One of our licensed agents would be happy to discuss your individual needs for life insurance no matter if it is needed for your business or to protect your loved ones.

Licensed agents are available Monday – Friday by calling 800-998-0662 or 7 days per week online using our Chat System located below. Click on Chat to speak with a licensed agent.

Let’s consider the different types of life insurance. 

Group Life Insurance in Cincinnati (Click here to learn more)

Permanent Life Insurance in Cincinnati (Click here to learn more)

Term Life Insurance in Cincinnati (Click here to learn more)

Do I Really Need Life Insurance?

It completely depends on your circumstances in life.  For instance let’s assume that you are single and no dependents rely upon your income.  Additionally you are not concerned about leaving money to anyone to cover any of your miscellaneous expenses or debts when you die. (Bury me in the backyard or leave my body to science type of philosophy.) You would probably not be disposed to purchase life insurance.

But on the other hand maybe you have debt and would like to leave something to a relative, friend, a charity, or you simply don’t want to leave a financial mess for others to deal with.  Life insurance would be appropriate.

If you are married with no children life insurance would be appropriate if your spouse is dependent upon your income, or you wish to leave funds to pay debts off such as a mortgage, credit cards, car loans etc.

If you are married with dependent children you have the greatest need for life insurance in Cincinnati because other family members are dependent upon you.  When you die so does your income and that can bring dire consequences to your family.

If you find yourself needing to protect your family or pay for debts you should call us for life insurance quotes in Cincinnati, our office number is 513-662-7000.

Which Type of Life Insurance Is Best for Your Needs?

Once again it depends upon your circumstances.  If you are only interested in having the necessary funds for funeral expenses, $5-$10,000 of whole life insurance coverage may be sufficient.

If you need significantly more coverage to pay a mortgage off or to provide family income Term Life Insurance in Cincinnati would be more appropriate because it gives you more coverage for your premium dollars.

Obtain Life Insurance Quotes From A Local Life Specialist! 

Call the Life Insurance Experts at Pathway Insurance. Our office number is 513-662-7000. 

Our next article will discuss a vital topic: This Is What Insurance Agents Won’t Tell You about Your Life Insurance in Cincinnati.

Term Life Insurance-Term life insurance is pure insurance. There is no savings element to term life insurance and it provide you the maximum amount of coverage for the least amount of money.

Example -A $500,000 term life insurance policy that is guaranteed level for 30 years would cost around $107.50 per month for a 45-year-old man in excellent health with one company.  A whole life insurance policy would cost you nearly 6 times more money. Term insurance can offer guaranteed rates from 10 years to 30 years. (This means the rates will not change for the time period you select.)

Primary Advantage of Term Life Insurance-Term life insurance provides you the most coverage for your premium dollars.

Primary Disadvantage of Term Life Insurance-Term life insurance will only last as long as the term that you pick.  So in other words if you pick a 10 year level term policy that is so heavily advertised on television today, in the 11th year the rate on the term insurance will go up significantly.  How much could it go up? 10 to 20 times the original amount.  So if you start off at $30 per month your rate could go up to as high as $600 per month and it will increase each year after that. (Level term policies automatically convert to annual renewable term policies after the period of time goes past the date that you locked your rates in.)

Don’t Make This Mistake When Buying Term Life Insurance in Cincinnati.

You might be making a significant mistake if you only purchase a 10 year level term life insurance policy thinking that it won’t be any problem to qualify for a new term life insurance policy 10 years in the future.  You should purchase a 30 year level term policy to lock your rates in for the next 30 years.

Buy Your Term Life Insurance in Cincinnati with the Experts!

Many insurance agents in Cincinnati promote cash value life insurance policies versus term insurance policies and we believe that is a mistake.  In most instances term life insurance is best for your life insurance needs.

Contact Pathway Insurance for Your Term Life Insurance Needs

Our office number is 513-662-7000 or you can send an e-mail to Jack@pathwayinsurance.net

Are you interested in quotes on life insurance in Cincinnati?  Contact a local Cincinnati life insurance expert.  Before you purchase cheap life insurance in Cincinnati call us to compare plans. Our telephone number is 513-662-7000 and we offer some of the best rates on term life insurance in Ohio, Kentucky, and Indiana from quality and highly financially rated life insurance companies. 

If you do not live in Ohio, Kentucky, or Indiana and you want to obtain quotes on term life insurance click here to receive an online term insurance quote from agents in your area.

You Could Be Paying Three Times More Money for Your Life Insurance 

As is true with any type of insurance policy, the rates can be considerably different between competing life insurance companies in Cincinnati. For example let’s review different pricing from different insurance companies:

A 45-year-old man non-smoker requests a life insurance quote in the amount of $500,000 for a 20 year level term policy.

• Company A – The best price on term life insurance came in at $53.73 per month.
• Company B – The worst price for the same term life insurance quote in Ohio was $146 per month.

So as you can clearly see in the above insurance quote if you so happened to have your life insurance with Company B. you would be paying almost 3 times more money for the same coverage!

If you own term life insurance you should take time to compare your life insurance rates to see if you can achieve a better rate.

Our Agency Can Help You Find the Lowest Term Insurance Rates in all 50 states.

Contact our Cincinnati life insurance experts by calling 513-662-7000, or you can send an e-mail to Jack@pathwayinsurance.net for a free term life insurance analysis.

If you do not live in Ohio, Kentucky, or Indiana click online term life insurance rate quote in 47 states.

Are You Looking for Term Life Insurance in Cincinnati?

Contact our local Cincinnati insurance agency for great rates on term life insurance.   Our office number is 513-662-7000 and we offer Term life insurance directly in Ohio, Kentucky, and Indiana. 

If you do not live in Ohio, Kentucky, or Indiana and you want great quotes on life insurance click here to receive an online life insurance quote from agents in your area.

What Is Term Life Insurance?

Term life insurance is simply pure life insurance.  It does not build cash value and therefore the insurance premiums are significantly lower in cost than a universal life policy, or whole life insurance.

Term life insurance in Ohio works exactly the same way that term life insurance in California works. Term life insurance is only meant for a certain period of time, or a “term.”

If you purchase a 10 year level term policy the cost of your term life insurance will be locked in for 10 years.  After 10 years your premiums will increase substantially.

Term Life Insurance Is Best for These Situations:

• • When you need the maximum amount of life insurance coverage to protect your family.
• • When you only need life insurance coverage for a limited period of time.

If you need life insurance because of estate taxes, or other business purposes, term life insurance will not be appropriate for your circumstances. 

If you need business life insurance in Cincinnati contact Jack Thomas at 513-662-7000 or you can send him an e-mail to jack@pathwayinsurance.net

Who Offers the Best Term Life Insurance Rates ?

There are many companies that advertise on television and radio telling you that they can get you cheap life insurance in Cincinnati, but what they don’t tell you is that you have to literally walk on water to qualify for those insurance rates. (In other words the life insurance rates that they quote you might not qualify for.)

Contact Pathway Insurance for Some of the Best Term Insurance Rates .

For great term insurance rates in all 50 states call 513-662-7000.