Life Insurance2025-12-24T06:03:20+00:00

Life Insurance and Annuities

Protecting Your Family’s Future and Financial Legacy in Ohio.

Why Life Insurance is an Essential Financial Plan.

Life insurance protects what is important to you. Owning adequate life insurance is extremely important to any sound financial plan, as it provides money for your family at a time when it’s needed the most. Wagner Insurance Group will help you develop a program that meets your personal insurance needs.

Your Life Insurance & Retirement Options

Term Life
Insurance

Offers a 10, 15, 20 or 30-year cost-effective plan to protect the ones you love.

Whole Life
Insurance

Provides coverage for your entire life, builds cash value, and guarantees premium.

Universal Life
Insurance

Permanent coverage that builds actual cash value and offers a flexible payment schedule.

Retirement
Savings

Includes Annuities (guaranteed income/interest) and IRAs (tax-deferred savings plans) for planning your future.

Real Solutions for Real Families

  • The Challenge

    Jason and Amy are raising a family while paying down their mortgage.

    The Risk

    Whatever happens, they don’t want their children to lose their home or be burdened with their debt.

    The Wagner Solution

    Jason and Amy purchased 30-year term life insurance policies to pay off their mortgage.

  • The Challenge

    David is the primary wage earner for his family and worries about a time he might not be there anymore.

    The Risk

    He wants to ensure his family isn’t burdened by costs for his funeral or unpaid medical bills.

    The Wagner Solution

    David purchased a permanent life insurance policy to provide funds for final expenses, easing their pain during a stressful time.

  • The Challenge

    John and Lisa each contribute to their household of seven.

    The Risk

    They worry that the income they provide today might not be there for the family should something happen to either of them.

    The Wagner Solution

    20-year term life plans put their concerns to rest. Each policy can be used to help pay off debt and maintain the family’s lifestyle.

  • The Challenge

    James and Mary are proud of their daughter in college but hate to think about “what if.”

    The Risk

    They wonder: If something were to happen to her, could they pay off the student loans they cosigned?

    The Wagner Solution

    College loan protection via a 20-year term life policy can protect James and Mary from the added heartache of paying college debt.

  • The Challenge

    Michael is looking for a safe way to ensure his dreams of a comfortable retirement become reality.

    The Risk

    He needs to save for the future and wants to guarantee an income during his retirement years.

    The Wagner Solution

    Michael talked to his local ERIE agent. We offer several savings options like annuities and IRAs to secure his future.

The Challenge

Michael is looking for a safe way to ensure his dreams of a comfortable retirement become reality.

The Risk

He needs to save for the future and wants to guarantee an income during his retirement years.

The Wagner Solution

Michael talked to his local ERIE agent. We offer several savings options like annuities and IRAs to secure his future.

The Challenge

James and Mary are proud of their daughter in college but hate to think about “what if.”

The Risk

They wonder: If something were to happen to her, could they pay off the student loans they cosigned?

The Wagner Solution

College loan protection via a 20-year term life policy can protect James and Mary from the added heartache of paying college debt.

The Challenge

John and Lisa each contribute to their household of seven.

The Risk

They worry that the income they provide today might not be there for the family should something happen to either of them.

The Wagner Solution

20-year term life plans put their concerns to rest. Each policy can be used to help pay off debt and maintain the family’s lifestyle.

The Challenge

David is the primary wage earner for his family and worries about a time he might not be there anymore.

The Risk

He wants to ensure his family isn’t burdened by costs for his funeral or unpaid medical bills.

The Wagner Solution

David purchased a permanent life insurance policy to provide funds for final expenses, easing their pain during a stressful time.

The Challenge

Jason and Amy are raising a family while paying down their mortgage.

The Risk

Whatever happens, they don’t want their children to lose their home or be burdened with their debt.

The Wagner Solution

Jason and Amy purchased 30-year term life insurance policies to pay off their mortgage.

Securing Your Family’s Future

Life insurance is about love and planning. We clarify the complex details of Term and Whole Life policies to help you choose the right financial protection for your loved ones.

I have life insurance through work. Is that enough?2025-12-16T19:04:33+00:00

Usually not. Work policies are often limited (e.g., 1-2x your salary) and are rarely portable—meaning if you lose or change your job, you lose your coverage. An individual policy stays with you no matter where you work.

How much life insurance do I really need?2025-12-16T19:04:09+00:00

It depends on your debts, income, and family goals. We can help you perform a “Needs Analysis” to calculate expenses like mortgage payoff, education costs, and income replacement to find the right number for you.

What is the difference between Term and Whole Life insurance?2025-12-16T19:03:47+00:00

Term Life provides coverage for a specific period (e.g., 20 years) and is generally more affordable, making it great for young families. Whole Life provides permanent coverage that lasts your entire life and builds cash value over time.

Safeguard Your Family’s Future

Build a legacy with term, whole, or universal life plans, plus specialized products like annuities and retirement savings options.

Your Local, Independent Insurance Partner.

Office Location

Wagner Insurance Group
9696 Columbia Rd.
Olmsted Falls, OH 44138

Office Hours

Mon-Thu: 8:00 a.m. to 5:00 p.m.
Fri: 8:00 a.m. to 4:30 p.m.
Closed Sat and Sun

© 2011- 2025 • Wagner Insurance Group • All Rights Reserved

Course has been added to your cart
view cart
[fusion_woo_mini_cart show_subtotal=”yes” show_remove_icon=”yes” show_buttons=”no” buttons_stretch=”no” buttons_layout=”floated” buttons_alignment=”center” buttons_justify=”center” link_style=”link” icon_position=”left” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″ images_max_width=”100px” product_title_color=”var(–awb-color6)” remove_icon_bg_color=”var(–awb-custom_color_1)” remove_icon_color=”var(–awb-color1)” fusion_font_variant_product_title_font=”var(–awb-typography5)” fusion_font_family_product_title_font=”var(–awb-typography5-font-family)” product_title_font_size=”var(–awb-typography5-font-size)” product_title_line_height=”var(–awb-typography5-line-height)” product_title_letter_spacing=”var(–awb-typography5-letter-spacing)” product_title_text_transform=”var(–awb-typography5-text-transform)” product_price_color=”var(–awb-color5)” fusion_font_variant_product_price_font=”var(–awb-typography4)” fusion_font_family_product_price_font=”var(–awb-typography4-font-family)” product_price_font_size=”var(–awb-typography4-font-size)” product_price_line_height=”var(–awb-typography4-line-height)” product_price_letter_spacing=”var(–awb-typography4-letter-spacing)” subtotal_text_color=”var(–awb-color6)” fusion_font_variant_subtotal_text_font=”var(–awb-typography4)” fusion_font_family_subtotal_text_font=”var(–awb-typography4-font-family)” subtotal_text_font_size=”14px” subtotal_text_line_height=”var(–awb-typography4-line-height)” subtotal_text_letter_spacing=”var(–awb-typography4-letter-spacing)” fusion_font_variant_subtotal_amount_font=”var(–awb-typography2)” fusion_font_family_subtotal_amount_font=”var(–awb-typography2-font-family)” subtotal_amount_font_size=”16px” subtotal_amount_line_height=”var(–awb-typography2-line-height)” subtotal_amount_letter_spacing=”var(–awb-typography2-letter-spacing)” /]
Go to Top