Term Life Insurance
Term life insurance is a cost-effective choice if you face growing responsibilities on a limited budget or expect your financial responsibilities to decrease after a limited period.
Term life insurance provides economical coverage for a specified period of time, such as 10, 15, 20, 25 or 30 years. You choose the coverage period that suits your family’s needs and financial budget.
Our term and term return of premium products offer a variety of options, providing you the flexibility to build an insurance program that's best for you.
Term life insurance proceeds can help pay off a mortgage, cars, businesses and personal or educational loans or provide a source of income for your family when they need it most.
Universal Life Insurance
A universal life insurance policy gives you the flexibility to choose the amount of protection that best fits your needs. Flexible death benefit amounts and premiums allow you to keep pace with today's changing life circumstances while building tax-deferred cash value.
Whole Life Insurance
Whole life insurance is designed to protect you and your family for your entire life. You will gain a sense of security knowing this permanent life insurance can never be cancelled as long as you pay the premiums.
Our whole life insurance products offer a wide range of additional guarantees, including premiums that remain level while the policy is in force and cash values that accumulate on a tax-deferred basis.
Guaranteed insurability means that once the policy is in force, your classification will never change, unless it is to your advantage. Paid-up values are stated up-front for each policy year so you know where you stand if you should decide to stop paying premiums.
Consider whole life insurance for estate conservation, business continuation, charitable giving, term life conversion or impaired risk.
Annuities
Cincinnati Life's deferred annuity contracts offer you safe, proven ways to save for retirement. There are no sales charges, loads, fees or administration costs, so 100% of your premium goes into your account and begins earning interest immediately.
Deferred annuities offer a guaranteed minimum interest rate for the life of the contract as well as a current interest rate for the first full contract year. The return of premium feature protects the principal in your contract.
The guarantees of these deferred annuities lessen the concerns about outliving your savings. Tailor the income from your deferred annuity to fit your needs through one of four available payment options.