Our Services :
 Home Health Business Life Auto SeniorsLottery Bonds

Home Insurance:

Your homeowners insurance policy can be designed to cover your special collections, jewelry, furs, silver, money and securities.

You may want to cover your contents for replacement value rather than just actual cash value. Also, because of our rainy spring weather, you definitely need coverage for “back up of sewer drains.”

Complete the questionnaire or call our office and ask for Jenny for a complete review and comparison of your current policy.

Health Insurance :

Health Insurance for the self-employed, unemployed, small group, large group, or working for a company that doesn’t offer health insurance. We have many different health insurance companies that can cover you for a small deductible to a large deductible.

We can help you get insurance even if you are unemployed, student, early retiree, need medicare supplement, or a group.

We use many companies such as Medical Mutual, Humana, Anthem, United Health Care, and Aetna are among the companies that we have.

You are unique, so let us tailor the coverage to your needs. Please feel free to request a personal consultation. All information given is in complete confidence.

Business Insurance :

Do you have questions about your Business Insurance plan? Do you understand your business insurance and the coverage that you bought? Why not call O’Dell Insurance Agency, ask for Debbie or Margot, to request a complete analysis of your current insurance plan and how we can make it better for you.

Life Insurance :

Life Insurance can be used for many things. The easiest to think of life insurance is “money”. Money, that will help finish your plans if you are no longer around.

Life Insurance keeps the business running, keeps your family in their home, and keeps your parents in their later years.

We have many companies that are competitive. Even if you have a medical problem, we have insurance available for you.

Life Insurance makes your families dreams come true, if you die before you can finish the plan. No matter what kind of life insurance you want or need, we can help you. Check out the section under life insurance and complete the section or just call Margot for more information.

Auto Insurance:

Your Auto is one of the most used items you own. Protect your auto and your liability with auto insurance designated for you. Complete the request form and we’ll search our many auto insurance companies and call you or e-mail you. Maybe you want to ask questions of us. Just call us and we will give you any help that you may need.

Senior Section :

LONG TERM CARE COVERAGE :

Long term care was designed for several reasons :

1. PROTECT ASSETS : Long term care should be purchased by people that have a net worth between 100,000 and $ 2 Million. Less will exhaust assets and qualify for Medicaid and more will be able to fund their own care.
2. There are over 100 different policies available - each with different benefits premiums, and underwriting concerns - it pays to comparison shop. Look at a period of reasonable time for the coverage. The national average is 3 years, however we do recommend coverage for at least 5 years.
3. Long term care insurance policies offer you a choice that Medicaid does not. You will have a choice of staying in the home with caregivers coming in, or an adult day care center or a nursing home. You have a greater choice of homes, type of care and level of "extras" that many people want.

   When looking for a long term care policy, consider a 90 day waiting period. One company has the waiting period starting from the first day of "illness" not the first day of nursing home living. Please, please purchase at least 150$ per day with an inflation rider if you are under 75 at the time of purchase; and /or fund the balance with an annuity. (Annuities may be purchased with a long term rider endorsement). Make certain that your company is rated by one of the Insurance Rating Services. One of the toughest rating services is Weiss and if he gives that company an A- or an A or an A+ you 'll know that this company is very sound financially and will be around to pay out claims. Ask how often they have raised their rates. Companies will raise rates usually by age brackets. Find out how this company will change their rates.

   To get complete information on long term care as well as 3-4 quotes with complete information, just complete the attached information page and send to us. We'll get back to you as soon as possible.

   Lottery Bonds:

   Click the following link to fill in and submit our online Lottery Bond Application. Contact us with any questions you may have.

   Download or print your Lottery Bond Application Below,
   Please Fax or Mail Your Application:
   pdf version

   THE SURETY BOND IS NOT AN INSURANCE POLICY!

   An insurance policy is an agreement between the company and the insured that the insured will pay the premium and the company will pay in the event of a covered claim. In a surety bond the person who pays is the principal known as the “insured” who must pay in the event of a loss. This is a fair requirement, because if there is a claim, it will be because the principal has failed to do the things that he “was bonded for”. In a LOTTERY BOND that means the principal didn’t pay the lottery commission when he was suppose to.

   The company must be certain that the lottery agent is financially able to pay any and all losses. In the event of a claim, the bonding company must be certain that they will be able to recover the amount of claim and any legal expense incurred. 

   The company pays the loss when the principal does not and then seeks recovery by alternate means, including but not limited to court judgments, seizing of assets enough to repay the company for the loss and all costs associated with the recovery of the funds. In order to keep our costs low for doing a bond, we require a great deal of information about the person being bonded.

   We need signed and WITNESSED application, full financial information, personal as well as business information. We do run a credit check as well as check on your “strikes” and if you have ever defaulted on your payments to the lottery. Spouses must also sign because personal assets can also be attached. A lottery bond does not cover losses of theft of your tickets. This is usually covered under your Business Owners policy. Theft of money is also not covered.

   THE ONLY THING YOUR BOND DOES IS GUARANTEE YOUR PAYMENT TO THE LOTTERY COMMISSION.