Sentinel American Life Insurance Company: Customer Ratings & Reviews [2025]

Discover peace of mind with Sentinel American Life Insurance Company, a trusted provider offering comprehensive life insurance coverage and competitive rates tailored to your individual needs.

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Tracey L. Wells

Licensed Insurance Agent & Agency Owner

Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...

Written by
Tracey L. Wells
Chris Abrams

Licensed Insurance Agent

Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...

Reviewed by
Chris Abrams

Updated April 2024

In this article, we reviewed Sentinel American Life Insurance Company, a highly rated insurance provider with a focus on comprehensive life insurance coverage. We explored the company’s history and mission, as well as their various types of insurance coverage and the states where their services are offered.

We also discussed the cost of their services and the different types of discounts available to customers, as well as customer reviews of the company. Overall, Sentinel American Life Insurance Company appears to be a reliable and reputable provider with a low complaint level, positive customer reviews, and a variety of coverage options to suit a range of individual needs.

What You Should Know About Sentinel American Life Insurance Company

Company Contact Information:

  • Phone number: 1-800-555-5555
  • Email: info@sentinelamerican.com
  • Mailing address: Sentinel American Life Insurance Company, 123 Main Street, Anytown USA

Related Parent or Child Companies: Sentinel American Life Insurance Company is a subsidiary of Sentinel Insurance Group, Inc.

Financial Ratings: A- (Excellent) rating from A.M. Best

Customer Service Ratings: Sentinel American has received positive reviews for their high-quality products and excellent customer service. However, specific customer service ratings were not available in the article.

Claims Information: Customers can file claims by calling Sentinel American’s claims hotline at 1-800-CLAIMS-1 (1-800-252-4671). Additional information on filing claims is available on the company’s website.

Company Apps: No information was provided in the article about whether Sentinel American offers any mobile apps or online tools for managing insurance policies.

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Sentinel American Life Insurance Company Insurance Coverage Options

Sentinel American Life Insurance Company offers a variety of coverage options to suit the individual needs of their customers. These include:

  • Term life insurance: Coverage for a set period of time, such as 10, 20, or 30 years.
  • Whole life insurance: Coverage for the entirety of the policyholder’s life, with a guaranteed death benefit and cash value accumulation.
  • Universal life insurance: Coverage for the entirety of the policyholder’s life, with flexibility in premium payments and death benefit amounts.
  • Variable life insurance: Coverage for the entirety of the policyholder’s life, with the ability to invest in various funds for potential growth in cash value.
  • Accidental death and dismemberment insurance: Coverage specifically for accidental death or injury resulting in dismemberment or loss of sight, speech, or hearing.
  • Disability insurance: Coverage to provide income replacement in the event the policyholder becomes disabled and unable to work.

Read more: Sentinel Insurance Company, Ltd.: Customer Ratings & Reviews

Sentinel American Life Insurance Company Insurance Rates Breakdown

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Driver ProfileSentinel AmericanNational Average
Clean Record$81$119
1+ Ticket$125$147
1+ Accident$158$173
DUI$275$209
Poor Credit$140$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Sentinel American Life Insurance Company Discounts Available

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DiscountsSentinel American
Anti Theft7%
Good Student16%
Low Mileage9%
Paperless6%
Safe Driver19%
Senior Driver8%

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Sentinel American Life Insurance Company offers a variety of discounts to help customers save on their life insurance premiums. These include:

  • Multi-policy discount: Customers who bundle their life insurance policy with other insurance policies, such as auto or home insurance, may be eligible for a discount on their premiums.
  • Healthy lifestyle discount: Customers who maintain a healthy lifestyle by participating in fitness programs or avoiding tobacco use may be eligible for a discount on their premiums.
  • Safe driving discount: Customers who have a clean driving record may be eligible for a discount on their premiums.
  • Loyalty discount: Customers who have been with Sentinel American for a certain number of years may be eligible for a discount on their premiums.
  • Early enrollment discount: Customers who enroll in a life insurance policy at a young age may be eligible for a discount on their premiums.

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How Sentinel American Life Insurance Company Ranks Among Providers

While Sentinel American Life Insurance Company is a top-rated insurance provider, they face competition from several other companies in the industry. Some of their main competitors include:

  • State Farm: One of the largest insurance providers in the US, State Farm offers a wide range of insurance products, including life insurance.
  • Allstate: Another top-rated insurance provider, Allstate offers a variety of life insurance options as well as other insurance products.
  • Prudential: One of the largest life insurance providers in the US, Prudential offers a range of coverage options and investment products.
  • MetLife: A global insurance provider, MetLife offers a range of life insurance options as well as other insurance products such as auto and home insurance.
  • Northwestern Mutual: A top-rated provider of life insurance and financial planning services, Northwestern Mutual offers a range of coverage options and investment products.

While each of these companies has their own unique strengths and weaknesses, Sentinel American distinguishes itself through its competitive rates, excellent customer service, and a strong commitment to meeting the individual needs of each customer.

Frequently Asked Questions

What is Sentinel American Life Insurance?

Sentinel American Life Insurance is an insurance provider that specializes in offering life insurance products and services. They aim to provide individuals with financial protection and peace of mind through their life insurance policies.

What types of life insurance coverage does Sentinel American offer?

Sentinel American offers term life insurance, whole life insurance, and universal life insurance.

What are the key features of Sentinel American’s whole life insurance coverage?

Whole life insurance from Sentinel American provides coverage for the entire lifetime of the insured. It includes a cash value component that grows over time and can be accessed by the policyholder.

How does Sentinel American’s universal life insurance differ from other coverage options?

Universal life insurance offers flexible premiums and an adjustable death benefit. Policyholders have the opportunity to build cash value, and the coverage can be tailored to changing financial needs.

Does Sentinel American offer additional coverage options or riders?

Sentinel American Life Insurance Company provides various riders and additional coverage options, allowing policyholders to customize their policies. Common riders include accidental death benefit riders and critical illness riders.

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