Ohio

From the shores of Lake Erie to the rolling hills of southern Ohio, families across the Buckeye State trust Spicer Financial Group for clear, practical guidance on life insurance and financial protection that fits real life. Whether you’re building a future in Columbus, settling down in Cincinnati, or enjoying retired life in Cleveland, our team is here to help you plan confidently for whatever comes next.

Serving these areas, and more:

  • Cleveland / Lakewood / Westlake

  • Columbus / Dublin / Westerville

  • Cincinnati / Mason / West Chester

  • Dayton / Kettering / Beavercreek

  • Toledo / Perrysburg / Maumee

  • Akron / Canton / Cuyahoga Falls

  • Lorain / Elyria / Sandusky

  • Youngstown / Warren

  • Athens / Southeastern OH

 Ohio Life & Financial Protection FAQs

Life Insurance in Ohio

  • Employer coverage is a good start, but it often covers only a fraction of what your family would actually need. A personal policy gives you full control over the amount and type of coverage, and it follows you no matter where your career takes you.

  • Enough to replace several years of income, pay off the mortgage, and cover major future costs like college or retirement. We’ll help you calculate the right amount for your goals and budget.

  • Ohio law gives you at least a 10-day “free look” period to review and cancel your new policy for a full refund. Insurance companies must also handle approved claims promptly and keep communication clear for policyholders and beneficiaries.

Mortgage Protection in Ohio

  • It’s a life insurance policy designed to pay off your mortgage if you pass away, so your family can stay in the home without financial strain.

  • No, it’s optional. But many Ohio homeowners choose it to make sure their family’s biggest financial commitment is covered.

  • Yes! We’ll help you update your policy anytime your loan changes, so your protection always matches your mortgage.

Estate & Legacy Planning in Ohio

  • Estate planning focuses on protecting your assets and ensuring they’re passed on properly. Legacy planning is about the meaning behind it — how you want your wealth, values, and impact to live on.

  • Yes. Without one, Ohio law determines who inherits your assets, which might not reflect your wishes. Having a clear plan in place gives your family clarity and peace of mind.

  • It provides quick access to cash for your loved ones so they can cover taxes, debts, or expenses without selling assets under pressure. It’s often the cornerstone of a strong estate plan.

  • Not at all! Every Ohio family benefits from protecting what they’ve worked for, from a home and savings to family heirlooms and retirement accounts.

Debt Protection in Ohio

  • Debt protection helps pay off certain loans — like car loans, credit cards, or personal loans — if you pass away or become disabled. It keeps your loved ones from inheriting those obligations.

  • Life insurance covers your family’s broader financial needs. Debt protection zeroes in on specific loans. Many Ohio families use both for complete peace of mind.

  • Anyone with ongoing loans or shared debt, especially homeowners, parents, or single-income households.

  • No, it’s completely optional, but it’s an easy way to strengthen your financial safety net.

Income Protection in Ohio

  • It replaces part of your income if you can’t work due to illness or injury, helping you keep up with daily expenses while you recover.

  • Some do, but many employer plans only cover a small percentage of your income or last for a short period. A personal income protection plan helps close that gap.

  • It depends on your policy. Some cover a few years, others can last until retirement. We’ll help you choose the right fit for your budget and career.

  • Not usually. Rates vary based on your age, health, and job, but for most Ohio families, it’s an affordable way to protect your paycheck - your most important financial asset.