Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Mar 4, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider. Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.

The Brief

  • Accordia Life offers standard insurance for higher ages
  • Cincinnati Life offers disability insurance as a standalone product
  • Both providers are highly rated by A.M. Best, Fitch, and S&P

Accordia Life and Cincinnati offer affordable life insurance for those living within the United States. When comparing Accordia Life vs. Cincinnati, there are several similarities in products but differences in how they are offered.

Both of these companies are highly rated, so the right choice for a customer will depend on preference. The decision might include the type of insurance needed and the age at which you’re obtaining the policy.

Enter your ZIP code to compare life insurance quotes from the best providers in your area.

Accordia Life vs. Cincinnati: How do their ratings compare?

The most respected life insurance rating agencies, like A.M. Best, Fitch, and S&P, have given Accordia Life and Cincinnati Life Insurance high ratings.

Accordia Life Insurance received an “A” by A.M. Best, which is considered “excellent” by the rating service. Additionally, they received an “A” from the Better Business Bureau, an “A-” from Standard and Poor’s, and an “A” by Fitch, all considered strong ratings by the agencies.

The ratings for the Cincinnati Insurance Company have been exceptional. They have received an “A+” rating by A.M. Best, Fitch, and S&P. That’s the highest rating that a provider can receive from the independent rating agencies. It places them among the top 20 percent of all carriers.

Cincinnati Life is listed by the Better Business Bureau (BBB) under its parent company, Cincinnati Financial. The Better Business Bureau has also rated the parent company an “A+” for superior service.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Accordia Life vs. Cincinnati: Are there a lot of complaints?

Both Accordia Life and Cincinnati have received complaints over the past year. However, Accordia Life has received significantly more complaints than Cincinnati.

At the time of this comparison, Accordia Life has received 48 complaints over the past three years. These complaints include 26 regarding products and services, 21 regarding billing and collection, and one regarding advertising and sales.

The Better Business Bureau has received 11 complaints about the Cincinnati Insurance Company in the last three years. These complaints include nine regarding products and services, one regarding billing and collection, and one regarding guarantees or warranty issues.

Accordia Life vs. Cincinnati: What insurance policies are offered?

Both Accordia Life and Cincinnati offer term life, whole life, and universal insurance.

The primary difference when comparing Accordia Life vs. Cincinnati policies is that Accordia Life offers indexed life insurance while Cincinnati doesn’t. However, Cincinnati offers disability income as a standalone offering.

Choosing between these two companies will largely come down to the type of insurance needed. If you prefer indexed life insurance, Accordia will be the right choice. For those looking solely for disability insurance, Cincinnati has the perfect offering.

Life Insurance Offerings

Both of these life insurance providers offer term life insurance between 10 and 30 years. This allows those obtaining the insurance to limit the amount of time their policy lasts. Term life insurance is commonly chosen to financially protect children until they graduate from school or get married.

Accordia Life and Cincinnati also offer whole life and universal life insurance. While both coverages cover a policyholder for the remainder of their life, whole life premiums are fixed while universal premiums are flexible.

In addition to whole life and universal coverage, Accordia Life also offers indexed life insurance. This type of coverage is similar to universal except that it comes with a cash value and can accumulate interest.

A unique offering by Cincinnati is standalone disability income insurance. Most life insurance providers offer disability income as a rider, combining it with another type of insurance. However, Cincinnati customers can obtain this type of insurance by itself.

Accordia Life vs. Cincinnati: What riders are offered?

Sometimes the primary type of life insurance purchased isn’t enough. There might be other aspects that need to be covered. Many life insurance providers offer riders that allow you to customize your policy. These can be added to your coverage for an additional premium.

Both Accordia Life and Cincinnati offer an accelerated benefit rider. This allows policyholders to access a portion of their policy if they have a terminal illness.

Accordia Life includes this rider with universal coverage, while Cincinnati offers it as an optional rider.

Accordia Life offers a variety of riders for their term life and permanent life insurance coverages. This allows customers to ensure they’re getting the right coverage for their families. The riders available from Accordia Life include:

  • Primary insured
  • Additional insured
  • Guaranteed purchase options
  • Children’s insurance
  • Accidental death benefit
  • Waiver of monthly deduction
  • Waiver of a specified premium

Cincinnati offers far fewer optional riders than Accordia Life. In addition to the accelerated benefits rider, the Ohio-based company only offers a children’s term rider. Children, stepchildren, and legally adopted children between the ages of 15 days and 18 years are eligible to be covered.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Accordia Life vs. Cincinnati: What should you expect when applying for life insurance?

When you apply for life insurance, you’ll need to provide important information about yourself. Some of the most common pieces of information needed include:

  • Name and age
  • Home address
  • Height and weight
  • Tobacco use status
  • Medical history

This information will usually include your contact information and medical history.

Accordia Life vs. Cincinnati: Can policy information be accessed on mobile devices?

It’s important to be able to access your policy information wherever you are. Both Accordia Life and Cincinnati allow customers mobile access to their policy information.

Accordia Life doesn’t have a mobile app but does have a mobile-friendly website. After purchasing a policy, customers of Accordia Life can sign into the website, allowing them to view their policy information, make changes, and make payments.

Cincinnati Insurance offers a mobile app for easier access on mobile devices. The MyCincinnati mobile app will allow you to complete any tasks that you can on the website, including making policy changes and payments.

Accordia Life vs. Cincinnati: History

The Accordia Life and Annuity Company was founded in 2013 when Global Atlantic purchased Aviva USA. A subsidiary of Global Atlantic, Accordia Life is the life insurance provider of the company. Other types of insurance can be purchased from other subsidiaries of Global Atlantic.

The Cincinnati Insurance Company was founded in 1950 by four independent insurance agents. Today, it is one of many subsidiaries of the Cincinnati Financial Corporation. The Cincinnati Insurance Company itself has subsidiaries, such as Cincinnati Life Insurance Company.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Accordia Life vs. Cincinnati: The Bottom Line

Accordia Life and Cincinnati are two well-respected life insurance providers. When comparing Accordia Life vs. Cincinnati to find the right provider, consider the products and customization options offered. This will allow you to determine the right choice for you and your family.

Enter your ZIP code to find the best life insurance rates in your area.

Frequently Asked Questions

While the information provided in this article will help you discover the differences between these two companies, you might still have some questions. Here are some additional frequently asked questions.

#1 – Can I buy life insurance online?

Accordia Life allows potential customers to apply, receive approval, and make payments online through their website. Those looking to buy Cincinnati Life Insurance must contact one of their independent agents in your area.

#2 – How can I make payments?

Accordia Life allows customers to make payments by credit card, debit card, automatic bank draft, and by check through their website. Cincinnati allows the additional option of paying through their mobile app.

#3 – How do I determine the right type of life insurance?

To determine the right amount of life insurance, gather your personal financial information and estimate your burial costs, as well as what your family or business will need after you’re gone.