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: Jul 15, 2021

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The Facts of Life

  • Sentinel Security has lower rates than Great Western
  • Great Western has been rated better than Sentinel Security by A.M. Best
  • Great Western and Sentinel Security focus on final expenses

Great Western and Sentinel Security provide whole life insurance policies that focus on final expenses. Sentinel Security has lower rates, but Great Western has been rated better by A.M. Best. Comparing Great Western vs. Sentinel Security will allow you to find the best choice.

Before starting this Great Western vs. Sentinel Security comparison, enter your ZIP code to get free life insurance quotes from different companies in your area.

Great Western vs. Sentinel Security: What are their monthly rates?

Comparing affordable Great Western vs. Sentinel Security life insurance rates will help you find the most cost-effective option. The following charts show the Great Western and Sentinel Security monthly rates based on age and gender.

Great Western vs. Sentinel Security: Male Whole Life Average $10,000 Policy Monthly Rates by Age
AgeGreat Western Average Monthly RatesSentinel Security Average Monthly Rates
Age 50$58.00$27.72
Age 60$71.25$42.42
Age 70$109.58$69.92
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The following chart shows the same information for females.

Great Western vs. Sentinel Security: Female Whole Life Average $10,000 Policy Monthly Rates by Age
AgeGreat Western Average Monthly RatesSentinel Security Average Monthly Rates
Age 50$48.10$23.05
Age 60$61.25$33.78
Age 70$92.08$53.12
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As you can see, Sentinel Security rates are lower than Great Western, and rates are lower for females than for males.

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Great Western vs. Sentinel Security: What policies are available?

The policies offered by Great Western and Sentinel Security are for final expenses. Comparing the Great Western vs. Sentinel Security life insurance company policies will help you determine which provider is right for you.

Great Western doesn’t provide any term life insurance options but has two whole life policies. The Assurance Plus plan is for those in good health. Answering some medical questions and providing funds for medical expenses can add 25% to your death benefit.

The Guaranteed Assurance plan is for those that have a severe medical condition. Approval is guaranteed, so applicants don’t require a medical exam. However, the lack of medical information increases the company’s risk, so rates are higher.

The Assurance Plus plan features a simple underwriting process, which allows for quick approval. Meanwhile, there is no underwriting process with the Guaranteed Assurance plan.

Great Western also offers pre-need insurance, which allows a policyholder to pay for their funeral and burial expenses. The death benefit is paid directly to the funeral home of your choice, taking the burden off of your loved ones.

Sentinel Security offers three whole life policies for final expenses. The New Vantage I plan is the most basic and affordable option. Applicants must be in good health and can be any age up to 85. Coverage ranges from $1,000 to $35,000.

The New Vantage II plan is the most popular option for minor to moderate health issues. Coverage ranges from $1,000 to $20,000, with the value depending on when the policyholder dies.

The New Vantage III plan is for those with severe health issues. This option is similar to the New Vantage II plan, except that all premiums are returned to the beneficiary if the death occurs within two years.

Sentinel Security also offers a Medicare supplement plan. Customers can use this coverage to pay medical expenses uncovered by Medicare, such as emergency care, an extended hospital stay, and hospice care.

Great Western vs. Sentinel Security: What riders are available?

Most life insurance companies offer options that they can add to a policy. These options are referred to as riders and feature an additional fee. Great Western and Sentinel Security offer multiple riders.

Optional riders offered by Great Western include:

  • Accelerated death benefit
  • Dependent child or grandchild
  • Special Bonus

Optional riders offered by Sentinel Security include:

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

It’s essential to include any riders when considering Great Western or Sentinel Security life insurance quotes.

Great Western vs. Sentinel Security: What are their financial ratings?

Credit rating agencies review and rate insurance companies based on financial strength. These financial ratings determine the likelihood that a company will provide a payout when you file a claim. Great Western and Sentinel Security have been reviewed and rated by A.M. Best.

Great Western has been rated an A by A.M. Best. This rating is described as excellent, informing customers that they’ll likely receive a payout when filing a claim.

Sentinel Security has been rated a B+ by A.M. Best. This rating determines that the company might have trouble providing a payout at times.

While Great Western is rated higher than Sentinel Security, both companies should provide a payout in most situations.

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Great Western vs. Sentinel Security: Where are they available?

Whether or not you’re eligible to buy Great Western or Sentinel Security life insurance depends on where you live. Many insurance companies are either not available in certain states, such as New York, or use a subsidiary in those states.

Great Western is available in 46 of the 50 states, as well as Washington, DC. Sentinel Security is available in 36 of the 50 states. Seven of the 14 states that lack Sentinel Security life insurance are in the Northeast.

Great Western vs. Sentinel Security: How long does it take to receive a death benefit?

The time it takes to receive a death benefit differs by company and policy. Great Western customers can expect to receive their death benefit in less than 60 days.

Sentinel Security is much quicker, with most customers receiving their death benefit within a week.

Great Western vs. Sentinel Security: Company Background

The Great Western Insurance Company was started by Lindquist Mortuaries & Cemeteries in 1983. The purpose was to offer final expense insurance to those using the funeral home.

The Lindquist family remained the owners until they sold the company to the American Enterprise Group in 2018.

While the company has a similar name to the Great Western Bank, the two are separate entities.

Sentinel Security was founded in Utah in 1948 to provide final expense insurance. The company was renamed the Sentinel Insurance Company in 1954 and became the Sentinel Life Insurance Company in 1957. While the company has grown outside of Utah, it still focuses on final expenses.

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Great Western vs. Sentinel Security: The Bottom Line

The choice between Great Western and Sentinel Security comes down to personal preference. Sentinel Security has lower rates than Great Western, but Great Western has been rated better by A.M. Best.

Comparing Great Western vs. Sentinel Security will help you make this decision.

Now that you’ve compared Great Western vs. Sentinel Security, enter your ZIP code to obtain free life insurance quotes from different companies in your area.