Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Ohio before hiring.
Showing 4 life insurance agents in Kirtland, OH
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Lori Smul - State Farm Insurance Agent
8281 Euclid Chardon Rd E, Kirtland, OH 44094
(440) 942-8366
lorismulinsurance.com
THE HOLTZ GROUP ltd.
9328 Chillicothe Rd A, Kirtland, OH 44094
(440) 479-4032
Yert Insurance Agency
9175 Chillicothe Rd, Kirtland, OH 44094
(440) 256-8920
yertinsurance.com
How Medicare Works
9328 Chillicothe Rd, Kirtland, OH 44094
(440) 290-4119
howmedicareworks.net
What Does a Life Insurance Agent in Kirtland Cost?
Life insurance costs in Ohio vary by age, health, coverage amount, and policy type. A healthy 35-year-old in Kirtland might pay 20 to 40 dollars per month for a 20-year term policy with 250,000 dollars in coverage. Smokers and older individuals will pay more. Whole life policies cost significantly more, often 100 to 300 dollars per month for similar coverage. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What license does a life insurance agent in Kirtland need?
Agents must hold an Ohio resident insurance license from the Ohio Department of Insurance. This requires passing a state exam and completing continuing education every two years.
How long do I have to contest a life insurance claim in Ohio?
Ohio law gives insurers a two-year contestability period from the policy issue date. After two years, the insurer cannot deny a claim based on misstatements in the application except for fraud.
Can I buy life insurance in Kirtland without a medical exam?
Yes, many agents offer simplified issue or guaranteed issue policies that do not require a medical exam. These policies often have lower coverage limits and higher premiums than fully underwritten plans.