The top-rated life insurance agent in Cleveland, Ohio is Globe Life Family Heritage Division, rated 4.5 stars across 959 reviews. Other highly rated options include Acceptance Insurance, Mike Fabert - State Farm Insurance Agent, Justin Ragor - State Farm Insurance Agent. This directory lists 36 life insurance agents serving Cleveland.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Globe Life Family Heritage Division | 6001 E Royalton Rd Suite 200 | (440) 922-5222 |
| 2 | Acceptance Insurance | 3360 Warren Rd | (216) 249-7983 |
| 3 | Mike Fabert - State Farm Insurance Agent | Hts, 2491 Lee Blvd | (216) 932-6900 |
| 4 | Justin Ragor - State Farm Insurance Agent | 3878 Rocky River Dr Ste 4 | (216) 251-5300 |
| 5 | Ralph P. Sills Insurance Agency | 13854 Cedar Rd | (216) 321-8033 |
| 6 | Four Point Insurance Agency, Inc. | 750 Prospect Ave E APT 706 | (216) 704-6307 |
| 7 | The Morrow Group & Co. | 15444 St Clair Ave. | (216) 618-1224 |
| 8 | Evarts Tremaine | 1111 Superior Ave Suite 1650 | (216) 621-7183 |
| 9 | Gluckle Insurance Agency | 4768 Broadview Rd | (216) 404-7511 |
| 10 | Insurance Systems Group, Inc. | 3 Summit Park Dr #525 | (216) 236-7760 |
Globe Life Family Heritage Division serves the Cleveland, Ohio, metro area, offering life insurance agent services to local residents. As a life insurance agency, it helps individuals and families secure financial protection through various policy options. The agents assess clients' coverage needs and guide them in selecting suitable plans. Common services include final expense insurance, which helps cover end-of-life costs, and term life policies that provide temporary income replacement for beneficiaries.
Acceptance Insurance serves the Cleveland, Ohio metro area, offering services as a local life insurance agent. Its representatives guide individuals and families through the process of selecting financial protection policies suited to long-term needs. Policies can be arranged to help beneficiaries manage expenses after a policyholder’s passing. The agent works with clients to evaluate coverage amounts that fit personal budgets and household circumstances. Specific services handled in this area include term life insurance for temporary coverage needs and whole life insurance options.
Mike Fabert operates as a life insurance agent in Cleveland, OH, providing term life, whole life, and universal life policies to area residents. The agency assists clients in selecting appropriate coverage levels and benefit durations to meet long-term financial protection needs. Policy reviews and beneficiary updates are offered to ensure plans remain aligned with changing family circumstances. Regular consultations help policyholders understand their options for adjustments over time. This office services single-family homes, apartments, retail establishments, and restaurants throughout the Cleveland area.
Justin Ragor - State Farm Insurance Agent in Cleveland, Ohio provides life insurance coverage for local homeowners, families, and small business owners. The agency helps clients select policies that offer financial protection for their loved ones and can serve as a component of a broader financial plan. Policy options range from term life to permanent life insurance, tailored to different needs and budgets. The agent also serves residents in the neighboring community of Lakewood and other parts of the greater Cleveland metropolitan area.
Ralph P. Sills Insurance Agency serves the greater Cleveland, Ohio area and its surrounding communities. This firm handles life insurance policies designed to address various financial protection needs. They typically work with clients to analyze one's current coverage gaps and future income requirements. The agency’s general approach to a typical job includes explaining how a life policy aligns with long-term financial goals. It begins by assessing an individual’s personal circumstances, then presents product options from different carriers, and finally guides the client through the application and underwriting process.
Four Point Insurance Agency, Inc. in Cleveland, OH advises clients on the difference between one-time term life insurance, which covers a set period, and recurring permanent policies that build cash value over a lifetime. Their services help individuals select coverage that protects family financial stability in the event of an unexpected death. The agency offers a thorough review of client needs and recommends customized plans accordingly. Service is conducted on an as-needed basis by appointment.
The Morrow Group & Co. provides specialized life insurance planning, including term and whole life policies, alongside broader risk management consultations for individuals and families in Cleveland, Ohio. It offers guidance on policy selection, coverage amounts, and beneficiary designations. The agency focuses on long-term financial security and helps clients review their policies annually, particularly when adjusting coverage after major life events like a new home purchase or following a change in health status.
As winter approaches in Cleveland, families often review their financial protection against unexpected hardship. Evarts Tremaine serves as a local life insurance agent, helping residents plan for the future with standard term and whole life policies designed to provide security for loved ones. Clients routinely discuss peace of mind during these consultations, comparing coverage amounts to suit their household budgets. An initial needs assessment is scheduled at the first meeting to review current coverage gaps and potential beneficiary designations.
Gluckle Insurance Agency in Cleveland, Ohio helps individuals and families secure financial protection through tailored life insurance policies. The company focuses on term, whole, and universal life options to address varied budgeting and coverage needs. Customizing plans for long-term security is a central part of its service approach. Beyond personal coverage, the agency supports local businesses by designing benefit packages for commercial environments such as offices, warehouses, and food service operations.
What Does a a Life Insurance Agent in Cleveland Cost?
Typical costs for life insurance in Ohio range from about $25 per month for a healthy 30-year-old with a 20-year term policy to over $200 per month for older applicants or larger coverage amounts. Whole life policies cost more often starting at $100 per month. Actual premiums depend on your age health coverage amount and policy type. This is general information not insurance advice.
About life insurance agents in Cleveland
Life insurance agents in Cleveland Ohio help residents find policies that protect their families and assets. Ohio law requires all life insurance agents to hold a valid state license and follow regulations from the Ohio Department of Insurance. Local agents understand the specific needs of Cleveland families and businesses.
Frequently Asked Questions
What license does a life insurance agent need in Ohio?
An Ohio life insurance agent must hold a valid resident or non-resident license from the Ohio Department of Insurance. The agent must complete pre-licensing education and pass a state exam. Agents must also renew their license every two years.
How long does it take to get life insurance in Cleveland?
The process can take from a few days to several weeks depending on the policy type and your health. Term life insurance often requires a medical exam and underwriting review. Some policies offer accelerated underwriting with no exam for qualified applicants.
Can I buy life insurance online from a Cleveland agent?
Yes many Cleveland agents offer online consultations and digital applications. Ohio law allows electronic signatures and remote policy delivery. You can complete the entire process without visiting an office if you prefer.
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