Nathan Otto

A field representative with The Cincinnati Life Insurance Company, Nathan Otto works with agencies throughout northern Texas, Arkansas and Oklahoma. He joined Cincinnati Life in 2013. He holds a bachelor’s degree in international politics and military affairs, and is pursuing the Chartered Life Underwriter (CLU) designation. He also serves in the Ohio National Guard as an infantryman.

Conversion privileges:
Invaluable life insurance benefits

You made the most important step. You recognized a need in your financial safety net and purchased term life insurance. Now time has passed, and your situation has changed. Perhaps your income increased, you purchased a home or you started a family. Your coverage needs constantly evolve. These changes may provide an excellent opportunity to leverage a powerful benefit of your policy: the conversion provision.

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Living benefits: Accelerated death benefit riders

When choosing a life insurance policy, the death benefit paid to a beneficiary is the primary focus. However, did you know that some life insurance plans provide additional living benefits? Policies not only provide financial security after death, but in some cases they may provide benefits in the event of a terminal or permanently incapacitating illness.

An accelerated death benefit rider is an enhancement to a life insurance policy that allows a policy owner to access some portion of the death benefit while the insured is still living.

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