We are committed to establishing a trusting, personal relationship with you, to periodically reassess your needs, and to explore coverage options as your circumstances change over time.
Robert Beemer, President
Robert Beemer is the principal owner of Combined Insurance Agencies. He earned a Bachelor of Business Administration degree from the University of Michigan. Bob is past president of the SW Michigan Life Underwriters Association and has more than 30 years of experience in the insurance business.
Bob enjoys the insurance business. “We rebuild homes and businesses. We even rebuild entire communities after a natural disaster. Insurance pays medical bills for everything from auto accidents to brain cancer. We pay legal expenses, and we replace lost income for families due to death or disability. Insurance allows people to continue with their lives when bad things happen, so that plans and dreams can still be met. It really is a wonderful financial product and a great industry, that’s why I enjoy my work.”
Bob is a founding member and president of the Deer Creek Open Space Association land conservancy. He is also active in township and homeowner association activities. He is married to Janet and they have three children.
Bruce Owen, Senior Vice President
Co-owner Bruce Owen has over 35 years of experience in the insurance industry. He specializes in personal and commercial lines, as well as life insurance.
His favorite part of being an agent is the different people and personalities he works with daily. As he states, “People are so interesting and so different. I may be talking to an 80 year old in the morning and an 18 year old in the afternoon and I enjoy all ages and hearing their stories. I love talking with clients and finding a way to help make their lives better and safer.”
Bruce has been active in the Coloma area his whole life. He served as the announcer for high school football games for 33 years and is a long time member of the Coloma Lions Club. He has three grown daughters and three grandchildren.
Sharon Kulka, Vice President Operations
Sharon is a Certified Insurance Counselor (CIC) and has worked in the independent insurance agency system for 35 years. As the CIA Operations manager she delivers a culture of professional service. Sharon is a student of the business who enjoys sharing her insurance knowledge and pursuing office system improvements.
Sharon explains, “I love my job. I enjoy helping clients and co-workers find the best way to solve problems. For clients it’s sharing my knowledge of insurance, helping with claims, billing and coverage questions. For staff it’s coaching and mentoring the next generation of insurance professionals. Incorporating the newest technology into our process means we can spend more time helping our clients.”
Originally from Louisville Kentucky, Sharon attended the University of Louisville and moved to southwest Michigan in 2008 with her husband Ned and daughter Mary Helen.
Tony Ventimiglia, Vice President Health Insurance
Tony Ventimiglia grew up in the south Chicago suburb of Oak Forest, IL. He lived in Dallas, Texas and Phoenix, Arizona before moving to southwest Michigan in 2006. He has a Bachelor of Science degree in Industrial Technology from Eastern Illinois University with a minor in Business Administration.
He is Chairman of the Cornerstone Chamber of Commerce Board of Directors and a past President of the local chapter of the National Association of Insurance and Financial Advisors. Tony is married to Anne and they have two children.
Tony specializes in employer-sponsored and individual health, life, medicare, disability and long term care insurance. If he could offer a piece of advice to others it would be “Please make sure you follow the golden rule of insurance…buy it BEFORE you need it. Otherwise, you may not qualify or it will be much more expensive.”
> Learn More … Tony is a Life, Health, Medicare, Disability, Dental, Vision, and Long Term Care Insurance Agent.
Tom Landis, Agent
Tom Landis lived in the Chicago suburbs until he moved to Sister Lakes in 1976. He holds a Bachelors degree in Political Science from the University of Illinois at Urbana- Champaign.
He has over 28 years of experience as an agent in personal and commercial lines of insurance. Tom joined the CIA team in 1989. His favorite aspect of being an insurance agent is educating clients about insurance. He wants his customers to learn that “insurance is not as complicated as people assume.”
Tom is currently a Trustee of Keeler Township and a member of various township boards and commissions. He has been married to Deb for over 18 years and enjoys golfing, biking and working out.
Casey Testini, Agent
Casey Testini grew up in Stevensville and moved back to the area in 2006. She completed a Bachelor of Science in Recreation Management with a minor in Art from Central Michigan University in 2005. She also completed a Master of Arts in Organizational Leadership from Siena Heights University in 2012.
She started with the CIA in 2012 and focuses on personal lines sales. Casey is a past Board Member of the Young Agents Council which is affiliated with the Michigan Association of Insurance Agents. She is active in the community through her church and as a member of the Early Risers BNI Group.
Casey is married with a daughter and two step sons.
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