Independent Insurance Agency

Partnered exclusively with Globe Life - Family Heritage Division.

Cohrs Agency Services

We help protect and insure your Family.

Life Insurance

Life insurance can help you leave money for your family in case you were to pass away. From final expense benefits to cash value savings, explore life insurance options for with one of our professional agents.

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Cancer Insurance

From treatment to childcare, choose a one-time benefit or ongoing coverage that can help with the costs of cancer.

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Accident Insurnace

Discover ongoing coverage that can help lessen out-of-pocket expenses due to an unexpected accident.

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Heart Attack/Stroke Insurance

Heart and stroke insurance can help pay direct medical bills such as hospital charges, but also indirect costs like living expenses, travel for treatment, or in-home care. Benefits are paid directly to you, allowing you to focus on your health and not money.

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Intensive Care

Explore coverage that can help you pay for hospital confinement and services during a covered sickness or injury.

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Hospital Indemnity Insurance

Discover coverage that goes toward surgeries, ambulance rides, or other hospital-related expenses, easing your financial burden along the way.

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Pay Your Insurance Bill.

Our Customer Service Department provides unmatched service to policyholders and are here to assist you. As one of our policyholders, you'll see that we are as committed to serving our customers as we are to serving our own families.

Customer Service: (440) 922-5222

8am - 5pm EST Monday - Friday

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Latest blog posts

Stories, insights, and advice for helping families win when life doesn’t play fair.

Accident Insurance

7 Mistakes You're Making with High-Deductible Health Plans (and How Supplemental Insurance Fixes Them)

This post breaks down the most common pitfalls families face when they rely on high deductible health plans (HDHPs)—and shares easy solutions to stay protected. From underestimating out-of-pocket costs and missing out on supplemental coverage, to not using Health Savings Accounts (HSAs) and skipping preventive care, the article walks readers through seven avoidable mistakes. Plus, it offers clear, actionable tips on how to choose smart add-ons like accident or hospital indemnity insurance, maximize savings, and get peace of mind without busting the family budget. Perfect for anyone who wants to make their HDHP work for them (instead of the other way around).

Gabrielle Cohrs

October 14, 2025

Cancer Insurance

7 Mistakes You're Making with Cancer Insurance (and How to Fix Them)

Many people rely on cancer insurance without realizing the common pitfalls that could cost them big when they need it most. This post highlights the top 7 mistakes, from assuming cancer coverage replaces comprehensive health insurance, to not reviewing policy fine print or missing crucial pre-authorization steps. It also warns against hiding medical history, poor record-keeping, overlooking financial aid, and ignoring policy waiting periods. Each mistake is paired with simple, actionable fixes—helping readers avoid big headaches and financial surprises down the road. The bottom line: with a little planning and the right questions, you can make your cancer insurance a true safety net.

Gabrielle Cohrs

October 10, 2025

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Find the Right Supplemental Health Insurance at the Right Price

Whether you're protecting your health or your business, our specialized policies are designed to meet your unique needs—anywhere in the country.

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Real Experiences, Real Results

Each testimonial highlights the assurance and care we bring to every interaction. For more inspiring stories of support and recovery, click 'View all testimonials'.

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Kevin J. Lacek

Coverage type:

Cancer

Good Insurance. Thank You.

Vonda K. Starks

Coverage type:

Accident

I never thought that one dat my husband would get hurt the way that he did. I would recommend to anybody who doesn't have supplemental insurance to get it.

Alissa M. Kretsch

Coverage type:

Cancer

My husband was recently diagnosed with stage 3 Cancer. Without this insurance we would be in debt and I wouldn't be able to take off to go to important appointments with him.

Alissa M. Kretsch

Coverage type:

Cancer

Without this optional insurance we would be drowning in debt right now. I am extremely thankful that I was talked into this insurance years ago when I thought I'd never need it.