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: Sep 24, 2021

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The Facts of Life

  • Cincinnati has lower monthly rates than American Amicable
  • American Amicable has more coverage options than Cincinnati
  • Cincinnati has been rated better than American Amicable by A.M. Best

American Amicable and Cincinnati provide permanent and term life insurance to customers.

Cincinnati has lower rates and better financial ratings, but American Amicable has more coverage options. Comparing American Amicable vs. Cincinnati will help you find the best fit for your needs.

Before comparing American Amicable vs. Cincinnati life insurance, enter your ZIP code above to get free life insurance quotes in your area.

American Amicable vs. Cincinnati: What are their monthly rates?

Comparing affordable American Amicable vs. Cincinnati life insurance rates will help you find the most cost-effective option. The following charts show the average American Amicable and Cincinnati monthly rates for a 20-year term at $250,000 based on age and gender.

These are the life insurance rates for men:

American Amicable vs. Cincinnati: 20-Year Term $250,000 Policy Monthly Rates by Age for Males
AgeAmerican Amicable Average Monthly RatesCincinnati Average Monthly Rates
30$26.10$13.64
40$40.28$20.68
50$87.75$27.28
60$190.35$56.76
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The following chart shows the same information for women:

American Amicable vs. Cincinnati: 20-Year Term $250,000 Policy Monthly Rates by Age for Females
AgeAmerican Amicable Average Monthly RatesCincinnati Average Monthly Rates
30$19.35$12.10
40$31.05$18.70
50$58.50$27.28
60$136.35$56.76
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As you can see, Cincinnati is cheaper than American Amicable, and rates are lower for women than men.

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American Amicable vs. Cincinnati: What are their policy options?

Examing the American Amicable vs. Cincinnati life insurance company policies will help you find the provider with the best coverage. Both companies offer term life, universal life, and whole life insurance. Additionally, American Amicable provides final expense coverage.

American Amicable provides term life insurance in 10, 15, 20, 25, and 30-year terms. These policies are available for customers between 18 and 95 years old, and coverage ranges from $50,000 to $400,000.

The company has two different term life policies. The Express Term plan is a simplified option, featuring automatic acceptance and no medical exam. The group plan is available for customers up to 65 years of age and is for government employees and first responders.

Permanent life options from American Amicable include whole life and universal life insurance. While whole life insurance features fixed rates, universal life policies have flexible rates.

American Amicable offers universal life policies as non-medical or fully underwritten plans. Non-medical plans don’t require an exam, and fully underwritten policies have more coverage options.

An additional whole life policy provided by American Amicable is final expense insurance. Available for customers 50 years and older, this coverage pays for final expenses, such as funeral or burial costs.

Cincinnati provides term life insurance in 10, 15, 20, 25, and 30-year terms. The company’s Termsetter Return of Premium (ROP) plan returns payments if the policyholder outlives the term. However, this plan is only available for 20, 25, and 30-year terms.

Similar to American Amicable, Cincinnati offers whole life and universal life policies. Additionally, the company provides disability income insurance as a standalone option. The plan is unique because most companies offer it as a rider.

American Amicable vs. Cincinnati: What riders are available?

Life insurance companies offer options that customers can add to a policy. These options are referred to as riders and allow customers to customize a policy to meet their needs.

Comparing the available riders will help you determine whether to buy American Amicable or Cincinnati life insurance.

The accelerated death benefit rider allows policyholders to access a portion of their death benefit before death if they suffer from a chronic or terminal illness. American Amicable includes this rider with permanent life policies, and Cincinnati offers it as an option.

In addition to the accelerated death benefit rider, both companies offer multiple optional riders that customers can add for an additional fee. Optional riders offered by American Amicable include:

  • Total disability
  • Waiver of premium for unemployment
  • Waiver of premium for disability
  • Children’s insurance
  • Accidental death benefit
  • Grandchild insurance
  • Nursing home waiver of premium
  • Children’s insurance agreement
  • Family insurance agreement

Optional riders offered by Cincinnati include:

  • Children’s term life insurance
  • Disability waiver of a premium

As you can see, American Amicable offers more riders than Cincinnati. Adding these options to a policy will increase your American Amicable or Cincinnati life insurance quotes.

American Amicable vs. Cincinnati: What are their financial ratings?

Credit rating agencies examine life insurance companies and rate them based on financial strength. These financial ratings determine the likelihood that the company will provide a payout when you file a claim.

The American Amicable Life Insurance Company has been rated an A by A.M. Best, but hasn’t been rated by Moody’s or S&P. The company’s A.M. Best rating is solid and informs customers that they will receive a payout in most circumstances.

Cincinnati has been rated an A+ by A.M. Best and S&P, and an A1 by Moody’s. These are among the best ratings in the industry, indicating superior financial strength.

Cincinnati’s A.M. Best rating is better than American Amicable, showing that the company is more likely to provide a payout to customers. The lack of an American Amicable rating by Moody’s and S&P is due to the company’s small size.

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American Amicable vs. Cincinnati: Do they have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) examine life insurance company complaints. The organizations have completed American Amicable and Cincinnati Life Insurance Company reviews.

At the time of this comparison, the BBB has received 16 complaints about American Amicable over the past three years. According to the NAIC, the company has a complaint index ratio of 2.66, indicating more than double the complaints of a similarly-sized company.

The BBB has received nine complaints about the Cincinnati Life Insurance Company over the past three years. Cincinnati has a complaint index ratio of 0.25 from the NAIC, indicating far fewer complaints than competitors of a similar size.

While Cincinnati has fewer complaints and a better complaint index ratio, looking at specific complaints will help you determine if they should impact your decision.

American Amicable vs. Cincinnati: Do they have mobile-friendly websites?

American Amicable and Cincinnati have mobile-friendly websites that are accessible on any tablet or smartphone. After purchasing an American Amicable or Cincinnati policy, you can make changes or payments with your American Amicable or Cincinnati Life Insurance login.

American Amicable vs. Cincinnati Life Insurance: The Bottom Line

The decision between American Amicable and Cincinnati depends on personal preference. Cincinnati has lower life insurance rates and better financial ratings, but American Amicable has more policy options. 

Now that you’ve compared American Amicable vs. Cincinnati, enter your ZIP code below to find free life insurance rates in your area.