Find An Agent

The agents at Northern Finnish Mutual Insurance are dedicated to providing exactly what you need.


Jerry Heino, Agent - Mellen

Phone: +1-715-681-1567

agent Jerry HeinoJerry Heino, Agent and third-generation policy holder with Northern Finnish Mutual Insurance, is a service-oriented big thinker who jumped at the opportunity to join the NFM team as an agent in 2007. Patient and empathetic, Jerry says he was drawn to the uniqueness of NFMI and the chance to be involved with people. Customers appreciate his bottom-line orientation when it comes to providing information and advice related to their insurance needs.

After 35 years as the Manager in the agriculture supply business, he retired to pursue personal interests including part-time agriculture, gardening, hunting, fishing, spending time with family, and meeting new people.

Jerry is often asked about insurance, planting a lawn or garden, and crops for the area grain markets. He says life is what you make it…and his is made of deep satisfaction as he connects with NFM customers, listens to their questions and concerns, and provides solutions to insurance challenges faced by individuals, families and businesses throughout the region.

Jerry has traveled to several countries in Europe on a FFA Goodwill tour, to Mexico and Hawaii, and to several southern, western and midwestern states.

Jerry is happily surrounded by four children, four step-children, 24 grandchildren, one great-grandchild, and a dog Toivo—the Finn Lander Shiatsu. He is a life-long member of Moland Lutheran Church, a member of the Church Council and President of the Moland Cemetery Association. He says he would like to see society slow down, enjoy family and friends, enjoy and preserve nature, and work together for a better future.


Myron Ollanketo, Agent - Marengo

Phone: +1-715-278-3759

agent Myron OllanketoPatient and empathetic, Myron Ollanketo, Agent, joined the Northern Finnish Mutual Insurance team as a Board member in 1998 and became an agent in 2006. Customers benefit from his objective, realistic and service-oriented approach as he places a high priority on listening to what customers are saying and giving them the opportunity to explain their needs in detail before providing individual solutions.

Myron’s knowledge and experience are the perfect background for answering sought-after advice about insurance, heating and air conditioning, anything propane related, outdoor power and recreation equipment, and vacuum sales and service. He understands firsthand the importance of insuring recreational equipment thanks to his passion for riding motorcycles, snowmobiles, 4-wheelers, tractors and ATVs.

Myron is a life-long resident of Marengo, Wisconsin. Myron has four grown children. He has a love of the northland; the Packers, Brewers and Bucks; and enjoys traveling, home renovation, and spending time with his family.

Myron says to count your blessings every day, especially if you’re lucky enough to have your health and a healthy family.


Janice Penn, Agent - Highbridge

Phone: +1-715-274-2942

agent Janice PennKnown for organizing programs and projects, Janice Penn, Agent, is a natural leader and insurance agent. She is professional, precise and attentive to detail and takes pride in removing the overwhelming feeling that often comes with making insurance decisions. Customers can rest assured that she will never promise service she cannot deliver.

Where does that systematic, thorough approach come from? We think it dates back to growing up in Menomonee Falls, Wisconsin -- a German Catholic farm community where neighbor helped neighbor.

Jan carried those values with her to Ashland County in 1972 where she met like-minded neighbors at her first NFM membership meeting. Within one year she was asked to join the Board of Directors. “The men on the Board said they needed a woman,” Jan said. “My name was put before the meeting, and I became the first woman on the Board of NFM. Within a couple of years they decided I should be President, and so I became the first women President of a Wisconsin Town Mutual.

“When some of the Board members and agents began to retire and pass on in the 1980s, we needed agents. I decided to help out. I really feel blessed by having had the opportunity to know some of those old Finnish farmers, loggers and laborers whose families started NFM. They really taught me a lot about the co-op spirit, fairness, and neighborly caring.”

Jan says NFM came into existence when no other company would step forward to provide such service in rural Northern Wisconsin.

She believes NFM must continue to leverage resources, skills and knowledge to provide the best insurance possible while being creative in addressing the challenges inherent in providing coverage’s for new perils as the community grows and moves toward more sustainable energy resources, home construction, and business/farming ventures.

Jan is the recipient of the League of Women Voters-Wisconsin Leadership Award, the 5 Star Award for Patient Satisfaction and Service, and certified as a National Nurse Practitioner-Adult Health. She serves on the Medical Advisory MA Program at Wisconsin Indianhead Technical College.

When she’s not immersed in insurance, Jan is likely working as a Nurse Practitioner at the Ashland Clinic…or planting, harvesting, preserving, fishing, crocheting or knitting…or working on social justice, human equality, health and environmental stewardship projects…or spending time with her husband, daughter, son-in-law, twin grand-daughters plus two cats, two dogs, two horses and lots of chickens.


Great Lakes Insurance Agency Inc. – Ashland
Phone: +1-715-682-2086


Nemec Insurance Agency LLC - Ashland
Phone: +1-715-682-2515



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Northern Finnish Mutual Insurance

41396 State Hwy 13
Marengo, WI. 54855
Phone: +1-715-278-3944
Toll Free: +1-888-305-9923
Fax: +1-715-278-3946