Cancel Your Cincinnati Life Insurance Policy Online or by Phone

To cancel your Cincinnati life insurance policy, you'll need to contact Cincinnati customer service and follow-up with the necessary documents. Canceling a Cincinnati life insurance policy won't yield a refund unless you're within 30 days of the policy issue date. Cancellation of permanent Cincinnati life insurance might result in a cash value surrender fee on a permanent life policy.

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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 14, 2021

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Quick Facts

  • The process of canceling your Cincinnati life insurance policy starts with a call to Cincinnati customer service
  • Cincinnati life insurance policies are refundable within 30 days of the policy issue date
  • Cincinnati permanent life insurance policies may be subject to cash value surrender fees

If you’re experiencing life changes, you might have considered how to cancel your Cincinnati life insurance policy. Even if you’ve just found better term life insurance quotes, you should be able to get out of your policy.

Canceling any insurance policy might seem like a task. We’re here to help guide you through a smooth cancellation by outlining the Cincinnati life insurance cancellation policy and other options besides canceling.

Think you’re ready to cancel your Cincinnati life insurance policy? Don’t forget to shop rates from other top insurers using our free quote tool above.

How do I cancel my Cincinnati life insurance policy?

Cincinnati life insurance is a well-known life insurance company, offering both term and permanent life insurance solutions. Even with options, you might need to know how to cancel your life insurance policy.

Canceling your Cincinnati life insurance policy shouldn’t be a challenge although they don’t offer much clarity as to what that process is. Being a sizable company, the process is most likely the same as other providers.

Life insurance is most commonly canceled in writing but can be done through a company website in some cases. It’s standard for companies to accept a letter requesting cancellation with your policy details.

Before you mail a letter, contact the Cincinnati life insurance customer service via phone or email to confirm what steps you need to take.

Once you’ve made contact, you’ll likely need to send in a policy surrender form of some sort. Depending on the reason for canceling, you may have other options to consider to help you maintain life insurance coverage.

How can I change or convert my Cincinnati life insurance policy?

Sometimes it’s a better idea to change your life insurance coverage instead of canceling your policy. If you have term life insurance, you can also consider converting term to permanent life insurance.

If you’ve experienced a major life event such as a job change or a divorce, or if you’ve become disabled, you may be able to make policy changes without going through underwriting again.

In this case, you could reduce your policy coverage amount or shorten your term length to reduce your monthly life insurance bill.

Converting to whole life insurance is typically to help build cash value. This will usually be more expensive each month while serving similarly to a savings account.  Universal life insurance will be more flexible.

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Differentiating between whole and universal life insurance is fundamental in life insurance basics. Learning about life insurance terms like these can help you choose the right policy.

In any case, to convert a Cincinnati life insurance policy, you will need to submit a policy service form. You can request the desired changes by submitting the form to Cincinnati life insurance customer service.

What happens if you cancel your Cincinnati life insurance policy?

There aren’t any major pros or cons to canceling a Cincinnati life insurance policy. If you cancel your policy and allow your coverage to lapse, a lack of family protection will be your biggest concern.

If you cancel your Cincinnati life insurance policy, you shouldn’t anticipate a refund unless you’re within 30 days of your policy issue date. There aren’t usually any cancellation fees or penalties otherwise.

When canceling permanent life insurance you might have to pay a cash value surrender fee, according to the National Association of Insurance Commissioners (NAIC). You’ll want to confirm with the company before you cancel.

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Cancel Your Cincinnati Life Insurance Policy: The Bottom Line

Life insurance policies might be one of the first expenses to go a during a major life change. Thankfully, it shouldn’t be a hassle to covert or cancel a Cincinnati life insurance policy.

Ready to cancel your Cincinnati life insurance policy because of high monthly rates? Look for a better deal. Enter your ZIP code to get free quotes from local life insurance providers in just a few minutes.

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