Life insurance
Life insurance is not just for your loved ones, it is a practical way to take care of them. The right policy replaces your income and covers what you leave behind, so your family has steady ground during a hard time. Choosing one does not have to be complicated, and we make it simple.
Security For The Next Change In Life
Life isn't static, and neither are your options. Life insurance can be customized to your family and your needs, with options for both term and permanent plans to keep you prepared and protect the future of you and your loved ones.
If someone depends on your income, they depend on your life insurance.
Find the Right Life Insurance for You
Life insurance is not one product. Here are the main types we write, and we help you figure out which one fits your budget and the people you are protecting.
Term Life Insurance
Coverage for a set period, usually 10, 20, or 30 years. The simplest and most affordable option, and the right fit for most families raising kids or paying off a mortgage.
Whole Life Insurance
Lifelong coverage with a premium that never changes, plus a cash value that builds over time and that you can borrow against.
Universal Life Insurance
Permanent coverage with flexible premiums, so you can adjust what you pay and your benefit as your life changes.
Final Expense Insurance
A smaller whole-life policy that covers funeral and end-of-life costs, so your family is not left with the bill.
Everything Your Kessler Policy Includes
A life insurance payout does more than cover a funeral. Here is what the right policy can do for the people you leave behind.
Financial Protection
Replaces lost income so your family can keep paying the bills and meeting daily expenses.
Debt Coverage
Pays off the mortgage, car loans, and credit card debt so your family does not inherit the burden.
Children's Future
Funds your children's education, weddings, and milestones, no matter what happens to you.
A Real Safety Net
Gives the people you love financial security and breathing room when they need it most.
Built to Last, Designed to Protect.
Every Kessler life plan is built around the benefits families actually need for long-term financial security.
Stable Premiums
Secure your rate now. Your monthly cost stays the same, no matter your age or health changes.
Tax Benefits
Death payouts are typically free from income tax, and cash value accumulates tax-deferred in whole and universal life policies.
Enduring Protection
Create a lasting financial foundation that protects your loved ones for years ahead.
How Much Does Life Insurance Cost?
Less than most people think. A healthy adult in their 30s can often get a $500,000 term policy for around $25 to $40 a month. Your rate comes down to your age, your health, whether you smoke, and the type and amount of coverage you choose.
- A real quote based on your age and health
- Term and permanent options compared side by side
- The lowest rate locked in by applying sooner
Life Insurance for Families Across Ohio
We are based in North Olmsted and licensed across Ohio, so families from Cleveland to Columbus, Cincinnati to Toledo can sit down with a real person to set up life insurance.
No 1-800 line and no online-only guesswork, just local guidance on one of the biggest decisions you make for your family.
Call Us
What Ohio Families Say About Us
Kessler insurance turned my underinsured home from a risky liability into fully protected peace of mind. They expertly identified coverage gaps and secured the perfect policy at a great price. Highly recommended!
Homeowners insurance
Francheta has been an amazing agent. She has helped me and my family get everyone squared away and set up. If you are looking for life insurance and everything in between go here!!!
Great price
This is probably the absolute best place I have been when dealing with insurance related needs. Francheta was soo extremely helpful, patient and kind with me while helping me find the right insurance for what I need. Best customer service I’ve ever received. Will only be doing business with them from here on out
Life, Vehicle, Renter's insurance
Had a great experience here. Frannie helped us out and answered every question we had. Thank you so much!
Great experience
Everyone at Kessler Insurance is ALWAYS helpful and gracious, no matter how many questions we ask! Thanks so very much for the excellent customer service! - Micki & Jim Grant
Vehicle insurance
Great customer service and really explains the ins and outs. We have our auto and home insurance with Sam Kessler and not only does he give us a great rate, but him and his staff are available for any question or need you have. The one insurance company I did not regret going with, finally!!
Great customer service
See Your Life Insurance Price
Share a few basics and we will come back with real options and a real price. No pressure, no medical exam to get a quote, no spam.
Life Insurance Quote
Life Insurance Questions Families Ask
Straight answers on how much you need, what it costs, and which type fits, so you can make a confident call for your family.
How much life insurance do I need?
A common starting point is 10 to 12 times your annual income, adjusted for your mortgage, debts, and what it would cost to raise your kids. The goal is for your family to stay in the house and keep their footing without your paycheck.
What is the difference between term and whole life?
Term covers you for a set number of years, usually 10, 20, or 30, and is the cheapest option, which fits most families. Whole life lasts your entire life, costs more, and builds cash value you can borrow against. We help you choose based on your budget and how long you need coverage.
Do I need life insurance if I am young or single?
If anyone depends on your income, or you share debt like a mortgage or a co-signed loan, the answer is usually yes. Buying young also locks in the lowest rate you will ever get.
Can I get life insurance if I have a health condition?
Usually yes. Many people with managed conditions like high blood pressure or type 2 diabetes still qualify, sometimes at a higher rate, and there are no-exam options. We find the path that fits your situation.
Is the life insurance from my job enough?
Often not. Workplace coverage is usually only one to two times your salary and ends when you leave the job. A personal policy stays with you and is sized to what your family actually needs.
Ready to Protect Your Family?
Set up life insurance with a local North Olmsted team that explains your options in plain English and answers the phone.
