Best Life Insurance In Ohio


  • Rikin Shah
  • Jun 20, 2024
ohio cost of a funeral

Ohio’s life insurance laws are governed by Title 39 of the Ohio Revised Code.

  • 10-day free look period (OH Rev. Code Ann. 3901-6-03)
  • One-month grace period for every payment after the first (OH 3915.05)
  • Claims accrue interest beginning from the date of death (OH 3915.052)
  • Guarantees up to $300,000 for lost death benefits and $100,000 compensation for cash surrender value (source)

Keep in mind that life insurance laws are very similar from state to state (for example, Oklahoma’s life insurance laws and Oregon’s life insurance laws are nearly identical to those of Ohio).

How Much Is A $10,000 Whole Life Policy In Ohio?

The table below shows the rates by age of $10,000 of whole life insurance in Ohio.

Age20
Male$15.20
Male (Smoker)$16.83
Female$14.18
Female (Smoker)$16.18
Age25
Male$16.46
Male (Smoker)$18.64
Female$14.80
Female (Smoker)$16.98
Age30
Male$16.96
Male (Smoker)$19.58
Female$16.41
Female (Smoker)$18.60
Age35
Male$19.02
Male (Smoker)$21.82
Female$17.23
Female (Smoker)$21.05
Age40
Male$20.95
Male (Smoker)$25.07
Female$20.22
Female (Smoker)$23.35
Age45
Male$23.80
Male (Smoker)$29.05
Female$22.67
Female (Smoker)$27.86
Age50
Male$27.53
Male (Smoker)$33.94
Female$25.13
Female (Smoker)$32.15
Age55
Male$32.49
Male (Smoker)$39.73
Female$28.33
Female (Smoker)$36.66
Age60
Male$39.07
Male (Smoker)$47.24
Female$33.56
Female (Smoker)$42.18
Age65
Male$47.97
Male (Smoker)$57.90
Female$41.59
Female (Smoker)$50.53
Age70
Male$60.42
Male (Smoker)$71.51
Female$52.38
Female (Smoker)$59.84
Age75
Male$98.05
Male (Smoker)$133.14
Female$71.58
Female (Smoker)$94.80
Age80
Male$134.71
Male (Smoker)$182.01
Female$97.78
Female (Smoker)$135.19
Age85
Male$188.13
Male (Smoker)$257.67
Female$131.77
Female (Smoker)$193.25

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Best Life Assurance In Cleveland

Cleveland, nestled on the southern shores of Lake Erie, is renowned for its vibrant cultural scene, robust industrial history, and affectionate moniker, “The Forest City.” Home to the world-famous Rock & Roll Hall of Fame, this dynamic city boasts a rich musical heritage alongside the esteemed Cleveland Orchestra. Its diverse neighborhoods, from the trendy Tremont area to the historic Warehouse District, offer a mosaic of dining, entertainment, and shopping options. The Cleveland Museum of Art and West Side Market stand as testaments to its cultural and culinary prowess, while the progressive healthcare sector, headlined by the Cleveland Clinic, underscores its modern industrial and technological landscape. With a blend of green spaces like the Emerald Necklace and the bustling downtown area, Cleveland presents a unique mix of urban appeal and natural beauty, making it a captivating destination for both residents and visitors alike.

1100, 1330 Superior Ave E Ste398 W Bagley Rd Suite #19
+18554679253+12164099274
Taylor OswaldProtect Insurance Co
1100, 1330 Superior Ave E Ste6746 Anthony Ln
+18554679253+12162700830
Taylor OswaldSafe Cycle Insurance Co
1100, 1330 Superior Ave E Ste401 Euclid Ave #44
+18554679253+12163542183
Taylor OswaldSmart Insurance Cleveland
1100, 1330 Superior Ave E Ste14729 Puritas Ave
+18554679253+12162206691
Taylor OswaldPerfect Insurance Cleveland
1100, 1330 Superior Ave E Ste16281 Glynn Rd
+18554679253+12202131602
Taylor OswaldBright Insurance Cleveland
1100, 1330 Superior Ave E Ste1801 E 9th St #800
+18554679253+12202131597
1100, 1330 Superior Ave E Ste1500 Chester Ave
+18554679253+12162412300
1100, 1330 Superior Ave E Ste28601 Chagrin Blvd #300
+18554679253+12165912392
Taylor OswaldSergiy Insurance – Health Insurance – Life Insurance Parma, OH
1100, 1330 Superior Ave E Ste5909 State Rd
+18554679253+14405525345

Best Coverage In Akron

Akron, nestled in the heart of Ohio, emerges as a vibrant city blending rich historical charm with modern innovation. Known as the “Rubber Capital of the World” for its pivotal role in the rubber and tire industry, it has evolved into a hub for advanced manufacturing, education, and healthcare. With scenic landscapes, including the lush Cuyahoga Valley National Park nearby, Akron offers a unique mix of urban excitement and natural beauty. The city is also celebrated for its lively cultural scene, featuring the renowned Akron Art Museum, diverse culinary offerings, and the famous All-American Soap Box Derby. Whether you’re drawn to its industrial heritage, engaging activities, or the warmth of its community, Akron promises a memorable experience for residents and visitors alike.

Mutual Insurance LLCAkron Insurance Agency Inc
VALMARK BUILDNG, 130 Springside Dr453 S High St #302
+13303565611+12163538625
Mutual Insurance LLCCloudGuard Insurance
VALMARK BUILDNG, 130 Springside Dr4880 S Main St #2
+13303565611+12342000305
Mutual Insurance LLCStephanie Shoman AXA
VALMARK BUILDNG, 130 Springside Dr3700 Embassy Pkwy
+13303565611+13306641826
Mutual Insurance LLCLIFE SETTLEMENT SERVICE
VALMARK BUILDNG, 130 Springside DrVALMARK BUILDNG, 130 Springside Dr #300
+13303565611+18007655201
Mutual Insurance LLCAllegiance Insurance Group
VALMARK BUILDNG, 130 Springside Dr1717 Brittain Rd Ste 309
+13303565611+13302535902
Mutual Insurance LLCAssuredPartners
VALMARK BUILDNG, 130 Springside Dr600 E Cuyahoga Falls Ave
+13303565611+13307331800
Mutual Insurance LLCNew York Life
VALMARK BUILDNG, 130 Springside Dr2850 S Arlington Rd # 202
+13303565611+13306456860

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Best Policies In Cincinnati

Cincinnati, nestled along the banks of the Ohio River, is a vibrant city that boasts a rich tapestry of cultural heritage, modern innovation, and Midwestern charm. Known for its historic architecture, dynamic sports scene, and thriving arts community, Cincinnati offers a unique blend of tradition and progress. Home to the famous Cincinnati Zoo & Botanical Garden, the stunning Cincinnati Art Museum, and the beloved Cincinnati Reds, the city attracts visitors and residents alike with its diverse attractions and friendly atmosphere. From the scenic riverfront to the bustling streets of Over-the-Rhine, Cincinnati is a city that proudly celebrates its past while looking forward to its future.

Cincinnati Insurance LLC.Associate Insurance OH
419 Plum St301 E 4th St
+12163063093+18004383398
Cincinnati Insurance LLC.American Insurance Agency Inc
419 Plum St644 Linn St # 1100
+12163063093+12163541851
Cincinnati Insurance LLC.Professional Insurance OH
419 Plum St
+12163063093+12164388374
Cincinnati Insurance LLC.Superb Insurance Cincinnati
419 Plum St4920 Glenway Ave
+12163063093+14406960988
Cincinnati Insurance LLC.ClearPath Advisors
419 Plum St324 E 4th St
+12163063093+15132986152
Cincinnati Insurance LLC.National Insurance Services Ohio
419 Plum St2631 Erie Ave #1
+12163063093+15134438620
Cincinnati Insurance LLC.The Life Insurance Broker
419 Plum St7800 Cooper Rd l5
+12163063093+15137836602
419 Plum St9122 Montgomery Rd #18
+12163063093+15135018881
Cincinnati Insurance LLC.The Whitney Insurance Group
419 Plum St250 E 5th St Floor 15
+12163063093+18776527765
Cincinnati Insurance LLC.Western & Southern Life
419 Plum St400 Broadway
+12163063093+18668327719
Cincinnati Insurance LLC.Integrity Life
419 Plum St400 Broadway #3312
+12163063093+18003258583

Best Life Cover In Columbus

Columbus, the vibrant capital city of Ohio, serves as a central hub for culture, education, and industry in the state. Known for its beautiful parks, diverse arts scene, and the prestigious Ohio State University, Columbus boasts an array of attractions ranging from innovative culinary experiences to historical landmarks. This dynamic city seamlessly blends urban energy with Midwestern charm, making it a thriving locale for businesses, families, and students alike. Whether you’re exploring the interactive exhibits at COSI, enjoying a stroll through the historic German Village, or attending one of the many festivals that light up the streets, Columbus offers a rich tapestry of experiences for every visitor.

Loyalty Insurance Solutions ColumbusJoy insurance company ohio
3448 S Hamilton Rd309 S 4th St #412
+12202015465+16149577650
Loyalty Insurance Solutions ColumbusOhio Insurance Group
3448 S Hamilton Rd4255 N High St
+12202015465+16147562643
Loyalty Insurance Solutions ColumbusAmerican insurance Columbus
3448 S Hamilton Rd515 E Mound St
+12202015465+16144123991
Loyalty Insurance Solutions ColumbusAmerican Insurance Community Group
3448 S Hamilton Rd100 E Campus View Blvd #250
+12202015465+18883161315
Loyalty Insurance Solutions ColumbusMorgan Hubble Smith Insurance
3448 S Hamilton Rd1721 Bethel Rd
+12202015465+16147850611
Loyalty Insurance Solutions ColumbusBright insurance Columbus
3448 S Hamilton Rd5354 N High St
+12202015465+16147399095
Loyalty Insurance Solutions ColumbusHeyward Insurance Group, LLC
3448 S Hamilton Rd2970 McKinley Ave
+12202015465+16144567272
Loyalty Insurance Solutions ColumbusThe Germain Insurance Company
3448 S Hamilton Rd1500 Auto Mall Dr
+12202015465+16144658999
Loyalty Insurance Solutions ColumbusSenior Life Insurance-Vicki Travis
3448 S Hamilton Rd4449 Easton Way 2nd floor
+12202015465+16146959388
Loyalty Insurance Solutions ColumbusOhio Life Insurance
3448 S Hamilton Rd1985 W Henderson Rd
+12202015465+13802101801
Loyalty Insurance Solutions ColumbusSV Insurance Agency
3448 S Hamilton Rd4937 W Broad St
+12202015465+16142035134

Best Life Insurance In Toledo

Toledo, often celebrated as a cultural nexus, stands proud along the banks of the River Tagus in central Spain. Renowned for its rich history that dates back to Roman occupation, the city serves as a living museum, embodying centuries of varied cultural influence including Visigothic, Jewish, Christian, and Muslim heritages. Toledo’s ancient cityscape, declared a UNESCO World Heritage Site, is a labyrinth of narrow cobblestone streets, revealing architectural marvels at every turn. Here, the majestic Alcázar and the mesmerizing Toledo Cathedral take prominence, testifying to the city’s medieval grandeur. Craftsmanship thrives in Toledo, with its famed damascene metalwork and sword-making traditions attracting enthusiasts from around the globe. Culinary ventures are equally rewarding with local specialties offering a taste of Toledo’s diverse cultural palette. This captivating city not only preserves the essence of Spain’s storied past but also invites exploration and discovery, making it a jewel in the crown of Spanish heritage.

Adrian Pierce at Comparion Insurance AgencyEvolve Insurance Consultants
1715 Indian Wood Cir Office 267 & 2706800 Central Ave c2
+15674559097+14195179895
Adrian Pierce at Comparion Insurance AgencyDetlef Insurance
1715 Indian Wood Cir Office 267 & 270833 Woodville Rd
+15674559097+14196937458
Adrian Pierce at Comparion Insurance AgencyStapleton Insurance Group
1715 Indian Wood Cir Office 267 & 2707250 Crossleigh Ct
+15674559097+14197206446
Adrian Pierce at Comparion Insurance AgencySheri Harris Insurance
1715 Indian Wood Cir Office 267 & 270127 California Blvd
+15674559097+14192830937
Adrian Pierce at Comparion Insurance AgencyBob Burns Insurance & Financial
1715 Indian Wood Cir Office 267 & 2702229 W Laskey Rd
+15674559097+14194711950
Adrian Pierce at Comparion Insurance AgencyGluckle Insurance & Financial Agency
1715 Indian Wood Cir Office 267 & 2704452 Heatherdowns Blvd
+15674559097+14198871363
Adrian Pierce at Comparion Insurance AgencyMcCain Insurance and Casualty
1715 Indian Wood Cir Office 267 & 2705660 Southwyck Blvd # 100
+15674559097+14193095568
Adrian Pierce at Comparion Insurance AgencyQuality Insurance Agency
1715 Indian Wood Cir Office 267 & 270316 N Michigan St
+15674559097+14197181297
Adrian Pierce at Comparion Insurance AgencyToledo Insurance LLC
1715 Indian Wood Cir Office 267 & 270432 N Superior St
+15674559097+12162325983
Adrian Pierce at Comparion Insurance AgencyGleaner Life Insurance Society
1715 Indian Wood Cir Office 267 & 2702600 N Reynolds Rd # 101A
+15674559097+14195351914
Adrian Pierce at Comparion Insurance AgencyShield Haven Insurance, OH
1715 Indian Wood Cir Office 267 & 270519 Madison Ave
+15674559097+16142453902
Adrian Pierce at Comparion Insurance AgencySafe Way Insurance Co.
1715 Indian Wood Cir Office 267 & 270LAWRENCE N. STEINBERG BUILDING, 435 S Hawley St
+15674559097+14197181364
Adrian Pierce at Comparion Insurance AgencyBrown Insurance Inc.
1715 Indian Wood Cir Office 267 & 2705198 N Summit St #4
+15674559097+14197180490

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Top Life Insurance Companies In Ohio

For the residents of the great state of Ohio, we at GetSure recommend three carriers: Transamerica, Aetna, and Mutual of Omaha.

Transamerica

“Immediate Solution” Whole Life Insurance
Policy TypeAvailable States
Whole LifeAll except NY
Policy TypeAge Range
Whole Life0 – 85 years
Policy TypeCoverage Range
Whole Life$1,000 – $50,000 (varies by age)
Policy TypePolicy Duration
Whole LifeLifelong
Policy TypeWaiting Period
Whole LifeNone
Policy TypeRate Lock
Whole LifeYes – rates never increase
Advantages
  • Very low prices
  • No medical exam
  • Flat, never-increasing premiums
  • No waiting period
Considerations
  • Underwriting has become stricter (e.g., no insulin)
  • Coverage limited to $25,000 for older applicants

Mutual of Omaha

“Living Promise” Whole Life Insurance
Policy TypeAvailable States
Whole LifeAll except NY
Policy TypeAge Range
Whole Life45 – 85 years
Policy TypeCoverage Range
Whole Life$2,000 – $50,000
Policy TypePolicy Duration
Whole LifeLifelong
Policy TypeWaiting Period
Whole LifeNone
Policy TypeRate Lock
Whole LifeYes – rates never increase
Advantages
  • Excellent customer service
  • No medical exam
  • Flat, never-increasing premiums
  • No waiting period
Considerations
  • Moderately strict underwriting

Aetna

“Protection Series” Whole Life Insurance
Policy TypeAvailable States
Whole LifeAll except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA
Policy TypeAge Range
Whole Life45 – 89 years
Policy TypeCoverage Range
Whole Life$2,000 – $50,000 (varies by age)
Policy TypePolicy Duration
Whole LifeLifelong
Policy TypeWaiting Period
Whole LifeNone
Policy TypeRate Lock
Whole LifeYes – rates never increase
Advantages
  • Lenient underwriting
  • Shortest application, industry-wide
  • Automated underwriting (approval potentially in minutes)
  • No medical exam
  • Flat, never-increasing premiums
Considerations
  • N/A

Rikin Shah

Rikin is the Founder & CEO of GetSure. He is a licensed life, accident & health insurance agent in all 50 states (plus D.C.) and has over 15 years of experience in the financial services industry. He has been featured in publications such as Forbes, USA Today, and U.S. News & World Report, among others. Rikin holds a B.S. in Applied Mathematics from Columbia University and an MBA from The Stanford Graduate School of Business. If you'd like to speak with Rikin to discuss your life insurance options or questions, don't hesitate to email him at hello [at] getsure.org.