Life Insurance is one of the most important decisions you have to make in your life. If you are reading this you probably came to the realization that you need life insurance because you either want to protect your family financially or want to have an income replacement for your spouse. You probably stumbled across this article because you are looking for an honest review of Sentinel Insurance Company. Look no further you have come to the right place! Here at InsureChance, we provide honest, informative, and unbiased reviews because we believe that you deserve to know the truth without being swayed one way or the other. In this article, we will be discussing Sentinel Insurance Company, we will provide you our honest review with an accurate rating, and of course their life insurance products with highlights. The following are some key points from this article;

1. Sentinel Insurance Company was founded in 1948 by a group of Utah funeral directors for the purpose of providing the public with an insurance product designed to help pay funeral costs at the time of need. When they began their business they were called Sentinel Mutual Insurance Company.
2. Sentinel Insurance Company offers a whole life insurance policy and final expense insurance.
3. According to A.M Best, they have been rated a “B++” or good. 
4. Ratings are important for consumers to know because it gives them a good idea of their financial stability. It’s good for you, the consumer, to know whether a company is financially stable or not because you want to make sure the company will be around long enough for your policy to pay out.
5. New Vantage Life is a whole life insurance policy.Whole life insurance is a form of permanent life insurance and provides coverage for, you guessed it, your WHOLE life!This policy doesn’t require a medical exam.Their underwriting process is minimal and their application can be completed by answering a few “Yes/No” health questions over the phone. 
6. Final expense insurance is a form of life insurance but is used to cover the costs of things specifically associated with your death. This could include medical bills, but what is most important your funeral and burial costs. It includes services, items like a casket and hearse, or even cremation if that’s your preferred route. 
7. Whether you choose to buy coverage from Sentinel Insurance Company or not you should still shop around for quotes. Shopping around for quotes will give you an opportunity to know that you are getting the best deal around because all insurance companies offer different rates and you should compare those quotes. If you have 30 seconds you should go below this article and see for yourself what top rated companies have to offer just by simply filling out our quote engine!

About Sentinel Insurance Company

Sentinel Insurance Company was founded in 1948 by a group of Utah funeral directors for the purpose of providing the public with an insurance product designed to help pay funeral costs at the time of need. When they began their business they were called Sentinel Mutual Insurance Company. The Articles of Incorporation were amended to change the Company to a capital stock insurer and the name was changed to Sentinel Insurance Company in 1954. In 1962, Uinta National Insurance Company of Utah and United Reserve Life company of Montana in 1962. Three years later the company acquired National Mutual Insurance Company of Utah.

Sentinel Insurance Company 2017 Review

Since the inception of Sentinel Insurance Company, they have managed to keep their goal throughout their history and that has been to provide the best possible insurance products and services to their clients. They take great pride in their prompt service and have paid many claims the same day they have been received. Sentinel Insurance Company offers a whole life insurance policy and final expense insurance. According to A.M Best, they have been rated a “B++” or good.

Why a company’s rating matters

Ratings are important for consumers to know because it gives them a good idea of their financial stability. It’s good for you, the consumer, to know whether a company is financially stable or not because you want to make sure the company will be around long enough for your policy to pay out. Ratings are not made up for jokes and giggles, there is a process these rating agencies go through to develop their rating. The company has to first seek out the help of the rating agency they choose to work with and sign a contract with them in order to allow them to go through the company’s financials and plans. Once the rating agency thoroughly investigates the company’s financials and plans then they present the recommended rating to their board and vote on whether or not the rating is a fair rating for the company to receive. After the vote then the rating is posted on the agency’s website and sent to the company.

If a company has a good rating it means that they are financially stable and if anything happens to their environment they would be perfectly fine. However, if a company has a bad rating it not only shows their instability with their financials but it also means they are vulnerable in their environment so if anything were to happen in their environment they wouldn’t know how to react. Plus they may not even be around in another 5 years or so and you don’t want to invest into a company that would just pick up and leave because not only will your policy be gone with the wind but so will all the premiums you have paid until that day. Moral of all this, just take a couple minutes of your day and check out a company’s rating.

Sentinel Insurance Company Product Offerings

Like we mentioned before, Sentinel Insurance Company offers two kinds of life insurance, whole life insurance, and final expense insurance.

New Vantage Life Insurance

• New Vantage Life is a whole life insurance policy.
• Whole life insurance is a form of permanent life insurance and provides coverage for, you guessed it, your WHOLE life!
• This policy doesn’t require a medical exam.
• Their underwriting process is minimal and their application can be completed by answering a few “Yes/No” health questions over the phone.
• Your rates will never increase and your benefits will never decrease as long as your premiums are paid on time with this policy.
• Just like every permanent life insurance policy, this one offers the opportunity to build cash value.
• You can access this cash value at any time through loans.
• You can cancel this policy within 20 days of receiving it with a full premium refund if you are not 100% satisfied.

Final Expense Insurance

• Final expense insurance is a form of life insurance but is used to cover the costs of things specifically associated with your death.
• This could include medical bills, but what is most important your funeral and burial costs.
• It includes services, items like a casket and hearse, or even cremation if that’s your preferred route.
• Final expense insurance is a type of permanent life insurance is doesn’t expire but is more expensive than a term life insurance policy.

Work with us!

Whether you choose to buy coverage from Sentinel Insurance Company or not you should still shop around for quotes. Shopping around for quotes will give you an opportunity to know that you are getting the best deal around because all insurance companies offer different rates and you should compare those quotes. If you have 30 seconds you should go below this article and see for yourself what top rated companies have to offer just by simply filling out our quote engine! Not only will you have an idea of what other top rated companies have to offer but you will also be able to compare them at the same time! Or you can always take advantage of our free service and let us do all the shopping around for you. Not only will we not give up looking for the best life insurance company for you but we will also fill out the necessary application to get you covered. We are an independent life insurance agency who work with 60 top rated companies and have zero ties with any of them because our loyalty is reserved for our clients and our clients only.

If you have a medical condition, you should definitely work with us because we specialize in high-risk clients. Not only that but you may get rejected by the wrong company or rated up like crazy. Let’s say you’re diabetic, you should be looking for a life insurance company who specializes in diabetes because if you purchase coverage from a company who specializes in sleep apnea, you will get rated up like crazy. This is because that company doesn’t understand your condition, they only understand sleep apnea and since they don’t understand your condition you will get rated up. Finding a company whose niche is diabetes is really the best way to go, and we know these kinds of things. Every life insurance company have their own niche and we use those niches to our clients’ advantage. Also, keep in mind that quotes below or anywhere else will not be exactly as shown because if you have a health condition you will get a different health rating than those who don’t have any health conditions.

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