Cincinnati Life Insurance Review [2022]

Cincinnati life insurance products include term life insurance, universal life insurance, and whole life insurance. In addition, its policies come with multiple ways to customize your coverage. Unfortunately, Cincinnati life insurance rates are not available online, and you will have to contact an agent to get a quote.

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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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Written by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

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 Benji Carr

UPDATED: Jun 29, 2022

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Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Quick Facts

  • Cincinnati offers term life insurance, universal life insurance, and whole life insurance
  • Cincinnati has A.M. Best and BBB ratings of A+
  • Cincinnati sells its life insurance products solely through agents, so you cannot get Cincinnati life insurance quotes online

The Cincinnati Financial Corporation was founded in 1968. Cincinnati sells various insurance products, including term and permanent life insurance, auto insurance, homeowners insurance, and umbrella insurance. It also sells commercial insurance policies.

Read more below to learn about Cincinnati life insurance products, how the company is rated, how to contact Cincinnati, and whether you should buy Cincinnati life insurance.

Enter your ZIP code into our free quote comparison tool above to compare multiple companies that sell products similar to Cincinnati.

What life insurance products does Cincinnati offer?

Cincinnati life insurance offers term and permanent life insurance products.

Term life insurance is a non-permanent life insurance policy that has level premiums. Cincinnati’s term life insurance options include Termsetter and Termsetter ROP.

Termsetter has a level death benefit with periods of 10, 15, 20, 25, and 30 years. Termsetter ROP has a level death benefit with periods of 20, 25, and 30 years. However, Termsetter ROP includes a return of premium rider that guarantees the return of your base premium at the end of the term if you are living and the policy is in force.

Cincinnati’s permanent life insurance options include universal life insurance and whole life insurance. Universal life insurance is a life insurance policy with flexible death benefits and premiums, and a cash value account. Cincinnati’s universal life insurance policies include Heritage UL and LifeSetter Flex UL.

Heritage UL offers riders to customize your coverage, guaranteed coverage until age 121, and tax-deferred cash value accumulation. LifeSetter Flex UL has the same benefits as Heritage UL, plus single, level, or limited payment options, flexible guaranteed periods up to age 121, and a catch-up provision.

Whole life insurance is a life insurance policy with level death benefits, flexible premiums, and cash value. You have a base premium that does not increase during your policy’s life, but you can pay a higher amount to contribute to your cash-value account. Cincinnati guarantees that your classification will never change unless it is to your advantage.

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How much does Cincinnati life insurance cost?

Unfortunately, Cincinnati life insurance rates are not available online, and you must speak with an agent to get Cincinnati life insurance quotes. However, to give you an idea of what you might pay for a Cincinnati life insurance policy, take a look at the tables below.

First, let’s look at average rates for term life insurance:

Term Life Insurance Rate Chart by Age
AGEAverage Monthly Rates for $250,000 Policy: MaleAverage Monthly Rates for $250,000 Policy: FemaleAverage Monthly Rates for $500,000 Policy: MaleAverage Monthly Rates for $500,000 Policy: FemaleAverage Monthly Rates for $750,000 Policy: MaleAverage Monthly Rates for $750,000 Policy: FemaleAverage Monthly Rates for $1,000,000 Policy: MaleAverage Monthly Rates for $1,000,000 Policy: FemaleAverage Monthly Rates for $2,000,000 Policy: MaleAverage Monthly Rates for $2,000,000 Policy: Female
20$17.82$14.49$28.26$21.65$39.76$29.77$47.25$35.03$89.25$64.81
25$17.48$14.52$27.66$21.76$38.87$29.95$46.15$35.55$87.04$65.92
30$17.85$15.17$28.73$23.02$40.48$31.88$48.20$37.43$91.15$69.61
35$19.05$16.71$30.67$25.68$43.30$35.90$52.16$42.63$99.07$80.05
40$24.32$21.21$41.02$33.80$58.48$48.07$72.69$52.72$140.13$112.91
45$35.54$28.51$60.88$47.53$88.70$68.60$113.03$86.33$220.80$167.41
50$53.70$41.78$94.57$71.68$138.68$104.60$176.97$132.64$348.68$232.74
55$85.75$61.29$153.96$108.88$225.24$159.50$289.64$209.21$574.03$413.16
60$150.65$110.80$266.74$192.52$390.84$283.21$504.46$361.92$1,003.66$718.58
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Next, let’s look at average rates for universal life insurance:

Average Monthly Universal Life Insurance Rates by Age
Policyholder AgeAverage Monthly Universal Life Insurance Rates
20 years old$36
30 years old$42
40 years old$63
50 years old$90
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Finally, let’s look at average rates for whole life insurance:

Average Monthly Whole Life Insurance Rates by Age & Gender
Policyholder Age$100,000: Male Average Monthly Rates$100,000: Female Average Monthly Rates$250,000: Male Average Monthly Rates$250,000: Female Average Monthly Rates$500,000: Male Average Monthly Rates$500,000: Female Average Monthly Rates
25$93.70$84.91$225.12$203.14$444.14$400.19
30$107.71$97.35$260.14$234.24$514.19$462.39
35$128.24$112.93$311.47$273.19$616.84$540.29
40$153.90$132.15$375.62$321.24$745.14$636.39
45$190.79$156.17$467.84$381.29$929.59$756.49
50$234.90$191.66$578.12$470.02$1,150.14$933.94
55$294.84$243.17$727.97$598.79$1,449.84$1,191.49
60$399.24$311.63$988.97$769.94$1,971.84$1,533.79
65$528.00$421.69$1,310.87$1,045.09$2,615.64$2,084.09

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Cincinnati’s rates may be higher or lower than the ones listed above, depending on your location, age, health, and more.

How is the Cincinnati life insurance company rated?

The Cincinnati Insurance Company has an A.M. Best rating of A+, meaning it has a superior ability to meet its financial obligations. In addition, Cincinnati has a 0.36 NAIC complaint index. Compared to the national average of 1.00, Cincinnati’s rating indicates that it gets far fewer complaints than companies of a similar size.

The Cincinnati Financial Corporation (the parent company of Cincinnati insurance companies) has a BBB rating of A+.

While most Cincinnati life insurance reviews are positive, some of them cite problems with claims processing. Another common complaint is that Cincinnati tends to cancel coverage (or not renew coverage) for those who file claims. Therefore, it may not be the best company for individuals with a claims history.

How can I get quotes and file claims?

To get Cincinnati life insurance quotes, your best option is to contact an agent that sells Cincinnati products. You can use the Cincinnati website to search for an agent in your area. You may also call (888) 242-8811 to get assistance finding an agent.

To file a life insurance claim with Cincinnati, you can call Life Claims at (888) 212-6970 or your agent. You must have the policy number, date of death, and the beneficiary’s mailing or email address.

Once you know which documents you need, you must email them to [email protected], fax them to (513) 870-2969, or mail them to The Cincinnati Life Insurance Company, Attn: Life Claims, PO Box 145496, Cincinnati, OH 45250.

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How can I contact Cincinnati?

If you are an existing Cincinnati life insurance customer, you can call the Cincinnati life insurance phone number to reach Life Policy Services at (800) 783-4479. In addition, you can make general inquiries to (888) 242-8811 or (513) 870-2000. You may also submit a contact form on the company’s website.

Cincinnati’s mailing address is PO Box 145496, Cincinnati, OH 45250. Its street address is 6200 S. Gilmore Road, Fairfield, OH 45014.

Should I buy Cincinnati life insurance?

Cincinnati life insurance has advantages and disadvantages.

Firstly, Cincinnati uses agents to sell its life insurance products, which means the agent is dedicated to finding the best policy for you and gives you personalized customer service. In addition, Cincinnati sells multiple types of life insurance, which allows you to choose a policy that fits your needs.

With that being said, individuals who like to research life insurance online are unlikely to find much information. Cincinnati provides a very basic description of its products on the website, and you will have to contact an agent to get a quote.

If you would like to compare affordable Cincinnati life insurance to other life insurance options, enter your ZIP code into our free quote comparison tool below.

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