Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Aug 25, 2021

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The Truth in a Nutshell

  • The Cincinnati Life Insurance Company offers term life, whole life, and universal life insurance
  • You can pay as low as $10/mo for term life insurance at Cincinnati Life Insurance Company
  • Cincinnati Life Insurance has “A+” ratings across the board

Cincinnati Life Insurance Company is a small life insurance company in the United States with the potential to be a leading insurance provider.

If you’re curious about buying life insurance, you’ve probably wondered how much life insurance costs at Cincinnati Life Insurance Company. Don’t worry – we’re here to answer any questions about the Ohio-based company.

Our guide explains everything you need to know about their quotes, types of coverage, insurance products, and third-party ratings. We even go into what sort of customer satisfaction ratings they have.

Read on to learn more about Cincinnati life insurance rates. Enter your ZIP code in the free comparison tool above to compare multiple companies in your local area and secure affordable life insurance rates today.

What products are available at this Ohio-based company?

Before you buy life insurance, take a moment to look at what life insurance policies are available. Here’s a list of the term and permanent life insurance policies you can choose from:

  • LifeHorizons Termsetter (No Medical Exam)
  • LifeHorizons Termsetter ROP (return of premium perk)
  • LifeHorizons Simplicity Universal Life
  • LifeHorizons Lifesetter Universal Life
  • LifeHorizons Guaranteed Whole Life

You can customize each policy with life insurance riders, such as accelerated benefit, children’s term life, accidental death benefit, and disability waiver of premium.

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What are some other insurance products available to you as a consumer?

They also have several personal and business insurance products, and aren’t just limited to offering you a policy for life coverage. Let’s look at a list of what’s available.

  • Executive Capstone Program (insurance for high-value homes)
  • Home Insurance
  • Condo Insurance
  • Auto Insurance (also available for business insurance)
  • Renters Insurance
  • Umbrella Insurance (also available for business insurance)
  • Watercraft Insurance (inland marine for business insurance)
  • Annuities
  • Risk Management
  • Group Life Insurance
  • Workers’ Compensation (business insurance)
  • Commercial Property (business insurance)
  • Business Liability
  • Cyber Risk (business insurance)
  • Crime (business insurance)
  • Commercial Property Insurance (business insurance)

If you bundle your life insurance policy with any of these other insurance products, you may be eligible for a discount. Once you have a Cincinnati Life insurance account, you can manage your policy online using your login information.

How much are rates?

Looking for quotes? Many companies are going to look at various factors; some are based on age, gender, health, death benefits, and policy type. Therefore, each person’s monthly rates will be different from the next. Contact customer support if you’re concerned you haven’t already gotten the best deal, or if you’re new and looking for coverage. They’ll be able to offer you a personal breakdown, but for now we’ll take a look at some samples.

Let’s look at a few term life insurance rates to get an idea of how much you’ll pay for Cincinnati life insurance per month:

Cincinnati Life Average Monthly Insurance Rates by Age, Gender, Term, and $100K Death Benefits
Age of Non-Smoking PolicyholderCincinnati Life Monthly Rates Based on 10-Year/$100K Policy (Female)Cincinnati Life Monthly Rates Based on 10-Year/$100K Policy (Male)Cincinnati Life Monthly Rates Based on 20-Year/$100K Policy (Female)Cincinnati Life Monthly Rates Based on 20-Year/$100K Policy (Male)
25$9.50$10.30$9.68$10.47
30$9.94$10.30$10.12$10.56
35$10.38$10.65$10.65$11.44
40$11.62$12.32$12.67$14.17
45$13.29$14.61$16.10$19.10
50$15.49$18.04$20.86$24.82
55$19.71$22.79$28.60$35.38
60$24.90$32.38$43.91$56.67
65$36.96$53.68$70.31$101.38
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This is just a sample, but there are plenty of ways in which you can expect to pay lower rates. For example, you can secure affordable coverage rates if you’re a non-smoker. And your life insurance rates per month are even lower if you’re a female between 25 and 45 years old.

If you have a return of premium policy, you’ll receive a refund based on the number of monthly payments you’ve made throughout the policy.

Does the Cincinnati Insurance Company have good ratings?

There’s some great news if you’re looking into coverage from a reputable source. They have excellent, superior, and strong ratings from A.M. Best, Moody’s, S&P, and Fitch.

  • A.M. Best –A+ (Superior)
  • Fitch – A+ (Strong)
  • Moody’s – A1
  • S&P – A+ (Strong)

What do these ratings mean? The ratings suggest that Cincinnati Life Insurance Company and its subsidiaries have a stable financial outlook and low credit risk. Also, the grades indicate that they have a superior ability to meet financial obligations to customers.

Speaking of customers, Cincinnati Life Insurance Company has fewer than the average number of complaints in 2020. According to the National Association of Insurance Commissioners (NAIC), Cincinnati Life Insurance Company has a complaint index of 0.25.

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How do I file a claim?

Claims can only be made by phone. You’ll need to have the policyholder’s claim number ready. But with how little customer complaints there are on their support, you’ll no doubt get someone knowledgeable to help you.

  • Cincinnati Life Insurance Phone Number – 1-888-212-6970

However, you can file a Cincinnati auto, casualty, or property insurance claim online. All you have to do is create a Cincinnati insurance login and start your claim.

What’s the history of this company?

The Cincinnati Life Insurance Company was founded by four independent insurance agents in Cincinnati, Ohio, in 1950. Today, the company resides in Fairfield, Ohio.

Here’s a quick overview of the Cincinnati Life Insurance Company.

  • Address – 6200 South Gilmore Road, Fairfield, OH 45014
  • Phone Number – 1-888-212-6970
  • Website – cinfin.com
  • Market Share – 0.02 percent
  • Total Assets – $3.96 billion
  • Direct Premiums Written – $397 million
  • Best For – Annuities and Insurance

They are a subsidiary of Cincinnati Insurance Companies. Cincinnati Financial Corporation owns all Cincinnati Insurance Companies.

Roughly 3,200 employees work for Cincinnati Financial Corporation, and about 1,700 of them are claims associates.

Cincinnati Life Insurance: What’s the bottom line?

There are numerous components that come into play determining what you’re going to pay per month and per claim. For example, non-smoking policyholders can get the best premium payments and lowest prices, but adding other people or other coverage options may increase your monthly payments.

However, don’t rush to buy a quote until you’ve seen what other companies have to offer. Just like reviewing your policy choices, review multiple prospective companies as well.

Use our free online quote tool below to compare the top companies near you and secure the best rates.