Life insurance companies in Ohio play a crucial role in providing financial security to individuals and families. This sector includes a mix of private agencies, large corporate entities, and family-owned businesses, all offering various life insurance products. Common types include term life, whole life, and universal life policies, which cater to different financial plans and family needs. With growing awareness of the importance of long-term financial planning, many companies are expanding their product offerings to include policies that address specific client demands. The shift toward personalized service is evident, as agencies increasingly focus on customer engagement and tailored solutions.


The companies featured in this list range widely in size, from small family-run agencies like Wagner Insurance Agency to larger firms such as Encova Insurance. Predominantly based in cities like Cincinnati and Columbus, these agencies were founded between 1900 and 2016, showcasing a rich history alongside newer entrants. While they specialize in life insurance, many also provide ancillary services such as retirement planning and investment advice. Their varied approaches reflect regional market demands, as they strive to meet the requirements of both individual consumers and small businesses.


Continue reading to discover Ohio's top life insurance companies.


Top 24 Life Insurance Companies in Ohio


1. Columbus Life Insurance Company


Columbus Life Insurance Company, based in Cincinnati, Ohio, is a private entity that has been operating since 1906. It is part of the Western & Southern Financial Group, which provides a range of financial services, including life insurance, retirement planning, and investment solutions. Columbus Life specializes in offering various life insurance products, such as whole life, universal life, and term life insurance, designed to meet the needs of individuals and businesses alike. The company emphasizes customer service and financial stability, aiming to help clients secure their financial futures through tailored insurance policies. With a workforce of around 59 employees, Columbus Life maintains a focused approach to its operations, ensuring that it remains responsive to the needs of its clients. The company has not reported any recent funding, indicating that it operates on a self-sustaining model within its established framework.


2. Ohio National Financial Services


Ohio National Financial Services, now known as Constellation Insurance, is an insurance company based in Cincinnati, Ohio. Founded in 1909, the company has built a reputation for providing a variety of life insurance products and retirement solutions tailored for consumers and small businesses. Through its subsidiaries, including AuguStar Life and AuguStar Retirement, Constellation Insurance focuses on delivering financial security and effective risk management. The company operates not only in the United States but also in Latin America, offering individual, group, and credit life insurance products. Their financial strength is underscored by solid ratings from independent agencies, reflecting their commitment to disciplined financial management and stability. Constellation Insurance is backed by significant institutional investors, which further enhances its credibility in the market.


3. Wagner Insurance Agency


Wagner Insurance Agency, established in 1936, is a family-owned independent insurance agency based in Dayton, Ohio, with additional offices in West Milton and Lebanon. The agency specializes in a variety of insurance products, including auto, home, business, and notably, life insurance. With a focus on personalized service, Wagner Insurance Agency aims to provide tailored insurance solutions to both individual consumers and businesses. Their experienced staff is dedicated to helping clients navigate their insurance needs, ensuring they find the right coverage at competitive rates. The agency operates across several states, including Ohio, Michigan, Kentucky, Indiana, West Virginia, Georgia, Florida, and Tennessee, reflecting a commitment to serving a broad client base. Wagner Insurance Agency prides itself on its long-standing history and local presence, emphasizing trust and reliability in its service offerings.


4. Thomas-Fenner-Woods Agency, Inc.

  • Website: tfwinsurance.com
  • Ownership type: Private
  • Headquarters: Columbus, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1932
  • Headcount: 11-50
  • LinkedIn: thomas-fenner-woods

Thomas-Fenner-Woods Agency, Inc. is an insurance agency based in Columbus, Ohio, with a history dating back to 1932. Founded by A.C. “Tommy” Thomas during the Great Depression, the agency has built a reputation for integrity and dedicated service. With a workforce of 11-50 employees, they offer a comprehensive range of insurance products, including business, personal, life, and health insurance. The agency operates across 46 states, catering to both individual consumers and businesses. Their approach emphasizes tailored insurance solutions to mitigate risks and ensure financial security for their clients. Over the decades, Thomas-Fenner-Woods has maintained a focus on expert counseling and responsiveness, adapting to the evolving needs of the insurance market while representing reputable and financially sound insurance companies.


5. McBane Insurance and Financial Services


McBane Insurance and Financial Services, established in 1900, is a family-owned insurance agency based in Bergholz, Ohio. With a commitment to serving individuals, families, and businesses, McBane offers a variety of insurance products, including auto, home, life, business, farm, and toy insurance. The agency prides itself on building strong customer relationships and providing tailored insurance solutions. Their independent status allows them to access multiple insurance providers, ensuring clients receive appropriate coverage for their needs. The agency has expanded its reach with offices in Carrollton and Wintersville, Ohio, and emphasizes community involvement and customer service. The McBane family continues to manage the agency, with the fourth generation now involved in operations, reflecting a long-standing tradition of integrity and commitment to client care.


6. Diversified Brokerage Specialists, Inc.

  • Website: dbs50.com
  • Ownership type: Private
  • Headquarters: Blue Ash, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1946
  • Headcount: 11-50
  • LinkedIn: diversified-brokage-specialist

Diversified Brokerage Specialists, Inc. is an insurance brokerage based in Blue Ash, Ohio, established in 1946. The company specializes in a variety of insurance products, prominently featuring life insurance, disability insurance, long-term care insurance, and annuities. They cater to both individual clients and businesses, aiming to provide essential financial protection and planning services. Their approach emphasizes helping clients secure their financial futures through tailored insurance solutions. The firm also offers a range of tools and resources for agents, including training videos and sales tools, which enhance their operational efficiency and client service. This commitment to agent support and client education positions them as a significant player in the insurance market.


7. Mitchell Insurance Agency


Mitchell Insurance Agency, founded in 1993 and based in Plain Township, Ohio, is a private insurance agency that provides a wide array of insurance products. With a workforce of 11-50 employees, the agency serves both individual consumers and businesses across 17 states. Their offerings include auto, home, business, life, and health insurance, with a particular emphasis on life insurance solutions such as individual life insurance, final expense insurance, fixed annuities, and mortgage protection insurance. The agency prides itself on delivering personalized service and support, helping clients navigate their insurance options effectively. With multiple office locations in Ohio, Kentucky, and Florida, Mitchell Insurance Agency has established a presence in the insurance industry, focusing on risk management and asset protection for its clients.


8. Sanderson Insurance Agency, Inc.

  • Website: sandersonagency.com
  • Ownership type: Family Owned
  • Headquarters: Dayton, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1957
  • Headcount: 1-10
  • LinkedIn: sanderson-insurance

Sanderson Insurance Agency, Inc., established in 1957, is a family-owned insurance agency based in Dayton, Ohio. The agency specializes in a variety of insurance products, including auto, home, life, and business insurance. With multiple office locations across Ohio, including Dayton, Cincinnati, and Fairborn, Sanderson Insurance Agency caters to both individual consumers and businesses, providing essential coverage to manage risks and protect assets. The agency prides itself on its commitment to customer service, emphasizing the importance of understanding insurance needs and providing tailored solutions. The team boasts over 100 years of combined insurance experience, with agents holding certifications such as Certified Insurance Service Representatives (CISR) and Certified Insurance Counselors (CIC). Sanderson Insurance Agency aims to be a reliable partner for its clients, ensuring they have the necessary coverage and support when needed.


9. Homestead Insurance Agency

  • Website: homesteadins.com
  • Ownership type: Private
  • Headquarters: Brunswick, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1934
  • Headcount: 11-50
  • LinkedIn: homestead-insurance-agency

Homestead Insurance Agency, based in Brunswick, Ohio, has been serving the insurance needs of individuals and businesses since its founding in 1934. With a team of 15 employees, the agency specializes in a wide range of insurance services, including homeowners, auto, business, life, health, and Medicare insurance. Their approach emphasizes personalized service, ensuring that each client receives tailored insurance solutions that meet their unique needs. Over the years, Homestead has built a reputation for reliability and customer satisfaction, often being recognized as a trusted advisor in the Medina and Brunswick communities. The agency works with a selection of financially sound insurance companies, allowing them to offer competitive coverage options. Their commitment to community service and involvement in local organizations further solidifies their standing in the industry.


10. Encova Insurance

  • Website: encova.com
  • Ownership type: Corporate
  • Headquarters: Columbus, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: May 2023
  • Founded year: 1928
  • Headcount: 1001-5000
  • LinkedIn: encova

Encova Insurance, based in Columbus, Ohio, has been a player in the insurance industry since its founding in 1928. The company provides a wide array of insurance products, including business, personal, and life insurance. Encova serves both individual consumers and businesses, helping them manage risks and protect their assets through comprehensive coverage options. Their life insurance offerings include personal life and business life policies, demonstrating their commitment to this segment. Encova operates through a network of agents, ensuring that clients receive tailored insurance solutions that meet their specific needs. The company has received recognition for its innovative approaches and has been active in enhancing its product offerings to better serve its policyholders.


11. International Insurance Group, Inc.


International Insurance Group, Inc. is a private insurance agency based in North Royalton, Ohio, founded in 2006. With a team of approximately 35 employees, the company provides a range of insurance products, including auto, homeowners, business, and life insurance. They cater to both individual consumers and businesses, focusing on risk management and financial protection through tailored insurance solutions. The agency emphasizes customer service and aims to build strong relationships with clients, overcoming language barriers to ensure comprehensive support. They have access to multiple A-rated carriers, which allows them to offer competitive coverage options. Their commitment to client satisfaction is evident in their approach to providing personalized insurance solutions, including life insurance products such as term and cash value policies.


12. SSIP Insurance Partners

  • Website: 1ssip.com
  • Ownership type: Private
  • Headquarters: Mansfield, Ohio, United States (USA)
  • Founded year: 2009
  • Headcount: 201-500
  • LinkedIn: ssip-insurance-partners

SSIP Insurance Partners, based in Mansfield, Ohio, is an insurance agency that specializes in a wide array of insurance products, prominently featuring life insurance. Established in 2009, the company has built a reputation for providing tailored insurance solutions that cater to individuals, families, and businesses. Their offerings include life insurance, health insurance, Medicare supplements, and legacy planning services. SSIP Insurance Partners prides itself on its integrity-driven approach, aiming to make a positive difference in the lives of its clients. The agency supports its agents with extensive training and resources, ensuring they are well-equipped to assist clients in navigating their insurance needs. With a focus on comprehensive financial protection, SSIP Insurance Partners positions itself as a reliable partner for those looking to secure their financial future.


13. Leugers Insurance Agency, Inc

  • Website: leugersins.com
  • Ownership type: Private
  • Headquarters: Maria Stein, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1914
  • Headcount: 11-50
  • LinkedIn: leugers-insurance-agency-inc

Leugers Insurance Agency, Inc., based in Maria Stein, Ohio, has been serving clients since 1914. This independent insurance agency offers a comprehensive range of insurance products and financial services tailored to meet the needs of individuals and businesses. Their offerings include personal, agricultural, business, life, Medicare, and health insurance, alongside financial planning and investment management services. The agency prides itself on its customer-centric approach, emphasizing the importance of understanding client needs and providing tailored solutions. With a team of knowledgeable professionals, Leugers Insurance Agency aims to simplify the insurance process for its clients, ensuring they receive the coverage that best fits their circumstances. The agency operates multiple offices across Ohio, enhancing its accessibility to clients in the region.


14. Gem-Young Insurance & Wealth Advisors


Gem-Young Insurance & Wealth Advisors, based in Canfield, Ohio, is a family-owned insurance agency that has been serving clients since 1947. The agency specializes in providing a wide array of insurance products, including personal and business insurance, as well as financial planning services. Their offerings include individual life insurance, disability insurance, and long-term care insurance, catering to both individual consumers and businesses. With a team of experienced agents, Gem-Young emphasizes a client-centered approach, aiming to address the unique risks faced by their clientele. They are licensed to operate in multiple states, including Ohio, Arizona, Florida, Pennsylvania, and West Virginia, which allows them to extend their services beyond their local community. Their commitment to customer satisfaction is reflected in positive client feedback, showcasing their dedication to providing quality service and comprehensive coverage.


15. Green Insurance Agency

  • Website: greeninsuranceagency.net
  • Ownership type: Private
  • Headquarters: Marysville, Ohio, United States (USA)
  • Employee distribution: Puerto Rico 68%, United States (USA) 32%
  • Founded year: 2016
  • Headcount: 1-10
  • LinkedIn: green-insurance-agency

Green Insurance Agency, founded in 2016 and located in Marysville, Ohio, is a private insurance agency that provides a wide array of insurance products. The agency caters to both individual consumers and businesses, offering tailored solutions to manage risks and protect assets. Their offerings include auto, home, life, and business insurance, with a notable emphasis on life insurance products such as life insurance quotes, annuities, and final expense insurance. The agency operates with a small team, employing around 28 individuals, and has a significant employee distribution in Puerto Rico. Green Insurance Agency transitioned from being a captive agent to an independent agency in 2018, allowing them to partner with multiple insurance carriers to better serve their clients. This shift reflects their commitment to finding optimal coverage for their clients at competitive prices. They emphasize building relationships with clients to ensure that their insurance needs are met effectively.


16. McMichael Insurance Agency


McMichael Insurance Agency, established in 1976 and located in Streetsboro, Ohio, is a family-owned insurance agency that provides a wide array of insurance products. Their offerings include personal insurance, business insurance, life insurance, and Medicare insurance. The agency prides itself on delivering personalized service, ensuring that clients receive tailored coverage that meets their specific needs. With a team of approximately 20 employees, McMichael Insurance Agency emphasizes a strong client experience, aiming to build lasting relationships with both individual consumers and businesses. They have garnered a solid reputation, reflected in their high customer ratings and positive reviews, which highlight their responsiveness and commitment to client satisfaction. The agency operates without reported external funding, indicating a stable, self-sustaining business model that has thrived for nearly five decades.


17. Howe Insurance Services, Ltd.


Howe Insurance Services, Ltd. is a private insurance agency based in Caldwell, Ohio, established in 1981. The company specializes in life insurance products tailored for senior citizens, particularly focusing on final expense and funeral insurance. With a mission to provide financial peace of mind, Howe Insurance Services aims to alleviate the burden of funeral costs and other final expenses for families. They represent over 100 different insurance programs from various providers, ensuring that clients can find policies that fit their specific needs and budgets. The agency is veteran-owned and has been recognized with an A+ rating from the Better Business Bureau, reflecting their commitment to customer service and reliability. Over the years, they have issued and paid out more than one billion dollars in life insurance, demonstrating their significant involvement in the industry and their capacity to meet client needs effectively.


18. Hosket Ulen Insurance Solutions


Hosket Ulen Insurance Solutions is an independent insurance agency based in Dublin, Ohio, with a history dating back to 1968. The company was formed in 2009 when the Hosket family partnered with John Ulen, who had previously owned Ulen Insurance. With a workforce of approximately 35 employees, Hosket Ulen provides a wide range of insurance products, including personal, business, and employee benefits insurance. Their offerings include life insurance, which is a critical component of their personal insurance services. The agency operates multiple locations across Ohio and serves clients throughout the United States and abroad. They emphasize risk management and asset protection, aiming to build trust and long-term relationships with their clients. Their commitment to community involvement and customer service further solidifies their position in the insurance industry.


19. Kernan Insurance Agency

  • Website: kernaninsurance.com
  • Ownership type: Private
  • Headquarters: Powell, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1993
  • Headcount: 11-50
  • LinkedIn: kernan-insurance

Kernan Insurance Agency, established in 1993, is a private insurance agency located in Powell, Ohio. With a team of 11 to 50 employees, the agency specializes in a variety of insurance products, including life insurance, auto insurance, home insurance, and business insurance. The agency initially focused on property and casualty insurance, particularly for small to medium-sized contractors, but has since expanded its offerings to include personal insurance lines. Kernan Insurance Agency prides itself on providing customized insurance solutions that cater to the unique needs of its clients. The agency's staff possesses extensive experience in the insurance industry, which enhances their ability to serve clients effectively. They represent several reputable insurance carriers, allowing them to tailor policies that best fit their clients' requirements. Kernan Insurance Agency has built a solid reputation for customer service, as evidenced by positive client feedback, and continues to be a relevant player in the insurance market.


20. Frost Insurance Agency, Inc.

  • Website: frostins.com
  • Ownership type: Private
  • Headquarters: Napoleon, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1945
  • Headcount: 11-50
  • LinkedIn: frost-insurance-agency-inc-

Frost Insurance Agency, Inc., founded in 1945, is a private insurance agency based in Napoleon, Ohio. With a team of approximately 35 employees, the agency focuses on delivering a range of insurance products, including auto, home, life, and business insurance. Frost Insurance serves both individual consumers and businesses in Northwest Ohio, emphasizing personalized service and risk management. The agency prides itself on building lasting relationships with clients, treating them like family, and providing tailored insurance solutions from multiple carriers. This approach allows them to cater to the unique needs of their clients, ensuring they have the right coverage for their specific situations. Frost Insurance Agency has established itself as a trusted choice in the local community, with offices in both Napoleon and Holgate, Ohio.


21. Lyndall Insurance

  • Website: lyndallinsurance.com
  • Ownership type: Family Owned
  • Headquarters: Chagrin Falls, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1971
  • Headcount: 11-50
  • LinkedIn: lyndall-insurance

Lyndall Insurance is a family-owned independent insurance agency based in Chagrin Falls, Ohio, established in 1971. The agency offers a variety of insurance products, including auto, home, commercial, and notably, life insurance. With a team of around 33 employees, Lyndall Insurance prides itself on delivering personalized service to both individual consumers and businesses. The agency's independence allows it to provide clients with a range of coverage options from multiple carriers, ensuring that clients receive the best possible solutions tailored to their specific needs. Over the years, Lyndall Insurance has built strong relationships within the community, focusing on customer satisfaction and proactive service. The agency has also expanded through mergers and acquisitions, integrating other local agencies to enhance its service offerings and maintain its commitment to client care.


22. Safe Harbor Insurance


Safe Harbor Insurance Agency, based in Huron, Ohio, was founded in 2008 by Mark Schnieders. This independent agency provides a wide array of insurance products, including auto, home, boat, motorcycle, commercial, and life insurance. With a small team of licensed agents, Safe Harbor Insurance emphasizes personalized service and annual policy reviews to ensure clients receive the best coverage at competitive rates. The agency represents only top-rated carriers, which allows them to tailor insurance solutions to meet the specific needs of both individual consumers and businesses. Their commitment to customer service and proactive policy management sets them apart in the local insurance market.


23. The Uhl Agency

  • Website: uhlagency.com
  • Ownership type: Private
  • Headquarters: Dayton, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1958
  • Headcount: 11-50
  • LinkedIn: the-uhl-agency

The Uhl Agency, established in 1958 and based in Dayton, Ohio, is an independent insurance agency that provides a variety of insurance solutions tailored for individuals, families, and businesses. With a team of 13 employees, many of whom hold insurance licenses, the agency has built a reputation for its commitment to risk management and customer education. The Uhl Agency offers life, health, and disability insurance alongside personal and business insurance products. It is licensed to operate in 30 states and has developed strong partnerships with various insurance companies to deliver comprehensive coverage options. The agency has been recognized in the Dayton community for its service and has a history of involvement in local programs and non-profit organizations, reflecting its commitment to community engagement.


24. Berry Insurance Group, Inc.


Berry Insurance Group, Inc., founded in 2002 and based in Terrace Park, Ohio, operates as a private insurance agency. With a team of 21 employees, the company specializes in a wide array of insurance products, including personal, business, employee benefits, and notably, life insurance. Their approach emphasizes personalized service, aiming to build long-lasting relationships with clients. Berry Insurance Group has grown significantly since its inception, becoming one of the prominent agencies in Greater Cincinnati. In 2020, they joined forces with Brown & Brown Insurance, a major player in the insurance brokerage industry, which has further strengthened their service offerings. The agency is dedicated to continuous education and professional development, ensuring their team remains knowledgeable about industry changes and client needs. This commitment to service and expertise positions Berry Insurance Group as a relevant player in the life insurance market.



Life Insurance Insights: Key Companies in Ohio


CompanyHeadquarterSizeFoundedOwnership
Columbus Life Insurance CompanyCincinnati, Ohio, United States (USA)1001-50001906Private
Ohio National Financial ServicesCincinnati, Ohio, United States (USA)1001-50001909Private
Wagner Insurance AgencyDayton, Ohio, United States (USA)1-101936Family Owned
Thomas-Fenner-Woods Agency, Inc.Columbus, Ohio, United States (USA)11-501932Private
McBane Insurance and Financial ServicesBergholz, Ohio, United States (USA)11-501900Family Owned
Diversified Brokerage Specialists, Inc.Blue Ash, Ohio, United States (USA)11-501946Private
Mitchell Insurance AgencyPlain Township, Ohio, United States (USA)11-501993Private
Sanderson Insurance Agency, Inc.Dayton, Ohio, United States (USA)1-101957Family Owned
Homestead Insurance AgencyBrunswick, Ohio, United States (USA)11-501934Private
Encova InsuranceColumbus, Ohio, United States (USA)1001-50001928Corporate
International Insurance Group, Inc.North Royalton, Ohio, United States (USA)11-502006Private
SSIP Insurance PartnersMansfield, Ohio, United States (USA)201-5002009Private
Leugers Insurance Agency, IncMaria Stein, Ohio, United States (USA)11-501914Private
Gem-Young Insurance & Wealth AdvisorsCanfield, Ohio, United States (USA)11-501947Family Owned
Green Insurance AgencyMarysville, Ohio, United States (USA)1-102016Private
McMichael Insurance AgencyStreetsboro, Ohio, United States (USA)11-501976Family Owned
Howe Insurance Services, Ltd.Caldwell, Ohio, United States (USA)201-5001981Private
Hosket Ulen Insurance SolutionsDublin, Ohio, United States (USA)11-501968Private
Kernan Insurance AgencyPowell, Ohio, United States (USA)11-501993Private
Frost Insurance Agency, Inc.Napoleon, Ohio, United States (USA)11-501945Private
Lyndall InsuranceChagrin Falls, Ohio, United States (USA)11-501971Family Owned
Safe Harbor InsuranceHuron, Ohio, United States (USA)1-102008Private
The Uhl AgencyDayton, Ohio, United States (USA)11-501958Private
Berry Insurance Group, Inc.Terrace Park, Ohio, United States (USA)11-502002Private


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