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: Mar 2, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Company Details
Address: 6200 S Gilmore Rd
City: Fairfield
State: OH
ZIP Code: 45014
Phone Number: (513) 870-2000
Year Founded: 1951
AM Best Rating: A+
Company Rating 0 (0 reviews)

Cincinnati Life Insurance is a growing insurance provider that has been around since 1951. With competitive term life insurance rates, Cincinnati Life could be a great option for affordable life insurance.

Shopping for life insurance isn’t as easy as just finding good rates. With our Cincinnati Life Insurance Company review, we’ll cover its rates, financial strength ratings, and the products it offers.

Excited to start shopping for Cincinnati Life Insurance? Don’t wait to compare rates from other top insurers. Get instant quotes from multiple companies using our free quote tool above.

What products does Cincinnati Insurance offer?

One of the best ways to save money on insurance is to combine policies. When looking at the products offered by Cincinnati Life Insurance, you’ll notice that this might be an option for you.

Cincinnati Insurance Company offers term, universal, and whole life insurance products. It can be beneficial to have a company with both term and permanent life insurance options in case you decide to change policy types down the road.

Term life insurance with Cincinnati Life can be purchased in 10, 15, 20, 25, and 30-year terms. One major benefit of Cincinnati term life insurance is that it offers return of premium life insurance, labeled as Termsetter ROP.

Return of premium life insurance policies will return base premiums to policyholders if they outlive their life insurance policy. This becomes a major incentive for younger people looking for financial security through life insurance and is often a way to customize your life insurance policy.

Cincinnati Life Insurance also offers universal and whole life insurance options. The major difference between these two options is that universal life tends to be more flexible than whole life insurance.

Both universal and whole life insurance will accrue cash value that can be withdrawn or utilized as a savings account, in a sense. This cash value is also tax-deferred, unlike many other investment options.

What other products are offered by Cincinnati Life Insurance Company?

Looking to stack your life insurance policy with other types of insurance? Whether you’re looking for convenience or discounts, you might be in luck.

Cincinnati Life offers the following insurance products:

  • Home
  • Auto
  • Personal Articles
  • Umbrella
  • Watercraft
  • Annuities
  • Other Risk Management Options

Paying one monthly bill for multiple insurance products can take some of the hassle out of buying Cincinnati Life Insurance. You’ll only have to deal with one agent for various insurance products.

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How much does Cincinnati Life Insurance cost?

Are the insurer’s rates competitive? We’ll take a look to see if you’ll be able to find affordable Cincinnati Life Insurance rates.

Cincinnati Insurance Company's 20-Year Term Life Insurance Rates by Age, Gender, and Coverage Value
Age and Gender$100,000 Policy Average Monthly Rates$250,000 Policy Average Monthly Rates$500,000 Policy Average Monthly Rates
25-Year-Old Male$10.47$14.52$22.00
25-Year-Old Female$9.68$12.54$17.60
35-Year-Old Male$11.44$17.38$26.40
35-Year-Old Female$10.55$14.96$22.88
45-Year-Old Male$19.10$34.54$54.56
45-Year-Old Female$16.10$27.72$46.64
55-Year-Old Male$35.38$73.26$130.68
55-Year-Old Female$28.60$56.76$103.40
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The standard for term life insurance is that males will pay more than females due to an increased risk to insure them. You’ll also see life insurance rates increase by age.

There are many other factors that can impact life insurance rates like health, hobbies, jobs, and more. To be transparent, we’ll compare the Cincinnati term life insurance rates to other common providers.

Comparison of Cincinnati Life Insurance Rates vs. Other Companies for 20-Year $200,000 Policy by Age and Gender
Age and Gender20 Year - $250,000 Cincinnati Life Monthly Rates20 Year - $250,000
State Farm Monthly Rates
20 Year - $250,000
MassMutual Monthly Rates
20 Year - $250,000
John Hancock Monthly Rates
20 Year - $250,000
Prudential Monthly Rates
Age 30 - Male$14.52$24.59$15.23$14.79$20.35
Age 30 - Female$12.54$18.72$13.70$13.74$17.28
Age 40 - Male$23.76$33.72$20.68$22.09$24.50
Age 40 - Female$19.80$28.49$17.83$19.94$22.53
Age 50 - Male$47.74$69.59$47.63$49.24$45.50
Age 50 - Female$38.72$54.59$36.33$38.56$40.03
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Cincinnati Life’s rates are reasonable when comparing them to other insurers. You’ll notice the best way to save money on Cincinnati Life Insurance is to purchase a policy while you’re younger since it increases prices by age faster than some other companies.

What is Cincinnati Life Insurance Company?

While browsing life insurance options in your area, you may come across Cincinnati Life Insurance, even if you don’t live in Ohio. You can actually find Cincinnati Life across the United States.

The Cincinnati Insurance Company is an insurance provider that operates under a number of names. For example, it goes by both Cincinnati Life Insurance Company and Cincinnati Insurance Company.

Cincinnati Life offers an assortment of insurance products and annuities. The company has expanded over the years by merging multiple subsidiaries with a focus on its headquarters.

The Cincinnati Life Insurance history has shown consistent growth, acquisitions, and more. Cincinnati Insurance has been operating since 1951 and shows no signs of slowing down.

Does Cincinnati Life Insurance have good ratings?

Before you rush off to find Cincinnati Life Insurance quotes, you’ll want to be sure that the company is stable, trustworthy, and that it offers the products that you need.

The Cincinnati Life Insurance financial ratings have consistently been reaffirmed by A.M. Best. Cincinnati Insurance Companies have been awarded an A+ for financial strength for many years, according to their website.

Cincinnati Life has also boasted the following ratings:

  • Moodys: A1 (Low Risk)
  • Fitch: A+ (High Quality)
  • S&P: A+ (Low Risk)

In any case, it appears that the conglomerate of Cincinnati Financial Corporation companies is in good financial standing.

Are there consumer complaints about Cincinnati Life?

Beyond the financial strength, you’ll want to know about a life insurance company’s reviews. Even a financially stable company can have negative reviews from customers.

According to the Better Business Bureau, Cincinnati Insurance Company has poor reviews, averaging a one out of five. That said, there is actually only one review in total and it comes from a client of a different insurance company.

The Cincinnati Finacial Corporation complaints are also limited. The parent company of Cincinnati Life Insurance has just 11 complaints in total. There are no reviews for Cincinnati Life via ConsumerAffairs.

Having few complaints is a good sign. Many policyholders will have complaints during the claims process. How are their claims processed? Cincinnati Life claims are initiated via phone, according to its website.

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Is Cincinnati Life Insurance a good company?

There is a lot to look at when choosing a life insurance company. To make matters clear, we’ll summarize the good and the bad about Cincinnati Life here.

Pros of Cincinnati Life

  • Few complaints
  • Competitive rates
  • Good financial ratings

Cons of Cincinnati Life

  • No online claims
  • Limited customer reviews

Cincinnati Life Insurance Company has a lot going for it. Based on its rates, reviews, and ratings, it’s no surprise that the company continues expanding.

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Cincinnati Life Insurance: The Bottom Line

Cincinnati Life Insurance is a lesser-known life insurance company. It offers term, whole, and universal life insurance products at affordable rates.

Already have a Cincinnati Life Insurance quote? Be sure to shop around. Compare quotes from top insurers in just a few clicks using our free quote tool below.