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 19, 2021

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The Facts of Life

  • Royal Neighbors of America is a woman-led organization with term and permanent life insurance solutions
  • Sentinel Security Life has cheaper burial insurance rates but has a low A.M. Best rating
  • Agents can use an online login to review life insurance accounts

Now that you’ve narrowed your shopping list to affordable Royal Neighbors vs. Sentinel Security life insurance, it’s time to compare both providers.

Comparing Royal Neighbors vs. Sentinel Security life insurance can be complicated because both companies have private quotes. So how do you match up Royal Neighbors vs. Sentinel Security life insurance quotes?

Don’t worry – we’re here to help. Our guide explains everything you need to know about Royal Neighbors vs. Sentinel Security final expense burial insurance rates, insurance products, and third-party ratings.

Continue reading to learn more about Royal Neighbors vs. Sentinel Security life insurance. Enter your ZIP code in the free comparison tool above to compare multiple companies in your local area.

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

Royal Neighbors of America has more life insurance coverage options, including three whole life insurance policies and one term life insurance policy.

On the other hand, Sentinel Security Life Insurance Company only carries burial insurance. Sentinel Security also has a slight advantage with its Medicare supplement and health insurance policies.

Before you buy Royal Neighbors vs. Sentinel Security life insurance, compare life insurance policies at both companies. This will ensure that you get what you need.

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How much is Royal Neighbors vs. Sentinel Security life insurance rates?

Life insurance rates at both companies are private, which means the most accurate life insurance premiums will come from agents. However, we found burial life insurance premiums.

Let’s compare burial insurance from both companies and see which is cheaper.

Royal Neighbors vs. Sentinel Security Average Monthly Burial Insurance Rates by Age, Gender, and $10K Policy Limit
Age of PolicyholdersRoyal Neighbors Monthly Burial Insurance Rates for Non-Smoking Females Royal Neighbors Monthly Burial Insurance Rates for Non-Smoking MalesSentinel Security Monthly Burial Insurance Rates for Non-Smoking Females Sentinel Security Monthly Burial Insurance Rates for Non-Smoking Males
40N/AN/A$19$23
45N/AN/A$20$25
50$34$40$23$28
55$38$46$27$34
60$38$50$34$42
65$45$59$42$54
70$56$75$53$70
75$80$110$76$97
80$110$154$108$147
85$149$213N/AN/A
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Sentinel Security life insurance is more affordable, and it provides burial insurance for people as young as 40 years old. However, it doesn’t offer burial insurance coverage for people older than 80 years old.

Smokers pay more for life insurance and burial insurance. Why? The life expectancy of smokers is statistically lower, so life insurance companies issue higher rates to them.

Do Royal Neighbors of America and Sentinel Security Life Insurance Company have good financial strength ratings?

Sentinel Security life insurance has a “B++” rating under A.M. Best. It’s a good rating, but compared to the best life insurance companies, it’s low.

Companies like Mutual of Omaha, Liberty Bankers Life, Prosperity Life, and Royal Neighbors of America all have ratings in the “A” range.

According to A.M. Best, Royal Neighbors has improved its A.M. Best rating from “A-” to “A.” Royal Neighbors life insurance has a stronger financial outlook and an excellent ability to meet all of its obligations to customers.

Can you file a claim online at Royal Neighbors and Sentinel Security?

The short answer is yes. Royal Neighbors of America’s website has a link at the bottom right of the webpage that allows you to file a claim. Click the “File a Claim” link and follow the instructions on the following website.

Agents can use the Royal Neighbors agent login to help manage customer accounts and process claims faster.

Sentinel Security doesn’t have a link that allows you to file a claim online, but there are forms customers can download that involve filing claims.

A Sentinel Security agent may ask you to download and fill out one or more of those forms to file a claim.

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

Sentinel Security carries a less expensive burial insurance rate for younger policyholders, but Royal Neighbors performs better with finances and customers.

Also, Royal Neighbors of America has more life insurance opportunities to make up for its lack of healthcare supplement insurance absence.

Now that you’ve seen how to compare Royal Neighbors vs. Sentinel Security life insurance, try using our free online quote tool to compare the top companies near you and secure affordable life insurance today.