Carrier Ratings

A+ (Superior)

AM Best Rating

Analysis Report AM Best

A+ (Strong)

Standard & Poor Rating

Analysis Report Standard & Poor

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.

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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


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.


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.

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Have Questions?

Ask Wandy!

Sometimes we want answers right away and we don’t want to speak to a live person. That’s why Wandy is here. Wandy is your virtual insurance agent and he’s here to help. Click here to visit with Wandy now.

Live Agent Support

You might not always want to do everything on your own. So if you’ve got questions, PolicyWand agents are here to help. Feel free to call or text at 321-521-4340 or you can chat with us by clicking here. Don’t worry, our agents aren’t commissioned so this won’t feel like a sales interaction. We’re simply here to help!

Life Insurance Calculator

Not sure how much life insurance you need? Try our EZ Calculator tool by clicking here. If you want a more custom life insurance evaluation you can click here for our more comprehensive calculator tool.