Personal Insurance


It may be the American dream, but owning a home can quickly turn into a nightmare with a single accident or act of nature. While we can’t control the weather, we can help match you with an insurance policy that brings peace of mind during the good times and ample protection during the challenging ones.

Our independent agency offers insurance coverage for:

  • Primary residences and outbuildings
  • Vacation homes
  • Rental properties
  • Renters insurance for personal belongings

Whether you’re downsizing to a condo, upgrading to a larger home or sending a young adult off to college, we can match you with the right coverage at the right price. While you’re at it, experience the savings and convenience of partnering with one agency for all your insurance needs. Contact us today for a free insurance assessment and quote.


The simple truth about auto insurance is that it usually comes to mind on two occasions: when we buy it and when we need to use it. Do you have the coverage and deductible that’s right for you? Maybe it’s time to take another look. Are you purchasing coverage for the first time? We can help you get it right.

Our independent agency offers insurance coverage for:

  • Cars and trucks
  • Recreational vehicles
  • Boats
  • Motorcycles
  • Cargo trailers and accessories

Being an independent agency means we work with a variety of carriers. What does that mean for you? Choice—in coverage and pricing—that you won’t always find with other agencies. Contact us for a free assessment and quote on auto insurance.

“Ohio Gas appreciates the relationship with Andres O’Neil & Lowe. AOL serves more as a risk manager than just an insurance broker.”

Kim Watkins, Ohio Gas Company


Although death is a fact of life, it’s one many fail to plan for. Having a life insurance policy not only provides peace of mind during your lifetime, it will provide protection for your loved ones and family members in the event of your passing.

If others depend on you for financial support, part of your financial plan should include how you will provide for them in the event of your death. Purchasing a life insurance policy is a safety net that ensures your loved ones’ future financial obligations are met.

Think you don’t need life insurance? Think again.

I’m single, so I don’t have a family to take care of.
Life insurance can be used for funeral expenses and to pay off debts, relieving your loved ones of the financial burden.

I’m young, so I don’t need it now.
When you’re young, life insurance is more affordable. Anything can happen at any time, and purchasing a policy now will protect your family from the unexpected.

My spouse is the primary breadwinner, so my income won’t need to be replaced.
Although it may not be essential to replace your income, your spouse may need help with childcare, housework and more.

We’re financially stable and have ample savings for the unexpected.
Have you factored in estate taxes? Certain policies can help protect assets and retirement funds.

Life Insurance Options

Term Life Insurance

Just as its name implies, term life insurance covers you for a specific period of time, or term, that you choose. Since it offers a death benefit but no cash value, term life insurance is an inexpensive way to protect your beneficiaries for a specified period of time.

Term life insurance is ideal for those who have a temporary need for protection, for those who need a large amount of insurance protection but have limited cash, or for those with specific business needs, such as additional coverage for a key employee.

Renewal term life insurance can be renewed at the end of the term, at the option of the policyholder and without evidence of insurability, for a limited number of successive terms. It can also be converted, or exchanged for a permanent insurance policy, without evidence of insurability down the road.

Once your term expires, so does your coverage. With term life insurance, rates generally increase with age.

Whole Life Insurance

Whole life is the most basic type of permanent life insurance. It provides coverage that lasts a lifetime and also builds up a cash value that you can borrow against, withdraw or use to pay future premiums.

A life insurance policy with a cash value is ideal for those who have a lifetime need for insurance protection, prefer stable premiums over the life of the policy, want a policy that allows them to build tax-deferred values, and value the high degree of coverage the policy affords. While rates for a whole life insurance policy remain stable over the life of the policy, premiums are initially costlier than for term insurance.

Whether you’re a young professional or retired couple, we’re here to help with life insurance that meets your needs and protects your future. Contact us for a free assessment and quote.


Finding the healthcare coverage you need at a price that fits your budget can be tough. Factor in changing regulations and a shifting marketplace, and it’s even tougher. Our agents are here to help you navigate, every step of the way.

Our full-service agency offers:

  • Individual & family health insurance plans
  • Carrier evaluation and negotiation
  • Cost control planning
  • Long-term care coverage
  • Medicare supplemental insurance

All of our offerings are backed by experienced agents and a team of professionals who are committed to finding answers when you need them.

Our agency has been securing futures for over 90 years. Let us put that experience to work for your individual or family health insurance needs. Contact us today for a free assessment.


Home insurance? Check. Auto insurance? Check. Life insurance? Check. Complete coverage? Not quite. For many individuals and families, a personal umbrella policy provides the extra layer of protection needed for complete coverage.

What is an umbrella policy?
It’s a policy that provides expanded coverage—over and above your other policies—to protect people and assets.

Who needs an umbrella policy?
There isn’t a one size fits all answer. You may be a good candidate if you have a pool, a teen driver or if you frequently entertain.

Why have an umbrella policy?
An umbrella policy picks up where other coverage leaves off. Without it, anything beyond your primary coverage would come from your pocket. With it, you have additional dollars available.

Our local, experienced agents can help determine if an umbrella policy is right for you. We’re here to learn about your individual needs and risks, making a personalized recommendation. Contact us today to get started.

“I have had the pleasure of working with both Theresa, and Eddie on insurance policies for both personal and business. They answered any questions I had and were very professional. I would highly recommend them to anyone.”

Jacki Kuehne