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Best Life Insurance Companies in Toledo, OH

Our Recommended Top 20

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Our goal is to connect people with the best local professionals. We scored Toledo Life Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

13004Reviewed

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20Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

115 N Main St, Bowling Green, OH 43402

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Review Sources

Google
4.3 (13)

Why choose this provider?

Evans Insurance is a full-service independent agency offering its clients a choice in its insurance coverage and rates for more than 15 years. The company represents a selection of reputable carriers, allowing it to offer variety and flexibility with its term,, whole, and universal life insurance plans. Evans Insurance also offers a final expense policy and mortgage protection. Other products provided by Evans Insurance include auto, home, and personal insurance as well as business packages.

7015 Angola Rd, Holland, OH 43528

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Facebook
4.9 (12)

Why choose this provider?

Melissa Southey Insurance provides its clients with a full range of personal and business insurance solutions. The independent life insurance agency near Toledo has established long-term relationships with national and regional carriers to offer its clients the coverage and rate selections that effectively meet their needs. Its individual insurance plans encompass term, whole, and universal policies and are tailored to accommodate specific requirements. The company also offers final expense and mortgage protection insurance as well as fixed annuities.

3344 Secor Rd, Unit A 102, Toledo, OH 43606
WebsiteLicense: 84438

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Review Sources

Google
4.9 (143)

Why choose this provider?

Vince Davis provides State Farm life insurance plans to individuals in Toledo and its surrounding areas. He believes in making insurance understandable and accessible to everyone. Davis and his team analyze each client's insurance and financial services needs. In addition to delivering life insurance, he offers policies for pet, vehicle, property, and small business owners. Davis has been actively collaborating with community organizations, such as The Boys and Girls Club, Family House, and Pathways.

  • Life Insurance

316 N Michigan St Ste 240, Toledo, OH 43604

Expertise.com Rating

Why choose this provider?

SL & Associates is a life insurance company in Toledo that provides its clients with the financial information they need to make educated decisions about investments and asset protection. One aspect of the company's services is life insurance. The advisory agency works as an independent company partnering with multiple reputable carriers to provide the coverage that aligns with its clients' needs. Its agents offer client consultations to determine whether a term, whole, or universal policy provides the appropriate family and asset protection.

3450 Central Avenue, Toledo, OH 43606
WebsiteLicense: 957651

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Review Sources

Google
3.2 (21)
Facebook
5.0 (9)

Why choose this provider?

Westgate Insurance Agency Inc. is a locally owned and locally operated company that has been serving Toledo and the surrounding areas since 1942. It offers insurance solutions, including term life insurance, permanent life insurance, and annuities. Clients can also take advantage of short-term and long-term disability policies to protect them in case of accidents or unexpected illnesses. Additionally, the company also has personal and business insurance policies ranging from auto and home insurance to general liability and workers' compensation coverage.

  • Individual Plans
  • Life Insurance

414 E Wooster St, Bowling Green, OH 43402

Expertise.com Rating

Why choose this provider?

First Insurance Group is an independent agency offering individual and group health and life insurance plans. Its team works with a variety of reputable carriers to offer its clients plans tailored to meet their needs. Its health coverage options include fee-for-service and managed care selections with supplemental policies, such as dental, vision, Medicare, and long-term care. First Insurance Group also offers comprehensive life insurance products, including term, whole, and universal.

24204 Front St, Grand Rapids, OH 43522

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Review Sources

Google
5.0 (2)

Why choose this provider?

Davis-Peters Insurance has provided personal and business protection for more than 30 years. The independent life insurance company partners with a diverse group of carriers to deliver the flexibility of coverage its clients require. Its agents consult with individuals and assess their financial circumstances and goals to recommend a term, whole, or universal life insurance policy specifically tailored for their situation. Additionally, the company offers supplemental coverage, such as mortgage protection and long-term care benefits.

22 North Erie Street, Toledo, OH 43604
WebsiteLicense: 957718

Expertise.com Rating

Why choose this provider?

Knight Insurance Group is a Toledo-based firm with a history that dates back to 1859. The company works with a wide selection of carriers and deals with a variety of personal and family insurance products, including life, property, vehicle, and theft. It offers many products, such as term, whole, universal, and hybrid policies. It also provides business solutions to help companies manage their risks and protect their assets. These range from property and vehicle to cyber security insurance.

  • Life Insurance

15510 S Telegraph Rd, Monroe, MI 48161

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Review Sources

Google
4.9 (35)

Why choose this provider?

Cuccia Insurance Agency is an independent insurance company that's provided personalized service for more than 21 years. Its long-standing partnerships with national and regional carriers allows the agency to offer coverage and rate options tailored to meet its clients' needs. The company's experienced agents are available to provide insight into term, whole, and universal policy options. They also consult with individuals to evaluate their assets, liabilities, responsibilities, and goals and align the appropriate coverage to protect family and investments.

1856 Holloway Road, Holland, OH 43528
WebsiteLicense: 4373

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Review Sources

Google
4.0 (26)
Facebook
4.0 (25)

Why choose this provider?

The Florian Insurance Agency is a family-owned business serving clients in Toledo and the surrounding areas. The insurance agency has been serving the community for over 100 years, providing individualized insurance plans and quality products. The professionals in this company assist clients in planning and purchasing term, whole, and universal life insurance coverage. They also serve commercial clients, providing general liability and crime insurance. In addition, The Florian Insurance Agency has an office dog named Annie Florian.

  • Life Insurance

2509 W Sylvania Ave Unit 14, Toledo, OH 43613
WebsiteLicense: 18742376

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Review Sources

Google
5.0 (31)
Facebook
5.0 (5)

Why choose this provider?

Paradigm Insurance Company LLC delivers a variety of policies to customers in Toledo. Its options include individual life, fixed annuity, and final expense insurance. The firm provides group plans for entrepreneurs to cover employees' retirement plans, disability, and healthcare costs. The company offers non-life products that indemnify commercial vehicle mishaps, property damage, and workers' compensation claims. Paradigm Insurance Company is an independent agency and is free to choose from multiple providers the insurance solution that best suits its clients.

  • Life Insurance
  • Individual Plans

715 S Coy Rd, Oregon, OH 43616

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Review Sources

Facebook
5.0 (11)
Google
5.0 (8)

Why choose this provider?

Laurie Campos Insurance provides its clients with a wide range of insurance solutions. The independent life insurance agency near Toledo partners with a diverse network of carriers to offer flexibility with coverage and rates. The company's agents evaluate individual circumstances before making recommendations for a term, whole, or universal life insurance plan. They ensure their clients fully understand the differences of each before committing to a particular policy. Laurie Campos Insurance is dedicated to providing maximum family and asset protection.

3005 Douglas Rd, Toledo, OH 43606

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Review Sources

Yelp
5.0 (22)

Why choose this provider?

Family owned and operated since 2005, Mann Insurance Group has delivered quality insurance solutions to families, businesses, and individuals across the United States. With locations in Monclova and Toledo, OH, we specialize in auto, home, business, and life insurance coverage. Our team of knowledgeable insurance professionals is committed to helping you find a policy that fits your needs. We focus on providing personalized attention and award-winning customer service to create an experience that’s difficult to find in today’s market. At Mann Insurance Group, we’ll work with you to ensure that you and those you care about most are protected.

3034 W. Sylvania Avenue, Toledo, OH 43613
WebsiteLicense: 2490117

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Review Sources

Google
5.0 (18)
Facebook
5.0 (11)

Why choose this provider?

Based in Toledo, Regan Insurance Agency is a family-owned independent brokerage that serves individuals, families, and businesses in the metro. It offers life insurance with several plans, including family, annuity, and business. The firm also provides other policies such as auto, homeowners, workers' compensation, and business. As an independent agency, it can shop from multiple companies, including Grange, Progressive, and Encompass, to provide its clients with the most suitable insurance policy. Regan Insurance Agency was founded in 1967.

  • Life Insurance

107 Riley St, Dundee, MI 48131

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Review Sources

Google
5.0 (4)
Facebook
5.0 (3)

Why choose this provider?

Roe Insurance Agency Inc. is an independent insurance company providing its clients with the flexibility to choose the life insurance coverage and rates that meet their needs. As a representative of a variety of top-tier carriers, Roe Insurance Agency offers the ability to offer a variety of term, whole, and universal plans. The company's experienced agents invite questions regarding the differences and benefits of each policy, and they're available to evaluate specific financial situations to align coverage with client goals.

2330 Airport Highway, Toledo, OH 43609
WebsiteLicense: 2920

Expertise.com Rating

Review Sources

Google
4.5 (56)
Facebook
4.4 (12)

Why choose this provider?

Stoner Johnson Insurance Agency, Inc., is a Toledo-based firm serving clients throughout the area. It deals with personal insurance products and sets up life policies. The agency guides clients on issues involving policy renewals and changes, as well as claims. It also provides business insurance solutions covering liability, auto, or tool-related costs. It has experience setting up insurance for churches and auto repair shops. The agency has been in the industry since 1952. It represents different firms, including Progressive and Grange Insurance.

  • Life Insurance
  • Individual Plans

310 W. Laskey Rd., Toledo, OH 43612
WebsiteLicense: 816932

Expertise.com Rating

Why choose this provider?

E. Mann Insurance Services has been serving the life insurance needs of clients in Toledo and its surrounding communities since 2007. The agency represents multiple insurance companies that provide personal insurance packages, and its agents educate individual clients about purchasing life insurance policies that will provide coverage for their families in case of untimely deaths. The agency offers other types of insurance such as dental, vision, health, Medicare, and accident plans. It can also develop employee benefits packages for business owners or employers.

  • Life Insurance
  • Health Insurance

1755 Indian Wood Cir Ste 200, Maumee, OH 43537

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Beacon Associates offers a full range of health insurance and retirement planning options. The independent health insurance company near Toledo partners with a diverse group of reputable carriers to offer its clients a full range of coverage and rate options. Its team evaluates each situation to secure its clients coverage with the appropriate fee-for-service or managed care policy. It also ensures they receive the necessary supplemental plans, such as Medicare, dental, vision, and long-term care.

3454 Oak Alley Court, Toledo, OH 43606
WebsiteLicense: 1032169

Expertise.com Rating

Review Sources

Google
4.0 (112)
Facebook
5.0 (16)

Why choose this provider?

Gus Badra Agency is an independent insurance agency that has been serving clients in Toledo since 2004. It represents carriers such as Progressive, Nationwide, Travelers, and The Hanover Insurance Group and offers term, whole, simplified issue, and indexed universal life insurance plans as well as long-term care and disability insurance. The company also provides auto, home, and business insurance, and employee benefits including group life and health insurance. Owner Gus Badra and his team have been commended by their previous clients for being helpful in providing their services.

  • Group Plans
  • Life Insurance

5660 Southwyck Blvd Suite 200A, Toledo, OH 43614
WebsiteLicense: 1230297

Expertise.com Rating

Review Sources

Google
5.0 (98)
Facebook
5.0 (32)

Why choose this provider?

Fuller & Sons Insurance Agency is a locally owned and operated business that has been operating in Toledo since 1982. It offers individual life insurance plans that can be identified as term, whole, universal, and variable policies. A combination of life and disability insurance policies is also available. With 50 years of combined experience, its team of independent agents helps clients in determining their needs and options when considering to utilize their life insurance for financial planning purposes like funding their children's education or continuation of a business.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Evans Insurance
115 N Main St, Bowling Green, OH 43402
Melissa Southey Insurance
7015 Angola Rd, Holland, OH 43528
Vince Davis
3344 Secor Rd, Unit A 102, Toledo, OH 43606
SL & Associates
316 N Michigan St Ste 240, Toledo, OH 43604
Westgate Insurance Agency Inc.
3450 Central Avenue, Toledo, OH 43606
First Insurance Group
414 E Wooster St, Bowling Green, OH 43402
Davis-Peters Insurance
24204 Front St, Grand Rapids, OH 43522
Knight Insurance Group
22 North Erie Street, Toledo, OH 43604
Cuccia Insurance Agency
15510 S Telegraph Rd, Monroe, MI 48161
The Florian Insurance Agency
1856 Holloway Road, Holland, OH 43528
Paradigm Insurance Company LLC
2509 W Sylvania Ave Unit 14, Toledo, OH 43613
Laurie Campos Insurance
715 S Coy Rd, Oregon, OH 43616
Mann Insurance Group
3005 Douglas Rd, Toledo, OH 43606
Regan Insurance Agency
3034 W. Sylvania Avenue, Toledo, OH 43613
Roe Insurance Agency, Inc.
107 Riley St, Dundee, MI 48131
Stoner Johnson Insurance Agency, Inc.
2330 Airport Highway, Toledo, OH 43609
E. Mann Insurance Services
310 W. Laskey Rd., Toledo, OH 43612
Beacon Associates
1755 Indian Wood Cir Ste 200, Maumee, OH 43537
Gus Badra Agency
3454 Oak Alley Court, Toledo, OH 43606
Fuller & Sons Insurance Agency
5660 Southwyck Blvd Suite 200A, Toledo, OH 43614

FAQs

  • How do life insurance annuities work in Toledo?

    A life insurance annuity is an investment that may be used to augment retirement income; it can be purchased through either installments or a single lump sum payment on deposit, which will accrue interest at a guaranteed return rate. In addition to being shielded from market fluctuations, the annuity is tax-deferred. When the annuitization date is reached, benefits may be received and continue until the annuitization end term or until the annuitant's death.

  • Can you designate a minor as the beneficiary in life insurance in Toledo?

    Minors can be life insurance beneficiaries in Toledo, but they are legally restricted from receiving the funds until they come of age. The benefits can be held in a special account until the child reaches adulthood. Alternatively, the court may appoint a guardian to manage the funds on the child's behalf, which can be a protracted process requiring multiple court appearances. To avoid such legal complications, policyholders may opt to assign a reliable trustee for the benefit of the minor.

  • Should you disclose a pre-existing medical condition when applying for life insurance in Toledo?

    Yes. Disclosing your pre-existing medical condition to your life insurance carrier in Toledo is crucial to avoid potential claim denials. During the application process, you will be required to provide an in-depth medical history. The insurer will utilize the record as one of the factors to gauge your risk level and ascertain your eligibility for coverage. If you are deemed to be at a greater risk, the insurer may opt to decline coverage or offer a higher premium.

  • Can you claim term life insurance in Toledo while alive?

    Yes. There are a few ways for Toledo policyholders to access their life insurance benefits while they are still living, including forgoing accelerated death benefits for a terminally ill patient, taking out a loan on the plan, surrendering the policy, and selling the insurance in exchange for cash value. To increase the amount accessible to policyholders over their lifetimes, some insurers allow clients to pay excess of their average premiums.

  • Can the insured waive payment to their life insurance premiums in Toledo?

    Yes, you can if they acquire a waiver of premium rider, an optional endorsement to your life insurance policy in Toledo, which will allow you to waive payment on your premiums in the event of critical illness or disability rendering you unable to work. The inclusion of this rider in your insurance policy will guarantee that your coverage continues in effect and uninterrupted, even in the absence of further payments.

  • Which is better, term or whole life insurance?

    Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

  • How much life insurance do I need?

    A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

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