Guaranteed Universal Life Insurance with Cincinnati Life

See our unbiased rankings breakdown of all the top guaranteed universal life insurance companies for 2020.

Quick Summary: Cincinnati Life's GUL product has very competitive pricing, especially for women. Qualifying can be difficult and their underwriting process is lengthy and exhaustive. A stripped down policy that does not contain good riders.

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About the Company - Cincinnati Life 

review of the Cincinnati Life Insurance company's guaranteed universal policy

The Cincinnati Life Insurance Company hasn't been around as long some of the big players but don't let that fool you into thinking they don't have a solid history. Founded in 1950 by a group of life insurance agents, the mission was to put customer service first.

Cincinnati Life has kept this promise by having a network of local agents as well as a 24/7 national customer service line. They have consistently earned praise from Forbes as one of "America's 50 Most Trustworthy Financial companies".

When judging their financial strength, Cincinnati Life does very well with the major rating agencies. These grades include an "A" from A.M. Best, "A+" from Fitch, and "A+" from Standard and Poor's. 

What is Guaranteed Universal Life Insurance? (expand to learn more)

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About the Cincinnati Guaranteed Universal Life Insurance Policy

Product Name

LifeHorizons LifeSetter GUL

Death Benefit

$50,000 to No Maximum


18 to 75

Coverage Length

To age 121

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Cincinnati Life Insurance Company Underwriting Secrets

The Cincinnati life insurance company is known to offer low premiums, but you must qualify, and that isn't always easy here. Their underwriting process is very in-depth and takes longer than the industry average as they thoroughly investigate everything.


The secret to finding the cheapest life insurance rates is applying at the company that will view you most favorably.  Just going with the one that shows the lowest rates can be a BAD idea and end up costing you more money.

Cincinnati underwriting can be lenient in the following scenarios:

  • Cigar smokers - up to 6 per year
  • High blood pressure controlled by certain medications

Cincinnati life may NOT be a good choice for:

  • High-risk avocations
  • High cholesterol levels

Cost - Sample Rates

Sample Cincinnati guaranteed universal life insurance quotes:

50-year-old male at Preferred (Select) health class - pricing listed is per month

Death Benefit

to Age 121









48-year-old female at Preferred (Select) health class - pricing listed is per month

Death Benefit

to Age 121









Our custom quote tool on this page displays only guaranteed universal quotes so you can cut through the clutter. Please note that some carriers do not allow us to display their rates online. We will discuss if there are other options that might be a better fit.

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Premiums are competitive for females

Exceptional customer service


Limited riders and options to the customize policy

Only available for issue up to age 75, most companies go to 80 and some as high as 85

Extras, Options, and Flexibility

Cincinnati's LifeHorizons LifeSetter GUL product is lacking in bells and whistles. They try to keep the premium costs low but make sure you fully understand what you are getting. 

Other guaranteed universal offerings such as American General or Prudential, include more and have more flexibility to add riders.

Automatically Included at No Extra Cost

Accelerated Death Benefit - If the insured becomes terminally ill and given 12-24 months to live (varies by your state), you can advance a portion of the death benefit early.

Use these funds for medical care or just to make the last days more enjoyable. Just like the Mass Mutual GUL policy, this is restricted only to terminal illness. It does not cover critical or chronic illness.

Additional Options - At a Cost

Children's Insurance Rider - Purchase a small term life insurance policy on your dependent children (age 0 - 25). One rider covers all household children. The maximum amount of coverage that can be purchased is $20,000 per child.

How To Make Sure You Choose the Right Universal Life Insurance Policy

The best advice I can give is to always work with an independent agent. If you call a company direct, they'll only push their products on you, and you save nothing. Rates are fixed by your state laws.

Life insurance is the ONLY thing we do. We know the ins and out of 60+ companies and can find you the lowest rates. Every. Single. Time.

To get started, fill out a quote request and we'll be in touch soon to help.

independent life insurance agents helping to secure affordable life insurance coverage

No pressure or cost to use our help.

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  • Ty Stewart

    Ty Stewart is a founder and contributor of He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent he has helped clients nationwide to secure affordable coverage while making the process simple.

  • Bennett Bier

    I’m Bennett Bier, owner, author and fact checker of Simple Life Insure. I believe working with a small independent broker offers consumers more personal attention and superior customer service. As an independent agent licensed in all 50 states and the District of Columbia I have access to many of the top A+ rated life insurance carriers. This lets me locate a plan that you will qualify for while saving you money at the same time. Over the years I have mastered the art of underwriting, getting approvals even for my highest risk clients. I’m also likely the person that will answer the phone when you call.