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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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: Apr 28, 2021

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The Facts of Life
  • Sentinel Security has lower rates than Gerber Life
  • Gerber Life has been rated better than Sentinel Security by A.M. Best
  • Gerber Life has more life insurance options than Sentinel Security


Gerber Life and Sentinel Security both offer various life insurance products to customers. Gerber Life offers whole life and term life insurance, while Sentinel Security only offers whole life options. Sentinel Security does offer lower rates, but Gerber Life has better ratings from A.M. Best. Compare Gerber Life vs. Sentinel Security to discover which company is best for you.

Before jumping into this Gerber Life vs. Sentinel Security review, enter your ZIP code to find the best life insurance quotes in your area.

Gerber Life vs. Sentinel Security: What are their monthly rates?

Comparing the Gerber Life vs. Sentinel Security life insurance rates is often an effective way of choosing between them. The chart below shows the Gerber Life and Sentinel Security rates for a $10,000 whole life policy for men of different ages.

Gerber Life vs. Sentinel Security: Male Whole Life $10,000 Policy Monthly Rates by Age
AgeGerber Life Average Monthly RatesSentinel Security Average Monthly Rates
Age 50$44.09$27.72
Age 60$63.89$42.42
Age 70$99.18$69.92
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The next chart shows the same information for women.

Gerber Life vs. Sentinel Security: Female Whole Life $10,000 Policy Monthly Rates by Age
AgeGerber Life Average Monthly RatesSentinel Security Average Monthly Rates
Age 50$34.47$23.05
Age 60$51.06$33.78
Age 70$75.53$53.12
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As you can see, Sentinel Security offers lower monthly rates than Gerber Life and the rates for women are lower than those for men.

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Gerber Life vs. Sentinel Security: What products are offered?

The primary difference between Gerber Life and Sentinel Security is the types of policies offered. While Gerber Life offers term life and whole life insurance, Sentinel Security only has whole life offerings.

Gerber Life has term life options available in 10-, 20-, and 30-year terms. The value of this policy ranges from $100,000 to $300,000. Medical exams are only required for policyholders over the age of 50.

In addition to its term life products, Gerber Life offers a wide range of whole life policies. These policies are based on the age of the policyholder and can allow a customer to maintain Gerber Life insurance from childhood until death.

The Gerber Life Grow-Up Plan is designed for children. Available between the ages of 14 days and 14 years, this policy can be purchased by a parent, grandparent, or legal guardian. The value of this policy ranges from $5,000 to $50,000 and doubles when the child turns 18.

If a guardian decides to purchase life insurance for a child after 14 years, they can opt for the teenage policy. This policy is available for those between the ages of 15 and 17. It is similar to the child plan, allowing the child to become the policyholder at the age of 21.

Gerber Life insurance for adults is available for those 18 years and older. Coverage for these plans ranges from $50,000 to $300,000. Similar to the term life plan, only those over the age of 50 require a medical exam.

The senior plan offered by Gerber Life is designed to help with final expenses. For this reason, the value of this plan is only between $5,000 and $25,000. Customers can purchase this plan between the ages of 50 and 80 years old.

Focused primarily on final expenses, Sentinel Security only offers whole life policies. They have three options, which differ based on the policyholder’s health at the time of the purchase. Rather than building up a cash value, these plans are designed to help the beneficiaries pay for funeral and burial expenses.

The New Vantage I plan is the most basic and affordable coverage offered by Sentinel Security. Policyholders must be in good health to be eligible for this coverage. Applicants can be any age up to 85 and coverage ranges from $1,000 to $35,000.

The most popular coverage offered by Sentinel Security is the New Vantage II plan. Available for those with minor or moderate health issues, coverage ranges from $1,000 to $20,000. The value reached by the plan depends on the time of death.

The New Vantage III plan is designed for those in poor health. It’s similar to the New Vantage II plan but if the policyholder dies within the first two years, all premiums are returned to the beneficiary with an added 10 percent interest.

In addition to their whole life policies, Sentinel Security also offers a medicare supplement plan. While Medicare pays for many medical-related expenses, it doesn’t cover everything. This plan can be used to pay for emergency care, extended hospital stays, and hospice care.

Gerber Life vs. Sentinel Security: What riders are available?

When a life insurance policy doesn’t offer everything needed by a customer, other options can be added to the policy. Known as riders, most of these options can be added for an additional premium. Gerber Life and Sentinel Security both offer riders to customers.

Only available for the Gerber Life Grow-Up Plan, the guaranteed purchase option rider is the sole option available for Gerber Life customers. This rider allows the child to purchase additional life insurance when they become the policyholder at 21.

Sentinel Security offers multiple riders that can be added for an additional premium. Optional riders available from Sentinel Security include:

  • Accidental death
  • Waiver of a premium
  • Children’s protection

While Gerber Life and Sentinel Security offer optional riders, both providers have fewer options than most of their competitors.

Gerber Life vs. Sentinel Security: What are their financial ratings?

Credit rating agencies provide financial ratings for life insurance companies. These ratings represent the likelihood that a company will be able to provide a payout when a claim is filed. Sentinel Security and Gerber Life insurance reviews have been conducted by A.M. Best.

Gerber Life has been rated an “A” by A.M. Best. This is considered an excellent rating, stating that the company should be able to provide a payout when a claim is filed, even under difficult economic conditions.

Sentinel Security was rated a “B+” by A.M. Best. While lower than Gerber Life’s, this rating is still considered strong and says that the company might struggle to provide a payout only in the most difficult economic situations.

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Gerber Life vs. Sentinel Security: Where are policies available?

Gerber Life policies are available in the United States, Canada, and Puerto Rico. This is an advantage over the company’s competitors, most of which only provide coverage in the United States.

Sentinel Security only offers coverage in 37 of the 50 states. However, the company is expanding. Sentinel Security is currently available in:
AK, AR, CA, CO, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MS, MN, MD, MO, NE, NV, NM, NC, ND, OH, OK, OR, PA, RI, SD, TX, UT, and WY.

Gerber Life vs. Sentinel Security: Company Background

Gerber began selling life insurance as Gerber Life in 1967. Headquartered in Fremont, MI, the company focuses its insurance offerings on young families, similar to its other products.

Sentinel Security was founded in 1948 in Utah to provide final expense insurance. In 1954, the company was renamed the Sentinel Insurance Company, and in 1957 it became the Sentinel Security Life Insurance Company. Though it has grown beyond Utah, it still focuses on final expense insurance.

Gerber Life vs. Sentinel Security: The Bottom Line

When choosing between Gerber Life vs. Sentinel Security, your decision essentially comes down to the type of life insurance needed. Those looking for more options throughout their life will choose Gerber Life, while those looking specifically for final expense insurance are better off with Sentinel Security.

Comparing affordable Gerber Life vs. Sentinel Security life insurance quotes will help you find the right company.

Now that you’ve compared Gerber Life vs. Sentinel Security, enter your ZIP code to find the best life insurance rates in your area.

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Gerber Life vs. Sentinel Security: Frequently Asked Questions

Still unsure if you should buy Gerber Life vs. Sentinel Security life insurance? Here are some frequently asked questions about them both.

#1 – How quickly are claims paid by Gerber Life and Sentinel Security?

Sentinel Security pays claims quicker than most competitors, usually resulting in the money being transferred in two to three days. The speed of Gerber Life claims depends on when the claim is filed and the type of claim being filed.

#2 – What else can I buy from Gerber Life and Sentinel Security?

In addition to life insurance policies, Gerber Life offers a college savings plan. Sentinel Security offers various annuities that can help customers save money for retirement.

#3 – How can I make Gerber Life and Sentinel Security payments?

Gerber Life and Sentinel Security customers can pay premiums by debit card, credit card, check, or automatic bank draft.