Expertise.com

2024

Last updated:

Best Life Insurance Companies in Ohio

Our Recommended Top 13

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 Ohio 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.

518797Reviewed

311283Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Expertise.com Rating

Review Sources

Facebook
4.9 (68)
Google
4.8 (26)

Why choose this provider?

Cunningham Insurance, Ltd, provides services to clients across Ohio. It offers life insurance plans covering mortgage protection, wealth transfer, income replacement, final expenses, and education costs to help individuals protect the future of their loved ones. In addition to life, the agency is available to assist clients in applying for Medicare Supplement, flood, mobile home, rental properties, boat, and motorcycle insurance products. Cunningham Insurance has been operating in the industry since 1974. The agency carries insurance plans from Wayne Mutual, Pekin, and Progressive.

  • Life Insurance

Expertise.com Rating

Review Sources

Google
5.0 (145)
Facebook
5.0 (70)

Why choose this provider?

Dumbaugh Insurance is a locally operated and family-owned company in Ohio. Since 1939, it has been providing personal insurance lines, including life insurance. As an independent agency, it shops for plans from different carriers such as Patriot Life, Progressive, Safeco, and Anthem on behalf of individuals and families. Its staff also handles policy changes, certificate requests, and claim submission assistance. Dumbaugh Insurance is a member of the Keystone Insurers Group. Its second-generation chairman, David Dumbaugh, has been in the industry since 1965.

  • Individual Plans
  • Life Insurance

Expertise.com Rating

Review Sources

Google
5.0 (26)
Facebook
4.3 (14)

Why choose this provider?

Phil Ruth Insurance Agency serves the needs of individuals and families throughout the state of Ohio. The independent agency represents multiple insurance companies that provide a variety of life insurance plans, working closely with clients to understand their needs and goals to match them with policies that meet those requirements. Some of the companies it represents include Allstate, The Hartford, Nationwide, and Aegis. The agency was established in 2015 and also offers auto, motorcycle, and health insurance policies.

  • Life Insurance

Expertise.com Rating

Review Sources

Google
4.6 (61)
Facebook
4.6 (44)
Yelp
1.0 (2)

Why choose this provider?

Verne Hart Insurance Agency has been insuring residents and businesses throughout Ohio for over six decades. It offers a term insurance program that meets short-term needs and pays a benefit only if the insurer passes during the term. A permanent insurance program is also available, which provides lifetime coverage and accumulates cash value. The company has earned the Indiana President's Award and Senior Partner Status with Grange Mutual Insurance. It is also a member of The Professional Insurance Agents Association.

  • Life Insurance

Expertise.com Rating

Review Sources

Google
4.6 (27)

Why choose this provider?

Mill Creek Insurance Agency has been catering to residents and businesses across the state of Ohio for eight decades. The third-generation, independent agency offers life insurance policies, helping clients determine how much coverage they need and connecting them with appropriate plans from its network of insurance carriers. Options include individual and group life, mortgage protection, long-term care, disability, second-to-die, and key person insurance. Some of the insurance companies that the agency represents include Hagerton, CNA Surety, Foremost, and Progressive.

  • Health Insurance
  • Life Insurance

Expertise.com Rating

Review Sources

Google
4.9 (20)

Why choose this provider?

Insurance Agency of Ohio caters to clients in the area who need life coverage. The plans benefit the families of individuals and business employees. These options include term and whole life contracts and special selections are available for establishments in the construction and non-profit sectors. The agency is partners with carriers like Progressive, Travelers, and Safeco Insurance. It sprang from the 1994 merger of Dunning Lathrop and Associates with the Parrish McTeague Insurance Agency Inc.

  • Life Insurance

Expertise.com Rating

Review Sources

Facebook
4.8 (19)
Google
5.0 (5)

Why choose this provider?

Mid-Ohio Insurance Solutions, Inc., offers life insurance as part of its line of personal products to residents of Ohio. It has term life for those who want coverage for a specific period and whole life for lifelong coverage. It also provides Medicare Advantage and Part D and Final Expense insurance. The company's other insurance offerings include auto, home, rental, motorcycle, condos, watercraft, and travel. In addition, Mid-Ohio Insurance Solutions offers insurance by industry, which includes restaurants, grocery stores, jewelers, nail salons, and contractors.

  • Life Insurance

Expertise.com Rating

Review Sources

Google
4.9 (44)
Facebook
5.0 (16)
Yelp
5.0 (3)

Why choose this provider?

MVP Insurance serves the protection needs of clients throughout Ohio. It has access to a wide range of life insurance providers, helping individuals find a suitable policy, whether they are looking for a term or a whole life insurance plan. Other types of personal plans that the company offers cover homes, cars, and disability claims. Commercial insurance plans like contractors', business property, and general liability are also available. The locally owned and operated company was founded in 2012.

  • Life Insurance
  • Health Insurance

Website

Expertise.com Rating

Review Sources

Google
4.2 (39)
Facebook
4.8 (25)

Why choose this provider?

Griffin Insurance provides a variety of personal insurance, business insurance, and employee benefits solutions to clients in Ohio. It offers a range of personalized risk management solutions, including basic term, whole, and universal life insurance, as well as coverage for homeowners and automobiles. Other insurance products available are health and general liability. The company works with various carriers in the state, including Aetna, CNA Surety, and UnitedHealthcare. Griffin Insurance has been in operation since 1972.

  • Health Insurance
  • Life Insurance

Expertise.com Rating

Review Sources

Google
5.0 (19)
Facebook
5.0 (8)
Yelp
5.0 (2)

Why choose this provider?

Hyers & Associates caters to residents of Ohio who require life insurance coverage. Options include individual, group, and family life products that cover various major events like college studies, home mortgages, and vehicle mishaps. Business selections are available to provide benefits for employees. The company also delivers annuities for customers' retirement needs. Hyers & Associates was opened by Adam Hyers in 2002. He has been an insurance agent since 1997 and runs an independent establishment.

  • Health Insurance
  • Life Insurance

Expertise.com Rating

Review Sources

Facebook
5.0 (76)
Google
5.0 (36)

Why choose this provider?

The Keenan Agency has been providing individuals, families, and commercial entities throughout Ohio with insurance products and services since 1938. Its selection of insurance products includes individual and group life policies with varying benefits; personal and commercial auto insurance plans; and policies protecting businesses from in-person and cyber liability—all matched according to the policyholder's coverage goals. Its staff shops from over 20 carriers, such as the Cincinnati Insurance Companies and the Foremost Insurance Group, to find and customize policies according to a client's specifications.

  • Health Insurance
  • Life Insurance

Expertise.com Rating

Review Sources

Google
5.0 (33)

Why choose this provider?

Kalmbaugh Insurance Agency, Inc. offers risk management solutions in Ohio. It assists families and individuals in acquiring personal lines of insurance. The independent company writes customized life insurance to protect beneficiaries' futures in the event of policyholders' unexpected death. Its team also processes health, home, renters', auto, and motorcycle insurance. The company works with multiple carriers, such as Liberty Mutual, Progressive, Safeco, and Central Insurance Companies. Founder John Kalmbaugh is a life underwriter training council fellow.

  • Life Insurance

Expertise.com Rating

Review Sources

Google
4.6 (44)
Facebook
5.0 (7)

Why choose this provider?

Since 1987, Shamrock Insurance Agency has been offering a variety of personal and business insurance, as well as employee benefits programs, in Ohio. It guides clients in choosing individual life insurance depending on their age, medical history, and unique needs. On top of a group life insurance coverage, its voluntary supplemental program assumes a deceased employee’s family expenses like children’s education and mortgage obligations. Shamrock Insurance Agency also recommends key person life insurance to cover costs when a business loses a top executive.

  • Life Insurance

FAQs

  • 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.

  • How does life insurance work?

    The details of how life insurance works depend on your individual plan, but the basics are as follows: 

    • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
    • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
    • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.
  • How much is life insurance?

    The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

  • Is life insurance taxable?

    Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


  • Can I buy health insurance that is not Obamacare?

    When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

  • Can I buy health insurance anytime?

    To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.

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