Cincinnati Life Insurance Review (2021)

The Cincinnati Insurance Company is one of the best life insurance providers in the United States. Cincinnati life insurance rates start as low as $10.30/mo, but life insurance costs will vary for each person. To secure affordable Cincinnati life insurance, you'll need to have good health and a moderate coverage limit. Cincinnati Insurance currently has an "A+" with A.M. Best.

UPDATED: Oct 2, 2022Fact Checked

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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Oct 2, 2022

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Company Details
Address: 6200 South Gilmore Road
City: Fairfield
State: Ohio
ZIP Code: 45014
Phone Number: 513-870-2000
Year Founded: 1950
AM Best Rating: A+
URL where was collected the AM Best Rating: https://www.cinfin.com/financial-strength/a-m-best
Lines of Insurance: Aircraft, Auto, Business, Commercial Auto, Earthquake, Flood, Homeowners, Life
States Licensed To Sell Insurance In: All States including Washington D.C. and Puerto Rico
Type of Insurance Company: Multi-Service
Parent Company: Cincinnati Financial Corporation
Top executive Contact: Steven J. Johnston
Title of Top executive: Director President and Chief Executive Officer
Ticker Symbol: CINF
Assets & Premiums:

Total Assets: $15.2 Billion / Direct Premiums Written: $4.3 Billion

Insurance subsidiaries:
  1. The Cincinnati Insurance Company
  2. Cincinnati Global Underwriting Ltd.
  3. CFC Investment Company
  4. CSU Producer Resources Inc.
  5. Cincinnati Financial Corp., Asset Management Arm

The Cincinnati Insurance Company is one of the top life insurance companies in the United States.

In addition to life insurance, Cincinnati Insurance Company offers other services that can bundle into your life insurance policy, saving you money each month.

But how much can you save on Cincinnati life insurance rates?

Read through our Cincinnati life insurance review to learn more about Cincinnati life insurance quotes, other products, third-party ratings, and much more.

If the Cincinnati Insurance Company isn’t right for you, enter your ZIP code in the free comparison tool above to compare your local area’s best companies.

What life insurance products does Cincinnati Insurance provide?

Cincinnati Insurance Company provides aircraft, auto, business, commercial auto, earthquake, flood, homeowners, and life insurance.

However, we want to focus on Cincinnati Insurance’s life insurance for this review.

Cincinnati Insurance also provides annuities. If you want to invest in an annuity, learn more about estate planning law.

Here’s a list of life insurance products (called LifeHorizons) you can receive at Cincinnati Insurance Company.

  • Termsetter
  • Termsetter No-Medical Exam
  • Termsetter Return of Premium
  • Simplicity Universal Life
  • Lifesetter Universal Life
  • Guaranteed Whole Life

The “Termsetter” policies are term life insurance that can last up to 30 years depending on your needs. Return of premium policies reimburses all the money you paid throughout the term life policy.

Customize your life insurance with life insurance riders, such as accelerated benefit, children’s term life, accidental death, and disability waiver of premium riders.

The other policies are permanent life insurance opportunities. These policies behave like retirements and last until you pass away.

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How much are Cincinnati life insurance rates?

You can pay as low as $10.30 per month for Cincinnati life insurance. However, cheap Cincinnati life insurance depends on your age, health, and death benefit (coverage amount).

Before you buy Cincinnati life insurance, let’s compare the average cost of Cincinnati insurance rates for males and females by age.

Cincinnati Life Insurance Rates for Term Life Insurance by Term Length, Age, Health, and Death Benefit
Age of Policyholder10-Year Term Life Insurance Rates for Male Non-Smokers ($100K)10-Year Term Life Insurance Rates for Female Non-Smokers ($100K)10-Year Term Life Insurance Rates for Male Non-Smokers ($250K)10-Year Term Life Insurance Rates for Female Non-Smokers ($250K)10-Year Term Life Insurance Rates for Male Smokers ($250K)10-Year Term Life Insurance Rates for Female Smokers ($250K)20-Year Term Life Insurance Rates for Male Smokers ($500K)20-Year Term Life Insurance Rates for Female Smokers ($500K)
25$10.30$9.50$13.20$12.10$28.82$23.98$65.56$48.84
30$10.30$9.94$13.20$12.10$29.04$23.98$70.84$57.64
35$10.65$10.38$14.08$13.42$34.32$28.16$87.56$73.48
40$12.32$11.62$17.60$16.28$49.28$35.86$127.60$105.16
45$14.61$13.29$23.32$19.80$67.98$52.14$212.96$156.20
50$18.04$15.49$29.70$25.30$98.34$75.02$311.52$226.60
55$22.79$19.71$41.58$34.54$149.60$109.78$508.64$341.44
60$32.38$24.90$63.58$49.06$233.20$157.30$760.32$526.24
65$53.68$36.96$107.14$78.32$374.44$232.54$1,249.16$835.56
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More death benefits mean higher term life insurance rates per month. However, you can access cheap Cincinnati life insurance if you’re in your mid-20s to early 50s.

Expect your rates to be even higher when you have a $1 million death benefit.

Smokers pay the most for life insurance, though. Senior smokers pay the most for term life insurance, so it may be more cost-efficient to invest in a permanent life insurance policy.

Does Cincinnati Insurance have good financial strength, credit ratings, and customer reviews?

Cincinnati Insurance is also known for its excellent financial strength and credit ratings. Let’s get right into it and look at the ratings from the top financial strength rating agencies.

The ratings in the list all show Cincinnati’s stable financial outlook. Moody’s and S&P interpret Cincinnati Insurance credit rating as stronger than most companies.

What about Cincinnati Insurance customer reviews and complaints?

According to the National Association of Insurance Commissioners (NAIC), Cincinnati Insurance Company has a complaint index of 0.34, an index lower than the average insurance company in 2020.

Although Cincinnati Insurance is an accredited business with an “A+” under the Better Business Bureau (BBB), it has a 1.67 rating from customer reviews.

In the past three years, 12 customers have complained about Cincinnati’s service, and five of those complaints have been resolved.

How do I file a Cincinnati life insurance claim?

One of the most frequently asked questions is: How can Cincinnati policyholders file a life insurance claim?

The best way to file a Cincinnati life insurance claim is to call 1-888-212-6970. Tell the Cincinnati agent that you need to make a claim. Cincinnati Insurance agents are available from 7:45 a.m. to 4:30 p.m.

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What is Cincinnati Insurance’s history?

Cincinnati Insurance is an Ohio-based insurance company founded in 1950 by four insurance agents.

The Cincinnati Life Insurance Company focuses on life insurance, disability insurance, and annuities, and it still provides a strong investment pool in 2021.

Cincinnati Financial is Cincinnati Insurance’s parent company.

In 2019, Cincinnati Financial acquired MSP Underwriting – a worldwide specialty underwriter. It was quickly rebranded as Cincinnati Global Underwriters Insurance Company.

Cincinnati Life Insurance: What’s the bottom line?

Cincinnati Insurance may be one of the best companies for life insurance. Try bundling your life insurance with other insurance products to save even more money per year on your policies.

However, your rates are determined by age, health, and coverage limits. Therefore, you can secure cheap Cincinnati life insurance based on specific factors.

You’ve seen what Cincinnati life insurance has to offer. Use our free comparison tool by entering your ZIP code to compare multiple insurance companies in your local area.

Reviews
for Cincinnati Insurance Company

3.91 (145 reviews)
1
July 31, 2021

Hugh1

Cincinnati Doesn't Care About Loyal Customers

Personal lines customer on their executive plan for 15 years. Very few claims. Until recently. My 20 year old son had a wreck. Thank God nobody was injured, but it did cost Cincy some money. Son also had a speeding ticket on his record and he literally bumped somebody at a traffic light one day. Did not file a claim on that one. Anyway, yes insurance companies don't like male drivers under 25 anyway. They non - renewed my auto, umbrella, ...
Personal lines customer on their executive plan for 15 years. Very few claims. Until recently. My 20 year old son had a wreck. Thank God nobody was injured, but it did cost Cincy some money. Son also had a speeding ticket on his record and he literally bumped somebody at a traffic light one day. Did not file a claim on that one. Anyway, yes insurance companies don't like male drivers under 25 anyway. They non - renewed my auto, umbrella, watercraft. But said they wanted to keep my homeowners, my 3 commercial business lines which generate $50,000-$60,000 in premium dollars. Well, they are losing all of it. I hope they are happy. Also losing my father's and daughter's personal lines. I used to sing the praises of this company and thought they were the best. They are only the best when you don't need them and they are taking your premium dollars. No such thing as relationships anymore. They apparently do whatever the computer model tells them to do. Beware!
1
December 3, 2020

Scrubalupagus

AVOID AT ALL COSTS - BUYER BEWARE!

Don't believe this company's "bot reviews," no one goes out of their way to write about "ok" experiences, which this company seems to have between the real reviews. I was a customer for around 5 years. I make a claim for my stolen vehicle. As soon as I do, they retaliate by CANCELLING my policy on my current used vehicle. They take three months, LIE to me, tell me my vehicle had been recovered. I contact the police to try to get my vehicle, ...
Don't believe this company's "bot reviews," no one goes out of their way to write about "ok" experiences, which this company seems to have between the real reviews. I was a customer for around 5 years. I make a claim for my stolen vehicle. As soon as I do, they retaliate by CANCELLING my policy on my current used vehicle. They take three months, LIE to me, tell me my vehicle had been recovered. I contact the police to try to get my vehicle, the police tell me that it hasn't been recovered. I contact this HORRIBLE excuse of a company, they tell me I didn't respond to a letter that was sent out by the police department to verify that my vehicle wasn't recovered. The police sent me no such letter, the detective on the case stated that he was unsure why my vehicle was marked recovered. Cincinnati treated me LIKE I WAS THE CRIMINAL, and pushed back my claim as far as they could. (State law gives auto-insurance companies 30 days to complete a claim.) It took them 97 days. By law, I'm still owed INTEREST, they have yet to pay. They also cost me a Federal job, as their lack of any form of human emotion, or duty to their customer or to even follow the law, by not getting my claim completed within a reasonable amount of time. I needed that money for the move, THEY KNEW IT. Zero compassion, zero human empathy, investigator mental capacity less than that of a potato. Do not give them your business, they will make things difficult when it's time for you to use their service. Get a company that actually cares about their customers, and if you're getting discounts and cheap rates from them, remember, you get what you pay for, and you pay for ignorance, greedy pencil pushers that will spend more time looking on how to weasel their way out of providing services paid for than they will trying to make sure that you are ok. Have already convinced family and friends to leave them. I won't beg, but, if you want a hassle and time wasted when you NEED support and recovery, then this is not the company for you. Find a company that is there for you when you need it most. This company is just one big waste of oxygen. But, hey, the truth will out, and their greed, pride and selfishness will most certainly lead to the proper burial of this company.
5
November 21, 2019

Jadespirit

Great customer service

Great customer service! Very professional and responsive! They were able to get my car in for repairs very quickly.
2
October 12, 2019

bravefreak1995

Silent Partner

They are ok to have but communication with them isn't great. When making policy changes they are slow to respond to requests and also getting someone on the phone that can help is a bit of a challenge.
5
July 30, 2019

mberao23

Great customer service

They are a very good company and always there when I need them. They are quick with claims and very personable.
4
March 26, 2019

Abadam

Quality Coverage at Good Price

My independent insurance agent recommended Cincinnati Insurance as both cost effective and providing quality coverage. I’ve not had to file a claim but my agent has been so helpful and informative that I feel very confident the company will provide coverage without issue should I need to file a claim. They’ve provide good customer service when I called regarding online access to my account and billing questions.
5
January 9, 2019

622L

Amazing Company

This company has been very easy to work with. Claims are easy to do and I have never had an issue with them. ..EVER! Their rates are cheaper than others too for amazing coverage.
5
January 5, 2019

erina511

Recommend Cincinnati Insurance Company!

This company has been very easy to work with. I had an accident and they were easy to get a hold of, quick to respond, and very helpful. I received the insurance money in a timely manner and had absolutely no issues. I plan on staying with this company!
5
December 31, 2018

Janelle

Cincinnati Insurance is good.

I haven’t had many claims but when I have, they have handled everything promptly. I’ve been able to get a rental car and get my car fixed.
1
December 19, 2018

TRUMP

Horriable company

This is a horrible company when something really bad happens to you. They only look after themselves. They do not care about you.
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