Expertise.com

2024

Last updated:

Best Life Insurance Companies in Cincinnati

Our Recommended Top 18

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Cincinnati 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.

14779Reviewed

8874Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
8109 Alexandria Pike Ste 11, Alexandria, KY 41001

Why choose this provider?

Jami Anna Insurance is an independent agency partnering with a number of A-level providers to offer its clients the most comprehensive services. The company's agents assist clients with choosing the most effective individual life insurance for their current circumstances and future goals. Choosing between term, whole, and universal options, agents help individuals evaluate their expenses, earning potential, and family obligations, such as children's college funds. Additionally, they work through the necessity of business and estate protection.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (104)
Facebook
5.0 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
615 Elsinore Pl Ste 310, Cincinnati, OH 45202

Why choose this provider?

Camargo Insurance is an independent life insurance agency in Cincinnati that's offered a variety of coverage options for more than 60 years. Its individual life insurance plans are customized to meet the clients' needs. The company's agents assist with determining the most effective program, including term, whole, and universal coverage. Its agents assess specific criteria, such as age and health, combining that information with unique goals and outcomes to ensure family members and assets are protected.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Yelp
5.0 / 5 (22)
Facebook
4.4 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
45 W Main St, Batavia, OH 45103

Why choose this provider?

Kramer-Myers & Werring-Dickerson Insurance has provided clients with investment and insurance solutions since 1960. The company works with a number of reputable insurance companies to provide the most effective options for individual circumstances. When comparing life insurance policies, its agents gather comprehensive information about the insured's requirements and goals. They define the distinction between term and permanent life insurance and evaluate the family circumstances as well as earning potential and debt.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (22)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5932 Glenway Avenue, Cincinnati, OH 45238
  • Life Insurance

Why choose this provider?

Dabbelt Insurance is an independent agency that has been serving the greater Cincinnati area since 1948. It offers several personal and commercial insurance products, ranging from life and health insurance to commercial property insurance from carriers such as Erie Insurance and the Foremost Insurance Group. The agency's life insurance policies include term, universal, whole life, and children's life insurance. Timothy Dabbelt, one of its agents, holds the certified insurance counselor destination from The National Alliance.

License Verified:

License: 41993

Ohio Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.6 / 5 (39)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7249 Beechmont Ave, Cincinnati, OH 45230
  • Life Insurance
  • Health Insurance

Why choose this provider?

The Brodbeck Porter Insurance Agency secures the properties and future of clients in Cincinnati and the surrounding areas. It provides a variety of insurance products, including ones for life, health, business, and homeowners. It also offers other options such as classic vehicle, boat, wedding, and pet insurances. The independent company works with over 15 insurance carriers to meet the different needs of clients. The Brodbeck Porter Insurance Agency has been operating for more than 30 years.

License Verified:

License: 5250127

Ohio Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (31)
Google
4.7 / 5 (15)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5670 Cheviot Road, Cincinnati, OH 45247
  • Life Insurance

Why choose this provider?

Huesman Schmid Insurance Agency works with multiple carriers to provide life insurance options in Cincinnati. Its agents educate individuals about the benefits of life insurance policies, which include payments for final expenses, charitable contributions, and accumulated cash values. They help clients understand and select from the two types of life insurance plans, namely, whole and term policies. A family business, Huesman Schmid Insurance Agency has been in the industry since 1975. It also carries auto, renters, and homeowners' insurance.

License Verified:

License: 1337

Ohio Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.3 / 5 (12)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Cincinnati, OH
  • Whole Life Insurance
  • Term Life Insurance

Why choose this provider?

Novello & Associates provides clients with options that secure their properties and futures in Cincinnati and the surrounding areas. It offers multiple kinds of insurance products, including life, long-term care, and disability. It also helps with other concerns such as buy/sell agreements, split-dollar arrangements, deferred compensation, and worksite benefits. Novello & Associates has been serving individuals and business owners for more than 10 years. Its owner, Joe Novello, is a National Association of Health Underwriters member.

License Verified:

License: 80406

Ohio Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Website
3356 North Bend Rd, Cincinnati, OH 45239
  • Life Insurance

Why choose this provider?

Founded in 1989, Dwyer Insurance is a full-service agency that offers financial investment solutions in the Cincinnati metro. It caters to families and individuals who want to obtain life insurance plans. The independent company crafts personalized coverage to protect policyholders and their families from financial losses caused by income loss, mortgage debts, and unexpected death. Its agents also provide auto, home, and business insurance. One of the company's agents, Lori Caldwell, joined the firm in 2000. She is a Certified Insurance Counselor

License Verified:

License: 1287

Ohio Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.9 / 5 (105)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4009 Erie Court, Cincinnati, OH 45227
  • Life Insurance
  • Health Insurance

Why choose this provider?

Hauser Insurance is a Cincinnati-based independent agency assisting individuals, families, and businesses for three generations now. It offers a wide range of life insurance products, including fixed annuities, final expense, mortgage protection, and individual policies. Its team helps clients in making informed decisions about their coverage needs by determining their objectives and preferences. The agency also provides auto, home, and health insurance. Its website contains a list of emergency contacts of its agents for support after business hours.

License Verified:

License: 1548

Ohio Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (51)
Facebook
5.0 / 5 (2)

Website
3540 Blue Rock Road Suite 7, Cincinnati, OH 45239
  • Life Insurance

Why choose this provider?

RJL Insurance Group is an independent agency that provides comprehensive products to help individual, family, and business clients in Cincinnati prepare for the unexpected. Its personal insurance products include individual life, home, and auto. The agency offers life insurance products to policy buyers who want coverage for funeral costs, outstanding debts, and support for the retirement of their surviving spouse or their children's education after they have passed away. RJL is affiliated with several institutions, including RetireMEDiQ and Nationwide Mutual Insurance Company.

License Verified:

License: 979877

Ohio Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (15)
Google
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
417 Anderson Ferry Rd, Cincinnati, OH 45238
  • Life Insurance

Why choose this provider?

Greater Cincinnati Insurance Services provides life insurance policies for clients based in Cincinnati. With almost a decade of experience in the industry, the company collaborates with insurance carriers such as Nationwide, Stillwater Insurance Group, NatGen Premier, Grange Insurance, and The Hanover Insurance Group to provide customers with several options for their insurance needs. It also offers insurance policies that cover automobiles, motorcycles, recreational vehicles, and real estate properties, as well as those catering to renters, homeowners, and businesses.

License Verified:

License: 36953

Ohio Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.5 / 5 (35)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1551 Marlowe Ave, Cincinnati, OH 45224
  • Life Insurance

Why choose this provider?

Travis Lampke provides real estate services to clients in Cincinnati and the surrounding areas. He assists clients who are looking for comprehensive life insurance policies. Lampke also serves individuals looking for homeowners', auto, motorcycle and boat, and business insurance. He extends his services to clients living in Indiana and Kentucky. Lampke utilizes his professional network to help clients find policies that suit their needs best. He is an affiliate of State Farm, a company offering insurance solutions since 1922.

License Verified:

License: 1229631

Ohio Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.7 / 5 (43)
Facebook
5.0 / 5 (7)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
9600 Colerain Ave Ste 200, Cincinnati, OH 45251
  • Life Insurance

Why choose this provider?

Matt Deck Insurance Agency is an independent firm serving private and commercial clients in Cincinnati. It offers term and permanent life insurance plans that may be used in the future for income replacement, estate planning, burial costs, and charitable contributions. The company also has risk management solutions to protect vehicles, homes, and personal belongings. Additionally, it assists with business owners' policies. The agency has been in the industry for over 12 years. It represents several regional and national insurance carriers.

License Verified:

License: 730796

Ohio Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (26)
Facebook
5.0 / 5 (10)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1248 Springfield Pike, Wyoming, OH 45215
  • Life Insurance

Why choose this provider?

Ted Marty & Associates is an independent agency that handles the insurance needs of individuals and families based in the Cincinnati area. It provides life insurance plans that protect clients' families from the unexpected. Its insurance agents offer term life policies that give protection for a specific time. They also have whole life or universal life insurance plans that have the benefit of accumulating cash value, which clients can use to borrow in case of an emergency.

License Verified:

License: 1238

Ohio Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1209 East Second St., Franklin, OH 45005
  • Life Insurance
  • Home and Auto Insurance

Why choose this provider?

Shop Once Insurance has been providing financial investment solutions in the Cincinnati metro for over 25 years. It caters to families and individuals who want to acquire personal insurance plans. The independent company assists clients in obtaining life policies that can provide financial protection in case of unexpected death. It also offers umbrella, flood, homeowners', condominium, general and excess liability and errors and omissions insurance. Shop Once Insurance's team has more than 80 years of combined industry experience.

License Verified:

License: 2427166

Ohio Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (87)
Facebook
5.0 / 5 (60)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5310 Glenway Ave., Cincinnati, OH 45238
  • Life Insurance
  • Term Life Insurance

Why choose this provider?

Zinser Insurance Agency LLC is an agency that has been serving Cincinnati individuals, families, and businesses since 1949. It helps clients in securing their futures by offering term life insurance policies from the different carriers it represents. Its team assists in identifying applicants' existing needs and circumstances while assembling customized insurance plans. The agency is available 24/7 to policyholders for one-on-one help with insurance needs. It partners with professionals from various industries, including restaurants, retail and merchants, and building and construction.

License Verified:

License: 39839

Ohio Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (20)
Facebook
4.3 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7430 US 42 Suite 207, Florence, KY 41042
  • Life Insurance

Why choose this provider?

Garner Insurance is a firm that serves Cincinnati-based clients. It offers life insurance services and helps families and individuals plan for their future such as universal, term, whole, annuities, and variable (life and annuities) insurance. In addition, the firm handles auto insurance, commercial insurance, and homeowners' insurance services. Garner Insurance is a member of the PIA of Ohio. Its owner, Jim Garner, is a Chartered Property Casualty Underwriter and a Certified Insurance Counselor. He has more than 30 years of experience in the industry.

License Verified:

License: 41565

Ohio Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (43)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
9200 Montgomery Rd 19A, Cincinnati, OH 45242
  • Individual Plans

Why choose this provider?

Wilson Insurance Group is a family-owned, independently operated agency serving clients across Cincinnati. The company tailors life insurance for individuals, including permanent and term policies. It also arranges group life insurance products, helping business owners protect their employees. Firm president Hop Wilson started his company by knocking on doors and cold calling physicians. Over 30 years have passed, and he continues to provide insurance solutions to thousands of individuals and hundreds of businesses across the tri-state area.

License Verified:

License: 3624

Ohio Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (38)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
––

FAQs

  • Who needs life insurance in Cincinnati?

    In Cincinnati, everyone is encouraged to purchase life insurance to protect themselves from financial losses in case of unforeseen events, like unexpected death or loss of work. This type of insurance can provide funds to help individuals maintain the same standard of living or pay off student loans or other debts. It also covers federal estate and state inheritance taxes.

  • If you are covered by your employer in Cincinnati, do you need to purchase life insurance?

    No, you do not have to purchase life insurance if you are already covered by your employer. However, if your workplace funds your life insurance, the policy ends once you leave your job. You may qualify for less insurance coverage that might not be enough for your needs and lifestyle.

  • How much life insurance do Cincinnati individuals need?

    It depends on the situation. Individuals in Cincinnati must consider several factors when determining the amount of their life insurance. They must assess the types of debts or other expenses they need to pay when they pass away. The amount also depends if they have credit card or car loan balances, probate charges, and existing insurance policies.

  • In Cincinnati, is it worth getting life insurance during your 20s?

    Yes, getting life insurance in Cincinnati during your 20s can help you protect your loved ones from financial losses in case of your passing. It also helps you prepare for your future and save money because life insurance is less expensive if you purchase it at a younger age. It can also help you save for your retirement because it can grow over time.

  • What factors affect life insurance costs in Cincinnati?

    Life insurance costs in Cincinnati depend on individuals' type of insurance policies. They may choose between term and whole life insurance. The insurance cost also depends on their age, gender, health, occupation, and death benefit amount. Individuals who use tobacco may pay higher premiums because they are more vulnerable to health problems.

  • 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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