(844) 786-8229 [email protected]
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Cincinnati Life Term Life Insurance Review

Cincinnati Life is especially good with tobacco, offering non-smoking rates to daily cigar and pipe smokers.

Cincinnati Life Customer Service: (513) 870-2280

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Cincinnati Life Company Overview

Location

Fairfield, Ohio

Established

1972

Value of Inforce Life Insurance

104,726,000

Employees

4,925

Location

Fairfield, Ohio

Established

1972

Value of Inforce Life Insurance

104,726,000

Employees

4,925

Cincinnati Life Ratings & Awards

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A.M. BestBetter Business BureauJ.D. PowerMoody’sStandard & Poor’s
A-A+N/AA3BBB+

A.M. Best is an independent rating agency that ranks the financial strength of life insurance companies. Their best rating is an A++. Their worst is a D.

Better Business Bureau (BBB) is a non-profit that shares customer service feedback on businesses in the USA. BBB assigns ratings from A+ (highest) to F (lowest).

J.D. Power and Associates analyzes customers’ experiences with life insurance companies and ranks them on a scale from 1 to 1000.

Moody’s Investors Service is a leading provider of credit ratings, research, and risk analysis. Moody’s rating scale ranges from Aaa to C with 1, 2, and 3 to indicate whether the ranking is on the higher or lower end of that category.

Standard and Poor’s (S&P) is the world’s leading provider of credit ratings and creditworthiness. S&P’s scale ranges from AAA to D with + or – to define standing within each category.

Business Insurance logo

Ranked one of the best midsize employers on Forbes magazine’s annual list of America’s Best Employers in April of 2019.

CIO100 logo

Cincinnati Life ranks among the top-performing U.S-based insurer groups according to the 2019 Ward’s 50 list. Insurers and groups named to the list have achieved outstanding results in the areas of safety, consistency, and financial performance over a five-year period.

DiversityInc logo

Cincinnati Financial’s headquarters facility earned a 2018 ENERGY STAR certification for superior energy performance driven by efforts to save energy, reduce pollution, and increase efficiency.

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To stand out in a competitive industry, most insurers focus on serving health or lifestyle niches.

Cincinnati Life is excellent for:

  • Cigar Smokers
  • Pipe Smokers
  • Chewing Tobacco Users
  • Healthy Individuals

Cincinnati Life is especially good with tobacco, offering non-smoking rates to daily cigar and pipe smokers.

Cincinnati Life Comparison Quotes

Cincinnati Life Termsetter

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CompanyMaleFemale
Age 30Age 40Age 50Age 60Age 70Age 30Age 40Age 50Age 60Age 70

AIG

$19.92$29.92$75.66$219.30$800.10$17.27$25.84$58.01$159.45$629.41

AXA

$21.38$29.93$73.53$228.29N/A$18.38$27.36$58.14$159.46N/A

Banner Life

$19.49$32.30$71.90$208.98$799.93$16.68$25.80$58.35$160.38$729.71

Cincinnati Life

$20.68$33.88$74.36$225.28N/A$17.60$29.92$62.48$166.76N/A

Global Atlantic

$27.15$40.05$105.47$300.38N/A$24.48$34.71$76.99$195.80N/A

Haven Life

$22.48$32.38$84.06$230.90N/A$19.46$28.07$61.66$156.84N/A

John Hancock

$25.41$30.41$74.76$210.21N/A$22.91$26.41$64.51$171.86N/A

Lincoln Financial

$28.44$38.94$78.71$213.02$813.97$23.45$30.63$59.37$147.74$584.81

Minnesota Life

$22.42$31.18$87.12$235.40N/A$18.48$26.84$62.04$153.12N/A

Pacific Life

$19.51$29.45$71.91$201.41N/A$16.70$24.82$55.21$139.02N/A

Principal

$21.43$30.54$75.16$213.06N/A$18.40$25.81$57.58$147.79N/A

Protective

$19.50$29.09$71.91$199.49N/A$16.69$25.07$54.82$138.00N/A

Prudential

$33.25$41.56$83.56$250.69N/A$27.13$37.63$72.63$172.38N/A

SBLI

$19.87$31.30$83.33$274.74N/A$17.05$24.62$60.41$165.73N/A

United of Omaha

$21.29$32.90$82.78$249.19N/A$18.28$28.17$61.71$172.65N/A

US Life

$20.76$30.27$76.55$221.87$924.25$18.16$27.24$58.82$161.32$636.77

William Penn

$19.71$32.30$72.76$208.20$800.01$16.90$25.11$56.59$151.06$729.71

 

Sample monthly premium quotes for a $500,000, 20-year term policy for healthy, non-smoking individuals living in Minnesota. Pricing varies by gender (except in Montana). Women pay less for life insurance than men because they live longer on average.

Your life insurance pricing may be different and is determined by your individual risk factors and the state where you have your primary residence. Pricing as of October 2019.

 

 

Cincinnati Life Termsetter ROP

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CompanyMaleFemale
Age 30Age 40Age 50Age 60Age 30Age 40Age 50Age 60
Cincinnati Life ROP$72.60$126.72$290.40$732.60$58.08$106.04$221.76$553.96

 

Sample monthly premium quotes for a $500,000 return of premium term life insurance policy for healthy, non-smoking individuals. Pricing varies by gender (except in Montana). Women pay less for life insurance than men because they live longer on average.

A return of premium term policy is a level term policy that returns your premiums at the end of the term if you outlive the policy.

Your life insurance pricing may be different and is determined by your individual risk factors and the state where you have your primary residence. Pricing as of September 2019.

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Cincinnati Life Features & Benefits

What we like

  • Can be converted into a permanent policy.
  • Includes Accelerated Death Benefit Rider at no charge.
  • Your medical exam can be done at home or work.
  • Review your medical exam results upon request.

What could be better

  • Every applicant must get a medical exam.
  • Credit card payments are not accepted after initial payment.
  • Policy not delivered electronically.

Cincinnati Life Policy Details

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TermsetterTermsetter ROP
Guaranteed level premiums?YesYes
Term lengths available:10, 15, 20, 25, 30*20, 25, 30*
Premiums returned at end of term?NoYes
Riders available:Accelerated Death Benefit, Premium Waiver for Disability, Accidental Death Benefit, Child RiderAccelerated Death Benefit, Premium Waiver for Disability, Accidental Death Benefit, Child Rider
Accumulates cash value?NoYes (see The Fine Print below)
Policy loans available?NoYes (see The Fine Print below)
Minimum issue age:018
Maximum issue age:7565
Minimum face amount:$25,000$25,000
Missed payment grace period:30 days**30 days**

*10-year term available for ages 0-75 (tobacco users 18-75); 15-year term available for ages 0-75 (tobacco users 18-74); 20-year term available for ages 0-65 (tobacco users 18-64); 25-year term available for 0-60 (tobacco users 18-58); 30-year term available for ages 0-55 (tobacco users 18-52). Issue ages subject to face amount and risk class. Ages 0-17 eligible for face amount less than $250,000. Ages 0-17 not eligible for Return of Premium product.

**State of issue, payment mode, and draft date can affect the grace period end date. Your policy will state specifics.

» Compare: Term life insurance quotes

Cincinnati Life Policy Riders

Increase your policy’s benefits with riders

Accelerated Death Benefit Rider

*Included 

This rider included in your policy at no charge. It gives you access to a portion of your policy’s death benefit if you are diagnosed with a terminal illness resulting in 24 months or less to live.

Accidental Death Benefit Rider

*Available at additional cost

Your policy’s beneficiary will receive an increased death benefit with this rider, if you would die due to an accident. Cost varies by age and benefit amount with options ranging up to $500,000—not to exceed policy face amount.

Child Rider

*Available at additional cost

You can add a child rider to your term policy for as little as $30 per year. This rider provides a $10,000 death benefit for all of your children under age 18. Ask your Quotacy agent for details.

Premium Waiver for Disability

*Available at additional cost

Cincinnati Life will waive premium payments during a period of total disability lasting four consecutive months or more. The waived payments don’t have to be paid back. This rider is not available on all policies and the cost varies by age.

Learn more

Wondering what types of riders are beneficial?

Cincinnati Life Policy Service

Contact

  • Customer Service: (513) 870-2280
  • Claims: (877) 242-2544
  • Email: [email protected]
  • Fax: (513) 870-2099

Hours: Monday-Friday, 7:00 AM – 4:00 PM; Saturday 7:00 AM – 12:00 PM Central

Payment Mailing Address

The Cincinnati Life Insurance Company
P.O. Box 145496
Cincinnati, OH 45250-5496

The Fine Print

Guidelines & Exclusions

Term Conversion
  • For a 10-year term, conversion to any permanent product is available the first eight years. After that, conversion products are limited.
  • For all other terms, conversion to any permanent product is available the first ten years. After that, conversion products are limited.
  • Partial conversions are allowed.
Accidental Death Benefit Rider
  • In the event of accidental bodily injury, this rider pays an additional death benefit amount for deaths that occur within 120 days after the injury.
  • Issue ages: 15-60 years.
  • Issue limits: minimum of $25,000 and maximum of $500,000, not to exceed the face amount of base policy.
Waiver of Premium Rider
  • After four consecutive months of total disability, this benefit waives the premium during the total disability of the primary insured.
  • Issue ages: 15-60 years.
Accelerated Death Benefit Rider
  • Available upon request at no charge.
  • Insured has to be diagnosed with a terminal illness or been confined continuously for 90 days in a nursing home and is reasonably expected to remain there for the duration of the insured’s life.
  • Maximum lifetime benefit is 50% of the death benefit or $250,000, whichever is less.
  • Minimum benefit that can be requested is $2,500.
  • One accelerated payment allowed per calendar year.
  • Issue ages: 15 days to 75 years.
Child Rider
  • Covers any child, step-child, or legally adopted child from 15 days after birth until the policy anniversary nearest the child’s 25th birthday.
  • After the date of application, it includes any child born to the insured or legally adopted by the insured, who is less than 19 years old.
  • The benefit is limited to 50% if the covered child dies on or prior to their first birthday.
  • Issue ages: 18-60 years. Eligible child’s issue ages: 15 days – 18 years.
Termsetter Return of Premium Policy

Cincinnati Life will return the base premiums at the end of the guaranteed term period, provided the policy is still inforce and the insured is still living. The returned premiums do not include rider or substandard premiums.

Conversions: A percentage of the policy value is payable upon conversion or early termination. The policy value is a percentage of the base premiums less any indebtedness.

Loans: The policyowner may borrow against the policy value at any time it is inforce.

Updated: September 2019

More term life insurance reviews

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