Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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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...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 26, 2021

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It’s all about you. We want to help you make the right life insurance 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 insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance 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.

Facts You Should Know

  • Cincinnati offers more affordable rates to men of various ages
  • Cincinnati offers more affordable rates to women of various ages
  • AIG is more well-reviewed by the Better Business Bureau
  • Cincinnati is more well-reviewed by A.M. Best

There are so many life insurance companies to choose from. We’re going to help you narrow down your options by comparing two of these companies: AIG vs. Cincinnati.

Our AIG and Cincinnati Life comparison will cover both company pricing and the ratings given by the Better Business Bureau and A.M. Best.

Before diving into our AIG vs. Cincinnati Life insurance company comparison, type your ZIP code into our free and helpful tool above to find the most affordable life insurance rates in your area.

AIG vs. Cincinnati: Which company offers more affordable rates to men?

Where is the best place to start when comparing life insurance companies? Many choose to begin with company pricing.

Let’s look at a table comparing AIG vs. Cincinnati life insurance rates for men.

Average Male Monthly Life Insurance Rates by Age and Company (20-year Term $250,000 Policy)
CompanyAge 30 Average Monthly RatesAge 40 Average Monthly RatesAge 50 Average Monthly RatesAge 60 Average Monthly Rates
Protective$20.21$28.38$75.68$205.97
Banner$20.12$32.68$74.39$205.97
AIG$20.24$30.62$77.76$213.57
Foresters$21.00$31.50$79.19$223.56
Accordia Life$27.15$40.05$105.47$300.38
American Amicable$20.48$27.68$51.08$128.93
Liberty Mutual$33.75$55.13$144.68$399.83
Lincoln$12.34$15.22$30.96$71.95
Nationwide $16.02$21.36$53.85$180.23
MassMutual$13.28$16.98$35.03$82.65
Mutual of Omaha$13.33$19.35$33.33$80.84
Cincinnati$13.42$18.70$32.56$78.98
Fidelity Life$19.14$25.01$54.59$73.92
John Hancock$14.09$16.96$28.41$88.14
Haven Life$23.45$31.20$85.47$245.67
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Is it easy to find affordable AIG vs. Cincinnati life insurance quotes? Men in their 30s will pay $7 more per month with AIG.

Men in their 40s will pay $12 more per month and men in their 50s will pay $45 more per month with AIG.

What about men in their 60s who are considering AIG vs. Cincinnati life insurance? These men will pay $135 less per month with Cincinnati.

Let’s see if Cincinnati offers cheaper rates to women as well.

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Which company offers more affordable rates to women?

Now, let’s analyze the rates offered to women of various ages by life insurance companies, including AIG (American General) and Cincinnati.

Average Monthly Life Insurance Rates for Females by Age and Company (20-year Term $500,000 Policy)
CompanyAge 30 Sample Monthly RatesAge 40 Sample Monthly RatesAge 50 Sample Monthly RatesAge 60 Sample Monthly Rates
Protective$17.63$24.94$55.47$139.32
Banner$17.11$25.49$55.47$145.00
AIG$17.21$27.16$63.06X
Foresters$18.81$27.13$57.75X
AccordiaLife$24.48$34.71$76.99$195.80
AmericanAmicable$16.88$22.50$37.80$88.88
Liberty Mutual$25.20$42.53$107.78$250.65
Lincoln$16.10$21.22$37.41$74.81
Nationwide$16.02$21.36$53.85$180.23
MassMutual$11.98$15.23$29.15$58.73
Mutual of Omaha$11.61$16.56$27.31$57.19
Cincinnati$12.98$16.72$27.28$56.76
Fidelity Life$16.10$22.62$45.68$58.32
John Hancock$12.39$14.86$23.86$50.94
Haven Life$20.01$27.76$68.24$160.40
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Women are paying more with AIG no matter their age. Just look at women in their 50s, who pay nearly $26 more per month when they choose AIG over Cincinnati.

Let’s wrap up with company ratings and see if Cincinnati can sweep our comparison.

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AIG vs. Cincinnati: Which company is more well-reviewed?

We’ll end the comparison by analyzing AIG and Cincinnati life insurance reviews from the Better Business Bureau (BBB) and A.M. Best.

A positive rating from one or both of these organizations can give potential insured confidence in a life insurance provider’s financial stability and commitment to customer service.

The BBB scale ranges from “A+” down to “F.” AIG received the lowest rating of “F” and also lacks accreditation.

Did Cincinnati do any better with the BBB? Unfortunately, Cincinnati has not been rated by the BBB.

A.M. Best’s Financial Strength Rating (FSR) scale is slightly different in that it ranges from “A++” down to “D.”

AIG received a rating of “A” from A.M. Best. How did Cincinnati do? It received a higher rating of “A+.”

In review, Cincinnati won this comparison with a higher A.M. Best rating and more affordable rates.

Don’t let your life insurance comparison stop with AIG vs. Cincinnati. Type your ZIP code into our free and helpful tool below to find affordable life insurance quotes in your area.

Frequently Asked Questions: AIG vs. Cincinnati

Still not sure if you should buy AIG vs. Cincinnati life insurance? What follows are a few commonly asked questions about AIG and Cincinnati.

#1 – Where can I use my AIG login?

You can use your login information on the AIG website.

#2 – Is there AIG retirement?

AIG offers AIG Retirement Services, which provides financial planning as well as retirement services.

#3 – Can I buy AIG stock or AIG auto insurance?

Yes, and its stock symbol is simply AIG. In addition to life insurance, you can buy both home and auto insurance from AIG.

#4 – What is the Cincinnati Life Insurance phone number?

The Cincinnati Life Insurance phone number is (888) 242-8811. Keep in mind that members can also get information by using their Cincinnati Life Insurance login on the app.