Protective Insurance offers the best life insurance plans in Ohio and across the country, earning a MoneyGeek score of 4.7 out of 5 for customer service, affordability, and coverage options. We also recommend Guardian Life, Lincoln Financial and Prudential as some of the best alternatives for different categories.
Best Life Insurance Companies in Ohio (2025)
MoneyGeek scored the best life insurance companies in Ohio based on thousands of quotes and reviews to help you find your ideal policy.
Discover affordable life insurance in Ohio below.
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Updated: October 27, 2025
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Key Takeaways
The best life insurance companies in Ohio are Protective Insurance, Guardian Life, Lincoln Financial and Prudential.
Life insurance costs don't vary by location. Lincoln Financial offers the most affordable options in Ohio and nationwide, with monthly rates averaging $30 for women and $35 for men for a $500,000 20-year term life insurance policy.
The top life insurance company in Ohio varies by policy type. Legal & General offers the best term life coverage. Pacific Life ranks first for no-exam term policies. For permanent life insurance, North American, Ethos and Mutual of Omaha are the best insurers.
To get the best life insurance in Ohio, we recommend deciding on coverage beforehand, researching costs and companies, and comparing plenty of providers.
Best Life Insurance Providers in Ohio
Overall | Protective Insurance | 4.7 | $44 (men) $37 (women) | $532 (men) $443 (women) |
Customer Experience | Guardian Life | 4.6 | $51 (men) $40 (women) | $612 (men) $480 (women) |
Affordability | Lincoln Financial | 4.5 | $35 (men) $30 (women) | $417 (men) $359 (women) |
Coverage Options | Prudential | 4.1 | $61 (men) $48 (women) | $735 (men) $578 (women) |
We based these rates on average quotes for adult (ages 30–49) nonsmokers with a $500,000 20-year term policy. These are estimates based on MoneyGeek's analysis and may not reflect your actual premium. Actual rates vary based on health, lifestyle, and other underwriting factors. Contact insurers directly for personalized quotes.
Best Overall: Protective
Protective
MoneyGeek Rating
4.7/ 5
4.8/5Affordability
4.6/5Customer Experience
4.3/5Coverage Options
Average Monthly Cost
$44 (men); $37 (women)Based on a 20-year term policy with $500,000 coverage amount for adult (ages 30–49) nonsmokers with average weight and health ratings.Average Annual Cost
$532 (men); $443 (women)Based on a 20-year term policy with $500,000 coverage amount for adult (ages 30–49) nonsmokers with average weight and health ratings.
Best Customer Experience: Guardian Life
Guardian Life
MoneyGeek Rating
4.6/ 5
4.6/5Affordability
4.9/5Customer Experience
4/5Coverage Options
Average Monthly Cost
$51 (men); $40 (women)Based on a 20-year term policy with $500,000 coverage amount for adult (ages 30–49) nonsmokers with average weight and health ratings.Average Annual Cost
$612 (men); $480 (women)Based on a 20-year term policy with $500,000 coverage amount for adult (ages 30–49) nonsmokers with average weight and health ratings.
Most Affordable: Lincoln Financial
Lincoln Financial
MoneyGeek Rating
4.5/ 5
5/5Affordability
3.6/5Customer Experience
4.5/5Coverage Options
Average Monthly Cost
$35 (men); $30 (women)Based on a 20-year term policy with $500,000 coverage amount for adult (ages 30–49) nonsmokers with average weight and health ratings.Average Annual Cost
$417 (men); $359 (women)Based on a 20-year term policy with $500,000 coverage amount for adult (ages 30–49) nonsmokers with average weight and health ratings.
Best Coverage Options: Prudential
Prudential
MoneyGeek Rating
4.1/ 5
4.2/5Affordability
3.4/5Customer Experience
4.8/5Coverage Options
Average Monthly Cost
$61 (men); $48 (women)Based on a 20-year term policy with $500,000 coverage amount for adult (ages 30–49) nonsmokers with average weight and health ratings.Average Annual Cost
$735 (men); $578 (women)Based on a 20-year term policy with $500,000 coverage amount for adult (ages 30–49) nonsmokers with average weight and health ratings.
Best Life Insurance in Ohio by Policy Type
While the top life insurance provider is a good choice for many in Ohio, your best option might differ based on your personal needs. The next section will outline the top providers for different types of life insurance.
Whole and Universal | North American | 5 | Whole: $691 (men) $602 (women) Universal: $295 (men) $251 (women) | Whole: $8,287 (men) $7,221 (women) Universal: $3,535 (men) $3,016 (women) |
Indexed Universal | Ethos | 5 | $328 (men) $275 (women) | $3,935 (men) $3,297 (women) |
Term | Legal & General | 4.7 | $44 (men) $35 (women) | $523 (men) $415 (women) |
Guaranteed Acceptance | Mutual of Omaha | 4.7 | $40 (men) $30 (women) | $482 (men) $365 (women) |
No-Exam | Pacific Life | 4.5 | $47 (men) $39 (women) | $566 (men) $464 (women) |
Rates are estimates based on MoneyGeek's analysis and may not reflect your actual premium. Individual rates vary based on health, lifestyle, and other underwriting factors. Contact insurers directly for personalized quotes.
Best Whole and Universal: North American
North American
MoneyGeek Rating
5/ 5
5/5Affordability
5/5Customer Experience
5/5Coverage Options
Average Monthly Cost
Whole: $691 (men); $602 (women) Universal: $295 (men); $251 (women)Based on average quotes for adult (ages 30–49) nonsmokers with $500,000 coverage amount.Average Annual Cost
Whole: $8,287 (men); $7,221 (women) Universal: $3,535 (men); $3,016 (women)Based on average quotes for adult (ages 30–49) nonsmokers with $500,000 coverage amount.
Best Indexed Universal: Ethos
Ethos
MoneyGeek Rating
5/ 5
5/5Affordability
5/5Customer Experience
5/5Coverage Options
Average Monthly Cost
$328 (men); $275 (women)Based on average quotes for adult (ages 30–49) nonsmokers with $500,000 coverage amount.Average Annual Cost
$3,935 (men); $3,297 (women)Based on average quotes for adult (ages 30–49) nonsmokers with $500,000 coverage amount.
Best Term: Legal & General
Legal & General
MoneyGeek Rating
4.7/ 5
4.7/5Affordability
4.7/5Customer Experience
4.7/5Coverage Options
Average Monthly Cost
$44 (men); $35 (women)Based on average quotes for an adult (ages 30–49) nonsmoker with a 20-year term policy and $500,000 coverage amount.Average Annual Cost
$523 (men); $415 (women)Based on average quotes for an adult (ages 30–49) nonsmoker with a 20-year term policy and $500,000 coverage amount.
Best Guaranteed Acceptance: Mutual of Omaha
Mutual of Omaha
MoneyGeek Rating
4.7/ 5
4.9/5Affordability
4.5/5Customer Experience
4.8/5Coverage Options
Average Monthly Cost
$40 (men); $30 (women)Based on average quotes for 50-year-old nonsmokers with $10,000 coverage amount.Average Annual Cost
$482 (men); $365 (women)Based on average quotes for 50-year-old nonsmokers with $10,000 coverage amount.
Best No-Exam Term: Pacific Life
Pacific Life
MoneyGeek Rating
4.5/ 5
4.4/5Affordability
4.5/5Customer Experience
4.7/5Coverage Options
Average Monthly Cost
$47 (men); $39 (women)Based on average quotes for a 40-year-old with a 20-year term policy and $500,000 coverage amount.Average Annual Cost
$566 (men); $464 (women)Based on average quotes for a 40-year-old with a 20-year term policy and $500,000 coverage amount.
Compare Personalized Best Ohio Life Insurance Picks
To help you find the perfect life insurance plan, we've added a filterable table below that tailors our recommendations to fit your profile.
Data filtered by:
Select
Male
$500,000
10 years
| Lincoln Financial | $24 | $285 |
| North American | $29 | $349 |
| Midland National | $29 | $349 |
| Protective Insurance | $29 | $350 |
| Transamerica | $30 | $359 |
| Principal National | $31 | $372 |
| CoreBridge | $32 | $381 |
| Securian | $32 | $383 |
| Guardian Life | $33 | $396 |
| Legal & General | $33 | $397 |
| Pacific Life | $33 | $397 |
| Cincinnati Life | $33 | $399 |
| SBLI | $34 | $410 |
| Nationwide | $34 | $411 |
| AAA | $34 | $412 |
| Gerber Life (Fabric) | $35 | $426 |
| Columbus Life | $36 | $429 |
| Fidelity Life | $37 | $435 |
| Mutual of Omaha | $37 | $444 |
| Equitable Life | $37 | $445 |
| Assurity | $37 | $446 |
| Foresters Financial | $38 | $454 |
| Life Insurance Co of The South West | $38 | $456 |
| National Life Group | $38 | $456 |
| Ameritas | $41 | $492 |
| John Hancock | $41 | $495 |
| Prudential | $42 | $506 |
| Ethos | $99 | $1,188 |
Rates are based on a term life insurance policy for nonsmokers with average weight and health ratings. Individual costs will vary based on policy type and your profile. Rates in this table may differ from those mentioned in the best companies' profiles, as we used an age range of 30-49 for main comparisons.
How to Find the Best Life Insurance in Ohio
We've highlighted key tips below to guide you in finding the right life insurance plan for your needs.
- 1Decide coverage beforehand
Determining your life insurance coverage needs is crucial before purchasing. This allows you to compare prices accurately and avoid being upsold by agents.
- 2Research costs for your profile
Check the average life insurance costs for your coverage level and personal profile. This helps assess if you’re getting a fair deal. Location doesn't affect life insurance rates.
- 3Compare company reputations
Rates don’t fluctuate by location, but a company's local reputation can guide you to a better choice. Use resources like J.D. Power, online forums and independent agents to find suitable providers.
- 4Compare quotes through multiple avenues
Compare quotes to secure the best value. Pricing can differ depending on where you acquire quotes, whether from an independent agent, an online source, or a captive provider agent.
Best Life Insurance in Ohio: Bottom Line
We found that the top life insurance companies in Ohio are Protective Life, Guardian Life, Lincoln Financial, and Prudential. If you want to compare the best insurers based on policy type, North American, Ethos, Legal & General, Mutual of Omaha, and Pacific Life are worth considering. While these are our recommendations, you should do your own research, decide on a coverage level and compare quotes.
Ohio Life Insurance: FAQ
Explore expert answers to your life insurance questions in Ohio.
What is the best life insurance in Ohio?
In Ohio, Protective Insurance offers the best overall life insurance with its top-rated customer service, competitive rates, and strong life coverage options.
How do you get the best life insurance in Ohio?
To secure the best life insurance in Ohio, assess your coverage needs, scrutinize insurer reputations, and methodically compare rates and policies from multiple companies.
Do life insurance rates differ by state?
Life insurance rates are consistent across states, but state-specific coverage options and riders can differ.
How We Decided the Best Life Insurance in Ohio
Our evaluation assigns points across three weighted areas.
- Affordability receives 55% emphasis because sustainable premiums determine whether you can maintain financial protection year after year.
- Customer experience gets 30% weight since beneficiary claim experiences directly impact your family's financial recovery.
- Coverage options earn 15% to ensure sufficient product variety for different financial protection needs.
Quote Collection Process
We used a nonsmoker baseline with average height, weight and health metrics for rate gathering. This standard profile allowed fair comparisons between insurers. We subsequently varied age, gender, height, weight, tobacco status and health ratings to capture diverse pricing scenarios.
Unless otherwise stated, quotes for the best life insurance companies in Ohio are based on average quotes from the 30-49 age demographic.
Analysis incorporated:
- Online quote data across varying term periods and death benefit amounts
- Financial strength verification through A.M. Best ratings and company establishment dates
- Service quality measurement using NAIC complaint indices and J.D. Power customer satisfaction data
- Digital tool assessment, including online resources and payment option flexibility
- Product portfolio evaluation spanning term and permanent life insurance categories
This systematic approach identifies insurers offering a genuine value proposition, combining competitive pricing with operational reliability that protects your family's financial future in Ohio.
About Mark Fitzpatrick
Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.
Mark earned a master's degree in Economics and International Relations from Johns Hopkins University and a bachelor's degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.