Expertise.com
2024

Last updated:

Best Life Insurance Companies in Dayton

Our Recommended Top 19

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 Dayton 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.

6847

Reviewed

4115

Curated

19

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
7540 Slate Ridge Boulevard, Dayton, OH 43068
  • Life Insurance
  • Health Insurance
  • Long Term Care

Why choose this provider?

Reidel Insurance Agency, Inc., delivers personal and business insurance solutions to clients in Dayton and neighboring areas. The independent agency provides life insurance options that include whole life insurance and term life insurance. It offers policies for health insurance and disability insurance. Representing different insurance companies, the firm helps clients obtain policies that protect their properties, businesses, and assets. Moreover, it provides coverage options like homeowners' insurance, renters' insurance, watercraft insurance, and recreational vehicle insurance. Reidel Insurance Agency has been serving clients since 1962.

License Verified:

License: 739

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 (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
100 South Church Street, New Carlisle, OH 45344
  • Life Insurance
  • Individual Plans

Why choose this provider?

Clingman Insurance is an independent insurance agency serving clients in Dayton. It offers whole life, universal life, and term life insurance policies. Other personal coverages include boat and marine, condominium, earthquake, mobile home, and motorcycle insurance. For businesses, it provides commercial property and auto, garage, cyber liability, business interruption, and technology insurance plans. One of its agents, Robert Pollock, is a Chartered Life Underwriter from The American College of Financial Services and a Chartered Property Casualty Underwriter from The Institutes.

License Verified:

License: 1108608

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
4.0 / 5 (21)
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
10979 Reed Hartman Highway, Blue Ash, OH 45242
  • Life Insurance
  • Health Insurance

Why choose this provider?

Kyler-Moore Insurance Agency LLC is an independent company that provides insurance services to residents and businesses of Dayton and the surrounding communities. It represents multiple carriers that offer a variety of insurance packages. It carries life insurance plans like universal, whole life, and term life insurance plans. Additionally, it provides business insurance packages like commercial property, B.O.P., general liability, commercial auto, and commercial umbrella insurance. Kevin Kyler and Wyatt Moore established the agency in 2017.

License Verified:

License: 18312859

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.
4.1
Google
4.0 / 5 (159)
Facebook
5.0 / 5 (25)

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
536 West Central Avenue, Springboro, OH 45066
  • Life Insurance

Why choose this provider?

Neal & Martin Insurance Agency helps families and businesses in Dayton obtain adequate financial protection. Its independent insurance agents offer life insurance options, such as term, traditional whole life, and variable universal life insurance, and assist clients in choosing the appropriate coverages. They also carry a range of insurance products, including auto, flood, condo, and homeowners' insurance. In addition to its selection of insurance plans, Neal & Martin Insurance Agency provides insurance education to the communities it serves.

License Verified:

License: 35457

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 (10)
Facebook
5.0 / 5 (10)

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
2840 South Co Road 25A, Troy, OH 45373
  • Life Insurance

Why choose this provider?

Freeman Groves Insurance & Financial Services is an insurance company that serves locals of the Dayton area and its adjoining communities. Established in 1995, it offers a wide array of insurance solutions to individuals and families who are looking into securing their financial future. One of its insurance services is life insurance, with options including term life, disability, mortgage protection, and long-term care insurance. Additionally, Freeman Groves Insurance & Financial Services also offers home, auto, and Medicare insurance services.

License Verified:

License: 3244046

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 (25)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3639 Rigby Road, Miamisburg, OH 45342
  • Individual Plans
  • Life Insurance

Why choose this provider?

Founded in 1947, Nichols, Rogers, Knipper Hogan Insurance, or NRK-Hogan, is an agency that assists in finding life insurance plans for customers in Dayton. As a full-service and independent agency, it partners with a variety of insurance carriers to provide its individual, business, and commercial clients with an insurance package customized to meet their needs. The most common types of life insurance policies it offers include term life, whole life, and universal life insurance. Clients may also request a quick quote through the agency's website.

License Verified:

License: 1379

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 (4)

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
536 West Loveland Avenue, Loveland, OH 45140
  • Life Insurance
  • Health Insurance

Why choose this provider?

In 2005, BRS Insurance was founded by partners Carey Bush and Bill Re to provide Dayton with comprehensive insurance solutions. Both Carey and Bill have experience working for multinational insurance carriers before forming the agency. They offer temporary and permanent life insurance plans. Additionally, they assist clients in purchasing health, homeowners', auto, and commercial insurance policies. Some of the providers the company represents are Safeco, Progressive, Erie Insurance, and Medical Mutual. In April 2019, it merged with A.M. Peck & Company.

License Verified:

License: 8343950

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 (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
1135 East 2nd Street, Franklin, OH 45005
  • Life Insurance

Why choose this provider?

Simpkins Foley Insurance Associates is an independent insurance agency that provides insurance services to residents and businesses of Dayton and surrounding communities. It represents multiple carriers that offer a variety of insurance packages. It carries life insurance plans like term life insurance, whole life or permanent life insurance, juvenile life insurance, final expense insurance, and buy-sell life insurance agreement. Additionally, it provides insurance packages for farms and equines. Steve Simpkins established the firm in 1966 and Pat Foley joined in 2012.

License Verified:

License: 8296139

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.
4.0
Google
4.0 / 5 (51)
Facebook
4.0 / 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

Website
915 South Main Street, Englewood, OH 45322
  • Life Insurance
  • Term Life Insurance
  • Permanent Life Insurance Policy

Why choose this provider?

Boord-Henne Insurance is an insurance service provider headquartered in Englewood. Serving clients throughout Dayton and the surrounding areas, this agency offers a complete range of insurance products, including life insurance, homeowner's insurance, and auto insurance. The Boord-Henne team provides life insurance policy options such as permanent, universal, term, and return of premium term life insurance coverage. Furthermore, it offers final expense and disability insurance coverage. Boord-Henne Insurance is a family-owned business that has been serving clients since 1963.

License Verified:

License: 2757348

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
4.0 / 5 (10)
Facebook
5.0 / 5 (10)

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
1625 Springhill Avenue, Kettering, OH 45409
  • Life Insurance

Why choose this provider?

Spectrum Insurance is an independent agency serving the Dayton community. It offers term, whole, and universal life insurance that can provide death and living benefits for clients. The policy contributes to different circumstances, such as retirement income, business expansion, or purchasing a new home. The agency also provides vehicle, property, and business insurance. One of its owners, Dan Loofboro, has been in the insurance industry since age 21. He gives back through his non-profit organization, which offers yoga and meditation for war veterans with PTSD.

License Verified:

License: 2425564

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
3806 North High Street, Dayton, OH 43214
  • Life Insurance

Why choose this provider?

Horizon Insurance Services. Inc., is an independent insurance agency, providing its services to clients in the Dayton area. It offers life insurance products such as final expense insurance, mortgage protection insurance, fixed annuities, and individual life insurance. Its other insurance products include auto, collector car, personal umbrella, renters, rental property, and homeowners insurance. Brian Byrne, the owner of Horizon Insurance Services, joined the agency in 1991 and purchased it in 2010. He is a Clintonville resident and has previously served in the Clintonville Commission.

License Verified:

License: 23573

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 (12)

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
66 East Lynn Street, Dayton, OH 43215
  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Why choose this provider?

Dennis & Nelson Insurance Group creates personalized life insurance plans for clients across the Dayton area. An independent insurance agency and member of the National Association of Professional Insurance Agents, it provides individual life insurance, final expense insurance, fixed annuities, and mortgage protection insurance. Other services include coverage options for automobiles, homes, farms, flood and renters, workers' compensation, and SR-22 bonds. One client praised the insurance company for being responsive and handling the process with minimal paperwork involved.

License Verified:

License: 2437

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.
4.0
Facebook
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
4901 Hunt Road, Blue Ash, OH 45242
  • Life Insurance

Why choose this provider?

Serving Dayton, Dempsey & Siders Insurance Agency offers a variety of insurance services in the metro. It provides comprehensive personal insurance services such as individual life insurance, child life insurance, valuable possessions insurance, rental property insurance, high net worth insurance, and excess liability insurance. The company also offers business insurance options including business auto insurance, commercial property insurance, employment practice insurance, cyber liability insurance, key man life insurance, and systems breakdown insurance. Established in 1956, Dempsey & Siders Insurance Agency is led by its president, Casey Connor, who has over 20 years of industry experience.

License Verified:

License: 854

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 (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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

Huesman Schmid Insurance Agency offers life insurance policies to residents of Dayton and the surrounding communities. Clients can choose from several options such as traditional whole life, variable universal life, and term life insurance. Apart from life insurance, Huesman Schmid Insurance Agency also offers various insurance products such as auto, homeowners, personal umbrella, and pet insurance. A.J. Schmid, the company president, began his career in the insurance industry over 18 years ago. Outside of work, he enjoys concerts, sporting events, and skiing.

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.
4.4
Google
4.4 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
465 Arlington Road, Brookville, OH 45309
  • Life Insurance
  • Health Insurance

Why choose this provider?

Cassel Insurance Agency is an insurance company that caters to customers in Dayton who want to secure their future and the future of their loved ones. Its life insurance plans cover term, whole, and universal life options. Founded in 1922, the agency also offers home, car, commercial, and health insurance plans. With a focus on providing quality customer service, its team strives to consider its clients' needs and goals and create customized plans for them.

License Verified:

License: 17474140

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.
4.0
Google
4.0 / 5 (24)
Facebook
5.0 / 5 (4)
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
9787 Fairway Drive, Dayton, OH 43065
  • Life Insurance

Why choose this provider?

Burrey Insurance Agency, Inc. is an independent insurance agency that provides insurance services to residents and businesses in Dayton and the surrounding communities. It represents multiple carriers that offer a variety of insurance packages. It carries life insurance plans like universal life insurance, term life insurance, and whole life insurance. Additionally, it provides business insurance packages like business interruption insurance, business owners package insurance, workers’ compensation insurance, and professional liability (E&O) insurance. Jeffrey Burrey founded the agency in 1995.

License Verified:

License: 1318

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.
4.3
Google
4.0 / 5 (21)
Facebook
5.0 / 5 (11)

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
38 Monument Square, Urbana, OH 43078
  • Life Insurance

Why choose this provider?

Sellman Insurance Group is an independent insurance agency that provides insurance services to residents of Dayton and the surrounding communities. It provides personal insurance services like life insurance, universal life insurance, accident insurance, critical illness insurance, disability insurance, and long-term care insurance. Additionally, it offers services like crop insurance, commercial auto insurance, and business insurance. Jamon Sellman leads the team as its principal agent, with Carissa Sellman-Luza as vice president and associate agent. It has served the Urbana/Champaign County since 1947.

License Verified:

License: 17138366

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)

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
2217 Miamisburg Centerville Road, Dayton, OH 45459
  • Life Insurance

Why choose this provider?

Buckner Insurance is a family-owned and family-operated insurance agency that has been serving the residents of Dayton and the surrounding areas for more than 60 years. It provides a wide variety of life insurance plans, including term life insurance, universal life insurance, whole life insurance, and children's life insurance. Additionally, it offers long-term care insurance and simplified life insurance. Buckner Insurance is a member of the National Association of Professional Insurance Agents. It works with more than 10 different insurance carriers.

License Verified:

License: 655783

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.
4.0
Google
4.0 / 5 (69)
Facebook
4.0 / 5 (27)

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
708 North Main Street, Arcanum, OH 45304
  • Life Insurance

Why choose this provider?

Graves-Fearon Agency is a life insurance company serving clients in the Dayton area. It helps clients planning or purchasing life insurance products, which come in various policies, such as term, whole, and universal life. The company also offers several personal products, including home, auto, renters', and umbrella insurance. Commercial products are also provided, such as business liability, business property, contractors, and trucking insurance. Moreover, the company's website provides clients with various resources, such as articles, calculators, and videos.

License Verified:

License: 36221

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 (11)
Google
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

Frequently Asked Questions

  • Why is it crucial to have life insurance, and what unique benefits does it offer?

    For Dayton residents, life insurance ensures financial security for your loved ones, covering expenses like funeral costs and debts. While alive, many policies also provide investment chances. Permanent life insurance, specifically, accumulates tax-deferred cash value. Residents can borrow against or withdraw from this value for needs like education fees or home down payments.

  • How much does life insurance cost in Dayton?

    In Dayton, life insurance averages $49 monthly or $588 annually, slightly below the nationwide average. Rates hinge on variables such as youthfulness that may help create affordable rates and tobacco users might see a 65% surge in costs given Ohio's cancer statistics. The chosen coverage amount and term influence the price. Reckless driving can also escalate costs or lead to application denials.

  • What are the main differences between term, whole, and universal life insurance, and how can Dayton residents determine the best option?

    In Dayton, term life insurance provides coverage for a set duration like 10 or 30 years, ideal for specific financial obligations like mortgages. Whole life insurance ensures coverage for one's entire lifetime. Meanwhile, universal life insurance is a whole life variant with a cash value component from excess premiums.

  • How does recent international travel affect life insurance applications for Dayton residents?

    For Dayton individuals, visiting regions deemed risky by the U.S. government can pause their life insurance applications. If they apply within 30 days post-travel to such areas, there's a delay due to potential exposure risks. However, by waiting an additional 30 days after returning, they can successfully reapply for coverage. This ensures a period of ensured safety after potential exposure during travels.

  • As a Dayton resident, how can you ensure your life insurance won't jeopardize your special needs dependent's government benefits?

    For Dayton inhabitants, directly naming a special needs child as a life insurance beneficiary might result in a loss of eligibility for Supplemental Security Income and Medicaid due to federal limits. It is vital to establish a special needs trust with legal assistance and designate that trust as the recipient. An assigned trustee can then oversee the funds for the dependent's advantage.

  • 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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