Ohio Life Insurance | OH Life Insurance Quotes

Ohio life insurance offers residents a timely payment on death benefits within 60 days. Get affordable OH life insurance quotes to protect your loved ones.

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Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites.

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Written by Tim Bain
Founder & Life Insurance Agent

UPDATED: Oct 30, 2020

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It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

We offer Ohio residents life insurance from several of the best OH life insurance companies. Life insurance is very similar from state-to-state, with a few exceptions, so expect your Ohio life insurance rates to differ.

However, this guide should help you understand the differences in Ohio life insurance as well as find resources in your state. We’ll also show you how to get the best life insurance in Ohio.

Before we dive into this guide, find affordable Ohio life insurance rates by clicking on our FREE quote tool above. Get started now.

Table of Contents

Ohio Life Insurance Quotes

We offer Ohio residents life insurance from several A-rated life insurance companies. Life insurance is very similar from state to state, with a few exceptions. This guide should help you understand the differences as well as find resources in your state.

Policy Cost – The premium (cost) you pay for your life insurance policy does not vary by state. It is the same regardless of which state you live in. Premiums are set by life insurance companies then approved by the State Insurance Department.

Company Availability – Not all companies are available in every state. For example, if a life insurance company has not filed its product or rates with your State Insurance Department, that company won’t be available in your state. Company availability changes often due to new filings.

Product Availability – There are instances where life insurance companies offer only specific products or riders in a state. For example, a company may offer a child insurance rider on their policy, but the feature may not be available in all states. These exclusions can be viewed by clicking on the life insurance companies in the list below.

Ohio life insurance also offers residents a timely payment on death benefits within 60 days.

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Life Insurance Rates in Ohio

Let’s take a look at what the best Ohio life insurance companies charge. This will give you an idea of what to expect with Ohio life insurance rates. In the first chart below, you’ll notice the average annual rates for non-smokers based on age, marital status, and gender.

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Now, take a look at the average annual rates for smokers based on age, marital status, and gender. As you can see, the Ohio life insurance quotes are much higher, presumably because of the higher mortality risk.

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You can also see how many life insurance companies there are in Ohio versus the other midwestern states.

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According to the chart, there are 38 Ohio life insurance companies that specifically do business within the state, which means plenty of Ohio life insurance policy options for you. Click our free quote tool on this page to find out exactly who will offer you the best Ohio life insurance rate. Also, find out more about the Ohio life insurance beneficiary laws here.

Ohio Guaranty Association

State guaranty associations are committed to protecting resident policyholders and beneficiaries in the event of an insurance company insolvency. The association is made up of all insurance companies licensed to sell life insurance, health insurance and annuities in the state. If an insurance company becomes insolvent (goes out of business), the association steps in to protect policyholders by continuing coverage and paying claims, up to defined limits.

In Ohio, a life insurance policy is protected up to $300,000. This amount is the maximum benefit provided for any one life. In other words, multiple policies on any one person are limited to this amount.

Ohio Life Insurance Contacts

Here is a list of all the necessary state contacts for residents with Ohio life insurance claims and other related matters.

Guaranty Association

If you need information about an Ohio life insurance or health insurance guaranty, contact the Ohio Life & Health Insurance Guaranty Association at 1-614-442-6601 or visit the website.

Insurance Department

For the latest updates from the Ohio Department of Insurance, you can call 1-800-686-1526 or visit the website. Here, you can find information about Ohio insurance regulators as well as access the Ohio Department of Insurance company search.

If you’re interested in a specific provider’s information, such as the United Ohio Insurance Company claims phone number or policy options from Ohio Mutual Insurance, the Ohio Department of Insurance is your source.

You can also obtain up-to-date information about an Ohio insurance agent’s license, such as their State of Ohio insurance license renewal, through the Ohio insurance license lookup. Or other life insurance company info. For example, the Ohio National life insurance phone number is 800-366-6654. They offer Ohio National term life insurance.