Cincinnati Life Insurance Review [2022]

Cincinnati life insurance products include multiple term and universal life insurance policy options. It sells whole life insurance 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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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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Quick Facts

  • Cincinnati Life Insurance Company was founded in 1950 by four independent insurance agents
  • The company sells a number of different insurance policies and is best known for its property and casualty insurance policies
  • The company takes pride in the independent agent and strives to provide top-notch customer service at the local level

Cincinnati Life Insurance has been in business for over 70 years. This insurance company was founded by four independent insurance agents in Ohio, and they still value the power and local connection of independent agents in their communities.

Whether you’re looking for term life insurance quotes or property insurance, Cincinnati Life Insurance Company offers a number of different insurance policies for consumers to choose from.

We will only be focusing on the company’s life insurance offerings for this review, but it is important for you to know that Cincinnati Life offers a lot more than just life insurance.

Cincinnati is an insurance company with a lot to offer in terms of life insurance policies. We’re going to take a close look at the main policy options it offers consumers, and we’ll go over other important information about the company that we think you should know.

Are you ready to buy Cincinnati life insurance? Compare life insurance quotes online first to get the best rate. Enter your ZIP code above to compare life insurance quotes from top companies in your area.

What life insurance products does Cincinnati Life sell?

Cincinnati Life Insurance Company sells three main life insurance products to consumers. It sells term life insurance, whole life insurance, and universal life insurance. The life insurance coverage that is best for you will depend on your needs.

We’ll take a closer look at the details of these Cincinnati life insurance policies and help you figure out which policy option is the best fit for your current and future needs.

Remember that life insurance is important coverage for almost everyone to have, and even if you think you don’t need it, you likely do.

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What term life insurance products does Cincinnati offer?

Cincinnati Life Insurance sells two types of term life insurance. It has the “Termsetter” and the “Termsetter Return of Premium (ROP).” The Termsetter policy is available with periods of 10, 15, 20, 25, and 30 year terms. The Termsetter ROP is only available with 20, 25, or 30 year terms.

Term life insurance expires at the end of the term, so this coverage is great for people who are looking for short-term or medium-length life insurance coverage.

This type of policy is great for working families who want to protect a source of income in the event of an untimely death or cover a debt like a mortgage.

The Termsetter ROP is an interesting product because the premiums paid for the insurance coverage will be returned to you at the end of the policy if you are still alive and the policy is still in force. This also explains why these policies are not available in shorter terms.

Cincinnati’s term life insurance policies have competitive rates when compared with other providers. Take a look at the table below to compare Cincinnati life insurance rates with the competition.

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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But what about women? Typically, women have lower costs for life insurance. You can compare rates for women below.

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As you can see, Cincinnati’s term life insurance products are competitively priced in the life insurance market. However, this might not be the right coverage for you.

What whole life insurance products does Cincinnati offer?

Whole life insurance differs from term life insurance in a few key ways. Whole life insurance does not expire; it lasts a lifetime. Whole life insurance also has a cash value component that grows over time and can be borrowed against.

Cincinnati’s whole life insurance premiums stay level for the duration of the policy, even if your health changes. The cash value of these types of policies is tax-deferred.

Cincinnati life offers guaranteed paid-up values on whole life insurance products, so you can choose to stop paying your premiums at any time and keep the whole life coverage you have paid for up to that point.

Whole life insurance policies are more expensive than term life insurance policies, but they are great for people who are looking to ensure coverage for a lifetime, build a cash value, set up estate conservation, or even donate money to charity when they pass.

What universal life insurance products does Cincinnati offer?

Cincinnati Life Insurance Company sells a few different universal life insurance products.

Universal life insurance is a type of permanent life insurance that is very similar to whole life policies. However, universal life insurance gives policyholders more options when it comes to premium payments and death benefits.

This type of coverage is great for people who want the lifetime protection of whole life insurance but can’t afford the premiums of whole life insurance. Universal life insurance policies allow consumers to adjust their premiums and their death benefits to meet their financial needs of the moment.

Cincinnati sells three different types of universal life insurance coverage:

  1. Pivot designed for children under 18.
  2. Heritage is universal life insurance for people 18 and over.
  3. LifeSetter Flex is a universal life insurance policy with limited cash growth and lower premiums more akin to term policies.

LifeSetter Flex is perfect for people who are not sure if they can afford the premiums of permanent life insurance but want their life insurance coverage to last a lifetime.

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What is the financial strength of Cincinnati Life Insurance?

Cincinnati Life Insurance Company has a financial strength rating of A+ from independent reviewer A.M. Best. This means the company is financially strong and likely able to pay for its benefits in a timely manner.

Cincinnati Life Insurance: What’s the Bottom Line?

Cincinnati offers a number of life insurance products for consumers to choose from. This company values the personal relationships between agents and their communities, and it is a financially strong company. If you’re looking for quality life insurance, this company is not a bad choice.

If you’re ready to buy Cincinnati life insurance, enter your ZIP code below to compare life insurance rates from the top companies in your area.


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