Cincinnati Life Insurance Company Review

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Though its no exam offerings are limited, The Cincinnati Life Insurance Company is a financially sound carrier with affordably priced term policies and a lineup of permanent coverage options.

A.M. Best




Standard & Poor’s


The Good

  • Financial security
  • Affordable term policies
  • Fair underwriting for limited tobacco use
  • Customer support

The Bad

  • Limited no exam coverage
  • Strict high risk underwriting
  • Long underwriting process
  • Minimal policy information online

Product Availability

Policy Types
  • Term
  • Universal
  • Whole
  • Accelerated death benefit
  • Accidental death benefit
  • Children’s term  
  • Disability waiver of premium

Review Breakdown





Financial Strength


User Experience


Product Availability





It’s important to get quotes from multiple providers before you purchase life insurance.

As long as a company is financially secure and has the policy you need, your choice of provider will likely come down to cost.

To assess a company’s affordability, we look at their rates for individuals of different ages and conditions.

The Cincinnati Life Insurance Company is one of the most affordable carriers for healthy applicants, offering competitive rates in most age ranges.

If you’re looking for cheap term life insurance, only a handful of carriers come close to Cincinnati.

While the company’s underwriting for high risk conditions is fairly strict, they are lenient in their classification of occasional tobacco users.

Tobacco chewers, pipe smokers, and occasional cigar smokers may be able to qualify for preferred rates.

Financial Strength

Financial strength is another crucial consideration when you pick a life insurance company.

You should choose a solvent provider you can depend on to pay out your policy, regardless of what happens.

The Cincinnati Life Insurance Company and its parent company, the Cincinnati Insurance Company enjoy strong third-party credit ratings.

Here’s a look at Cincinnati Life’s ratings:

A.M. BestA+
Standard & Poor’sA+

These ratings suggest Cincinnati Life is a dependable company with a promising outlook.

Cincinnati Financial Corporation’s overall performance and legacy add to its subsidiary’s financial strength, with the corporation reporting a net income of $1.216 billion in 2020.

Bottom line: you can count on Cincinnati Life’s financial stability and their means to pay out your policy’s benefits.

User Experience

Some companies make the life insurance process easier than others.

The best carriers simplify their application and claims process, aiming to provide customers with an excellent experience at every step.

In order to evaluate user experience, we turn to external consumer ratings, as well as the company’s own website and application process.


One of the best ways to assess customer experience is to see what customers are saying about a company.

The Better Business Bureau provides insight here, rating companies based on factors like their complaint history and transparency.

Currently, Cincinnati Life’s parent company, Cincinnati Financial, has an “A+” from the BBB, and it has been accredited since 1981.

The J.D. Power U.S. Life Insurance Study is another great metric, scoring the top 25 life insurance companies based on user experience.

Cincinnati Life was not featured in the most recent study.


Information on Cincinnati Life is featured on the Cincinnati Insurance Companies website.

Overall, the website is easy to navigate, directing businesses, individuals, agents, and investors to different pages with relevant info.

While the company has plenty of information on its history and financial performance, details about its life insurance policies are sparse.

Users are required to contact an independent agent to get a claim or apply for a policy, rather than carrying out these actions online.

Policyholders need to contact the company or their agent to manage their policies as well, with limited options online.

Likewise, the website directs beneficiaries to call the company during its business hours to initiate the claims process.

But with thousands of representatitves, the company acts quickly to process claims.


Once you’ve connected with an independent agent who sells Cincinnati Life’s policies, you can apply for a policy with them.

While Cincinnati Life does offer no exam coverage to some applicants, these policies out at $99,000 and are only available up to age 60.

The underwriting process for both Cincinnati Life’s no exam and medically underwritten policies is longer than average.

When you submit your application, you’ll answer a health questionnaire and submit to a check of your prescription database records, MVR, and MIB information.

Many companies will issue policies well beyond the age of 60, but this is the cutoff for standard non-medical exam policies with Cincinnati.

Applicants between the ages of 61-75 and those looking for more than $100,000 of coverage will be required to schedule a medical exam.

Product Availability

Cincinnati Life offers term, universal, and whole life insurance policies. We’ll look at the basics of each policy below.


Term life insurance offers sizable amounts of coverage at an affordable rate, providing protection for a set period of time.

Term coverage may last anywhere from 10 to 30 years with Cincinnati Life Insurance.

The company offers two term policy options:

  • Termsetter: Provides a level death benefit and premiums with terms ranging from 10-30 years.
  • Termsetter ROP: Provides a level death benefit and premiums with 20, 25, or 30-year terms and a money-back guarantee if you outlive your policy.


If you’re looking for lifelong coverage with lower premiums and more flexibility than a whole life policy, one of Cincinnati Life’s competitive universal life policies could be a good fit.

Universal life insurance allows you to adjust your premiums and face amount as your needs change.

In addition to flexible premiums and benefits, the policy comes with tax-deferred cash value.


Cincinnati Life Insurance’s whole life policy offers lifelong coverage, providing you with both a death benefit and an interest-bearing cash value account.

This whole life policy is guaranteed, meaning you lock in premium rates, the face amount, and the interest rate on your cash value account from day one.

The policy can be used to cover smaller needs like final expenses, or more substantial long-term needs.

Additionally, Cincinnati’s term policies can be converted into whole life policies at manageable rates without new evidence of insurability.


The Cincinnati Insurance Company was founded in 1950 by four independent insurance agents in Cincinnati, Ohio.

Now located in Fairfield, Ohio, The Cincinnati Insurance Company is a subsidiary of Cincinnati Financial Corporation, which operates through a number of insurance and financial services subsidiaries.

The Cincinnati Insurance Company itself has a few subsidiaries, including Cincinnati Life Insurance.

With over 3,200 associates, including approximately 1,700 local claims associates, The Cincinnati Life Insurance Company aims to provide individualized attention to its clients in order to meet their needs with specificity and care.

The company’s website does not detail their philanthropic efforts or any accolades, though they do appear to focus on actively helping the communities they serve.

Brand Recognition

The Cincinnati Life Insurance Company does not possess the same household recognition as some of its competitors, with limited brand partnerships and advertising.

The company does not have much of a presence on social media, either.

In fact, Cincinnati Life itself does not appear to be active on any major social media platforms, while Cincinnati Financial has Facebook and Youtube accounts that share educational content on various financial products.


Before you pick a life insurance company, it’s a good idea to see what experts generally have to say about it.

In addition to evaluating the company thoroughly, we’ve analyzed company reviews and ratings from across the industry to assess the consensus surrounding Cincinnati Life.

Cincinnati Life rarely makes the list as one of the top life insurance companies overall, based on its limited policies, underwriting process, and lack of recognition.

Depending on your risk factors, age, and coverage needs, the company could offer you the most competitive rates on term life insurance.

Regardless, Cincinnati Life is a financially stable company with a positive reputation for offering hands-on customer service.

Cincinnati Life Insurance Company Review

(800) 783-4479
6200 S. Gilmore Road
Fairfield, OH 45014

Company Name (and subsidiaries)

  • The Cincinnati Insurance Companies (Parent)
  • The Cincinnati Indemnity Company
  • The Cincinnati Casualty Company
  • The Cincinnati Specialty Underwriters Insurance Company


Jason Fisher

Jason Fisher is the founder and CEO of, LLC. and a multi-state licensed life insurance agent who has helped over a million Americans seek out affordable coverage, compare quotes, or get their family and businesses covered.