Affordable Life Insurance with Cincinnati Life Insurance CompanyCincinnati Life Insurance Company Top Quote Life Insurance

Cincinnati Life Insurance Company may not be one of the bigger names in the life insurance market, but they sure standout in front when it comes to low cost life insurance coverage.

Cincinnati Life Insurance Company was formed in 1950 and offers your traditional line of life insurance coverage options to include term life insurance, guaranteed universal life insurance, whole life insurance as well as an excellent voluntary worksite life insurance program.

When requesting a life insurance quote from Cincinnati Life Insurance Company you will often notice that they will be among the top 3 for the best rates for coverage. With affordable coverage options, backed with an excellent rating for financial strength and stability, Cincinnati Life Insurance Company makes for a great choice when considering life insurance coverage.

Mailing Address:
Cincinnati Life Insurance Company
P.O. Box 145496
Cincinnati, OH 45250-5496

Customer Service: (888) 242-8811

Web: www.cinfin.com

Financial Strength: A.M. Best A Excellent Rating 

 

CINCINNATI LIFE INSURANCE OPTIONS

Instantly compare Cincinnati Life Insurance rates with our online quote form!

 

LifeHorizons TermSetter (Term Life Insurance)

LifeHorizons Termsetter is Cincinnati Life Insurance Company term life insurance coverage. LifeHorizons Termsetter offers low cost term life insurance coverage that is perfect for providing financial security. Cincinnati Life Insurance Company term life insurance coverage made our Top 8 Best Term Life Insurance Companies term life insurance coverage.

POLICY FEATURES:

  • Guaranteed Level Death BenefitTerm Life Insurance
  • Guaranteed Level Premium Term Lengths of 10, 15, 20, 25 & 30 Years
  • No Medical Exam Coverage $25,000 – $99,999 (Ages 18-60)
  • Term coverage with exam, issue ages up to age 75
  • Minimum Face Amount $25,000
  • Maximum Face Amount $10,000,000+

GUARANTEED CONVERSION FEATURE – Allows you to convert your term coverage to either universal or whole life insurance without the proof of insurability.  In order to be eligible to convert, you must do so prior to age 70.

LIFEHORIZONS TERMSETTER AVAILABLE POLICY RIDERS:

ACCELERATED DEATH BENEFIT RIDER – This rider provides funds from the policy’s death benefit if the insured is diagnosed with a terminal illness that will result in death in less than 24 months (12 in some states).  This rider is available at no charge.

CHILDREN’S INSURANCE RIDER – This rider provides term life insurance coverage for the children or future children of the insured up to age 25.  The maximum amount of coverage is $20,000.

ACCIDENTAL DEATH BENEFIT RIDER – This rider pays an additional death benefit that results from an accident.  The maximum amount of accidental insurance is $500,000.

WAIVER OF PREMIUM RIDER – This rider waives premium payments if the insured becomes totally disabled for at least 4 consecutive months.

  

LifeHorizons TermSetter ROP (Return of Premium Term)

LifeHorizons Termsetter ROP is Cincinnati Life Insurance Company return of premium term life insurance coverage.  This is a great option for someone who needs longer temporary life insurance coverage, but would like a check at the end of the coverage for all the money they invested into their life insurance coverage tax free.  Just like their traditional term life insurance coverage, LifeHorizons Termsetter ROP offers very affordable rates.

POLICY FEATURES:

  • Guaranteed Level Death BenefitTerm Life Insurance
  • Guaranteed Level Premium Term Lengths of 20, 25 & 30 Years
  • No Medical Exam Coverage $25,000 – $99,999 (Ages 18-60)
  • Issue ages up to 60 “depending on term length selected”
  • Minimum Face Amount $25,000
  • Maximum Face Amount $10,000,000+

GUARANTEED CONVERSION FEATURE – Allows you to convert your term coverage to either universal or whole life insurance without the proof of insurability.  In order to be eligible to convert, you must do so prior to age 70.

RETURN OF PREMIUM FEATURE – Returns all premiums paid into the policy at the end of the guaranteed term period.

LIFEHORIZONS TERMSETTER ROP AVAILABLE POLICY RIDERS:

ACCELERATED DEATH BENEFIT RIDER – This rider provides funds from the policy’s death benefit if the insured is diagnosed with a terminal illness that will result in death in less than 24 months (12 in some states).  This rider is available at no charge.

CHILDREN’S INSURANCE RIDER – This rider provides term life insurance coverage for the children or future children of the insured up to age 25.  The maximum amount of coverage is $20,000.

ACCIDENTAL DEATH BENEFIT RIDER – This rider pays an additional death benefit that results from an accident.  The maximum amount of accidental insurance is $500,000.

WAIVER OF PREMIUM RIDER – This rider waives premium payments if the insured becomes totally disabled for at least 4 consecutive months.

 

LifeHorizons LifeSetter Guaranteed Universal Life (Permanent)

LifeHorizons LifeSetter is Cincinnati Life Insurance Company guaranteed fixed premium universal life insurance coverage.  LifeSetter UL provides a lifetime of coverage at very affordable rates.  One premium for the rest of your life guaranteed never to change.

POLICY FEATURES:

  • Guaranteed Level Death Benefit to age 121
  • Guaranteed Level Premium to age 121 
  • Issue ages up to 75
  • Minimum Guaranteed Interest Rate of 3 Percent
  • Minimum Face Amount $50,000
  • Maximum Face Amount $10,000,000+

LIFEHORIZONS LIFESETTER AVAILABLE POLICY RIDERS:

ACCELERATED DEATH BENEFIT RIDER – This rider provides funds from the policy’s death benefit if the insured is diagnosed with a terminal illness that will result in death in less than 24 months (12 in some states).  This rider is available at no charge.

CHILDREN’S INSURANCE RIDER – This rider provides term life insurance coverage for the children or future children of the insured up to age 25.  The maximum amount of coverage is $20,000.

 

LifeHorizons Guaranteed Whole Life (Permanent)

LifeHorizons Guaranteed Whole Life Insurance provides permanent life insurance coverage with the opportunity to earn tax free cash values.

POLICY FEATURES:

  • Guaranteed Level Death Benefit Whole Life Insurance
  • Guaranteed Level Premium to age 121
  • 3 Payment Options (Level, 10-Pay and Single Pay)
  • High Issue ages, up to 85
  • Minimum Face Amount $10,000
  • Maximum Face Amount $10,000,000+
  • Guaranteed Tax Deferred Cash Values
  • Guaranteed Paid Up Insurance Values Stated After Each Policy Year

LIFEHORIZONS GWL AVAILABLE POLICY RIDERS:

ACCELERATED DEATH BENEFIT RIDER – This rider provides funds from the policy’s death benefit if the insured is diagnosed with a terminal illness that will result in death in less than 24 months (12 in some states).  This rider is available at no charge.

CHILDREN’S INSURANCE RIDER – This rider provides term life insurance coverage for the children or future children of the insured up to age 25.  The maximum amount of coverage is $20,000.

ACCIDENTAL DEATH BENEFIT RIDER – This rider pays an additional death benefit that results from an accident.  The maximum amount of accidental insurance is $500,000.

WAIVER OF PREMIUM RIDER – This rider waives premium payments if the insured becomes totally disabled for at least 4 consecutive months.

INSURED INSURABILITY RIDER – This rider guarantees the option to purchase additional insurance coverage at specific ages.  Evidence of insurability is not required.

 

Worksite Life Insurance (Voluntary Employee Life Insurance)

Cincinnati Life Insurance Company offers businesses with the opportunity to offer their employees with some great voluntary life insurance coverage through their Voluntary Worksite Life Insurance program.

  • Employees of 15-24 $25,000 Guaranteed Issue!
  • Employees of 25-49 $50,000 Guaranteed Issue!
  • Employees of 50-99 $75,000 Guaranteed Issue!
  • Employees of 100+ $100,000 Guaranteed Issue!
  • No Medical Exam Required
  • Option to Choose From 20 Year Term, ROP, Universal Life or Whole Life Policy
  • Very Low Fixed Rates
  • Simplified underwriting for individuals who need more than the guaranteed issue amounts

Employees have the option to purchase additional coverage for spouses, children or grandchildren with simplified underwriting.

Interested in receiving a Cincinnati Life Insurance quote? Call us today at (888) 777-7574 or simply use the “Get Instant Life Insurance” quote form located to the right of your screen. For Whole Life Insurance quotes or Voluntary Worksite life insurance requests, please contact us below with your request.

 

Independent Life Insurance Agents

For independent life insurance agents interested in getting licensed with Cincinnati Life Insurance or for additional information about coverage options, please contact us toll free at 888-777-7574 or send us a message with your request below.

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Cincinnati Life Insurance Company Review by Jeffrey Manola Top Quote Life Insurance