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: May 20, 2021

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The Facts of Life

  • Oxford Life Insurance Company has cheaper burial rates, but Sentinel Security Life Insurance Company has more annuities
  • Both companies carry a type of healthcare supplement insurance
  • Sentinel Security life insurance has a much lower A.M. Best rating

You’ve narrowed your final expense burial insurance shopping down to Oxford vs. Sentinel Security life insurance. Now you’re ready to compare life insurance quotes.

It may be more challenging than you thought. But don’t worry – we have the answers.

Our short Oxford vs. Sentinel Security life insurance guide will break down these two companies’ rates, insurance products, and most recent financial strength ratings.

Continue reading to compare Oxford vs. Sentinel Security life insurance, or enter your ZIP code in the free online quote tool above to compare quotes from companies in your area.

Oxford vs. Sentinel Security Life Insurance: Which company has more life insurance products?

Sentinel Security Life Insurance Company provides a burial insurance policy, six annuity programs, and healthcare supplement insurance.

Meanwhile, Oxford Life Insurance Company has two burial insurance policies, four annuity programs, one whole life insurance policy (Prosperity Select), and one Medicare supplement insurance policy.

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Oxford vs. Sentinel Security: How much are their life insurance rates?

Oxford Life has more life insurance policies, but which company is cheaper? Let’s compare affordable Oxford Life vs. Sentinel Security burial insurance rates.

Oxford vs. Sentinel Security Average Monthly Burial Insurance Rates by Age and $10K Policy Limit
Age of PolicyholdersOxford Life Monthly Burial Insurance Rates for Non-Smoking Females w/ $10K Policy LimitOxford Life Monthly Burial Insurance Rates for Non-Smoking Males w/ $10K Policy LimitSentinel Security Monthly Burial Insurance Rates for Non-Smoking Females w/ $10K Policy LimitSentinel Security Monthly Burial Insurance Rates for Non-Smoking Males w/ $10K Policy Limit
40N/AN/A$19$23
45N/AN/A$20$25
50$21$25$23$28
55$26$31$27$34
60$32$40$34$42
65$41$53$42$54
70$52$68$53$70
75$71$93$76$97
80$104$136$108$147
85$153$188N/AN/A
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Oxford Life doesn’t offer burial insurance policies to people in their 40s, but its rates are cheaper than Sentinel Security Life, especially for customers in their 50s and beyond.

If you’re a smoker, life insurance, in general, will cost $17 to $20 more. You can lower your cost if you have a lifestyle change that improves your overall health.

Do Oxford Life and Sentinel Security Life have good financial strength ratings?

Oxford Life and Sentinel Security Life have good ratings with the credit rating agency A.M. Best. Oxford Life Insurance Company has an “A-” (Excellent).

Sentinel Security Life Insurance Company has a “B++” (Good). This is not a bad rating, but it’s nothing to boast about either.

The best life insurance companies have ratings of “A+” and above.

A.M. Best ratings show how well a company manages money and how likely they are to meet obligations to customers in the future. According to A.M. Best, the “A-” grade shows greater financial stability than a “B++.”

Can you file Oxford Life or Sentinel Security Life insurance claims online?

Oxford Life doesn’t have a solid online presence, so you can’t file a life insurance claim online, and you can only get a quote from an agent. To start a claim at Oxford, contact Oxford Life Insurance Company customer service.

Sentinel Security Life Insurance Company doesn’t have a direct link to file a claim, but you will find claim forms on the company’s website.

Presumably, these can be printed, filled out, and then faxed or mailed to the fax number or address on the form.

Here are the Oxford and Sentinel Security phone numbers:

  • Oxford Life insurance phone number: (866) 641-9999
  • Sentinel Security Life insurance phone number: (800) 247-1423

Start with calling customer service first or contact an agent by email. Ultimately, Sentinel Security Life has a better online presence for filing claims.

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Oxford vs. Sentinel Security Life Insurance: What’s the bottom line?

Despite the lack of term life insurance, Oxford Life has a stronger burial life insurance program stacked with riders. Sentinel Security Life is more expensive, but it carries more annuities.

So should you buy Oxford vs. Sentinel Security life insurance Overall, Oxford appears to be the better company. The only way to know for sure is to grab a quote from both companies and compare.

Now that you’ve compared Oxford vs. Sentinel Security life insurance, try using our free comparison tool to get quotes from multiple companies near you.