Accordia Life vs. Cincinnati: Best Life Insurance Company in 2021

When comparing insurers like Accordia Life vs. Cincinnati, it is for the best that you analyze not only company pricing but company reviews as well. It was a landslide for Cincinnati as they offer the best prices to not only men of various ages but women of various ages as well. Furthermore, Cincinnati holds the higher rating from not only A.M. Best, but from the Better Business Bureau as well.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 19, 2021

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Quick Facts

  • Cincinnati Insurance Company offers more competitive rates to women than Accordia Life Insurance
  • Cincinnati Insurance offers more competitive rates to men than Accordia Life
  • Cincinnati Insurance holds a higher Better Business Bureau rating than Accordia Life

Since you’re here with us today you must be on the lookout for your next, or perhaps even first, life insurer. To simplify the sometimes complex and difficult process of comparing life insurance companies, we’re going to be focusing exclusively on Accordia Life vs. Cincinnati today.

If you would like to learn more in detail about Accordia Life and Annuity Company specifically and what they have to offer their insured, be sure to read our Accordia Life Insurance Review.

Before we really dive into our life insurer comparison of Accordia Life vs. Cincinnati, type your ZIP code into our free and helpful tool above to find affordable life insurance quotes in your area.

Accordia Life vs. Cincinnati: Which company offers better rates to women?

When you begin the lengthy process of comparing life insurance companies, you most likely want to start with what is most important to you. For the majority of people, what’s most important is a company’s pricing.

The table that follows shows the rates offered by not only Accordia Life and Cincinnati, but also several of the other biggest life insurers as well. Keep in mind this data is for $250,000 20-Year Term Life insurance policies.

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As you can see, for women in their 30s, Cincinnati Life is over four dollars cheaper per month than Accordia Life.

For women in their 40s, the disparity decreases a bit to about a three dollar and fifty cents difference between Accordia Life (which is again the more expensive company) and Cincinnati.

Finally, for women in their 50s, the disparity grows quite a bit. For this demographic, Cincinnati is over 12 dollars cheaper per month.

In short, Cincinnati definitely wins in terms of pricing for women. Let’s move on to the next section and see if this holds true with rates for men. If you’d like to learn more about Cincinnati’s offered products in particular, be sure to read our Cincinnati Life Insurance Review.

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Accordia Life vs. Cincinnati: Which company offers better rates to men?

Let’s now go ahead and do the same thing we did in the last section, though this time for rates offered to men by Accordia Life, Cincinnati, and other major life insurance companies.

Sample Monthly Life Insurance Rates by Company, Product, and Age for Females
CompaniesProductAge 30 Average Monthly Rates (Female)Age 35 Average Monthly Rates (Female)Age 40 Average Monthly Rates (Female)Age 45 Average Monthly Rates (Female)Age 50 Average Monthly Rates (Female)Age 55 Average Monthly Rates (Female)Age 60 Average Monthly Rates (Female)Age 65 Average Monthly Rates (Female)Age 70 Average Monthly Rates (Female)Age 75 Average Monthly Rates (Female)Age 80 Average Monthly Rates (Female)
Accordia LifeTerm Life$15.58N/A$20.69N/A$40.03N/A$89.25N/AN/AN/AN/A
ANICOSignature Term$11.88$12.53$14.90$19.87$27.22$37.15$55.94$84.67$147.96N/AN/A
AssurityTerm Life$11.09$13.92$17.84$23.06$34.15$49.37$72.65$112.88$182.05$336.47N/A
Fidelity LifeTerm Life$16.10N/A$22.62N/A$45.68N/A$58.32N/AN/AN/AN/A
John HancockVitality Term$12.39$12.61$14.86$20.09$23.86$37.73$50.94$83.61$176.04$369.26$843.44
Liberty MutualTerm Accel$10.51$11.05$13.70$18.93$25.86$35.44$51.35N/AN/AN/AN/A
Lincoln NationalLifeElements$16.10$16.63$21.22$28.22$37.41$50.75$74.81$112.44$199.06$371.83$655.77
MassMutualVantage Term$11.98$12.63$15.23$21.98$29.15$40.25$58.73$92.45$151.38$318.85NA
Minnesota LifeAdvantage Elite$12.67$12.67$16.10$23.23$30.89NANANANANANA
Mutual of OmahaTerm Life Answers$11.61$12.90$16.56$20.21$27.31$38.27$57.19$98.47$169.42$365.50$704.13
Nassau LifeTerm Life$16.14NA$22.52NA$42.11NA$89.06NANANANA
North AmericanADDvantage$11.66$12.10$14.96$20.02$26.62$37.62$54.34$85.80$138.82$281.60NA
Pacific LifePromise Term$10.82$11.47$14.24$19.10$25.16$34.42$49.88$80.43$131.35$270.85$637.03
PrincipalTerm Insurance$11.27$11.33$14.39$19.43$25.94$35.48$51.41$79.28$128.06$272.34$655.16
ProtectiveClassic Choice$10.43$10.78$13.31$18.64$25.12$34.43$49.88$80.43$131.36$270.86NA
ProtectiveCustom Choice UL$10.79$11.01$13.59$19.62$26.29$35.77$52.26$82.27$134.16$284.43NA
PrudentialTerm Essentials$17.72$18.16$21.22$28.22$37.63$41.35$59.07$94.72$159.03$309.32NA
SagicorAccelerwriting Term$10.95$11.22$15.10$20.43$36.75$48.64$63.78$108.79$212.88$366.31NA
SBLILevel Term$10.38$10.65$13.08$18.85$26.72$36.34$53.85$90.13$161.65NANA
SymetraTerm 3.0$11.81$11.81$14.39$19.91$25.94$38.06$52.97$85.97$138.25$273.88$692.34
TransamericaTrendsetter Super$11.18$12.26$16.34$20.86$29.89$47.09$71.81$130.94$207.05$312.18$750.14
TransamericaTrendsetter LB$12.26$13.12$17.63$22.36$32.25$49.24$81.06$143.62$241.33$389.37$887.74
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As you can see, for men in their 30s, Cincinnati Life is again cheaper than Accordia. With that being said, the difference is negligible at less than two dollars.

For men in their 40s, the tables are turned a bit and Accordia Life is the cheaper company, though by less than a dollar.

Finally, for men in their 50s, Cincinnati Life is again the cheaper company and it’s by over eight dollars. Essentially, Cincinnati wins again. Let’s wrap up with company ratings and see if Cincinnati can win three for three.

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Accordia Life vs. Cincinnati: Which company is more well-reviewed?

One more thing to keep your eye on when comparing life insurance companies is the ratings given to them by companies like A.M. Best and the Better Business Bureau. These ratings can instill confidence in consumers in terms of a company’s financial stability.

The Better Business Bureau’s rating scale extends from the high end of A+ down to the low end of F. Accordia Life received the BBB’s second-highest possible rating, which is an “A”. With that being said, Accordia Life is currently not BBB accredited.

How did Cincinnati do with the BBB? Not only is The Cincinnati Insurance Company Better Business Bureau accredited, but it holds the highest possible rating of “A+”.

A.M. Best’s rating scale is slightly different from the BBB’s in that it goes from A++ to D. Accordia Life received an “A-” rating from A.M. Best.

How did Cincinnati do with A.M. Best? Yet again Cincinnati did better than Accordia Life, holding a rating of “A+” (Superior).

In essence, you have two very valid choices between Accordia Life vs. Cincinnati here. But, don’t let your insurance company comparison stop with this article. Type your ZIP code into our free and helpful tool below to find affordable life insurance quotes in your area.

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