Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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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: Jun 23, 2021

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

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The Facts of Life

  • Cincinnati life insurance rates are lower than AIG rates for both men and women
  • Cincinnati has a slightly higher A.M. Best rating than AIG
  • AIG has a B rating with the Better Business Bureau (BBB) and Cincinnati isn’t rated at all

When it comes to the best life insurance companies, you have a lot of options to choose from, and comparing them side by side can help you make the best choice. We’ll evaluate AIG vs. Cincinnati life insurance companies to see if either is your best option.

While both companies offer various life insurance products and other services, you should compare the rates and ratings before you buy AIG vs. Cincinnati life insurance.

Know that your options aren’t limited to just AIG vs. Cincinnati. There are many different companies out there offering the coverage you need at cheap rates.

Keep reading to compare AIG vs. Cincinnati life insurance. Enter your ZIP code now to compare life insurance rates from companies near you for free.

AIG vs. Cincinnati: Which company offers more affordable rates to women?

Although many different factors affect your life insurance rates, your age, gender, and medical history are the most significant.

This table compares the average monthly AIG vs. Cincinnati life insurance rates for women who don’t smoke.

AIG and Cincinnati Average Monthly Life Insurance Rates for Women for a $100,000 20-Year Policy
Age of Female Non-SmokerAIG Average Monthly Rates $100,000/20-YearCincinnati Average Monthly Rates $100,000/20-Year
25$10.60$9.68
30$10.69$10.12
35$11.07$10.65
40$11.50$12.67
45$14.42$16.10
50$19.81$20.86
55$27.46$28.60
60$47.89$43.91
65$81.95$70.31
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Cincinnati’s life insurance rates are cheaper for women of all ages. Keep in mind, your rates will be higher if you smoke or have certain medical conditions.

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AIG vs. Cincinnati: Which company offers more affordable rates to men?

Next, let’s look at the average monthly AIG and Cincinnati life insurance rates for men.

AIG and Cincinnati Average Monthly Life Insurance Rates for Men for a $100,000 20-Year Policy
Age of Male Non-SmokerAIG Average Monthly Rates $100,000/20-YearCincinnati Average Monthly Rates $100,000/20-Year
25$10.94$10.47
30$10.94$10.56
35$11.17$11.44
40$14.14$14.17
45$17.59$19.10
50$26.16$24.82
55$37.26$35.38
60$55.75$56.67
65$99.29$101.38
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Once again, AIG has the higher rates. As with rates for women, costs will be higher if you smoke or have certain medical conditions.

Comparing AIG vs. Cincinnati life insurance quotes can be difficult. AIG offers quotes online, but Cincinnati doesn’t.

In order to get a Cincinnati life insurance quote, you must speak with an agent. You can find an agent online or call the Cincinnati life insurance phone number at (888) 242-8811.

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

In addition to rates, it important to look at AIG and Cincinnati ratings and reviews. Having the cheapest rates doesn’t matter if you can’t depend on your life insurance company.

A.M. Best evaluates companies on their financial health. Ratings go from A++ all the way down to D. AIG received an A rating, showing an excellent ability to meet financial obligations. Cincinnati received an A+ rating, meaning it has a superior ability to meet financial obligations.

The Better Business Bureau rating scale goes from A+ down to F. AIG received a B rating while Cincinnati isn’t rated. Neither company is accredited.

AIG vs. Cincinnati: The Bottom Line

Although both companies offer various types of life insurance, there are many differences in the products each company offers.

You can find AIG auto insurance, as well as AIG retirement services, mutual funds, and annuities. AIG stock advice is part of those services also. Use your AIG login to manage your policies, pay bills, and file claims at any time.

Cincinnati also offers homeowners insurance and auto insurance.  There is also insurance for customers with high-end needs, such as homeowners insurance for homes over $1 million and yacht insurance.

Your Cincinnati life insurance login will allow you to access your accounts and make a one-time payment. It does not give you full access to your policies. You must speak with your agent for any other services.

To learn more about each company, read our AIG term life insurance review and our Cincinnati life insurance review.

While you can find affordable AIG vs. Cincinnati life insurance quotes, you should still shop around to see what company can offer you the insurance products you need at the best rates.

Don’t let your comparison stop with AIG vs. Cincinnati life insurance. Enter your ZIP code now to compare life insurance quotes from multiple companies in your area for free.