Life insurance in Cincinnati, OH

Life insurance is easy to handle from a distance, and that's how we help Cincinnati families. Asshield™ is an independent agency based in Lexington, Kentucky. Our licensed life agent works with Ohio clients by phone, video, email and e-signature. We don't have a Cincinnati office. Our office is at 2240 Executive Dr Ste 103, Lexington, KY 40505, (859) 368-0162.

Request a life quote Call (859) 368-0162

Life insurance companies we can shop

Asshield is an independent agency; we can shop life insurance from companies such as Protective, Banner Life, Symetra, John Hancock, Prudential, Lincoln Financial, Pacific Life, Nationwide, Principal and Mutual of Omaha (United of Omaha). Availability depends on your state and underwriting.

Why Cincinnati families usually call

• A new house. Whether it's a starter home in Westwood or a move to Mason or Anderson Township, a term policy sized to the mortgage can help your family keep it.
• Kids. Term life often covers the years until the kids are grown, and for some families it includes college.
• A job change. Group life through a large employer, whether a consumer-goods company downtown, a hospital system or GE Aerospace in Evendale, usually ends when you leave. An individual policy stays with you.
• Final expenses. Many older adults want funeral costs and final bills handled so their children don't have to.
• Business owners. Partners and key people sometimes need coverage to keep a business going.

Term, permanent and final expense, briefly

• Term life covers a set period, often 10, 20 or 30 years.
• Whole life and other permanent coverage lasts your lifetime, and some policies build cash value. It costs more than term for the same death benefit, so we'll explain when it fits.
• Final expense policies are smaller permanent policies for funeral costs and final bills. Health questions and waiting periods vary by company.

How it works from a distance

1. A phone or video call about who depends on you, your debts and your goals.
2. We compare options from the life companies we're appointed with.
3. You apply by e-signature. If a paramedical exam is needed, it can usually be scheduled at your home or office in the Cincinnati area.
4. The life company makes the underwriting decision, and we stay with you through it.

Questions we hear

Can I buy life insurance from an agency based in Kentucky if I live in Ohio?

Yes, as long as the agent is licensed in Ohio. Everything can be handled by phone, email and e-signature, and any exam can usually be scheduled near you.

How much life insurance do I need?

It depends on your income, debts, kids and savings. We'll work through it with you; there's no one right number.

Is life insurance through work enough?

It's a good start, but it's often a set multiple of salary and usually ends when you leave the job. Many families add an individual term policy they control.

Is life insurance an investment?

We treat it as protection. We don't give investment advice.

(859) 368-0162 · Request a quote · Served from Asshield Insurance, 2240 Executive Dr Ste 103, Lexington, KY 40505.

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Disclaimer: Educational only; not a policy, quote, coverage guarantee or investment advice. Availability depends on age, health, state and the life company.

Educational only — not a quote, not legal advice, and not a coverage guarantee. Coverage, eligibility, and pricing are set by each carrier and vary by ZIP, property or driver details, and underwriting. Talk with a licensed Asshield™ agent about what fits your situation.