Final Expense Insurance in Ohio
Help comparing final expense, burial and whole life insurance for Ohio residents, by phone from QRS Life Group in Atlanta, Georgia.
Final expense coverage for Ohio residents
Ohio has one of the oldest populations in the Midwest, and its Department of Aging runs a statewide line that connects any resident with the Area Agency on Aging for their county. Families in Columbus, Cleveland, Cincinnati, Toledo and the rural counties between them call us about final expense coverage for the same reasons: a funeral they would rather prepay through insurance than leave to the family.
We compare the policies available to Ohio residents by phone, including guaranteed issue plans for people with serious health conditions, and give you the real monthly cost before you decide.
Our office is in Atlanta, Georgia, and we work with Ohio families by phone and email. There is no local branch to visit, and there is no need for one: every step, from the first conversation to the application, is handled remotely.
How life insurance is regulated in Ohio
Life insurance sold in Ohio is overseen by the Ohio Department of Insurance, consumer services 800-686-1526. The department reviews the policies insurers may sell in the state, licenses the people who sell them and handles consumer complaints.
In Ohio the refund provision printed in your policy sets the free-look period; the state’s disclosure rule is written around policies with at least a 10-day unconditional refund, and a policy that replaces another one must give you 30 days after delivery to return it for a full refund (Ohio Administrative Code 3901-6-05).
Cities we serve in Ohio
We have written a page for each of these Ohio cities with the local offices families need when a death happens: Columbus, Cleveland. Residents of other Ohio towns are just as welcome to call.
What Ohio families usually ask us
- What will it cost? Premiums depend on your age, sex, health, tobacco use and the amount of coverage. We give you quotes for your own details instead of a headline number.
- Does my policy move with me? Yes. A policy stays in force if you move to another state, as long as the premiums are paid, and the benefit can be used anywhere.
- What is a waiting period? Some policies pay a reduced benefit if death from illness happens in the first two or three years. Graded death benefits explained covers it in plain language.
Ohio resources for planning ahead
- Ohio Department of Aging, 1-866-243-5678 connects you to your Area Agency on Aging: programs and the local Area Agency on Aging for older residents and caregivers.
- Ohio Department of Health, Bureau of Vital Statistics: how to order certified death certificates, which a beneficiary needs to make a claim.
- Ohio Department of Insurance, consumer services 800-686-1526: consumer help and complaints about an insurance company or agent.
- Ohio Board of Embalmers and Funeral Directors: the state body that licenses funeral directors and handles complaints about funeral providers.
- Ohio 211, dial 2-1-1: a starting point for local help with food, transport, caregiving and benefits.
- U.S. Department of Veterans Affairs, burials and memorials: cemetery, marker and allowance benefits for eligible veterans in Ohio.
Coverage options we compare
The policies we compare are explained on their own pages: final expense insurance, burial and funeral insurance, whole life insurance for seniors, no medical exam life insurance and guaranteed issue life insurance. How it works describes the three steps from a first call to a policy in hand.
Our final expense planning checklist lists the documents and decisions worth putting in order, and the questions and answers page covers the questions we hear most.
Talk with us
Call +1 (319) 254-9055 during business hours, or send the quote form and we will call you. There is no cost and no obligation. All the states and cities we serve are listed on the Service Areas page.