Expertise.com

2024

Last updated:

Best Life Insurance Companies in Cleveland

Our Recommended Top 17

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 Cleveland 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.

19225Reviewed

11541Curated

17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
15444 St. Clair Ave., Cleveland, OH 44110
  • Life Insurance

Why choose this provider?

The Morrow Group & Company is an insurance brokerage that has been operating in Cleveland since 2017. It offers life insurance policies for individuals who want to establish financial security for their families. Its team partners with multiple insurance carriers—including All Risks, Take1 Insurance, and Burns & Wilcox—to provide customized solutions. The agency's founder, Diauntae Morrow, has extensive experience in handling personal and commercial lines of insurance. He serves as the vice president of the National African American Insurance Association.

License Verified:

License: 1153796

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 (43)
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
6701 Rockside Rd Ste 290, Independence, OH 44131

Why choose this provider?

William Isaac Insurance Agency has been a family-owned and operated agency for more than 60 years. The life insurance company near Cleveland offers its clients options regarding whole and term policies. Its whole or universal life insurance provides tax-deferred cash-building value that guarantees death benefits for the life of the policy. The company's term insurance delivers coverage for a specific time period and helps maintain future expenses. The real-time option allows the insured to streamline the application process.

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 (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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
Corporate Plaza 1, 6450 Rockside Woods Blvd. South, Suite #140, Independence, OH 44131
  • Life Insurance
  • Health Insurance

Why choose this provider?

The H.C. Murray Group is a firm that offers insurance policies to clients in Cleveland and nearby areas. The company's products protect beneficiaries financially after a policyholder's death. Clients can get compensation for funeral expenses, outstanding debts, and future costs like college tuition. The firm also offers health insurance to cover medical treatments, hospitalization, and medication. Founder and president Hoyt Murray is a Chartered Financial Consultant with more than 35 years of industry experience.

License Verified:

License: 13221

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 (9)
Google
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3500 Lorain Avenue Suite 502, Cleveland, OH 44113
  • Life Insurance

Why choose this provider?

Ryan Flynn is a State Farm insurance agent who serves customers in Cleveland. He provides a broad range of life insurance plans, including term life, whole life, and universal life products. He offers term insurance plans that deliver death protection for a specific time frame. Flynn recommends this type of insurance for clients' short-term goals, such as college tuition or loan payment. The agent's whole life and universal life plans ensure lifelong protection for policyholders.

License Verified:

License: 1332500

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

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
7227 Chagrin Rd, Chagrin Falls, OH 44023
  • Life Insurance
  • Individual Plans

Why choose this provider?

Lyndall Insurance is an independent, family-owned agency that serves customers in Cleveland and the surrounding areas. Its team of agents offers a variety of personal lines insurance products, including life policies. They help clients choose whether a term or permanent life coverage is best for their needs. In addition, its staff members handle coverages for homeowners, renters, automobiles, and recreational vehicles. They also provide risk management solutions to big and small companies. Lyndall Insurance has been operating since 1971.

License Verified:

License: 819

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
5.0 / 5 (60)
Facebook
3.9 / 5 (13)

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
7050 Engle Road, Suite 101, Middleburg Heights, OH 44130
  • Life Insurance

Why choose this provider?

EZ2Insure is an agency serving Cleveland and its surrounding communities. It helps individuals in preventing certain financial risks by offering term and whole life insurance policies. Investments for child life insurance policies are available which provide financial aid for medical costs due to critical illness, disability, or accidental death. Its team of independent agents conducts discussions with clients to take into consideration such life insurance options. The agency also presents insurance coverages for homes, businesses, and automobiles.

License Verified:

License: 1020272

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 (19)
Google
5.0 / 5 (7)

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
902 Westpoint Pkwy Ste 300, Westlake, OH 44145

Why choose this provider?

Founded in 1983, Katzbach Insurance Agency offers life insurance policies to clients in the Cleveland area. The locally-owned independent agency partners with a range of leading insurance providers, including Liberty Mutual, Progressive, and Foremost. Its agents consult with clients to determine their needs and provide them with the life insurance policy that most closely fits their financial and lifestyle goals at the most competitive rates. Katzbach Insurance Agency also services homeowners and automotive insurance policies.

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

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
735 Beta Dr, Cleveland, OH 44143

Why choose this provider?

Lake Shore Insurance Agency provides comprehensive insurance solutions. The life insurance company in Cleveland helps clients determine whether term, whole, or universal life insurance best meets their needs. Its agents evaluate the insured's age and health as well as earnings, debts, and beneficiaries to match the policy choices with client goals. Lake Shore Insurance Agency also assists employers with navigating the health care process, so they can deliver the most effective benefits for their employees.

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
4.8 / 5 (21)

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
5634 Broadway Ave, Cleveland, OH 44127
  • Life Insurance
  • Personal Insurance

Why choose this provider?

Agency Associates is an independent company serving individuals and families in the Cleveland metro and the surrounding communities. It offers a selection of personal lines of insurance, including life policies. The full-service agency assists clients in obtaining universal, whole, term, annuities, and easy issue life coverages. Its specialists also provide other personal and business plans, including health, home, auto, general liability, and commercial umbrella insurance. Agency Associates represents various carriers, such as Progressive, Nationwide, Travelers, and Encompass.

License Verified:

License: 969966

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 (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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
7379 Pearl Road, Middleburg Heights, OH 44130
  • Health Insurance

Why choose this provider?

Machor Sage Insurance Agency, Inc., serves individuals, families, and businesses in Cleveland and the surrounding areas. It provides personal and commercial insurance coverages. It offers options for life insurance policies, including individual, group, long-term care, disability, and mortgage protection coverages. It also handles requests for homeowners', health, auto, recreational vehicle, special event, and business insurance policies. Machor Sage Insurance Agency is a second-generation family-owned company that operates with over 35 years of experience.

License Verified:

License: 1144

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

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
6690 Beta Drive, Mayfield, OH 44143
  • Life Insurance
  • Health Insurance

Why choose this provider?

Opened in 1987, Cunix Insurance Services is an insurance agency that serves clients in Cleveland and the surrounding areas. It was founded by Dave Cunix who has worked as an insurance agent for over 40 years. His company offers insurance products that include health, disability, and life to people of all ages and small businesses. It has a variety of life insurance policies that will cater to clients' needs. Coverage is available through various carriers such as Fidelity Life, Prudential, and Genworth Financial. Cunix Insurance Services is a member of the Northeast Ohio Health Underwriters Association.

License Verified:

License: 24765

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 (3)
Facebook
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
1500 Chester Ave., Cleveland, OH 44114
  • Life Insurance

Why choose this provider?

J.L. Thomas & Company, Inc., is a family-owned brokerage firm that extends its services to Cleveland. Its team provides life insurance policies to improve clients' financial portfolios. It also recommends other financial planning vehicles, including annuities, long-term care, and disability insurance. To deliver the needs of its clients, it has partnered with more than 25 carriers, allowing it to propose multiple products to choose from. Since its inception in 1971, the agency has already handled 65,000 policies and cases.

License Verified:

License: 1603

Ohio Department of Insurance

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
12300 Lorain Rd, Cleveland, OH 44111
  • Life Insurance

Why choose this provider?

Joe Potts Insurance Agency LLC is a full-service company serving families and business owners in the Cleveland metro and nearby areas. It offers life insurance which includes term and permanent coverages. These insurance policies protect policyholders from financial losses caused by mortgages and other debts. The agency also provides homeowners', renters', automobile, workers' compensation, and general liability insurance. It represents multiple carriers, including Liberty Mutual and Progressive. Joe Potts Insurance Agency has been in the industry for over 20 years.

License Verified:

License: 1229223

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.
4.2
Google
4.3 / 5 (40)

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.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
401 Euclid Avenue Suite 41, Cleveland, OH 44114
  • Life Insurance
  • Health Insurance

Why choose this provider?

Brian Krause is a State Farm insurance agent that provides insurance services to clients in Cleveland, the downtown community, and the surrounding areas. He offers life insurance policies, as well as auto, home, property, business, health, and pet insurance. He also offers banking products to his clients. Krause has been a long-time resident of Cleveland and is active in the community to better ensure that he provides services responsive to the needs of policyholders.

License Verified:

License: 729382

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
4.8 / 5 (30)
Facebook
5.0 / 5 (9)

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
2084 Noble Road Ste B,, East Cleveland, OH 44112

Why choose this provider?

Founded in 1995, Rutledge Group is an independent life insurance company in Cleveland. Its team works with clients to ensure their beneficiaries are properly covered in the event of an untimely death. They evaluate the insured's personal information and goals and match them with the appropriate carrier. Rutledge Group also offers a variety of business insurance services, including employee health benefits. It represents a variety of companies to provide health insurance, health savings accounts, and short- and long-term disability coverage.

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.
4.0
Google
4.0 / 5 (14)

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
7252 Broadview Rd, Parma, OH 44134

Why choose this provider?

Vince Hrobat Insurance Agency Inc. provides life and health insurance policies to clients in the Cleveland area. The firm offers clients a variety of custom life insurance policies tailored to fit their needs. As an independent agency, it is able to offer health insurance coverage and plans from a range of health insurance providers. Vince Hrobat Insurance Agency also provides group health insurance for commercial clients as well as Medicare Supplement plans for individuals.

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
Facebook
4.9 / 5 (5)
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
900 E Broad St, Elyria, OH 44035

Why choose this provider?

Schlather Insurance Agency Inc. is an insurance agency that has been offering life and health insurance to individuals and businesses in the Cleveland area for over 70 years. The company identifies the optimal life insurance policies for clients based on lifestyle and coverage needs. For health insurance, its agents assist clients seeking individual or group plans. Schlather Insurance Agency Inc. also offers Medicare plans for clients under the age of 65 as well as disability plans.

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 (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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • How can Cleveland residents locate a potentially misplaced life insurance policy?

    Cleveland residents looking to trace a lost life insurance policy should start by gathering all pertinent documents. The National Association of Insurance Commissioners provides a national policy finder to assist. If the finder yields no results, they can inspect personal storage like files and safety deposit boxes. Additionally, evaluating address books, bank statements, or prior tax returns might provide clues. Connecting with their auto or home insurance agents can also offer insights.

  • Are life insurance payouts and withdrawals tax-free for Cleveland residents?

    In Cleveland, while beneficiaries receive life insurance proceeds without tax implications, withdrawing from the cash value of permanent life policies has tax considerations. For instance, capital gains from variable universal life policies face taxation, but the premiums paid don't. Before tapping into the cash value, either through withdrawal or loans, residents should consult their insurance company to discern taxable amounts from the non-taxable portions.

  • How swiftly can life insurance claims be processed after presenting a valid death certificate in Cleveland?

    Once an insurance company receives a legitimate death certificate, the majority of life insurance claims are settled within a 10-day window. Beneficiaries in Cleveland are given the assured death benefit, which is a tax-exempt sum mirroring the policy's face value, minus any debts linked to the policy, as long as the policyholder maintains up-to-date premium payments.

  • Can Cleveland residents sell their life insurance policy if they no longer need it?

    Cleveland residents can opt to sell their life insurance through a process termed a "viatical" if they're facing chronic or terminal illness, or a "life settlement" if they're not. Life settlement firms assess one's age, health, and policy type, usually offering a sum surpassing the policy's cash surrender value. The buyer then shoulders premium payments, ultimately gaining the policy's benefits upon the original owner's demise. The Ohio Department of Insurance oversees these transactions.

  • Is it feasible for Cleveland residents to name a minor as the primary beneficiary on their life insurance policy?

    Policyholders in Cleveland can indeed appoint minors as primary beneficiaries on life insurance, but it's crucial to appoint a legal guardian or custodian to oversee the funds until the minor is of age. Establishing a trust is a popular method to direct fund usage for the minor's benefit, overseen by a trustee. Given jurisdictional variances, understanding local laws and possibly seeking court approval is vital.

  • 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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