How to name beneficiaries and fund a trust at Cincinnati Life
Covers 5 insurance accounts — beneficiaries can be updated by phone
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
For Cincinnati Life policyholders, estate planning comes down to one critical step: making sure the right beneficiaries are named on every policy. Insurance proceeds bypass probate entirely and go directly to whoever is listed—regardless of what a will says. When estate tax planning or controlled distributions are a factor, a trust can be named as beneficiary instead.
Cincinnati Life has 5 policies with different estate transfer rules. Here is how beneficiary designations, trust ownership, and probate apply to each one.
Term Life InsuranceWhole Life InsuranceHeritage UL Universal LifeLifesetter Flex ULDeferred Annuity
1
Call Cincinnati Life Policy Services at 800-783-4479
2
Request and receive the Policy Service Form:
- Request the Policy Service Form for a beneficiary change
- A representative will mail, email, or fax the form to you
3
Complete the form:
- Complete the Beneficiary Change/Designation section on Page 1
- Complete the Signature section on Page 2
- Witnesses must be any adult other than the insured, designated beneficiary, or policyowner
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Trusts can be named as beneficiaries on life insurance and annuity policies
- Primary and contingent beneficiaries allowed with percentage allocations
- Qualifying witnesses must be any adult other than the insured, designated beneficiary, or policyowner
- If a trust is removed as beneficiary, ensure the trust no longer exists or a successor trustee is named to avoid delays at claim time
- If the trustee passes away and no successor trustee is named, there could be a delay at the time of a claim
- Beneficiary designations on policies override instructions in a will
- Contact your independent insurance agent for assistance with beneficiary changes
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