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Sentinel Life

Sentinel Security Life final expense line is New Vantage. The final expense can be sold face-to-face with a paper application, and e-application, or over the phone with a voice signature. 


The e-application has built-in rate calculator that will auto-generate premiums, telephone signature, e-signature, and real-time underwriting.


Voice signatures are done through Apptical.


Sentinel has a modified plan in NC which many companies do not offer in this state.


Sentinel Life is very competitive with male smokers. Sentinel also has their Vantage II product for customers with Hepatitis.

New Vantage Life is available in AL, AZ, CA, CO, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MS, MN, MD, MT, NE, NV, NM, NC, ND, OH, OK, OR, PA, RI, SC, TX, UT, WY

Final Expense:
Personal Choice Annuity:

New Vantage I: Day 1 Coverage

Single Premium Ages 20 to 76

Monthly Premium Ages 0 to 85

10-Pay Premium Ages 0 to 75

20-Pay Premium Ages 0 to 65

Paid Up 65 Ages 0 to 55

Paid Up 85 Ages 0 to 65


Miniumum Payment $10.00

Maximum Coverage Amounts:

Ages 0 to 75 $35,000

Ages 76 to 80 $25,000

Ages 81 to 85 $15,000


Riders Available:


Child Protection

Waiver of Premium


New Vantage II: 3-Year Modified Plan 30/70

Ages 45 to 85

Minimum Face Amount $2,000 Single Premium

Minimum Face Amount $1,000 all other payment methods.

Maximum Face Amounts:

Ages 45 to 80 $20,000

Ages 81 to 85 $15,000

ADR included at no cost for first 2 Years


New Vantage III:

Ages 45-85

Up to $15,000

Years 1 & 2 ROP + 10% annual interest

ADR included in first 2 years at no additional cost.

3-Year Modified with but with 10% ROP the 1st and 2nd Years. 3rd Year full coverage.


Personal Choice Annuity

Issue Ages/Maturity 0 to 90

Option of 5,7, or 10 year Terms

Qualified or Non-Qualified

$2,500 to $1 Million

Summit Bonus Index

Features Fixed Accounts

Annual Point To Point

Monthly Averaging

Monthly Sum

Daily Averaging

Income Riders and Settlement Options available with both options.

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