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 24, 2021

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The Facts of Life

  • Prosperity Life Group has more Medicare and life insurance policies for customers than Sentinel Security
  • Sentinel Security has cheaper life insurance rates and provides burial insurance to people as young as 40
  • Compared to the top companies in the United States, Prosperity Life and Sentinel Security have low A.M. Best ratings

Have you narrowed your life insurance options down to Prosperity Life vs. Sentinel Security life insurance?

Prosperity Life insurance and Sentinel Security Life Insurance Company are small telesales companies, but they’re popular choices for final expense burial insurance.

But how much do life insurance premiums cost? What policies are available? Don’t worry — we’re here to compare Prosperity Life vs. Sentinel Security life insurance quotes, insurance products, and third-party ratings.

Curious about how affordable Prosperity Life vs. Sentinel Security life insurance might be for you? Keep reading. To compare more companies, enter your ZIP code in the comparison tool above to get free quotes.

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

The short answer is Prosperity Life Group. Prosperity Life and its affiliates, SBLI and S.USA, provide various kinds of life insurance policies, including term life insurance, universal life insurance, and whole life insurance.

Sentinel Security Life doesn’t have as many life insurance policies, but it does have more annuity programs than Prosperity Life.

However, Prosperity Life provides more options on Medicare and healthcare supplement insurance.

Take a few minutes to think about what kind of insurance products would be most beneficial to you while you’re comparing Prosperity Life vs. Sentinel Security life insurance.

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How much are Prosperity Life vs. Sentinel Security life insurance rates?

You’ve probably wondered what it’s like to buy Prosperity Life vs. Sentinel Security life insurance.

Sentinel Security and Prosperity Life don’t have public life insurance rates. To get the most accurate quote, you’ll need to talk to an agent by phone or in person. However, we found sample burial insurance rates from both companies.

Let’s compare Prosperity Life and Sentinel Security rates by age and gender with a $10,000 policy limit.

Prosperity Life vs. Sentinel Security Non-Smoking Monthly Burial Insurance Rates by Age, Gender and $10K Policy Limit
Age of PolicyholdersProsperity Life Monthly Burial Insurance Rates for Females Prosperity Life Monthly Burial Insurance Rates for Males Sentinel Security Monthly Burial Insurance Rates for Females Sentinel Security Monthly Burial Insurance Rates for Males
40N/AN/A$19$23
45N/AN/A$20$25
50$29$35$23$28
55$30$38$27$34
60$36$46$34$42
65$44$58$42$54
70$59$80$53$70
75$80$114$76$97
80$98$148$108$147
85N/AN/AN/AN/A
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Sentinel Security may have fewer life insurance policies, but it does provide cheaper burial insurance rates for both male and female policyholders.

Overall, life insurance costs increase as you get older. Female policyholders usually pay less than males, and smokers pay nearly $20 more than non-smokers.

The Prosperity Life provider portal gives an agent a faster way to access your account online. Sentinel Security has an online agent login, too.

Do Prosperity Life and Sentinel Security life insurance have good financial ratings?

Neither company was featured in J.D. Power’s 2020 life insurance press release, but both have A.M. Best ratings.

Sentinel Security’s A.M. Best rating is “B++.” Meanwhile, Prosperity Life Group and its affiliates have an “A-.”

“A” ratings indicate a stable financial outlook and an excellent ability to meet obligations to customers.

The “A-” is a slightly better grade than the B++, and most of the best insurance providers do have “A” ratings.

Can you file Prosperity Life and Sentinel Security claims online?

Sentinel Security doesn’t allow you to submit a claim online, but you can find the claims forms on the website to get the process started.

Prosperity Life Group allows its customers to submit claims online. Once you’re on the Prosperity Life website, click “Start a Claim” and follow the instructions listed on the following webpage.

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

While Prosperity Life and Sentinel Security aren’t the best life insurance companies in the United States, they’re still reliable companies for burial insurance.

However, Prosperity Life appears to be better equipped to provide life insurance.

Now that you know more about Prosperity Life vs. Sentinel Security life insurance, use our free online quote tool to compare the best companies near you.