Estate planning at Cincinnati Life
How to protect 5 Cincinnati Life accounts — manage beneficiaries by phone, fund a trust by mail, and file death claims
Life Policy Services
Phone1-800-783-4479
Toll-Free1-800-783-4479
Fax(513) 870-2099
Mailing Address
The Cincinnati Life Insurance Company, Life Policy Services, P.O. Box 145496, Cincinnati, OH 45250-5496
General Inquiries
WebsiteLearn more→
Life Policy Services
Phone1-800-783-4479
Toll-Free1-800-783-4479
Fax(513) 870-2099
Mailing Address
The Cincinnati Life Insurance Company, Life Policy Services, P.O. Box 145496, Cincinnati, OH 45250-5496
General Inquiries
WebsiteLearn more→
Life Claims
Phone1-888-212-6970
Toll-Free1-888-212-6970
Fax(513) 870-2969
Mailing Address
The Cincinnati Life Insurance Company, Attn: Life Claims, P.O. Box 145496, Cincinnati, OH 45250-5496
Claims Reporting (24/7)
WebsiteNotify online→
Verified Apr 2026
Cincinnati Life offers 5 insurance products that play a central role in estate planning. Because policy proceeds pass directly to named beneficiaries—bypassing probate entirely—keeping designations current is one of the highest-impact steps policyholders can take.
At Cincinnati Life, beneficiary designations are managed by mail and by phone. Accounts can also be linked to trusts through beneficiary designations to keep them out of probate entirely.
There are two sides to estate planning at Cincinnati Life: setting things up while you're alive, and the process survivors follow after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries by phone, fund a trust by mail, and review 5 account types at Cincinnati Life.
View details →When someone dies
Death claim process
7-step process, 15 required documents, and contact information for survivors.
View details →Frequently asked questions
Yes. Use the Policy Service Form and complete the Ownership Designation section on Page 1 and the Signature sections on Page 2, along with the included W-9 for the new owner (the trust). Provide the full legal trust name, trustee name, and trust EIN. The trustee of the ILIT should be the owner, and the insured cannot serve as trustee of an ILIT that owns a policy on their life. If an existing policy is transferred to an ILIT, the three-year lookback rule under IRC Section 2035 applies for estate tax purposes. Cincinnati Life does not establish ILITs; consult an estate attorney to create one.
Yes. Ownership of a Cincinnati Life deferred annuity can be changed to a trust using the Ownership Designation section of the Policy Service Form. Provide the full legal trust name, trustee name, date established, and trust EIN. Complete the W-9 Taxpayer ID Certification for the new owner (the trust). Note that changing annuity ownership may have tax consequences; consult a tax advisor before making changes. Contact Life Policy Services at 800-783-4479 or your independent agent for assistance.
Cincinnati Life requires that the Policy Service Form be signed with qualifying witnesses. A qualifying witness is any adult other than the insured, designated beneficiary, or policyowner. This applies to beneficiary changes, ownership transfers, and other policy service requests. The witness requirement helps protect policyowners by adding a layer of verification to changes. Complete the Signature section on Page 2 of the Policy Service Form with the required witness signatures before submitting.
Sources
Data sourced from Cincinnati Life primary sources (15 pages reviewed). How we research.
Life Policy Services
Phone1-800-783-4479
Toll-Free1-800-783-4479
Fax(513) 870-2099
Mailing Address
The Cincinnati Life Insurance Company, Life Policy Services, P.O. Box 145496, Cincinnati, OH 45250-5496
General Inquiries
WebsiteLearn more→
Life Policy Services
Phone1-800-783-4479
Toll-Free1-800-783-4479
Fax(513) 870-2099
Mailing Address
The Cincinnati Life Insurance Company, Life Policy Services, P.O. Box 145496, Cincinnati, OH 45250-5496
General Inquiries
WebsiteLearn more→
Life Claims
Phone1-888-212-6970
Toll-Free1-888-212-6970
Fax(513) 870-2969
Mailing Address
The Cincinnati Life Insurance Company, Attn: Life Claims, P.O. Box 145496, Cincinnati, OH 45250-5496
Claims Reporting (24/7)
WebsiteNotify online→
Verified Apr 2026
Estate planning articles
Learn how to protect your Cincinnati Life accounts and other assets with trusts, beneficiary designations, and estate planning documents.
