Life insurance policyholders take comfort in the knowledge that their loved ones will have financial protection at the worst of times. These policies protect families from unpredictable events and provide necessary living expenses in the event of an unexpected death. Our partners at ConsumerAffairs researched the best life insurance in Cincinnati to guarantee your family’s financial security.
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An unexpected death can upend the financial future of any family. To plan for this possibility, many choose to purchase life insurance policies. These policies compensate for lost income and high funeral expenses while providing ongoing financial support for loved ones.
Primary breadwinners and those with dependents are obvious candidates for life insurance, but couples with no children and single adults often choose to purchase policies to cover debts or funeral costs. Regardless of circumstance, life insurance reduces the financial burden of an already traumatic event.
Your personal details will affect what type of insurance policy you choose. There are two main types of life insurance:
Term life insurance provides coverage for a predetermined amount of time, usually from 10 to 30 years. Term life insurance policies cost less but do not hold cash value and only pay out if the insured dies within the term.
Whole life policies don't expire as long as you continue paying the premium, but are more expensive than term life policies. Whole life policies give a guaranteed return on investment and accumulate a cash value over time that can be withdrawn by the policyholder.
Other forms of life insurance include universal life (a flexible variation of whole life that has both a death benefit and cash value component), accidental death insurance and return of premium (ROP) insurance.
Your provider or agent can help narrow your options if you’re unsure which type of insurance you should purchase. Independent insurance agents are well-informed about various types of life insurance policies and can compare quotes from major Cincinnati providers like Metlife, Northwestern Mutual, Prudential Financial and New York Life.
The cost of your premium will depend on personal risk factors such as age, gender, health history and lifestyle, as well as the type and coverage amount of the policy. Your insurance provider or agent can help you adjust coverage to find a premium that fits your budget.
Policygenius allows you to choose from insurance products like term life, whole life and no-exam policies. The company provides rates from more than a dozen life insurance providers and lets you follow the progress of your application from its online account portal. Customers in Cincinnati praise the easy application process.
EverQuote compares the top life insurance providers to find a price that matches your budget. The company allows you to select from term life, whole life or universal life insurance and receive fast quotes from dozens of local and national providers. Cincinnati customers appreciate the side-by-side comparison of multiple policies.
Cincinnatus is a local insurance agency that compares multiple insurance products to find the best one for you. The full-service agency provides assistance filing claims and making changes to your policy. Many Cincinnati customers agree that switching to Cincinnatus saved money and time when shopping for insurance policies.
Meridian agents give consumers side-by-side quotes from some of the top life insurance providers in the area. Meridian customers in Cincinnati love how their agents were able to simplify the application process and provide savings on their premiums. The company offers term life, whole life and universal life insurance policies.
Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.
Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.