Cincinnati Life is a funny company. They have their niche in certain areas, such as smokeless tobacco users and good rates on ROP
term and GUL policies. I am not a huge fan of ROP
, but a lot of people really like it. They give you the option of a paid up, non-par permanent plan instead of the cash that could be used instead of having to buy a final expense plan at retirement. If that was sold more to lower to middle class clients, it would eventually hurt the final expense crowd. The people who want it love it, and it takes care of their immediate income need and their future burial expense need. Most of their niches don't really align with the market that I am after, but I wrote a fair amount with them last year. After I got to know the rep, he told me later that there were questions whether or not they should give me a contract. They weren't sure if I would send them enough business. He seems happy with what I send in.
They are extremely old school. They seem to really like the P and C agents that sell life too. My understanding is that they do not just pass out contracts like a lot of the other companies. If you aren't going to produce a lot, I think they would rather you be a sub agent under another agency. I may be completely wrong with saying that, but I would look up the 1800 number and talk to someone at the home office about getting contracted directly. All they can tell you is no. If the guy you are partnering with really likes them and is planning on using them a lot, you may not have a problem getting a direct appointment. I would be careful what you tell them. I think they are one of the companies that frowns on internet lead generation. Hope this helps