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finder.com's rating: 4.5 / 5
★★★★★
18 to 65
Issue Age
$25,000 to $500,000
Coverage
Required for all policies over $500,000 and applicants aged 60 and above
Medical Exam Required
Policies | Term, Whole and Universal Life |
---|---|
Coverage maximum | $500,000 |
Term lengths | 10, 15, 20, 25 and 30 years |
Medical exam required | Required for all policies over $500,000 and applicants aged 60 and above |
Available states | All 50 states |
Issue age | 18-65 years old |
Riders |
Child rider Guaranteed insurability rider Waiver-of-premium rider |
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Review by
Heather Petty is a writer at Finder specializing in banking, investments and insurance. She's a self-proclaimed word nerd who worked as a technical writer and editor for the casino systems industry and is an internationally published young adult mystery author. Heather earned a bachelor’s degree in English from the University of Nevada, Reno.
Cincinnati Life Insurance offers a standard set of policy options and riders to customize your policy, with cheaper rates for occasional tobacco users. But if you’re looking for a company with a better online presence and want to apply for your policy without having to go through an agent, shop around for life insurance to see if there’s a better fit for you.
Choose from one of the following types of insurance:
Cincinnati offers add-ons that customize your policy to meet your coverage needs, such as:
Cincinnati Insurance doesn’t offer online quotes or a sampling of its rates for life insurance. The company offers six underwriting rate classes for policies with a face value over $100,000, but only standard smoker and nonsmoker rates for $25,000 to $99,999 of coverage.
The following are sample monthly rates for a nonsmoker in excellent health applying for $250,000 in term life insurance coverage with the return of premium rider.
Term length | Male, age 30 | Female, age 30 | Male, age 40 | Female, age 40 |
---|---|---|---|---|
20-year term | $41.87 | $37.50 | $68.75 | $59.17 |
25-year term | $40.20 | $35.62 | $69.16 | $56.45 |
30-year term | $37.50 | $31.67 | $61.87 | $51.45 |
Cincinnati Insurance offers cheaper rates with its Preferred Plus class for nonsmokers who haven’t used tobacco or nicotine in five years, and who meet certain medical and personal history criteria.
However, it extends the nonsmoker preferred rates for occasional cigar smokers and other non tobacco products.
The company is accredited with the Better Business Bureau and has an A+ rating with only 11 complaints, as of October 2020. Complaints surround claims issues and company communication, but Cincinnati Insurance Companies has addressed and resolved them all.
However, online customer reviews are scarce, especially those specific to life insurance, so it’s hard to determine customer satisfaction.
Cincinnati Life Insurance works closely with independent insurance agents to sell their products. To get a quote or apply, find the agent nearest you using the Find an Agency link from the company home page.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our experts analyze life insurance companies to help you to find the strongest possible policy and premium for your family’s needs. We assess their financial strength, customer satisfaction, policy features and riders. We then give each insurer a score between one and five stars that reflects their offering and reputation in the industry.