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Last updatedSeptember 2025

Best Whole Life Insurance Policies in Ohio 2025

Get covered for the rest of your life.

Protect your family from unforeseen financial burdens with one of these top whole life insurance companies.

Reviewed by
Holly Johnson
Finance and Insurance Expert
Holly Johnson is a money and insurance expert who has covered personal finance, credit cards and insurance for over a decade. She is passionate about explaining the ins and outs of financial products to consumers, and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love." She lives in Indiana with her husband and children.
Finance and Insurance Expert
Whole Life
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Final Expense
Final Expense
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Universal life
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Above 55
1
Fast Application
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9.6
BestMoneyscore
Popularity
Based on visits in the past 7 days
10.0
Brand Reputation
Based on web trends
9.1
Features & Benefits
Based on our editorial reviews
9.4

SelectQuote

America’s #1 Whole Life sales agency
Guaranteed coverage for ages 45-85
Some plans around $1/day
Secure your rate that never goes up
Flexible coverage to fit your needs

2,013 peoplevisited this site this week

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2
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9.3
BestMoneyscore
Popularity
Based on visits in the past 7 days
9.0
Brand Reputation
Based on web trends
9.6
Features & Benefits
Based on our editorial reviews
9.8

Mutual of Omaha

Guarantee issue permanent life insurance
Lock in benefits for end of life
Simple 4-step application
Top-ranking in customer satisfaction
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3
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8.6
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.3
Brand Reputation
Based on web trends
8.5
Features & Benefits
Based on our editorial reviews
9.4

Corebridge Direct

A trusted partner in life protection over 30 years
Custom whole life insurance policies
Dependable lifetime protection for your family
Quality insurance coverage providing cash value
Request your free, personalized quote
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4
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8.1
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.5
Brand Reputation
Based on web trends
8.0
Features & Benefits
Based on our editorial reviews
9.4

Gerber Life Grow-Up® Plan

Whole life insurance that grows with your child or grandchild
Trusted by 1M+ parents and grandparents
Apply online in minutes
Coverage amount doubles at age 18
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11,431 visitors

connected with an insurer this week

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BestMoney Total Score
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BestMoney measures user engagement based on the number of clicks each listed brand received in the past 7 days. The number of clicks to each brand will be measured against other brands listed in the same query. Therefore, the higher the share of clicks a brand receives in any specific query, the higher the Click Trend Score. BestMoney accepts advertising compensation from companies, which impacts their (and/or their products’) position, and in some cases, may also affect their Click Trend Score.
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Semrush is a trusted and comprehensive tool that offers insights about online visibility and performance. The BestMoney Total Score will consist of the brand's reputation from Semrush. The brand reputation is based on Semrush's analysis of clickstream data, which includes user behavior, search patterns, and engagement, to accurately measure each brand's prominence, credibility, and trustworthiness. If a brand does not have a Semrush score, the BestMoney Total Score will be based solely on the Click Trend Score and Products & Features Score (read below).
Features & Benefits
BestMoney’s editorial team researches and reviews financial products based on factors such as: range of products and services offered, ease-of-use, online accessibility, customer service, special awards, and more. Each brand is then given a score based on the offerings in each parameter. The specific parameters which we use to evaluate the score of each product can be found on its review page.
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Mutual of Omaha
Corebridge Direct
Gerber Life Grow-Up® Plan
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Most Popular On BestMoney
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9.6
BestMoneyscore
Popularity
Based on visits in the past 7 days
10.0
Brand Reputation
Based on web trends
9.1
Features & Benefits
Based on our editorial reviews
9.4

SelectQuote

America’s #1 Whole Life sales agency
Guaranteed coverage for ages 45-85
Some plans around $1/day
Secure your rate that never goes up
Flexible coverage to fit your needs

2,013 peoplevisited this site this week

VIEW RATES
Read Review
FAQ
1. What is whole life insurance and who should consider it?
Whole life insurance is a type of permanent life insurance that lasts your entire life. It includes a cash value component that grows over time and can be borrowed against. It may be a good option for individuals looking for permanent coverage, estate planning benefits, or a way to leave a financial legacy.
2. How is whole life insurance different from term life insurance?
Whole life insurance provides lifelong coverage and builds cash value, while term life insurance only lasts for a set number of years and does not accumulate cash value. Because of this, whole life insurance is generally more expensive than term life insurance, with premiums depending on your age, health, coverage amount, and insurer.
3. Can I withdraw or borrow money from my whole life insurance policy?
Yes, you can take out a loan or withdraw money from the policy’s cash value. However, unpaid loans may reduce the death benefit.
4. What can whole life insurance be used to cover?
Whole life insurance can serve multiple purposes beyond basic financial protection. It can provide a safety net for dependents, leave an inheritance or financial legacy, and pay off debts, including estate taxes. Additionally, it can help fund a business succession plan and supplement retirement savings through the growth of its cash value over time.

How to Choose the Best Whole Life Insurance Company in 2025

Choosing a reliable whole life insurance company ensures long-term financial strength and cash value growth. The best whole life insurance providers balance financial stability, dividend history, and policy flexibility to meet your evolving needs.

What Is Whole Life Insurance?

Whole life insurance is a type of whole life insurance policy that provides lifetime coverage with fixed premiums and a growing cash value. You can borrow from this value or withdraw it over time.

  • Lifelong protection: Your coverage lasts as long as you pay premiums
  • Cash value growth: Funds grow tax-deferred and offer flexible access

What Are the Types of Whole Life Insurance?

Several types of whole life insurance suit different goals:

  • Traditional Whole Life: Fixed payments and guaranteed value
  • Universal Life: Flexible premiums and death benefits
  • Indexed Universal Life (IUL): Returns linked to stock index performance
  • Variable Life: Invests cash value in the market (higher risk and reward)

These variations can be customized to match your financial strategy.

Pros and Cons of Whole Life Insurance

Pros
Cons
Lifelong coverageHigher cost than term life insurance
Guaranteed cash value growthSlow value build-up in early years
Fixed premiumsLess flexible than universal life options
Potential dividends (participating plans)Requires long-term financial commitment
Helps with estate planning and savingsMay not suit short-term or low-budget needs

Who Should Consider Whole Life Insurance?

Whole life insurance works well for:

  • High earners wanting tax-deferred savings
  • Estate planners securing wealth transfer
  • Seniors needing final expense coverage
  • People looking to grow guaranteed cash value over time

These scenarios make whole life insurance for seniors and financially strategic individuals a strong choice.

How to Compare Whole Life Insurance Plans

Look at these key features before choosing the best whole life insurance:

  • Premium costs: Make sure the whole life insurance cost fits your budget
  • Cash value growth: Check how fast and reliably value builds
  • Dividends: Review payout history for participating policies
  • Policy riders: Explore added benefits like long-term care or living benefits

Whole Life Insurance Use Cases and Scenarios

Here’s how real people use whole life insurance every day:

  • Estate planning: Helps pass wealth to heirs
  • Retirement support: Cash value can back up income needs
  • Final expenses: Covers funeral and medical bills
  • Legacy giving: Leaves donations to loved ones or charities

These simple scenarios show how the best whole life insurance fits into everyday financial plans.


* Rate based on female, age 50, $5,000 in coverage

** The total amount of all AGL Guaranteed Issue Whole Life Insurance policies on any person cannot exceed $25,000 in the aggregate.


AI was used in the creation of this content, along with human validation and proofreading.