver   118 254, 278, 312-313, 320-Chubaty, Tom   390 Dismuke, Lamar   227 321, 354Chvala, Joe   48, 115, 128, 131 Dittmer, Joe   102Chvala, Vicki   176, 178, 180, Dover, Pete   281 Feyen, Josh   310 Doyle, Richard   272 Fiorelli, Dean   296 186, 201 DreamBank  324, 327 Fisher, Amy Jo   351Claims  42, 57, 129, 138, 143, Dreams campaign   323, 326, Fisher, Harvey   52, 54 Fitzgerald, Jim   144 158, 168, 197, 242, 256, 331 Flowers, Rockne   202 265-266, 288, 292, 300- Duran, Ranger   210 Foley, Mandon   264 301, 372-374 Durant, Kevin   341, 368 Fondriest, Fabian   347, 354,Clapper, Nancy   164Clemens, Steve   219, 221, E 377-379 223-224 Foote, Karlee   361Cohen, Elliott   208 Eason, Chris   298 Forehan, Luke   395Coil, Mary   83 Easton, Paul   185, 220 Frank, Harold   6, 23, 27, 34,Cole, Calvin   143 Eckert Jr., Larry   296Collier, Kate   373 Edge, Rich   220 43, 62, 75, 88, 101-102,Compass  132, 168, 222-223, Egan, A.J.   82 118-119, 129, 162, 164, 322 Ehlers, Millard   102 179Conboy, Keith   237 Eikenberry, Dale   48, 80, 105, Franklin Mutual Life   45, 69Constien, Tim   279, 301, 354, Frase, Pete   173 378 139-140, 211 Freeland, Paul   373Cook, Charlie   177 Ekern, Herman   16-17, 21, 23, Freeman, John   390Cornwell, Matt   337 Frenczak, Fred   138Cox, Carl   207 43, 194 Fries, Sheri   130Craig, Kristi   361 Eldridge, Jim   158, 177, 196, Frost, Tom   127Crawford, Lynn   148 Fullinwider, Bob   143credit scores   236 198, 201, 204-205, 207,Cruz, Justin   307, 330 225, 236-237 GCumming, Christine   348 Elkins, Ann   298Cummings, Lyle   71 Ellis, Dwayne   289 Gard, Jason   361Curry, Harland   54, 103 Embray, Candy   292, 379 Garg, Rajita   373customer experience   210, 266, Endres, David   337 Gasper, Esther   83 272, 320, 358, 366, 368, Erdman, Gordon   40 Gaumnitz, Dan   36 376-378 Erickson, Cory   361 Gehrke, Donna   164 Esser, Helen   79, 164, 174 Gehrmann, Bernard   29, 37,D Evans, Kimberly   390 Everhart, Silver   128 40, 55, 71, 78, 85Dairyland Insurance   112 Every, Clarice Doane   23 GEICO Insurance   203, 214,Dallman, Jim   69Dangelo, Susan   308 F 229, 272, 323, 347, 350Dau-Schmidt, Nathan   393 General Casualty   12Davenport, Stan   137, 138 Fackrell, Regan   210 General (Permanent General,Denlinger, Jamie   393 Fancher, Todd   228, 337, 354,DeSalvo, Dan   154-155, 170, The General)   337-339, 358-359 341, 343-344, 347-348, 201, 207-210, 212, Farino, Larry   159 351, 354, 370-371, 387 214-215, 224-226, 234, Farmers Mutual Managers   18, Gengler, Monica   308 243, 249, 252-253, 256, Geraci, Sam   244-245, 248 258-259 20, 22, 27, 32, 35-36, 45, Gibbs, Loyal   54Desch, Eleanor   151 84, 85 Gibson, Kathryn   121Desch, Floyd   48, 63, 69, 127- Farmers Mutual News   38, 90 Gilb, Carolyn   213 128, 131, 141, 145, 148, Farm/Ranch  144, 146, 175, Giovannini, John   52 150-153, 174-175 212-213, 288, 351, 375 Gisi, Greg   147, 277, 354DeSmet, Chuck   144 Farnsworth, John   40, 57, 80 Gleason, Brad   195, 201, 255, Farrell, Dan   264 262-263, 265, 274, 295, Federal Highway Act   5 320 Gleissner, Janet   308

Glover, LeeAnn   187, 256 Hickman, Julie   329 174, 214, 221, 223-224,Goldberger, Jason   348 Hicks, John   67 229, 243, 258, 294, 296,Goldman Sachs   338 Higgins, Derrick   395 322-323, 330, 339, 343,Gouraram, Sreenivas   390 Highnam, Greg   361 386Graham, Brian   395 Hilmershausen, Mike   173 investments  26, 39, 124, 149,Graham, David   181 Himegarner, Angela   298 156, 174, 181, 198, 201,Grasee, Kari   274, 296, 330- Himley, Newman   40 238, 276, 283, 300, 348, Hines, Jim   144 354, 356, 370, 392, 394 331, 337, 345, 354 Hinner, Jim   390 Ireland, Kathy   341Great Depression   6, 29-30, Hinz, Bob   132 Irish, Rolland   51, 67 Hirschi, Scott   242 Ives, Duane   390 35-36, 123, 125, 151, Hirschy, Luke   373 179 Hodkin, Jeff   274 JGreiter, Bill   336-338, 347, Holman, David   255, 320, 337, 350, 393 Jackson, Pat (Snell)   136-138Grewal, Bhupendra   373 354, 383, 387, 390-391, Jacobi, Ryan   373Grilz, Tony   242 394-395 Jacobson, Hazel   18-19, 23Grinde, Tim   346 Holmen, Tom   154-155 Jacobson, Kathy   356, 390Groth, Tracy   308 Holmes, Derek   329 Jansenberger, Tobin   395Grubanowitch, Carrie   373 Homesite  213, 337, 347, J.D. Power   243-245, 259, 271,Gruenisen, Al   82, 112-114, 350-351, 354, 370-371, 117, 119, 121, 128, 139, 377-378, 387 359, 366, 368 157 Hoppe, Bill   78, 164 Jennings, Stephanie   361Grzenia, Ed   146 Horner, Frank   129 Jensen, Maxine   164Gunder, Peter   276, 278, 283, Hornsey, Margot   130 Jeter, Derek   340 320, 330, 336-338, 345, Howard, Leslie   348 Johnson, Bob   169 347, 354, 391-395 Howard, Lungen   207 Johnson, Brent   122, 155-156,Gundlach, Randy   172 Huebsch, Wally   62, 101, 103-Gutman, Dennis   232 104, 117-118 171, 196, 201, 219, 224-Gu, Xiaoming   393 Huenefeld, Leo   57 226, 237, 247, 253, 260,Guzman, Dan   326 Hughes, Don   365 296, 342 Hunter, Alan   149, 155, 169, Johnson, David   298H 175, 196, 201, 223-224, Johnson, Don   298 234 Johnson, Gerald   337Haas, Dick   139-140, 177-178, Hunter, Gary   207 Johnson, Janayia   339 201, 256 Hunter, Shawn   228, 361 Johnson, Jim   146, 175 Hunter, Terrance   207 Johnson, Nancy   175-176, 178,Hahn, Darlene   83 Hutchison, Bert   152, 157, 195, 182, 201Hamilton, Michael   361 198 Johnston, Heather   393Haney, Ann   157-158 Johnston, Tim   292Hannon, Gloria   126 I Jones, Benada   339Hansen, Heather   242 Jones, Derril   141Hanson, Fran   127 IBM  73, 81, 114, 163, 167- Jones, Gwen   204, 207-208Hardware Mutual Insurance 168, 170, 231 K Company  27 Ihnow, Bill   141Harmeling, Dick   127, 132 Impey, Dave   71 Kalbskopf, Richard   6, 14-23,Harris, Dan   337 Information Services 26, 29-30, 33, 35, 36, 39,Harrison, Eric   393 42-45, 50, 59-60, 89, 162Hartford Insurance   347 (I/S)  218-220, 223,Harvey, Carole   83 233, 243, 249, 266, 282, Kalina, Marianne   373Harvey, Henry   57, 67, 85, 164 283, 300-301, 306-307, Karsten, Kris   337, 393Hayes, Howard   53-54, 57, 60, 331, 354, 356, 391 Kasetti, Sabari   373 Inman, Matt   280 Katers, Keith   168, 310 67, 77, 78, 80, 84, 110, innovation  6, 54, 132, 173, Kauzlarich, Sierra   361 113 232, 374, 380, 388, 391- Kaye, Ralph E.   201Heinselman, Lloyd   229 395 Keeler, Seth   310Hellenbrand, Greg   337 Institute for Highway Safety Keel, Michelle   212Henning, Al   102 (IIHS)  120-121, 179 Keelty, Amy   390Henry, Bill   81 internet  106, 115, 132, 173- Keller, Tom   328Hernandez, Kayla   361Hickey, Barbara   10-11, 15

Kelliher Bob   40, 45, 75, 77-78, Kromke, Collin   310 M 80-81, 114, 118, 163, Krueger, David   201, 205 167 Krumberger, Lori   272, 337 Maastricht, Jim   298 Kuemmel, Frank   114 Mace, Nicole   361Kelliher, Melissa   351, 390 Kumar, Shally   373 Madden, James   337Kellner, Ted   348 Kurnett, Peggy   45 Magiera, Brian   360Kelly, Dan   249, 257, 275, 277, Kutz, Jim   298 Mahoney, Don   116-118, 131, Kutz, Ruth   122, 174, 178 281, 296, 299-303, 320, 171 331, 336, 345, 354 L Mainprize, Jack   71Kempfer, Erin   390 Malinske, James   157Kessenich, Lee   177 Lacey, Debbie   208 Mallow, Bob   171Khurana, Rakesh   348-349 Lahr, Molly   392 Malmgren, Scott   348Kick, Kelly   346 Lai, Dominic   208, 209 Maloney, Pat   209King, Andy   229 Laird, Bex   393 Manke, Peter   369King, Lynn   393 Lamb, Bob   143 Manley, Marty   180King, Paul   152, 156, 172, 195, Landolt, Ken   337, 356, 390 Mantz, Milton   70, 71 198-199, 201, 220, 224, Lang, Bryan   308 Market Men’s Mutual   60 226-227 Larimer, Virginia   130 Martin, Joann   392Kingren, Christi   273 Larson, Rob   211 Mash, Jennifer   373King, Tom   156, 198, 201, 276 Larson, Shauna   361 Masih, Muktesh   395Kinnamon, Gus   51, 55, 57, Laubmeier, Joe   220 Massmann, Art   169 61-63, 67, 69, 80, 84, 90, Lauer, W.G.   71 Mathwich, Dale   50, 62, 88-89, 93, 100, 103, 113, 116, Lawler, Ryan   346 121, 131, 151 Lawrence, Lolly   279, 357, 390 102, 120, 141, 145-Kirkconnell, Kristin   282-283, Lawson, Teri   177 147, 149, 152-156, 171, 306-307, 311, 320, 337, Leading Career Agent Club 179-180, 185-187, 191, 354, 361, 374 194-199, 201-203, 208,Kissling, Alice   205 (LCA)  64, 71, 149 211, 215, 218-219, 222,Kittoe, Jan   262 Lee, Andy   212 224-227Klas, Patrick   392 Lee, Bruce   337 Mathwich, Lila   149, 179Kleinheinz, Bill   80, 90-92, Lee, Cristy   298 Maurer (Fischer), Kathryn   44, 103, 116, 121, 127, 131, Leffler, Rene   256 58, 60, 133 146 Lemons, Russ   196, 201, 233 Maurer, Irving   27, 29, 31-33,Klitzke, Marvin   62 Lewis, Jennie   81 39, 43-45, 49-52, 54,Klokner, Jim   128, 136, 146, Liberty Mutual   347 55, 57-60, 63, 67-69, 71, 152, 169, 195, 199, 201, Lien, Kelly   298-299, 360, 390, 74, 78-80, 84-85, 89-91, 219, 225, 226 93-96, 106, 115-116,Kluesner, John   298 391 118-119, 121-125, 128,Knapstein, Annette   106-107, Lighthall, Maxine   52, 69 131, 133, 167, 202, 235, 215, 265 Liljegren, Darwin   82 370Knight, Tyrone   294 Link, Sheila   170 Maurer, Nan   58, 235Knoche, Gregg   173 Listau, Chris   213, 228, 351, McAleer, Charles   273, 308Koch, Bob   48, 52, 61-63, McCarter, Jean   210 68-71, 85, 115-116, 118, 354 McCarthy, Dean   119 122-123, 125-126, 128, Little, Scott   298 McCloskey, James   54, 103 133, 142, 144-145, 148- Littrell, Bob   71 McCormick, Terri   308 153, 155-156, 159, 168, Lofgren, Karl   390 McCullough, Nannette   206 174-175, 180, 194, 283, Longfield, Marian   81 McNish, Larry   224, 272 358-359, 365 Loper, Dennis   242, 274, 277 McWhinney, V.J.   84Koch, Dean   393 Loppnow, Keith   390 McWilliams, Sam   293Koehler, M.A.   55 Lowry, Dick   71 media center   175Koenig, Brenda   379 Luedtke, Frank   119 Meek, Julia   264Koerner, Harold   23 Luick, Fred   67 Mendoza, Annie   361Koltes, Gertrude Coffey   23 Lumbermens Casualty   336 Menesse, Mario   299Kostka, Jane   390 Lunder, Ray   390 Mercado, Jaime   206Kovich, Bob   169 Lundy, Bill   137-138 Mercier, Sharon   315Kraemer, Rose   373 Lyft  383, 384Krolikowski, Joe   209

Meyer, Al   196, 201, 207, 209- Near, Bill   143 Phillips, Phillip   341 210, 214-215, 221, 225, Nelson, Clayton   139-140, 152, Pierce, Delores   204, 211 228, 243-245, 248, 259, Pierce, Harvey   50, 102, 120, 265, 280, 291, 342, 358 195, 201-202, 209-211 Ness, Bob   220, 337 140, 146, 148, 152, 155,Miele, Marc   337 Newell, Laudon   39 169, 172, 178, 180, 186,Miller, Paul   92 Nguyen, Alice   248 191, 194-198, 201-204,Miller, Pete   48, 60, 79-80, 84- Nicholas, Albert   202 206, 208-209, 211, 214- Nick, Jim   377 215, 218, 224-227, 232, 85, 92, 94, 103-104, 108, Nicolay, Joe   48, 108, 116-117, 236-237, 241, 252-254, 113-114, 116, 117-119, 259, 264, 365 121-122, 125, 128, 131, 122, 139, 141, 179 Pietras, Tom   312 133, 139, 148-149, 151, Niles, Jennifer   298 Pinzon, Cesar   227 159, 166-167, 174 Nimocks, Sandie   138 Platt, Dave   242Miller, Steve   346 Nordby, Jane   337 Polster, Greg   219, 220, 256Miller, Steven   175 Northwestern Mutual   69 Porter, Bessie   242Miller, Tim   209 Novak, George   154-155 Portz, Laura   393Minter, Don   363 Noyes, Diane   148 Powell, Keith   206Moffat, Matt   361 Powell, Terri   361Moody, Bill   308 O Powers, Bob   168Mooney, Tom   172-174, 276, Powers, Lori   346 278 O’Connor, Mary   174 Preston, Jeff   277Moore, Amory   84, 94 Ogilvy  87, 326 Progressive Insurance   29, 43,Moore, Darnell   168, 176-178, Oliverson, Kim   242 85, 203, 214, 229, 236, 197, 201, 225-226, 234- Oliver, Walter   260, 348 240, 272, 347, 350 236, 248, 256, 261, 264, Olson, Johanna   395 property profitability   241, 243, 292, 363 Olson, Louis   66-67, 148-149 309, 345Moosmann, Paul   71, 119 Olson, Milt   62 Protsch, Eliot   348Moravec, Mary   148 Olson, Ronda   170 Prudential Insurance   94Morrow, Michelle   337-338, O’Neal, Shaquille   339 Pugh, Kazell   207-208 369 OneAmFam  368-369 Purcell, Shari   258Mortensen, Harry   31-32, 43 Operation Blue Ink   57, 59-60, Purdie, Olga   130Mortimer, Dawn   279Morton, Fred   124, 181 62, 80 QMosley, Tim   298 Opgenorth, Alex   23, 27, 42,Mosley, Vanessa   158 Quesnel, Rob   226, 242, 264,Mudd, Bob   71 53, 61-62, 67, 71, 77, 79, 379Mueller, Deanna   256 85, 94, 113Mueller, Libby   351 Orthey, Eric   393 Quinn, Jackie   298Mullvain, Andrew   393 Osborne, Jessica   361Mundt, Marv   143 RMurray, Zach   256 PMuth, Ken   337 Radtke, Joseph   20, 33, 59mutual holding company   375- Papierniak, Pam   172 RAMAC  81, 167 376 Parish, Barbara   202 Ramiker, Les   40, 49, 80, 139 Parker, Randy   309, 338-339, Rammer, August   17, 19, 21,N 344 32-33, 39, 44-45, 54-55,NAACP  204-205, 235-236, Payne, Don   126, 220 60, 78, 84-85 363 Paynter, Pete   223 Rashke, Barbara   279, 390 Peachey, Theresa   390 Reed, Dan   392Nachreiner, Dick   92 Pelusi, Sherrie   237 Reeder, J.R.   196Naegle Advertising   93, 96-98 Personal Lines   129, 157, 240, Reed, John   48, 62, 68, 125-NAII  50, 85, 119, 121, 133, 126, 148, 283 253, 261, 288, 293, 298, Reetz, James   308 148, 159, 200-202 307, 320, 346 reinsurance  69, 147, 277, 345,National Business Own- Peterson, Evelyn   81 354, 369, 371 Pett, Ernest   18, 20, 22 Rekowski, Jerry   147, 212-213, er’s Conference Pettit, Sarah   323, 326, 393 270-271, 291, 295, 320, (NBOC)  322, 323 Pfefferle, Jim   48, 111, 125, 354Nationwide Insurance   80, 94, 144 258 Pfluger, Greg   307, 311, 375, 390-391

Renk, Richard   202 Sanks, Joe   70, 119, 171 Smith, T.J.   264Renk, Walter   94, 128 Sarbacker, Dan   393 Snodgrass, Phil   12resident underwriters   61-62, Sarntee, Jodi   206 social media   223, 280-281, Sather, Ray   35, 122, 164 169, 235 Schafer, Harold   57 310, 322, 324, 326, 334,Reuter, Carson   308 Schaffner, Wilroy   57 340, 343, 386-387, 391,Riederer, Patty   346 Schallert, Sterling   43, 48, 129 394Riege, George   81, 114, 167 Scharer, John   131, 180, 185- Soglin, Paul   180, 186Riemer, Dale   356 Soli, John   101Riggs, Michael   287-289, 379 186 Sorenson, Lyle   131, 195Riley, Darrell   146 Scheaffer, Edna   74 Spaanem, Dawn   337Rist, Ryan   393-394 Schelthelm, Rick   337 Spark  380, 388Ritchie, Lisa   170 Scheper, Wendy   298, 308, 329 Spencer, Chris   151, 205Robertson, Ken   390 Scher, David   39 Spierings, Chris   390Robertson, Ryan   361 Schiferl, Albert   21 Spilde, Tom   146Robinson, Doug   237 Schleck, Roth   128 Sprecher, JoAnn   164, 166, 174Robinson, Robbie   48, 119, Schluesche, Mark   337 Spriggs, Harvey   17, 19-21, 29, Schmitz, Urban   129 54-55, 60, 78, 85, 158 127-128, 145-146 Schmoeger, Mary   255, 270- Sreenan, John   149Rodriguez, Ricardo   293 Sreenan, Millie   149Roethe, Eric   346 271, 282, 298, 320, 354, Stampen, Pam   173,-174, 276,Rogers, Edwin   395 379, 386 279, 293, 309Rogers, Stuart   298 Schroeder, Julie   237 Stassi, John   170Rosendahl, Tim   347 Schrom, Arch   211 State Farm Insurance   14,Roskam, Flynn   127 Schubert, Karyn   393 16-17, 21, 31, 36, 43, 69,Rottmann, Walt   71, 102 Schultz, Dan   225, 242, 252, 80, 93-94, 240-241, 258,RPM  253, 255, 261-263, 266, 260, 276, 283, 296, 311, 308, 391 318-322, 334, 336, 338- State Farm Mutual Insurance 272-274, 291, 295, 300, 339, 342-344, 347, 351, Company of Madison, 307 354, 357, 360, 363, 370, Wisconsin  36, 43Rudeen, Corinna   360 387 Stauffacher, Jessie   378-379Rudloff, J.C.   71, 82 Schultz, Les   52 Stearns Mayer, Dorothy   122Ruffin, Cassandra   210 Schulz, Cathy   390 Steffen, Bob   66Ruiz, Sylvia   294 Schumacher, Steve   168 Steffen, Rich   228, 311, 366,Rupert, Julie   255, 307, 390 Schweiger, Lynn   373 368, 379Ryan, Tanya   373 Sebald, Dave   181, 274 Stephan, Joe   62, 101, 103-104, Seery, Maybelle   81 117, 118, 211S Seibert, Russ   71 Stidham, James   273 Seidl, Alfred   40 Stoffels, Doug   242, 288, 296,Saint-Louis, Julie   175 Sentry Insurance   27, 311 337Saletri, Julie   346 Settel, Peter   378 Strand, Phil   21, 141Salisbury, Bob   92-93, 95-96, Severson, Amanda   390 Straub, Todd   279 Seymour, Scott  376 Streif, Dennis   70 98, 100, 102, 104-107, Shaik, Sameer   373 Stricker, Steve   340-341, 367 127, 215 Shain, Paul   348 Struck, Stu   112Sallwasser, George   57 Shanahan, Lee   393 Stuckmeyer, Ollie   280Salzwedel, Jack   120, 157, 205, sharing economy   383 Swalve, Jeff   377, 379 223, 228, 234-237, 240- Shedesky, Mike   390 Swalve, Paul   363 242, 247-249, 259-262, Sherman, Ken   337 Swiggum, Stacie   220 264-265, 270-272, 275- Sich, Jonna   360 Switzky, Gary   198, 201 276, 281-283, 291, 294- Siebers, Paulette   266 295, 300,-302, 308-311, Siefert, Terry   266, 337 T 315, 318-322, 326, 334, Siemion, Tracy   326 336, 338-339, 342-344, Simon, Bill   221, 243, 256, 291, Taarud, Terese  256, 265 347-348, 350-351, 354, 309 Taylor, Don   54, 212 356-358, 360, 363, 368, Simone, Dr. Beverly   202 Taylor, Kecia   212 370-371, 375-379, 382- Sinden, Tammy   373 Teen Safe Driver   275, 347 383, 387, 391-392, 395 Skalski, Sue   390 telematics  387, 391Salzwedel, Sarah   363 Small, Michael   395Samarzja, Jann   346Sandeen, Si   61

Thalacker, Bruce   203-204 Verstegan, Dave   308 Wilson, Russell   340Thedinga, John   237, 242-243, Vetter, Jessie   340 Wingate, Michelle   310 Vickers, Charity   298 Wisconsin Automobile Insur- 276, 298-299 Vilbrand, Mark   346Theilen, Mary   255, 277, 299, Vincent, Jim St.   123, 166, 176, ance Company   6, 11, 14 337, 345, 379 262, 379, 390 Wittwer, Barbara   10-14, 31,Thompson, Larry   295 35, 60Thompson, Phil   298 W Wittwer, Herman   3-4, 6-23,Thomson, Fran   101, 102 26-27, 30-37, 39, 41-45,Thorp, Kevin   212 Wadeson, Wayne   101 50-51, 55, 59-60, 67-69,Timm, Barry   144 Wagner, Lenore   212 74-76, 78-79, 84-85, 89-Tingley, Steve   132 Wallace, Hugh   48, 62, 69, 113, 90, 93-95, 105, 121-122,Tisserand, Joe   125-127, 146, 133, 148, 162-164, 166, 116, 118-119, 122, 128, 181, 191, 208, 327, 330, 171, 175, 201, 240, 246- 167, 181 367 249, 283, 358, 363 Walton, Dr. Robert   202, 224, Wolf, Len   60, 62Tisserand, Kay   247 226 Wong-Young, Mary   278Tobias, Ed   92 Walton, Pete   198, 201, 283, Wragge, Amy   228, 361Toney, Bob   263-265 292 Wright, Ben   337Tran, Elaine   264 Wang, Dan   373 Wunsch, Dave   148, 154-156Travelers Insurance   5, 69 Ward, Dr. David   202 Wurch, Arden   103True, Dan   264 Warren, Noel   4, 71, 140, 211Trujillo, Danette   206 Waters, Sherry   339 YTurner, Ralph   308 Watt, J.J.   340, 36821st Century Insurance   321 Weathers, Hilton   175 Y2K  220, 282Tyler, Doranita   206 Webb, Inc.   85, 119 Yancy, Telisa   283, 323-324, Webster, Chuck   39, 45, 79,U 126-127, 246 326, 337, 340-341, 378- Webster, Loudon “Lod”   79, 89 379Uber  383-385 Weerts, Jeff   185 Yard, Roger   337Umhoefer, Tom   220 Weigell, Carl   202 York, Patricia   83Underkofler, James   128 Weis, Todd   373 Young, Harold   155Underwood, Joel   390 Wells Fargo   371 Young, Paul   65, 364-365Union Mutual   51-52, 66-70 Wentz, Joelene   178 Yttri, Carol   256University of Wisconsin   9-10, Wenzel, Ann   266 Yugo, Nancy   173, 177 Westbrook, Randy   393 29, 58, 75, 79, 90, 123, Westervelt, Holly   360 Z 133, 152, 159, 174-175, Westrate, Bill   214, 238, 240- 179, 201-202, 211, 254, 241, 255, 265, 291, 296, Zacher, Annette   158, 176 257, 312, 340-341, 367 307-308, 311, 320, 331, Zamansky, Neil   337Upton, Theresa   208 337, 345, 354, 366, 371, Zierer, Kyle   346urban marketing   204-208, 378 Zimbrick, Tom   260, 348 227, 379 West, Walter   82 Zwettler, Joe   147, 235-236, Whalen, Kelly   279V White, Richard   181 241, 248-249, 253, 255, Wiggen, Virginia   83 261-263, 266, 274, 291Van Beek, Troy   337, 354 Willan, Steve   244Van Berkum, John   337 Willey, Becky   264Vanden Avond, Pat   118, 150, Willhite, Earl   54, 57 Williams, Jackie   335 166, 172-176, 186, 278, Williams, Joe   71 279 Williams, R.J.   57Vanden Heuvel, Norb   118, Williams, Tom   308 150, 166, 172-176, 186 Wilpolt, Gene   118Vanderveer, Erik   361 Wilson, Julie   293Vang, Charles   208 Wilson, Kye   287Van Lysel, Steve   172Van Meter, Sue   361, 390variable products   238, 247- 249, 266, 358Vecchi, Kimberly   373

Ian Chalgren, left, is a veteran graphic designer who has worked incommunications and marketing for American Family since 1999. He earneda bachelor of fine arts degree from the University of Wisconsin-Madisonas well as degrees from Madison College and Cardinal Stritch University.In his free time, Ian enjoys traveling with his wife and their daughters,running, splitting firewood and skateboarding his backyard halfpipe.Rick Fetherston retired as American Family’s senior vice president ofcommunications in 2014. He earned degrees in journalism and law fromthe University of Wisconsin-Madison. He worked for 22 years as a printand broadcast journalist before joining American Family, where he ledthe corporate communications team for 22 years. Rick’s interests includefamily, golf, the Green Bay Packers and escaping Wisconsin to enjoyFlorida in the winter.