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                            financial strength ratings

                            Cincinnati Financial Corporation
                            Best's
                            Fitch
                            Moody's
                            S&P Global Ratings
                            Corporate Debt
                            a
                            A-
                            A3
                            BBB+


                            The Cincinnati Insurance Companies
                            Best's
                            Fitch
                            Moody's
                            S&P Global Ratings
                            Insurer Financial Strength
                             
                             
                             
                             
                            Property Casualty Group
                             
                             
                             
                             
                             Standard Market Subsidiaries:
                             
                             
                             
                             
                             The Cincinnati Insurance Company
                            A+
                            A+
                            A1
                            A+
                             The Cincinnati Indemnity Company
                            A+
                            A+
                            A1
                            A+
                             The Cincinnati Casualty Company
                            A+
                            A+
                            A1
                            A+
                             Excess and Surplus Lines Subsidiary:
                             
                             
                             
                             
                             The Cincinnati Specialty Underwriters Insurance Company
                            A+
                            --
                            --
                            --
                            The Cincinnati Life Insurance Company
                            A+
                            A+
                            --
                            A+



                            Financial strength allows us to better serve and protect our agents, policyholders and shareholders. Our commitment to all three is how we fulfill our pledge, leading with strength and service.

                            A.M. Best, an independent provider of insurer ratings since 1899, awards its A+ (Superior) financial strength rating to Cincinnati's standard market property casualty group. Only the top approximately 12% of property casualty insurer groups receive A.M. Best's A+ or A++ ratings in the Superior category. Best cites the group’s superior risk-adjusted capitalization, conservative loss reserving and operating fundamentals, along with favorable balance sheet liquidity, growing use of predictive modeling and successful distribution within our targeted regional markets. Our life insurance subsidiary, The Cincinnati Life Insurance Company, also receives Best's A+ (Superior) rating.

                            Please select the A.M. Best icon to the right to see the most recent rating reports for each company.

                            Fitch Ratings cites Cincinnati's conservative capitalization, well-managed reserves and strong agency distribution system in awarding its A+ (Strong) insurer financial strength rating to the standard market property casualty and life insurance companies.

                            Please select the Fitch Ratings icon to the right to see the most recent rating reports.


                            Moody's Investors Service affirmed its A1 insurance financial strength rating of our standard market property casualty group. Moody’s cited ratings strengths including our entrenched regional franchise, good risk-adjusted capital position, consistent reserve strength, strong financial flexibility and substantial holding company liquidity.

                            Please select the Moody's icon to the right to see the most recent information.


                            S&P Global Ratings Services cites characteristics supporting Cincinnati's A+ (Strong) rating, including the group's very strong capitalization and strong competitive position, which is supported by a very loyal and productive independent agency force and a low-cost infrastructure.

                            Please see S&P Global Ratings' rating report for the most recent information.
                            Ratings are under continuous review and subject to changes and/or affirmation.

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