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Dayton · Montgomery County · OH

Life Insurance Agents in Dayton, Ohio

These licensed life insurance agents serve Dayton and the surrounding area, quoting several carriers so you can compare term, whole life, and final expense pricing before you apply.

Agents listed for Dayton
99Agents listed for Dayton
Life insurance carriers these agents are appointed with
45Life insurance carriers these agents are appointed with
Cost to you. Agents are paid by the carrier.
$0Cost to you. Agents are paid by the carrier.

Life Insurance Agents based in or serving Dayton

Profiles marked "unclaimed" come from public licensing records and have not been reviewed by the agent.

See all 99 agents

Carriers appointed locally by coverage type

Counted from public licensing records for agents listed in Dayton, OH. A carrier appointment means the agent may sell that carrier's plans; it is not a recommendation.

Coverage typeCarriersAppointed agents
Life insurance4561
Annuities3452
Final expense1530
Disability813
Long-term care67

Life insurance basics for Ohio

Life insurance is regulated by the Ohio Department of Insurance, and every agent selling it must hold a Ohio life license. Pricing varies widely between carriers for the same person, which is why an independent agent who quotes several carriers is worth a call before you buy.

All life insurance agents in Ohio

Questions about life insurance agents in Ohio

Is a life insurance agent free to work with?

Yes. Life insurance agents are paid a commission by the carrier that issues your policy. Your premium is the same whether you buy through an agent or directly.

What is final expense insurance?

A small whole life policy, usually between a few thousand and thirty thousand dollars, designed to cover funeral costs and small debts. It is popular with people over 50 because approval is simplified and the premium never changes.

Term or whole life: which do I need?

Term life covers a set number of years for a low premium and suits income replacement while you have a mortgage or young children. Whole life lasts your entire life and builds cash value at a higher premium. An independent agent can quote both across several carriers.

Can I buy life insurance if I have health conditions?

Often, yes. Carriers price conditions differently, which is exactly why an independent agent who works with several carriers can matter. Some policies use simplified or guaranteed underwriting with no medical exam.

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