Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 13, 2021

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Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Facts You Should Know

  • Gerber Life insurance company offers policies for every age, from infancy to adulthood
  • Sentinel Security specializes in final expense and pre-need life insurance policies
  • Gerber Life has the higher A.M. Best score of A
  • Sentinel Security has an A.M. Best score of B++

If you’re looking for permanent life insurance and want to compare Gerber Life vs. Sentinel Security, we’re here to help.

In this article, we’ll go over the different products each company offers and who they’re designed for, and we’ll also take a look at their prices.

Before jumping into this Gerber Life vs. Sentinel Security review, enter your ZIP code above and we will help expand your search.

Comparing Gerber Life vs. Sentinel Security

Gerber Life and Sentinel Security Life both offer whole life insurance products to their clients, but their policies are designed to do very different things.

Gerber Life offers whole life insurance designed for young adults and seniors. There are two different policies available to suit these very different demographics.

In addition to the whole life policies, Gerber Life also offers term life insurance and another whole life policy for children and teens.

Sentinel Security is focused on seniors; all three of its policies are designed for those looking for final expense whole life insurance.

Each of the three policy types is based on the policyholder’s health, starting with the healthiest being eligible for the most affordable policy and continuing to grow more expensive in plans for those with more health conditions or complications.

Both companies offer easy applications online. However, Gerber Life offers higher coverage with its whole life policies for adults, with a maximum of $300,000, while Sentinel Security offers a maximum of $35,000.

This is because Sentinel Security insurance is designed to be final expense insurance. It is meant to pay for remaining debts or funeral costs rather than covering large medical debts or leaving something behind for family members.

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Who is more affordable, Gerber Life vs. Sentinel Security?

Because Gerber Life and Sentinel Security offer very different coverage amounts, it can be difficult to compare Gerber Life vs. Sentinel Security life insurance quotes.

However, Gerber Life also offers a guaranteed life insurance policy similar to the Vantage Life Insurance plan offered with Sentinel Security.

Both are whole life insurance policies designed for seniors looking for final expense coverage.

Gerber Life Guaranteed vs. Sentinel Security Final Expense Average Monthly Rates by Coverage Level
Coverage LevelGerber Life Guaranteed Plan Average Monthly RatesSentinel Security Final Expense Whole Life Plan Average Monthly Rates
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As you can see, comparing these two has Gerber Life coming in as considerably more expensive than Sentinel Security.

Keep in mind that guaranteed life insurance rates are traditionally designed for those with health issues, and consequently they will be higher.

Take a look at Gerber’s whole life insurance policy, which is not specifically for seniors or those with health conditions, in the graph below.

Gerber Life Guaranteed Whole Life Insurance Average Monthly Rates by Policy
$50,000 Policy Average Monthly Rates$100,000 Policy Average Monthly Rates$150,000 Policy Average Monthly Rates
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While these rates are higher, the coverage offered is also higher. This is because whole life insurance policies are designed to cover more than just final expenses.

This policy is meant to cover large debts or to leave money behind to loved ones in addition to paying for final expenses like a funeral, burial, etc.

When stacking up Gerber Life vs. Sentinel Security life insurance rates, Sentinel Security is the more affordable option for final expense insurance. However, if you want more coverage, Gerber Life offers affordable rates for seniors looking for whole life insurance policies.

What types of coverage does Gerber Life offer?

Gerber Life offers both term and permanent life insurance policies for children, teens, adults, and seniors. We’ll go over each of those policies by age group.

Children and Teens

Gerber Life offers two whole life insurance plans for children and teens. The Gerber Grow-Up Plan is designed for infants and children up to age 14. The Young Adult Plan is for teens ages 15 to 17.

Both policies offer very low rates that are locked in for the remainder of the child’s life, starting at less than $5 per month.

The policies offer initial coverage of up to $50,000, and this coverage doubles automatically when the child turns 18.


Read on to learn more about life insurance options for adults that are available from Gerber Life.

Term Life Insurance

Gerber Life term life insurance offers coverage of up to $300,000 with terms varying from 10 to 30 years. The premiums start as low as $15.42 per month and are locked in at the time of approval.

Whole Life Insurance

Gerber’s whole life insurance offers coverage of up to $300,000 with rates starting as low as $34.13 per month. The plan offers level premiums that don’t change over time and often no medical exam is required for approval.

This policy accrues a cash value over time and can be borrowed against if needed.

Accident Protection Insurance

Accident Protection insurance guarantees approval for all who apply and offers up to $100,000 in coverage.

The policy accrues cash value over time and can be borrowed against and has very affordable rates starting at less than $5 per month.


There are even some options for seniors from Gerber Life. Read on to learn more.

Guaranteed Life Insurance

The Gerber guaranteed life insurance policy approves all who apply for it and offers coverage of up to $25,000. This policy is designed as final expense coverage for those ages 50 to 80.

What types of coverage does Sentinel Security offer?

Sentinel Security life insurance offers three whole life insurance policies. Each of the three policies is designed for a different customer based on their health.

New Vantage plans offer a maximum of $35,000 in coverage, but the coverage amount offered will be based on your individual application.

Each New Vantage policy can be connected with the funeral home of your choice, so you can preplan as well as pre-fund your final expenses directly.

They each come with a memorial guide as well, so your final wishes are easily conveyed to your family in a single package that will make their lives easier at a difficult time.

New Vantage I

This plan offers the most affordable rates of the three plans. To be approved, you must be in good health. The policy provides immediate coverage once it’s issued and the rates remain level.

New Vantage II

This is the intermediate New Vantage plan, with slightly more expensive premiums and designed for seniors with minor health issues.

This policy has a modified benefit plan. It pays 30 percent of the benefit if the policyholder passes within the first year of the policy and 70 percent if the policyholder passes in the second year. In the third year and beyond, the full benefit will be paid.

New Vantage III

The New Vantage III is made for those with more severe health conditions. While it is affordable, it is the most expensive of the three policies.

New Vantage III also has a modified benefit plan. It pays back all paid premiums plus 10 percent should the policyholder pass within the first two years.

The full death benefit is paid if the policyholder passes in the third year or later.

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When deciding to buy Gerber Life vs. Sentinel Security life insurance, first check to make sure the company does business in your state.

Sentinel Security

Sentinel Security is not currently licensed in all 50 states. Here is a list of states where this company does not offer its products:

  • Alaska
  • Connecticut
  • Maine
  • Massachusetts
  • Missouri
  • Michigan
  • New Hampshire
  • New Jersey
  • New York
  • West Virginia
  • Wisconsin
  • Virginia
  • Vermont

If Sentinel Security is not available where you live, you can either go with Gerber Life or use our free quote tool to find another life insurance company near you.

Gerber Life

Gerber Life is licensed in all 50 states. However, not all products are available in every state. The company’s whole life insurance policy and guaranteed life insurance policy are currently not available in New York State.

What is Gerber Life?

Gerber Life insurance is the life insurance branch of the larger Gerber brand, synonymous with baby food and clothes.

Gerber Life was started in 1967 and currently has an A.M. Best rating of A with a stable financial outlook.

The company was designed to cater to families, with its line of products focused on each stage of life — from infancy to retirement and everything in between.

According to the National Associate of Insurance Commissioners (NAIC), Gerber Life has very few complaints, with a complaint index score of 0.44. This suggests overall customer satisfaction in the past year.

Who is Sentinel Security?

Sentinel Security life insurance company was founded in 1948 by a group of funeral directors looking to make funeral arrangements more affordable to their community.

Today, Sentinel Security holds an A.M. Best rating of B++, which is good, and a stable financial outlook.

The company has remained focused on its mission of affordable final expenses with three whole life insurance policies designed to cover them.

In addition, Sentinel has several annuities and medicare supplement coverage policies.

Currently, the company holds a very low complaint index score with the NAIC of  0.07. This is an excellent score and indicates very few complaints filed with the NAIC in the past year.

Now that you’ve finished reading about Gerber Life vs. Sentinel Security, enter your ZIP code below and we’ll show you other life insurance rates available in your area.