N E W
orth
astern
isconsin
SLETTER
Fall/Winter 2016
The Promise You Can Trust
President’s Message
When Christmas bells
are swinging above
First Nine Months – 2016
the fields of snow,
The Company’s corporate performance for the first
nine months of 2016 again showed very favorable
results.
Premiums written increased to
$5,070,102, the Company’s surplus increased to
$9,054,751, underwriting income increased to
$850,812 and incurred losses were down from the
previous year due to no catastrophe losses for the
period. A more complete report can be found on
page 8.
we hear sweet voices ringing
from lands of long ago,
and etched on vacant places
are half-forgotten faces
of friends we used to cherish,
and loves we used to know.
Ella Wheeler Wilcox
Inside this issue:
President’s Message 1
Chad Schuettpelz Receives PFMM Designation
On September 12, 2016, Chad Schuettpelz
received the National Association of Mutual
Insurance Companies’ Professional Farm Mutual
Manager (PFMM) Designation at the WAMIC
Convention in Manitowoc.
On November 15, 2016, confir- Al Schuettpelz
mation was received that the
A. M. Best Company has again reviewed and rated
Maple
Valley
Mutual’s
performance
A(EXCELLENT). This rating reflects the Company’s
adequate risk-adjusted capitalization, conservative
underwriting leverage, favorable overall balance sheet
liquidity and well-established local market presence.
Their rating also confirms management’s adherence to
a conservative operating philosophy, as reflected in its
underwriting and pricing discipline. Also, the
Company maintains a comprehensive reinsurance
program which includes an aggregate excess cover
that places a limit on the maximum amount of losses
the Company is subject to on an annual basis. A. M.
Best continues to assign the Company a stable
outlook.
Michelle Ziesmer Promoted to Accountant
8
8
Best wishes to everyone for a joyous and safe Holiday
Season….. And thanks to all of you for your
contribution to our success story.
2-3
Golf Outing/Tours
4-7
Company Personnel 7
David G. Weber’s
Parting Thought
Carol will retire as the
Company’s Accountant and
EDP person on December
31, 2016. She joined the
Company back in 1986 and
helped with many of the
updates to our accounting
and EDP systems. The latest
being all the changes
involved with IMT Computer
Services. We all wish her well in her retirement.
A. M. Best Annual Evaluation
Effective January 1, 2017,
Michelle will replace Carol
Reinhardt as the Company’s
Accountant. She joined Maple
Valley Mutual 7 years ago and
will also continue to work as
an Underwriter for the
Company’s Dwelling Program.
She received an Associate
Accounting
Degree
from
NWTC in December of 2014.
Agent Meeting
Company Results
for First Nine
Months
Carol Reinhardt Retirement
This
designation
formally
recognizes Mr. Schuettpelz’s
educational
accomplishments
and dedication to professionalism as a farm mutual leader.
Chad joined the Company as
Claims Manager in March of
2014.
Below:
WAMIC Chairman Gary
presents Chad with his Designation.
Krumenauer
Al Schuettpelz, CIC
President & CEO
What is Christmas? It is tenderness for the past, courage for the present, hope for the future.
It is a fervent wish that every cup may overflow with blessings, rich and eternal,
and that every path may lead to peace.
Agnes M. Pahro
Page 2
Annual Agent Meeting -- August 16, 2016
The Company’s Annual Agent Meeting was held on the above
date at The Golden Sands Golf Course in Cecil. This event was
well attended by Agents representing most of the Agencies that
write business for the Company. The following information
related to the Company’s operation was shared with those in
attendance:
Anne Doyle, Marketing Representative, 1st Auto & Casualty
Insurance Company:
- Overview/history of 1st Auto;
- New policy administration system; and
- Competition and growing with Agents.
President & CEO Al Schuettpelz reviewed and discussed the
following items:
Chad Schuettpelz, Claims Manager:
- Impact of weather and storms on Company results;
- Increase in water damage losses; and
- Other loss information.
-
The Company’s 125 year history from 1891-2016;
-
Umbrella Program updates;
-
New Farmowners Marketing Brochure;
-
Other minor revisions and updates;
- Very good Company results for the first six months;
-
The soft market; and
-
Other items of interest.
John Matravers, Chairman
Josh Schonfeld, Loss Prevention:
- Review of electrical service guidelines; and
- Other loss prevention information.
Following a brief question and answer session, door prizes
were awarded.
(Photos of Agent Meeting - shown below and on Page 3)
Al Schuettpelz, President & CEO
Ann Doyle, 1st Auto—Marketing
Chad Schuettpelz, Claims Manager
Josh Schonfeld, Loss Prevention
Nothing in this world can take the place of persistence. Talent will not; nothing is more common than unsuccessful people with talent.
Genius will not; unrewarded genius is almost a proverb. Education will not; the world is full of educated failures.
Persistence and determination alone are omnipotent.
Calvin Coolidge
Page 3
Agent Meeting continued
The core purposes of every organization….
Attract, Grow, Retain Customers ….. at a Profit.
Page 4
Peter Drucker
Nineteenth Annual Golf Outing - August 16, 2016
The Company’s Nineteenth Annual Golf Outing was held at The
Golden Sands Golf Course in Cecil. 42 golfers participated in the
best ball scramble. The weather was cloudy with a little rain; but
everyone still had a great time.
The winners of the scramble were:
1st Place (14 under par) - Mike Walston, Ted Haase,
Scott Hansen and Jerry Braun
2nd Place (10 under par) - Gene Norton, Shane Norton,
Wade Flanery and Jim Sheedlo
3rd Place (8 under par) - Kevin Casper, Kasey Casper,
Ken Casper and Gary Kotecki
M. Walston, J. Braun, S. Hansen, T. Haase
C. Reiswitz, P. Mueller, D. Carriveau & D. Reiswitz
Other Awards:
Longest Putt - #1 - Sheryl Dobratz
Closest to Pin - #2 - Jerry Braun
Longest Putt - #3 - Jerry Braun
Longest Putt - #6 - Ken Casper
Closest to Bridge - #12 - Judy Reisner
Longest Drive - #15 - Scott Hansen
Closest 2nd Shot - #16 - Dave Krautkramer
Closest to 150 yard marker - #17 - Rob Jensen
Closest 2nd Shot - #18 - Kevin Casper
The non-golfers enjoyed the afternoon by taking tours of Stone
Creations, Sundrop Museum and ANEW Emporium all in
Shawano, Wisconsin.
The day’s activities concluded with a steak dinner and the awarding
of golf prizes and more door prizes.
K. Casper, K. Casper, K. Casper & G. Kotecki
C. Jensen, S. Senn & R. Jensen
Faith makes all things possible. Hope makes all things work.
Love makes all things beautiful. May you have all three this Christmas!
Page 5
Wilfred A. Peterson
Nineteenth Annual Golf Outing continued
A. Schuettpelz, J. Matravers, P. Schmitz & R. Chambers
G. Gauthier, B. Meyer, D. Van De Hey & P. Van De Hey
D. Stoltenow, S. Reisner, J. Reisner & S. Dobratz
W. Flanery, G. Norton, S. Norton & J. Sheedlo
C. Schuettpelz, S. Schumacher, D. Krautkramer & T. Willems
C. Rusch, B. Bonnin, B. Vanderheiden & J. Schonfeld
Christmas is the perfect time to celebrate the love of God and family and to create memories that will last forever.
Jesus is God’s perfect, indescribable gift. The amazing thing is that not only are we able to receive this gift,
but we are able to share it with others on Christmas and every other day of the year.
Joel Osteen
Page 6
Nineteenth Annual Golf Outing (and Tour) continued
S. Wojcik & C. Nelson
Tour of Sundrop Museum
1st place: T. Haase, S. Hansen, J. Braun, M. Walston w/A. Schuettpelz
Tour of Stone Creations
Kristen Chaudoir at Sundrop Museum
2nd place: J. Sheedlo, S. Norton, G. Norton, W. Flanery w/A. Schuettpelz
I thank God for Christmas. Would that it lasted all year. For on Christmas Eve, and Christmas Day,
all the world is a better place, and men and women are more loveable.
Love itself seeps into every heart, and miracles happen.
Page 7
Peter Marshall
Nineteenth Annual Golf Outing continued
3rd place: K. Casper, G. Kotecki, K. Casper, K. Casper w/A. Schuettpelz
Company Personnel and Information
PERSONNEL
Al Schuettpelz, President & CEO
Renee Wirtz, Vice President - Operations
Chad Schuettpelz, Claims Manager
Josh Schonfeld, Loss Prevention
Tony Willems, Claims/Loss Prevention
Carol Reinhardt, Finance
Wanda McCarthy, Personal Lines Underwriter
Mary Koch, Farm Underwriter
Michelle Ziesmer, Comm. & Pers. Lines Underwriter
Diane Tisch, Receptionist & Claims Assistant
Karen Shehow, Office & Loss Prevention Assistant
E-MAIL ADDRESSES
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
ADDRESS
304 North Rosera (Old Hwy 141)
P.O. Box 59
Lena, WI 54139-0059
WEBSITE
www.maplevalleymutual.com
PHONE NUMBERS
(920) 829-5525 or
800-23MAPLE
Happiness cannot be traveled to, owned, earned, worn or consumed.
Happiness is the spiritual experience of living every minute with love, grace, and gratitude.
Page 8
Denis Waitley
Company Results For First Nine Months
The following are Maple Valley Mutual’s Operating Results for the first nine months as compared to the two previous years:
2016
2015
2014
$ 5,070,102
4,852,735
969,244
3,903,491
$ 4,945,224
4,719,571
985,678
3,733,893
$ 4,838,349
4,604,329
919,732
3,684,597
1,211,843
38,652
1,173,191
1,875,186
171,365
1,703,821
1,729,134
40,624
1,688,510
NET LOSS ADJUSTMENT EXPENSES
379,499
328,561
290,474
OTHER UNDERWRITING EXPENSES
1,499,989
1,358,455
1,345,622
TOTAL LOSSES/EXPENSES INCURRED
3,052,679
3,390,837
3,324,606
NET UNDERWRITING INCOME
850,812
343,056
359,991
INVESTMENT/OTHER INCOME
351,668
376,408
351,783
NET INCOME AFTER TAXES
804,210
502,254
479,634
9,054,751
7,947,634
7,929,559
76.4%
88.8%
88.0%
UNDERWRITING INCOME
Direct premiums written
Premiums earned
Cost of reinsurance
Net premiums earned
LOSSES INCURRED
Losses incurred
Reinsurance recoveries
Net losses incurred
SURPLUS
COMBINED RATIO
David G. Weber’s Parting Thought
“If I had a flower for every time I thought of you,
I could walk through my garden forever.”
Some say those words were written by Tennyson; others say Gandhi. Either way, I’m pretty sure I would have
loved to meet the person who inspired them. Nothing feels better than to be loved, except maybe to be in love.
Life and love are so precious. Don’t ever take either for granted.
People walk into our lives every day. The hard truth is that some of those people will walk right back out. We’ll
think of them, we’ll miss them, we’ll wonder what might have been, but sometimes we just have to let them go.
A special few will leave wrinkles that run deep into the fabric of our hearts - the kind of wrinkles that can never
really be ironed out. For better or for worse, they will always be a part of who we are. It can hurt like heck
when they’re gone, but rather than be sad, we need to be thankful that we were blessed with their companionship
even if just for a blink of an eye.
And as for those who are in our lives today? Let’s not wait another minute to let them know how much we love
and appreciate them.
Have faith. Love deeply. Always, always, always forgive.
God bless,
David G. Weber
Chief Operating Officer
The Association of Mature American Citizens