800-538-3767
Available Life Products
Term Life Insurance
Cincinnati Life offers guaranteed term insurance policies for 10 - 15 - 20 -25 and 30 years. Premiums are guaranteed for the life of the term product
Whole Life Insurance
Cincinnati Life offers Guaranteed cash value, a guaranteed death benefit and dividiends to help you meet your financial goals.
Universal Life Insurance
Cincinnati Life offers tradtional flexibile Universal Life Insurance products. Cincinnati Life offers the Lifestter Flex UL product providing you with a permanent death benefit with lower guaranteed premiums than traditonal Whole Life Insurance. They offer single premium, limited premium or lifetime premium options.
No-Exam Options
Is available between the ages of 18 and 50 up to $1 million in coverage
- Instead of completing a medical exam you must complete a telephone interview
- The carrier will cover your prescription history, military history, and health history.
Available Riders
ACCIDENTAL DEATH BENEFIT
When available, this rider pays an additional benefit when an accident causes your death within 180 days of the accident, up to $500,000
Accelerated Benefit Rider
When available, it provides advanced payment of your death benefit if a physicians diagnosis you with a terminal illness. The limit for acceleration is $250,000
Children's Term Life Rider
Available up to the age of 18 up to $20,000 in coverage and the coverage is convertible up to their age of 25.
WAIVER OF PREMIUM
When available, this rider credits the cost of your policy in the event of our Total Disability
Conversion Options
Cincinnati Life allows you to convert your term policy into any of their available permanent life products up until your age of 70, regardless of your health.
Have Questions?
Live Agent Support
Have questions on which carrier to choose or riders that you might need? InsuranceMD agents are available to help answer your questions. Give us a call or text us at 800-538-3767 or you can chat with us by access our live chat option below. Our licensed agents aren’t commissioned so rest assured that our priority is to help you choose the best life insurance option for you. We’re here to help!
Life Insurance Calculator
Purchasing life insurance can be a daunting decision. Our EZ Calculator tool can help you quickly estimate how much life insurance you might need. Want a more custom and comprehensive life insurance evaluation? Our Personalized Life Insurance Calculator gives you the option to get a detailed life insurance assessment based on your current and future needs.