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.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $15.20 | $16.83 | $14.18 | $16.18 |
| 25 | $16.46 | $18.64 | $14.80 | $16.98 |
| 30 | $16.96 | $19.58 | $16.41 | $18.60 |
| 35 | $19.02 | $21.82 | $17.23 | $21.05 |
| 40 | $20.95 | $25.07 | $20.22 | $23.35 |
| 45 | $23.80 | $29.05 | $22.67 | $27.86 |
| 50 | $27.53 | $33.94 | $25.13 | $32.15 |
| 55 | $32.49 | $39.73 | $28.33 | $36.66 |
| 60 | $39.07 | $47.24 | $33.56 | $42.18 |
| 65 | $47.97 | $57.90 | $41.59 | $50.53 |
| 70 | $60.42 | $71.51 | $52.38 | $59.84 |
| 75 | $98.05 | $133.14 | $71.58 | $94.80 |
| 80 | $134.71 | $182.01 | $97.78 | $135.19 |
| 85 | $188.13 | $257.67 | $131.77 | $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.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Taylor Oswald | 1100, 1330 Superior Ave E Ste | +18554679253 |
| Life and Legacy Insurance and Wealth Preservation | 398 W Bagley Rd Suite #19 | +12164099274 |
| Protect Insurance Co | 6746 Anthony Ln | +12162700830 |
| Safe Cycle Insurance Co | 401 Euclid Ave #44 | +12163542183 |
| Smart Insurance Cleveland | 14729 Puritas Ave | +12162206691 |
| Perfect Insurance Cleveland | 16281 Glynn Rd | +12202131602 |
| Bright Insurance Cleveland | 1801 E 9th St #800 | +12202131597 |
| J.L. Thomas & Company, Inc. | 1500 Chester Ave | +12162412300 |
| Lincoln National Life Insurance: Barrett Lawrence | 28601 Chagrin Blvd #300 | +12165912392 |
| Sergiy Insurance – Health Insurance – Life Insurance Parma, OH | 5909 State Rd | +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.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Mutual Insurance LLC | VALMARK BUILDNG, 130 Springside Dr | +13303565611 |
| Akron Insurance Agency Inc | 453 S High St #302 | +12163538625 |
| CloudGuard Insurance | 4880 S Main St #2 | +12342000305 |
| Stephanie Shoman AXA | 3700 Embassy Pkwy | +13306641826 |
| LIFE SETTLEMENT SERVICE | VALMARK BUILDNG, 130 Springside Dr #300 | +18007655201 |
| Allegiance Insurance Group | 1717 Brittain Rd Ste 309 | +13302535902 |
| AssuredPartners | 600 E Cuyahoga Falls Ave | +13307331800 |
| New York Life | 2850 S Arlington Rd # 202 | +13306456860 |
You Won't Find A Lower Rate
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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.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Cincinnati Insurance LLC. | 419 Plum St | +12163063093 |
| Associate Insurance OH | 301 E 4th St | +18004383398 |
| American Insurance Agency Inc | 644 Linn St # 1100 | +12163541851 |
| Professional Insurance OH | +12164388374 | |
| Superb Insurance Cincinnati | 4920 Glenway Ave | +14406960988 |
| ClearPath Advisors | 324 E 4th St | +15132986152 |
| National Insurance Services Ohio | 2631 Erie Ave #1 | +15134438620 |
| The Life Insurance Broker | 7800 Cooper Rd l5 | +15137836602 |
| Local Insurance Help insurancehelpOhio.com | 9122 Montgomery Rd #18 | +15135018881 |
| The Whitney Insurance Group | 250 E 5th St Floor 15 | +18776527765 |
| Western & Southern Life | 400 Broadway | +18668327719 |
| Integrity Life | 400 Broadway #3312 | +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.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Loyalty Insurance Solutions Columbus | 3448 S Hamilton Rd | +12202015465 |
| Joy insurance company ohio | 309 S 4th St #412 | +16149577650 |
| Ohio Insurance Group | 4255 N High St | +16147562643 |
| American insurance Columbus | 515 E Mound St | +16144123991 |
| American Insurance Community Group | 100 E Campus View Blvd #250 | +18883161315 |
| Morgan Hubble Smith Insurance | 1721 Bethel Rd | +16147850611 |
| Bright insurance Columbus | 5354 N High St | +16147399095 |
| Heyward Insurance Group, LLC | 2970 McKinley Ave | +16144567272 |
| The Germain Insurance Company | 1500 Auto Mall Dr | +16144658999 |
| Senior Life Insurance-Vicki Travis | 4449 Easton Way 2nd floor | +16146959388 |
| Ohio Life Insurance | 1985 W Henderson Rd | +13802101801 |
| SV Insurance Agency | 4937 W Broad St | +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.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Adrian Pierce at Comparion Insurance Agency | 1715 Indian Wood Cir Office 267 & 270 | +15674559097 |
| Evolve Insurance Consultants | 6800 Central Ave c2 | +14195179895 |
| Detlef Insurance | 833 Woodville Rd | +14196937458 |
| Stapleton Insurance Group | 7250 Crossleigh Ct | +14197206446 |
| Sheri Harris Insurance | 127 California Blvd | +14192830937 |
| Bob Burns Insurance & Financial | 2229 W Laskey Rd | +14194711950 |
| Gluckle Insurance & Financial Agency | 4452 Heatherdowns Blvd | +14198871363 |
| McCain Insurance and Casualty | 5660 Southwyck Blvd # 100 | +14193095568 |
| Quality Insurance Agency | 316 N Michigan St | +14197181297 |
| Toledo Insurance LLC | 432 N Superior St | +12162325983 |
| Gleaner Life Insurance Society | 2600 N Reynolds Rd # 101A | +14195351914 |
| Shield Haven Insurance, OH | 519 Madison Ave | +16142453902 |
| Safe Way Insurance Co. | LAWRENCE N. STEINBERG BUILDING, 435 S Hawley St | +14197181364 |
| Brown Insurance Inc. | 5198 N Summit St #4 | +14197180490 |
You Won't Find A Lower Rate
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You never know what battles people may be fighting.
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 Type | Whole Life |
|---|---|
| States | All except NY |
| Ages | 0 – 85 |
| Coverage | $1,000 – $50,000 (varies by age) |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Very low prices
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- 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 Type | Whole Life |
|---|---|
| States | All except NY |
| Ages | 45 – 85 |
| Coverage | $2,000 – $50,000 |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Excellent customer service
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Moderately strict underwriting
Aetna
“Protection Series” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA |
| Ages | 45 – 89 |
| Coverage | $2,000 – $50,000 (varies by age) |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Lenient underwriting
- Shortest application, industry-wide
- Automated underwriting (approval potentially in minutes)
- No medical exam
- Flat, never-increasing premiums
- N/A
