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: Jul 21, 2021

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The Facts of Life

  • Cincinnati Life Insurance operates entirely through independent insurance agents
  • The company honors the standard 10-day free-look cancellation policy
  • Be sure to discuss cancellation and refund terms with your insurance agent, as that information is not available online

Life insurance policies are an easy and effective way to provide your family with a financial safety net. That said, you may learn that your current policy isn’t meeting your needs – even if it’s from one of the nation’s best life insurance companies.

This article will outline the steps you should take to get out of your Cincinnati Life insurance policy in the simplest way possible.

You might decide in the future that you’d like to purchase a replacement life insurance plan. Get a head start on that process by entering your ZIP code into our free tool for a selection of policy quotes from companies near you.

How do I cancel my Cincinnati Life insurance policy?

To start with, it might be worth reviewing the different policy options available at Cincinnati Life Insurance:

  • Term Life Insurance
  • Whole Life Insurance
  • Universal Life Insurance

The process of canceling your Cincinnati Life Insurance policy is a bit different than with other providers due to how the company operates.

Cincinnati Life Insurance’s website provides limited information about its policies, instead requiring that policyholders and potential policyholders speak directly with an insurance agent. 

That said, all life insurance providers are legally obligated to honor a 10-day “free-look” period during which you can cancel your policy without penalty and receive a full refund. Note that depending on your state of residence, this free-look period may be longer than 10 days.

For some insurance providers, the cancellation process differs depending on the type of policy you selected. Because Cincinnati Life Insurance does not advertise its cancellation and refund standards, you’ll need to speak with your agent to find out the specific cancellation terms for your policy.

If you want to speak with a Cincinnati Life Insurance customer service representative, you can contact them either through email or over the phone. Have your policy number handy, as the company requires that you provide them with that information.

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How to Get Out of Your Cincinnati Life Insurance Policy: The Bottom Line

There are many good reasons to buy life insurance, including financial security and peace of mind. But as time goes on, you might decide that you no longer want or need your policy.

While providers are obligated to grant you a 10-day free-look period during which you can cancel for any reason at no cost, cancellation and refund standards after the time limit can vary dramatically between different insurance companies.

That’s why it’s critical to ask your insurance agent about the policy’s cancellation and refund options. Unhappy with your current provider, but still want life insurance? Enter your ZIP code into our free tool and review insurance quotes from companies near you.

Cincinnati Life Insurance: Frequently Asked Questions

Read on for answers to frequently asked questions about how to cancel your life insurance policy.

#1 – How do I contact Cincinnati Life Insurance customer service?

You can call them at 1-800-783-4479, or shoot an email to [email protected]

#2 – Can I cancel my Cincinnati Life Insurance policy on their website?

No. Cincinnati Life Insurance asks potential customers to speak directly with an insurance agent for all policy purposes.