About Us

Heiar Insurance Team

Sandy Heiar

Certified Senior Advisor®

My name is Sandy Heiar, owner of Heiar Insurance Services and Estate Planning, LLC. I am a Certified Senior Advisor living in Beaver Dam, Wisconsin. I have proudly offered conservative retirement planning and insurance services since 1999. I believe in doing business with integrity and creating lasting relationships with my clients. I ask many questions to insure I know my clients needs and desires in order to create a plan specifically designed for them. I believe in old fashion work ethic, family values and giving back to my community.

Community Connections

  • Board of Directors Chamber of Commerce
  • Steering Committee for Beaver Dam Senior Center
  • Weekly Senior Solutions Radio Show
  • Social Security Optimization Seminars at Beaver Dam Moraine Park Technical College

Emily Worth

Insurance Advisor

I am a life long resident of Beaver Dam, Wisconsin. I graduated from UW-Oshkosh with a degree in Criminal Justice and Psychology as well as a Masters Degree in Community Counseling from UW-Milwaukee.

Throughout my college years I was involved in the insurance industry. I earned my life and health licenses in the State of Wisconsin in 2008. I am excited to blend the skills of my education with my family's passion and dedication to the Beaver Dam Community. My family has taught me the secret of success is hard work, honesty, and to put people first. 

I look forward to partnering with you to find the best solutions for your insurance needs.

Community Connections

  • Weekly Senior Solutions Radio Show
  • Chamber of Commerce
  • Social Security Optimization Seminars, Beaver Dam Moraine Park Technical College

Robert W. Melick, Esquire

Elder Law & Estate Planning Advisor

Rob Melick is a native of Hubertus, Wisconsin. He graduated from the University School of Milwaukee and received his B.A. in Economics with Honors from Swarthmore College, where he was a member of the College’s football and track teams. He received his J.D. from Penn State University. Rob’s focus is on estate planning and elder law. Rob is a frequent speaker on the topics of estate planning for the elderly and estate planning for the young family. He teaches several classes on estate planning and asset protection at Moraine Park Technical College. Rob has significant experience in helping preserve the assets of individuals and families faced with admission to a nursing home and those who want to avoid the probate process.

Rob offers free initial meetings with clients. During that no obligation, no pressure meeting, Rob will discuss various estate planning options. He will also review existing estate planning documents at no charge to determine whether and to what extent they may need to be updated. All estate planning work is completed on a flat fee basis, meaning that there are no hidden costs and clients can communicate with Rob in an unlimited manner without worrying about cost.

Jill Bennett


I moved to rural Horicon 30 years ago when I married my husband Andy, and together we have raised two sons, both in the Engineering field. I worked part - time in the finance and insurance industry and I am also a fitness instructor.

I have been with Heiar Insurance for 4 years, and I specialize in customer service, customer resolution, and computer software. I am also a licensed agent in life and health insurance. I look forward to helping you get your questions answered.

Ruthanne Feucht


I have lived in the Mayville area on a farm for nearly fifty years. My husband, Jerome and I raised a family of eight children, six boys and two girls. We are now blessed with eleven grandchildren. I began my part-time employment at Heiar Insurance four years ago after retiring from Marian University as an administrative assistant for the graduate program in the School of Nursing. Working at Heiar Insurance enables me to remain active and challenges my mind with life-long learning. I greatly enjoy interacting with people in a customer service environment and derive much satisfaction in assisting the clients and inquirers to get their questions answered and resolve their insurance and Medicare needs. I also work with various software programs. I look forward to meeting you as well as communicating with you via telephone at Heiar Insurance.

Free Consultations for Insurance, Retirement & Estate Planning

Talk With Us:


or Toll-Free 1-800-903-0331

1645 North Spring Street Suite 315
Beaver Dam, WI 53916