Sentinel Security Life Insurance Review [2021]

Sentinel Security specializes in selling final expense life insurance policies. You won't find term or universal life insurance policies from this company, but they do also sell Medicare supplement plans, and annuities. Sentinel Security specializes in providing peace of mind for your final expenses.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 19, 2021

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Quick Facts

  • Sentinel Security Life Insurance Company was founded over 70 years ago in 1948
  • The company was created by a group of funeral directors who saw how much families struggled to pay for final expenses
  • The company has grown from its initial final expense offerings and now offers annuities and Medicare supplement plans
  • The company’s life insurance offerings are very sparse

Sentinel Security life insurance products are not very robust. You won’t find term life insurance or universal life insurance from this provider. However, Sentinel Security does sell a number of products that consumers may be interested in, including final expense life insurance, Medicare supplement plans, and annuities.

This company was founded over 70 years ago by a group of funeral directors who saw how hard it was for families to pay for final expenses. Sentinel Security Life still specializes in final expense life insurance to this day.

Our review will cover what type of life insurance products you can buy from Sentinel Security, how much they cost, and the company’s financial strength rating.

If you’re ready to buy life insurance from one of the top life insurance companies in your area, enter your ZIP code above to compare life insurance rates from the top providers in your area.

What are Sentinel Security’s life insurance rates?

The Sentinel Security Life Insurance Company does not offer any information about their life insurance premium rates on their website. A thorough search of the Internet yielded no information about the rates offered by this company.

If you are interested in comparing Sentinel Security life insurance quotes with the competition, you will need to contact a Sentinel Security life insurance agent to get a quote on a policy.

We can tell you that your life insurance premium will vary based on your health, age, gender, and other specific details unique to your life. However, Sentinel Security will likely be able to find you an affordable life insurance policy because they specialize in final expense life insurance; this type of coverage is generally associated with having a low premium.

In order to get the best life insurance rates, you need to compare your Sentinel Security life insurance quote with other providers.

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What life insurance products does Sentinel Security offer consumers?

Sentinel Security life insurance offerings are very sparse compared to other life insurance companies. In fact, this life insurance company only sells one type of life insurance product, and that is final expense life insurance.

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What are the specific details of Sentinel Security’s final expense life insurance policies?

Sentinel Security brands their final expense policies as their “New Vantage Life Insurance.” These final expense life insurance policies feature an easy application process with no medical exam requirement. The underwriting process is very minimal. You will only have to answer a few medical questions, and all of them can be answered with a simple yes or no.

Sentinel Security’s application process can be completed over the phone, and you can generally get accepted in just a few days. Sentinel Security also offers full-refunds within the first twenty days of your policy if you are not completely satisfied with your life insurance coverage.

These final expense life insurance policies are a form of permanent life or whole life insurance. This means that they last for the duration of your life as long as your premiums are paid.

The other cool thing about permanent life insurance is that it builds a cash value that can be borrowed against should you need it over time. The important thing to remember is that any loans you take out against your final expense life insurance policy will also reduce the death benefit until the loans are repaid.

Does Sentinel Security offer pre-need life insurance?

Yes, Sentinel Security’s final expense life insurance policies can be structured as pre-need life insurance policies. You may be wondering what pre-need life insurance is. Pre-need life insurance is no different from final expense life insurance except that instead of naming a beneficiary, you set your policy to pay a funeral home.

This allows you to make all of your own final arrangements with the funeral home of your choice. Your loved ones will not need to worry about coordinating with the insurance company and the funeral home to make sure your benefits are paid out, so they can pay for your final expenses.

Many people enjoy pre-need life insurance options because it gives them the peace of mind that they will not be troubling someone they love with their final arrangements. It also gives them the opportunity to make their own plans for their service and other final needs. Keep in mind, this type of policy can’t be used to replace any income. It is only suitable for covering funeral costs and other minor end-of-life expenses          .

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How strong is Sentinel Security financially?

Financial security is an important aspect of a life insurance company to consider. You want to make sure that the company you choose has the ability to actually pay your benefits in full and on time. This is why many people want to know the financial strength of their life insurance company.

Sentinel Security Life Insurance Company has a B++ financial strength rating from A.M. Best, an independent financial review company. This is a pretty strong score. It indicates that the company is in good financial standing and will be able to make benefit payments.

What’s the bottom line?

If you are looking for a life insurance company with many different policy options to choose from, you should look elsewhere. Sentinel Security specializes in final expense life insurance. If you can get life insurance from another provider with more options, you should explore those options.

This company is great for people who can’t get approved for life insurance with another company and people who just want to buy a little final expense coverage to spare their family the expense of burial.

Be sure to shop around and compare life insurance quotes if you want to get the best deal on your life insurance rates. You can enter your ZIP code below to compare life insurance rates from the top providers in your area.

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