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 5, 2021

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Facts You Should Know

  • Great Western offers final expense insurance, pre-need funeral insurance, and group annuities.
  • Sentinel Security offers whole life insurance and multiple annuities.
  • Great Western has an A- rating with A.M. Best.

In comparing Great Western vs. Sentinel Security, it’s important to look at all of the factors. Along with available life insurance options, you need to know each company’s insurance rates, financial standing, and more.

It’s always in your best interest to learn as much as you can about each insurance company — like whether they offer term or permanent life insurance and how much their premiums are — before you make any commitments.

Read on to learn more about Great Western vs. Sentinel Security life insurance. Enter your ZIP code above to receive life insurance rates from top companies in your area.

Great Western vs. Sentinel Security: Which company has better products?

If you are looking for affordable Great Western vs. Sentinel Security life insurance, both companies have viable options for life insurance coverage.

Great Western Life Insurance Company, a part of Great Western Bank, offers final expense insurance, pre-need funeral insurance, and group annuities.

Great Western Final Expense Coverage

Great Western’s final expense insurance is meant to alleviate any burden an individual’s family might experience when they pass away, such as funeral costs or other unforeseen expenses.

The beneficiary of the policy decides how the money is used — a funeral home is not chosen ahead of time — and funds can go to unpaid bills, medical expenses, college tuition, and much more.

Great Western offers two whole life plans: Assurance Plus and Guaranteed Assurance.

Assurance Plus is designed for those in good health looking for additional value. If you can answer “no” to a few simple health questions, you will qualify for a 25 percent increase on the full death benefit starting on day one with no required medical exam.

Guaranteed Assurance provides coverage with absolutely no underwriting and no health questions to answer.

With the Guaranteed Assurance plan, if at any time a death occurs by accident as defined in the policy, the full death benefit will be paid. After the first two policy years, the full death benefit is paid regardless of how the death occurs.

Great Western Pre-Need Coverage

Pre-need insurance is coverage used to fund a funeral service agreement between you and a funeral home. You decide everything you want to be included in your service; the funeral home totals the costs.

You can either pay the amount in one installment or through a monthly premium. Upon your death, the funds are used to pay the funeral home.

Great Western Group Annuities

Great Western’s Group Annuity Funding Agreement (GAFA) offers a fixed interest rate asset accumulation product to fund both qualified and non-qualified benefit plans.

The GAFA offers extremely competitive interest rates and consistently credits rates based on the market at the time of purchase.

Sentinel Security New Vantage Insurance

The Sentinel Security Life Insurance Company offers whole life insurance coverage through its New Vantage plans.

New Vantage Life Insurance policies are available in three different tiers based on your health, allowing some individuals coverage that other insurance companies might have turned away.

Since all New Vantage policies are whole life policies, your premium will never go up and your benefits will never go down as long as premiums are paid on time.

New Vantage does not require medical exams, builds cash value and loan value over time, can be assigned via pre-need coverage to any desired funeral home, and allows for a full refund within the first 20 days of the policy.

Sentinel Security Life Annuities

Sentinel also offers annuities for existing policyholders, including:

  • Guaranteed Income
  • Retirement Plus Multiplier
  • Accumulation Protector Plus
  • Personal Choice
  • Personal Choice Plus
  • Summit Bonus Index

But how do its rates compare?

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How do Great Western vs. Sentinel Security life insurance rates compare?

Because Great Western and Sentinel Security offer different products, the policy you choose will likely depend more on the coverage you need than the rates either is charging.

Let’s take a look at Great Western vs. Sentinel Security life insurance quotes. A sample of Great Western’s guaranteed issue life insurance policy rates for men is below.

Great Western GI Sample Average Monthly Rates by Age (Males)
AgeAverage Monthly Rates for $5,000 Policy Average Monthly Rates for $10,000 Policy Average Monthly Rates for $15,000 Policy Average Monthly Rates for $25,000 Policy Average Monthly Rates for $40,000 Policy
45$29.17$55.42$81.67$134.70$212.92
50$31.25$59.58$87.92$144.58$229.58
55$33.75$64.58$95.42$157.08$249.58
60$39.17$75.42$111.67$184.17$292.92
65$47.50$92.08$136.67$225.83$359.58
70$61.25$119.58$177.92$294.58$469.58
75$80.83$158.75$236.67$392.50$626.25
80$115.42$227.92$340.42$565.42$902.91
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These rates represent an average of what you would be paying as a man based on both your age and the policy amount you would like to purchase.

Now, view the sample table of Great Western’s guaranteed issue life insurance policy rates for women.

Great Western GI Sample Average Monthly Rates by Age (Females)
AgeAverage Monthly Rates for $5,000 PolicyAverage Monthly Rates for $10,000 PolicyAverage Monthly Rates for $15,000 PolicyAverage Monthly Rates for $25,000 PolicyAverage Monthly Rates for $40,000 Policy
45$24.58$46.25$67.92$111.25$176.25
50$26.25$49.58$72.92$119.58$189.58
55$29.58$56.25$82.92$136.25$216.25
60$34.58$66.25$97.92$161.25$256.25
65$41.67$80.42$119.17$196.67$312.92
70$52.50$102.08$151.67$250.83$399.58
75$70.83$138.75$206.67$342.50$546.25
80$96.67$190.42$284.17$471.67$752.91
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Again, while these numbers are simply samples, they indicate the amount you could expect to pay as a woman with a Great Western GI plan, depending on your age and the amount of coverage you desire.

While Sentinel’s life insurance rates are not as clear, a sample of monthly life insurance rates for a whole life policy from competitors is below.

$30,000 Whole Life Insurance Average Monthly Rates by Age and Company for Men
CompanyAge 50 Average Monthly RatesAge 60 Average Monthly RatesAge 70 Average Monthly RatesAge 80 Average Monthly Rates
Assurity$82.06$120.55$214.75$462.30
Mutual of Omaha$81.06$121.86$214.69$391.56
Americo$88.59$123.44$211.19$429.36
Liberty Bankers Life$82.27$128.14$210.67$431.14
Phoenix$82.17$121.53$209.94$432.47
American-Amicable$87.12$132.00$224.43$448.80
United Home Life$84.35$125.38$215.19$407.10
Settlers$94.35$135.92$218.54$461.81
Transamerica$85.04$124.29$216.83NA
Foresters$89.70$129.26$212.42$433.91
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Again, these numbers show what competitors will typically charge in monthly premiums.

While Great Western vs. Sentinel Security life insurance companies both offer competitive rates, Sentinel’s rates are likely similar to those in the chart above.

Great Western vs. Sentinel Security Financial Ratings

The Great Western Insurance Company has received an A- rating from A.M. Best. This is considered excellent and suggests that Great Western is a very strong company with impeccable risk management.

A.M. Best has also rated Sentinel Security’s financial standing, though Sentinel scored lower with a B++ (good) score. This means that, with regard to financial ratings and standings, Great Western is the better choice.

Great Western vs. Sentinel Security: The Bottom Line

So which company is right for you when it comes to life insurance coverage? The question is one only you can answer, and it’s based on your own unique needs.

If you want to focus on pre-need coverage, Great Western is likely the better option for you and your family. But if you want a whole life policy with the possibility of annuities, Sentinel may be a better fit.

Great Western is a better option based on financial ratings, but Sentinel rates may be lower depending on your age, gender, and health status.

Ultimately, before you decide to buy Great Western vs. Sentinel Security life insurance, you should examine several companies before narrowing down your options to just two competitors.

Hopefully, this comparison of Great Western vs. Sentinel Security life insurance was helpful. Enter your ZIP code below to get free life insurance quotes from top companies.