Sentinel Security Life Insurance Review (2021)

Sentinel Security life insurance specializes in whole life insurance. They offer three primary plans, the Vantage I, II, and III. Each of the plans comes with a benefit memorial guide to help individuals partner with a funeral home to pre-plan and pay for their final expenses. In addition, Sentinel Security offers several annuities and other financial services to their customers.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 30, 2021

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Company Details
Address: 1405 West 2200 South
City: Salt Lake City
State: Utah
ZIP Code: 94119
Phone Number: 800-247-1423
Year Founded: 1948
AM Best Rating: B++
Company Rating 0 (0 reviews)

If you are looking for a life insurance company specializing in whole life insurance, Sentinel Security Life is worth a second look.

Sentinel Security Life currently offers three whole life insurance policies and a host of other financial services to its customers.

Keep reading to learn more about Sentinel Security’s life insurance products, additional services, and reputation in the industry.

Before jumping into this Sentinel Security review, enter your ZIP code above, and we will help you find local providers who fit your budget.

Is Sentinel Security life insurance affordable?

Sentinel Security offers whole life insurance policies to its customers. Whole life insurance policies are the most expensive life insurance options on the market because of their multitude of benefits and cash value accrual.

If you were to compare the rates of a whole life policy to other life insurance options, like a term life insurance policy, you would see that term life insurance policies are much more affordable.

However, if you are set on purchasing a whole life insurance policy, getting a Sentinel Security Life insurance quote is the best way to find out if it is affordable.

Each life insurance company decides its own rates using unique algorithms, so getting as many quotes as possible is the best way to find affordable life insurance in general.

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What Life Insurance options does Sentinel Security Life offer?

Currently, there are three Sentinel Security Life insurance policy options in their New Vantage life insurance line.

All three policies are whole life policies, which means that they build cash value. This offers options for policyholders to borrow against them in times of need during their lifetime.

Because funeral directors founded sentinel, the plan is designed with a special memorial guide.

The policy can be partnered with your choice of a funeral home to make estate planning easier for you and take the burden away from your family.

New Vantage I

Vantage I the most affordable Sentinel Security Life insurance option. It is designed for healthy individuals, so it may not be available to all who apply for it, but its rates are designed to be the most competitive.

New Vantage II

Vantage II is designed for those who are less healthy and is therefore expected to have higher rates than the Vantage I.

It features the Modified Benefit Plan, which pays a death benefit of 30 percent if the policyholder passes within the first year.

If they pass in the second year, the policy will pay 70 percent, and the full benefit is paid in the third year and beyond.

New Vantage III

This policy is for those in poor health and will therefore have the highest rates of the three.

This policy has a different modified benefit plan designed to pay back all the premiums paid plus a 10 percent of the death benefit should the policyholder pass in the first two years of having the policy.

The plan pays the full death benefit from the third year on.

Additional Products From Sentinel Security Life

Sentinel Security Life offers a wide array of financial products, from annuities to healthcare supplements. Here’s a quick list.

Annuities and Other Investments

  • Guaranteed Income Annuity
  • Retirement Plus Multiplier
  • Accumulation Protector Plus
  • Personal Choice Plus
  • Personal Choice
  • Summit Bonus Index

Healthcare

  • Hospital Advantage
  • Medicare Supplement

So, is Sentinel Security a good company to purchase life insurance from?

Sentinel Security Life Insurance Review

If you are trying to decide whether or not you want to buy Sentinel Security life insurance, there are three main factors to consider.

The first is what type of life insurance you want. Sentinel Security Life only offers whole life insurance. If you are looking for term life insurance or even variable life insurance options, they do not have what you need.

However, their healthy list of annuities and other investing services may provide you with alternatives worth considering if you are looking to secure your financial future in other ways.

The second factor is company reputation. If you are looking to invest a great deal of money with any company, whether it is through life insurance or annuities.

It’s important to know that the company has a solid reputation. Sentinel Security Life has a good rating with A.M. Best and a solid reputation with customers, according to the NAIC.

The final factor is price. Sentinel Security Life insurance rates will, as stated above, vary widely from person to person.

Life insurance rates, in general, are hard to predict, so the best way to find the company that fits your budget to shop around and compare life insurance rates from company to company.

There is no downside to getting a free quote from several companies and comparing both the price and the coverage that they provide.

In the end, for those looking for whole life insurance, Sentinel Security is worth getting a quote from.

The company has a good reputation and financial outlook and offers many other products to help customers plan for their financial futures.

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Who is Sentinel Security?

Sentinel Security Life was founded in 1948 in Utah. According to their website, Sentinel Security was founded by a group of funeral directors to help local families in the community afford funeral expenses.

Their goal was to provide affordable life insurance options that could cover final expenses. Currently, they exclusively offer whole life insurance policies.

However, Sentinel Security Life has added several annuity products to its portfolio in the last decade. This allows their customers to save money for their futures and afford not only final expenses but also healthcare.

Sentinel Security Life Insurance company has a current rating with A.M. Best of B++ or ‘Good’ with a stable financial outlook.

According to the National Associate of Insurance Commissioners, customer complaints are below average, with a complaint index score of 0.07.

Now that you’ve finished this Sentinel Security review, enter your ZIP code below, and we will help you find life insurance companies that meet your needs.

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