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Sentinel Security Life Insurance Company Review

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Ron Attias, a licensed insurance broker. He had no particular loyalty to any one insurance company, so he was able to shop all major insurance carriers. This means that you always get the BEST plan at the LOWEST price. Each plan can be customized to fit your specific healthcare...

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UPDATED: Jul 9, 2019

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If you are looking for final expense insurance, you may want to consider getting a quote from Sentinel Security Life Insurance Company. We know it’s impossible to follow all the life insurance companies out there, so we have decided to review Sentinel Security Life and compare it against the best in our industry when it comes to rates, coverage types, and the underwriting process.

Sentinel Security Life is also on our current top 20 final expense companies.

Sentinel Security Life History

In 1948, 70 years ago, a group of funeral directors in Utah saw many families in need of burial insurance product help pay for funeral costs. To help meet this challenge, they created Sentinel Mutual Insurance Company to enable families to get affordable coverage to help with final expenses.

As the years went by, the company’s name kept changing: in 1954, it was Sentinel Insurance Company, and in 1957, Sentinel Security Life Insurance Company. In 2009, the company started selling Medicare supplement products along with annuities and hospital indemnity plans.

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Sentinel Security Life Financial Ratings

According to A.M Best Sentinel Security Life Insurance Company has B++ (Good).

Sentinel Security Life Is Available Only In…


Which Final Expense Products Does Sentinel Security Life Offer?

For starters, final expense insurance is for those who are interested in protection that helps with burial and funeral expenses. This includes expenses such as casket, cremation, and final medical bills among others. The coverage is permanent with a level premium payment throughout the insured’s lifetime.

Since this is a whole-life policy, you also get the cash accumulation benefit which grows over time on a tax-deferred basis. You can use this later through a loan or when you surrender your policy. The policy can’t be canceled as long as premiums are paid, and the applicant isn’t required to undergo an exam as part of the underwriting process.

Instead, there are a few questions to which you need to answer yes or no. Sentinel Life offers three levels of final expense coverage: Level, graded, and modified death benefit. Let take an in-depth look at each one.

New Vantage I—Immediate Benefit

An immediate death benefit plan guarantees 100% of the death benefit to be paid at any time after the insured’s death whether it’s days or years after buying the coverage. In other words, your full death benefit will be available any time after the insured passes away, no matter when.

To qualify for this plan, you must be in good health with no significant pre-existing conditions like cancer, stroke, or heart attack in the past five years. Common health conditions such as high blood pressure or high cholesterol and even insulin-dependent diabetics who use less than 50 units daily can qualify for this plan. You also have the option to pay for this coverage in single premium, 10 years, 20 years, paid up to age 65 or paid up to age 85.

  • Issue ages: 0–85
  • No medical exam
  • Immediate death benefit
  • Face amounts:
    • $1,000–$35,000 for ages 0–75
    • $1,000–$25,000 for ages 76–80
    • $1,000–$15,000 for ages 81–85
  • Payment option:
    • Single pay for ages 0–85
    • 10-pay for ages 0–75
    • 20-pay for ages 0–65
    • Paid up 65 for ages 0–55
    • Paid up 85 for ages 0–65

New Vantage I Riders

  • Waiver of Premium (WOP): Sentinel Life will waive the policy’s premium if the insured becomes permanently disabled by an injury or illness. Available for clients ages 15 through 55.
  • Accidental Death Rider (ADR): The policy will pay an additional amount should the insured die as a result of an accident. Available for clients ages 0 through 60.
  • Children’s Protection Rider (CPR): You can buy term coverage on your child up to $5,000 in maximum death benefit.

New Vantage II—Graded Benefit

A graded death benefit plan doesn’t pay the full death benefit amount should the insured die in the first two years. Instead, Sentinel will pay 30% of the death benefit in year one, 70% in year two, and only in year three and after 100% of the death benefit.

If the death is accident related, Sentinel will pay the full death benefit amount. This coverage is designed for individuals with minor health conditions such as an insulin-dependent diabetic who uses 50 units or more daily or certain heart conditions treated within the past five years.

New Vantage III—Modified Benefit

A modified death benefit plan is designed for those with more severe health challenges treated within the past two years, such as congestive heart failure, heart surgery, or a stroke. Because the carrier is taking an increased risk by insuring them, they hedge their bets by modifying the death benefit amount.

If the insured dies within the first two years, the beneficiaries will only collect the paid premium plus 10% in interest. Only in year three and after, they will receive the full 100% death benefit. If the death is accident related, Sentinel will pay the full death benefit amount.

New Vantage II & New Vantage III Highlights

  • Issue ages: 45–85
  • No medical exam
  • Graded death benefit
    • Year 1—30% of face amount
    • Year 2—70% of face amount
    • Year 3+—100% of face amount
  • Face amounts:
    • $1,000–$20,000 for ages 45–80
    • $1,000–$15,000 for ages 81–85
  • Accidental rider is included at no cost for the first two years

Related: What is guaranteed issue life insurance?

Knockout Questions

Sentinel Security Life knockout questions

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Sentinel Security vs. Other Carriers’ Sample Monthly Rates

Male $10,000 Whole Life

 CompanyAge 50Age 60Age 70Age 80
 Sentinel Security $27.72 $42.42 $69.92 $147.06
 Assurity $28.82 $41.65 $73.05 $155.57
 Mutual of Omaha $29.16 $42.76 $73.70 $132.65
 Americo $32.06 $43.68 $72.93 $145.65
 Liberty Bankers Life $30.51 $45.80 $73.31 $146.80
 Phoenix$30.15 $43.27 $72.74 $146.92
 American-Amicable $30.80 $45.76 $76.57 $151.36
 United Home Life $31.02 $44.69 $74.63 $138.60
 Settlers $31.45 $45.31 $72.85 $153.80
 Transamerica $30.73 $43.85 $74.66 $140.22

Female $10,000 Whole Life

 CompanyAge 50Age 60Age 70Age 80
 Sentinel Security $23.05 $33.78 $53.12 $108.29
 Assurity $25.48 $34.74 $56.41 $113.89
 Mutual of Omaha $24.67 $32.87 $53.24 $98.43
 Americo $24.56 $33.93 $53.43 $112.77
 Liberty Bankers Life $25.57 $34.67 $54.79 $109.16
 Phoenix$26.63 $36.46 $55.26 $110.24
 American-Amicable $25.96 $37.22 $58.70 $110.44
 United Home Life $26.06 $35.42 $73.28 $141.58
 Settlers $26.01 $36.38 $55.76 $113.48
 Transamerica $25.32 $33.72 $71.59 $104.11

Male $20,000 Whole Life

 CompanyAge 50Age 60Age 70Age 80
 Sentinel Security $52.44 $81.83 $136.84 $291.12
 Assurity $55.44 $81.10 $143.90 $308.93
 Mutual of Omaha $55.11 $82.31 $144.20 $262.11
 Americo $60.33 $83.56 $142.06 $287.51
 Liberty Bankers Life $56.39 $86.97 $141.99 $288.97
 Phoenix$56.16 $82.40 $141.34 $289.69
 American-Amicable $58.96 $88.88 $150.50 $300.08
 United Home Life $57.68 $85.03 $144.91 $272.05
 Settlers $62.90 $90.61 $145.69 $291.13
 Transamerica $57.89 $84.05 $145.74 $276.88

Female $20,000 Whole Life

 CompanyAge 50Age 60Age 70Age 80
 Sentinel Security $43.10 $64.56 $103.23 $213.58
 Assurity $48.77 $67.28 $110.62 $225.58
 Mutual of Omaha $46.14 $62.53 $103.28 $193.66
 Americo $45.32 $64.07 $103.06 $221.75
 Liberty Bankers Life $46.51 $64.71 $104.95 $213.69
 Phoenix$49.12 $68.78 $106.37 $216.34
 American-Amicable $49.28 $71.81 $114.75 $218.24
 United Home Life $47.76 $66.49 $100.59 $204.87
 Settlers $52.02 $72.76 $111.52 $226.95
 Transamerica $47.07 $63.87 $104.41 $204.65

Male $30,000 Whole Life

 CompanyAge 50Age 60Age 70Age 80
 Sentinel Security $77.15 $121.25 $203.75 NA
 Assurity $82.06 $120.55 $214.75 $462.30
 Mutual of Omaha $81.06 $121.86 $214.69 $391.56
 Americo $88.59 $123.44 $211.19 $429.36
 Liberty Bankers Life $82.27 $128.14 $210.67 $431.14
 Phoenix$82.17 $121.53 $209.94 $432.47
 American-Amicable $87.12 $132.00 $224.43 $448.80
 United Home Life $84.35 $125.38 $215.19 $407.10
 Settlers $94.35 $135.92$218.54 $461.81
 Transamerica $85.04 $124.29 $216.83 NA

Female $30,000 Whole Life

 CompanyAge 50Age 60Age 70Age 80
 Sentinel Security $63.14 $95.34 $153.34 NA
 Assurity $72.05 $99.83 $164.82 $337.27
 Mutual of Omaha $67.60 $92.20 $153.31 $288.89
 Americo $66.07 $94.20 $152.68 $330.72
 Liberty Bankers Life $67.45 $94.76 $155.11 $318.23
 Phoenix$71.61 $101.10 $157.49 $322.43
 American-Amicable $72.60 $106.39 $170.81 $326.04
 United Home Life $69.47 $97.55 $148.71 $305.13
 Settlers $78.03 $109.14 $167.28 $340.43
 Transamerica $68.82 $94.02 $154.84NA

*All rates quoted on this page are for a super-preferred healthy individual who does not use tobacco. Monthly rates are updated as of July 2018 and are subject to underwriting approval.*

Bottom Line

The biggest elephant in the room is that Sentinel Life has B++ financial rating. As a broker, I like to work with A-rated companies because I want to make sure that they will be there when my clients need them to pay. To their credit, Sentinel has been around for over 70 years, so it may be enough reason to trust them.

Nevertheless, there are enough A-rated companies, such as Globe Life or Colonial Life, that I would not buy any coverage from them regardless of how high their rating is. When it comes to Vantage I level benefit plan, Sentinel is very competitively priced, and if you can’t pay the extra few dollars to go with an A-rated company, it would still be a good buy.

Vantage II and III aren’t competitive, price-wise, and you can find better rates with other companies. We represent more than 50 carriers and we will place you with the right carrier based on your health conditions. You can run the quotes on this page to compare Sentinel Security with other top companies.

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