Life Insurance

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Your life is important to you, that's pretty obvious. Your life is important to other people in your family as well, many of those people likely rely on you for many things. Life Insurance can help protect one of those many things, which is the financial resources that you provide. Whether you are a business owner, general laborer, stay at home mom, or any other professional, you and what you do for your family is extremely important. We can never replace YOU, but we can help out your family financially if the worst were to happen. No one likes to think of a worse case scenario, but in the insurance industry that's our job. We at Cobos Insurance offer a variety of life insurance products to our clients throughout Ohio and Kentucky. We have assisted thousands of individuals throughout the years by reviewing their needs and providing a solution that best fits those needs. We will compare the rates of many top rated carries such as Gen Worth, Banner, Prudential, Grange, Trans America, in the industry to provide you a variety of choices.

Some of our most popular products includes:
 
  • Term Life
  • Whole Life
  • Universal Life
  • Final Expense
  • Baby Policies
  • Buy Sell Agreements
At Cobos Insurance, we help take the mystery out of life insurance.   Here at Cobos, you can sit with an agent, video or telephone conference to review your needs. We will help you determine the amount of coverage that you need at a price that you can afford. We will also help you determine whether you wish to secure coverage for your spouse and children.

Are you a business owner?
We also offer life insurance to businesses to fund buy sell agreements, cross purchase agreements or key man insurance. Many owners of businesses have invested their entire lives to building up their enterprises and their survivors could lose everything that has been built up over the years due to the owners or a partner’s untimely passing.

We have the ability to find solutions for every situation.

Additional Add-ons
In addition to your base policy, we also offer many endorsements to further customize and enhance your coverage. Listed below are a list of our most common life coverages:
  • Accident Death Benefit
  • Child Riders
  • Disability Waivers
What information do I need for a quote?
All that is required is some basic information over the phone which we provide to the carriers who then determine if more medical records or a medical exam is required.

Please be prepared with the following:
  • Insured Name
  • Insured Weight and Height
  • Do you take any medication?
  • Do you smoke?
Commonly Asked Life Insurance Questions:
1. What is a beneficiary?
2. Will my beneficiary have to pay income tax on my death benefits?
3. Do I have to have a medical exam? If so, what should I expect?
4. I currently smoke, but are in the process of quitting.  Can I get re-rated down the road?
5. Can I buy more than one life policy?
6. I get life insurance from my job.  Why should I buy a separate policy?
7. What billing options do you have?
8. Can I buy life insurance for my grandchild?

Start here by getting a quick and easy quote…. then follow up with a phone call and directly speak with an agent (440) 233.6199. 

Proudly serving Ohio and Kentucky, especially the local communities of Elyria, Lorain, Medina, Avon Lake, Avon, Sheffield, Vermilion, Wakeman, Westlake, Rocky River, and North Ridgeville.