Haus»companies»Cincinnati Insurance Company Life Insurance Review and Rating (2022)
Chris Tepedino is a writer who has written extensively on auto, life and home insurance for various websites. She has a BA in Communications from the University of Tennessee and a background in news reporting, researching investigative articles and creating detailed, data-driven features. His work is featured in CB Blog Nation, Flow Words, Healing Law, WIBW Kansas and C... Full biography → | Written bycris tepedino |
Laura Walker graduated from college with a BA in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C deals, focusing on personal insurance for 10 years. Laura oversaw existing companies and wrote new companies. Now he's using his insurance expertise to help clear up... Full biography → | reviewed byLaura Walker |
UPDATED: June 28, 2022
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company details
Address:6200 Sur Gilmore Road
City:Fairfield
Federal State:OH
Postal code:45014
Telephone number:(513) 870-2000
Fax:(513) 870-2066
Website-Web: cinfin.com
Best AM Rating:A+
S&P Global Ratings:A+
Moody's-Rating:A1
3.91 (145 comments)
Cincinnati life insurers offer coverage in many areas including life, auto, home and more. Next we will discuss the Cincinnati Insurance Company and their life insurance policies.
Before you begin reading this Cincinnati Insurance Company life insurance review, please enter your zip code above into our free quote comparison toolCompare life insurance offersfrom companies in your area.
Table of Contents
What life insurance products does Cincinnati Life Insurance Company offer?
Cincinnati Insurance Company offers term, universal, and total life insurance. However, the company's website is missing some details about the products. We'll cover what we know.
life insurance
Cincinnatilife insuranceIt is a non-permanent life insurance policy that provides death benefits for a period of time. Cincinnati Insurance offers two different life plans: Termsetter and Termsetter ROP.
The termsetter plan is available with terms of 10, 15, 20, 25 and 30 years. The ROP Thesetter is available with terms of 20, 25 and 30 years. If the Termetter ROP policy is in effect and you are alive, the base reward will be refunded to you at the end of the term.
Life insurance can be the right choice for those who only need life insurance temporarily, for example if they have a more dangerous job than usual, or for those who want cheaper life insurance.This Business Insider articleThis will give you an idea of what some dangerous jobs in America are.
Universal life insurance
Universal Life Insurance is a permanent life insurance policy (up to 121 years) that offers tax-advantaged capital appreciation. Cincinnati offers Heritage UL for ages 18+ and Pivot UL for ages 18 and under.
You have the ability to customize your universal life insurance policy by changing death benefit amounts, adding passengers, and borrowing your policy's cash value.
Cincinnati also offers a policy that functions as a combination of universal life insurance and term life insurance. You can choose from terms of up to 121 years, pay a tier premium and still have access to a limited amount of cash value accumulation.
whole life insurance
whole life insuranceis a permanent life insurance policy with tiered premiums and benefits in the event of death. You have access to the cash value accumulation and Cincinnati will not cancel your policy as long as you are paying your premiums.
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How much does life insurance cost in Cincinnati?
Unfortunately, Cincinnati life insurance rates are not available on their website. To give you an idea of what you might pay for life insurance, let's take a look at the rates of some of the major life insurers:
Examples of annual rates for the top 7 life insurers by age, gender and marital status
| age, gender and marital status | New York Life Average Annual Fees | Lincoln National Average Annual Fees | Prudential Financial Average Annual Rates | Average Annual Fees from MassMutual | Aegon/Transamerica Average Annual Fees | John Hancock average annual rates | Average annual fees of the treasury | Average annual average rates |
|---|---|---|---|---|---|---|---|---|
| 25 year old single woman | $ 158,00 | $ 187,00 | $ 195,00 | $ 132,00 | $ 164,00 | $ 172,50 | $ 143,00 | $ 144,07 |
| 25 year old single male | $ 152,00 | $ 231,00 | $ 237,00 | $ 147,00 | $ 176,00 | $ 178,30 | $ 164,00 | $ 160,19 |
| 45 year old married woman | $ 262,00 | $ 239,00 | $ 314,00 | $ 209,00 | $ 229,00 | $ 241,50 | $ 238,00 | $ 213,50 |
| 45 year old married man | $ 245,00 | $ 283,00 | $ 378,00 | $ 230,00 | $ 255,00 | $ 292,10 | $ 239,00 | $ 240,44 |
| 65 year old single woman | $ 924,00 | $ 903,00 | $ 941,00 | $ 763,00 | $ 1.139,00 | $ 937,30 | $ 684,00 | $ 801,04 |
| 65 year old single | $ 1.416,00 | $ 1.577,00 | $ 1.412,00 | $ 1.049,00 | $ 1.367,00 | $ 1.380,00 | $ 955,00 | 1.171,57 $ |
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Remember that life insurance rates can vary based on many different factors such as age, gender, health, location and more.
What is Cincinnati Insurance?
The Cincinnati Insurance Company was formed in 1950 by four independent insurance agents. The company is now headquartered in Fairfield, Ohio and sells its products through independent agents.
The Company has several subsidiaries, one of which is the Cincinnati Life Insurance Company, the subsidiary responsible for selling life insurance policies.
Because of Cincinnati Insurance Company's partnership with independent insurance agents, the company prides itself on building relationships with its customers and providing excellent customer service.
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Are Cincinnati Insurance Company Reviews Positive?
Cincinnati Financial Corporation, the parent company of Cincinnati Life Insurance Company and other Cincinnati insurers, is rated A+ by the BBB. Only four complaints were resolved in the last year and the company has a rating of 1.57/5 stars.
Cincinnati Financial Corporation has an A long-term issuer rating from A.M. Better, which means they have an excellent ability to meet long-term financial commitments.
The Cincinnati Life Insurance Company, from A.M. Better, meaning they are better able to meet financial commitments such as B. the payment of claims.
The Cincinnati Life Insurance Company has an NAIC claim rate of just 0.16, well below the national average of 1.00. This means they receive far fewer complaints than similarly sized companies.
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How can I get a quote or make a claim?
Cincinnati life insurance quotes are not available online. To receive a quote, you must contact a representative who sells Cincinnati Life Insurance Company products.
To file a life insurance claim, you can contact your insurance agent, who can assist you with the process, or call Cincinnati Insurance at (888) 212-6970.
How do I contact the Cincinnati Insurance Company?
The Cincinnati Insurance Company customer service phone number for life insurance policyholders is (800) 783-4479. Prospective customers may direct general inquiries to (513) 870-2000 or (888) 242-8811.
Cincinnati Insurance Companies is headquartered at 6200 S. Gilmore Road, Fairfield, OH 45014. Its mailing address is PO Box 145496, Cincinnati, OH 45250.
Should I get Cincinnati Life Insurance?
Overall, it seems that Cincinnati life insurance could be a good option for some. They offer basic types of coverage and their universal life insurance makes it easy to customize your policy.
By working with agents, the company has made it possible for you to create a personal relationship with your chosen contact. However, this also makes it a little harder to get quotes or ask questions about policies.
Also, some people may find that Cincinnati life insurance is not available in their state.
It's always good to compare quotes and policy details from multiple companies before deciding which company to buy from. After you complete this Cincinnati Insurance Company review,Enter your zip codeon our free quote comparison tool below.
assessments
for the insurance company Cincinnati
3.91(145 comments)
1
July 31, 2021
Hugo1
Cincinnati doesn't care about loyal customers
Personal Lines customer for 15 years on his Executive Plan. Very few claims. Until recently. My 20 year old son was in an accident. Thank goodness no one was hurt but it cost Cincy some money. Son also had a speeding ticket and literally collided with someone at a traffic light one day. He has therefore not filed a lawsuit. Anyway, yeah, insurance companies don't like male drivers under 25. They got my car, umbrella,...
Personal Lines customer for 15 years on his Executive Plan. Very few claims. Until recently. My 20 year old son was in an accident. Thank goodness no one was hurt but it cost Cincy some money. Son also had a speeding ticket and literally collided with someone at a traffic light one day. He has therefore not filed a lawsuit. Anyway, yes, insurance companies don't like male drivers under 25. They didn't renew my car, my umbrella, my boat. But they said they wanted to keep my owners, my 3 lines of business making $50k-$60k in premium dollars. Well, they miss everything. Hope they are happy. I am also losing my father's and daughter's personal lines. I used to rave about this company and thought they were the best. They're only the best when you don't need them and they're taking your premium dollars. There is no more relationship. They apparently do what the computer model tells them to do. Beware!
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1
December 3, 2020
Scrubalupagus
AVOID AT ALL COSTS - BUYERS BEWARE!
Please don't believe the "bot reviews" of this company, no one bothers to write about "acceptable" experiences this company seems to have under the actual reviews. I've been a customer for about 5 years. I'm filing a report for my stolen vehicle. As soon as I do that, they retaliate by canceling my policy on my current used vehicle. It takes three months, YOU LIE, you say my vehicle was recovered. I contacted the police to try to remove my vehicle...
Please don't believe the "bot reviews" of this company, no one bothers to write about "acceptable" experiences this company seems to have under the actual reviews. I've been a customer for about 5 years. I'm filing a report for my stolen vehicle. As soon as I do that, they retaliate by canceling my policy on my current used vehicle. It takes three months, YOU LIE, you say my vehicle was recovered. I contact the police to try to locate my vehicle, the police tell me it has not been found. I am contacting this HORRIBLE company apology, they tell me I have not replied to a letter the police sent to confirm my vehicle was not found. The police didn't send me this letter, the detective on the case said he didn't know why my vehicle was marked salvaged. Cincinnati treated me AS IF I WAS THE CRIMINAL and delayed my lawsuit as long as they could. (State law gives auto insurers 30 days to file a claim.) It took 97 days. By law they still owe me INTEREST, they still have to pay. They also cost me federal labor such as a lack of any form of human emotion or duty to the customer or even following the law by not completing my claim within a reasonable time. I needed the money to move, YOU KNOW. No compassion, no human empathy, an investigator's mental capacity smaller than a potato. Don't give them your business, they will give you a hard time when it comes time for you to use their service. Get a company that really cares about their customers and when you get discounts and cheap rates from them remember you get what you pay for and you pay for ignorant greedy merchants who spend more time figuring out how to get them off providing paid services they will try to make sure you are okay. They have already convinced family and friends to leave them. I won't beg you but if you want to waste time and hassle when you NEED support and recovery this is not the company for you. Find a company that's there for you when you need it most. This company is just a big waste of oxygen. But well, the truth will come out, and your greed, pride, and selfishness will surely result in this company being given a proper burial.
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5
21. November 2019
jade spirit
great customer service
Excellent customer service! Very professional and responsible! They were able to get my car fixed very quickly.
2
12. October 2019
bravfreak1995
silent companion
They are ok but communication with them is not great. When they make policy changes, they're slow to respond to requests, and it's also difficult to get someone on the phone to help them.
5
July 30, 2019
mberao23
great customer service
They are very good company and always there when I need them. They are quick with complaints and very nice.
4
March 26, 2019
Adam
Quality coverage at a good price
My independent insurance agent recommended Cincinnati Insurance because it is inexpensive and offers quality coverage. I did not have to make a claim but my agent was so helpful and informative that I am very confident that if I ever need to make a claim the company will provide coverage without any problems. They provided good customer service when I called about accessing my account online and billing issues.
5
9 January 2019
622L
great company
It was very easy to work with this company. Complaints are easy to make and I've never had a problem with them. ..AT ANY TIME! Their plans are also cheaper than others for amazing coverage.
5
5 January 2019
erina511
Recommend a Cincinnati Insurance Company!
It was very easy to work with this company. I was in an accident and they were easy to find, quick to respond and very helpful. I received the insurance money in a timely manner and had absolutely no problems. I intend to stay with this company!
5
December 31, 2018
Janelle
Cincinnati insurance is good.
I didn't have many complaints but when I did it was all dealt with quickly. I was able to rent a car and have my car repaired.
1
December 19, 2018
TRIUMPH
terrible company
This is a terrible company if something really bad happens to you. They only care about themselves. They don't care about you.
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