Estate planning at Sentinel Security Life
How to protect 13 Sentinel Security Life accounts — manage beneficiaries by phone, fund a trust by mail, and file death claims
Sentinel Security Life Customer Service
Sentinel Security Life Insurance Company, c/o WeWork - Gateway 6, 460 West 50 North, Suite 05-109, Salt Lake City, UT 84101
Sentinel Security Life Customer Service
Sentinel Security Life Insurance Company, c/o WeWork - Gateway 6, 460 West 50 North, Suite 05-109, Salt Lake City, UT 84101
Claims Department
Sentinel Security Life Insurance Company, Life & Health: PO Box 64453, St Paul, MN 55164-0453; Annuities: PO Box 64435, St Paul, MN 55164-0435
With 13 products relevant to estate planning, Sentinel Security Life policyholders need to understand how beneficiary designations control where proceeds go. These designations override a will, so the names on file with Sentinel Security Life are what determine who receives the death benefit.
Beneficiary changes at Sentinel Security Life can be made by mail and by phone. Accounts can also be linked to trusts through beneficiary designations to keep them out of probate entirely.
Sentinel Security Life has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries by phone, fund a trust by mail, and review 13 account types at Sentinel Security Life.
View details →When someone dies
Death claim process
5-step process, 5 required documents, and contact information for survivors.
View details →Sentinel Security Life is not available nationwide. Estate planning procedures may vary by state, so confirm that your location is served before making account changes.
Frequently asked questions
In December 2024, the Utah Insurance Commissioner ordered Sentinel Security Life and affiliated companies under Advantage Capital Holdings (A-Cap) to halt new business due to financial concerns identified during a regulatory examination. Existing policies remain in force and continue to be serviced by Illumifin (the third-party administrator). In April 2025, the Utah Insurance Department paused its litigation effort and the parties entered mediation. On May 23, 2025, the Utah court dismissed the rehabilitation petition against Sentinel Security Life. Separately, Oaktree announced a deal to acquire a controlling stake in affiliated Atlantic Coast Life and provide capital to Sentinel Security Life. Contact Sentinel Security Life at (800) 247-1423 for the latest information on your policy or contract.
Call the main customer service line at (800) 247-1423. Policy service is administered by Illumifin. For annuity policy service, email AnnuityPolicyService@illumifin.com or mail to PO Box 64435, St Paul, MN 55164-0435. For life and health policy service, email LifeAndHealthPolicyService@illumifin.com or mail to PO Box 64453, St Paul, MN 55164-0453. The home office is located at c/o WeWork - Gateway 6, 460 West 50 North, Suite 05-109, Salt Lake City, UT 84101. Fax: (888) 433-4795.
The Accumulation Protector Plus (APP) is a fixed indexed annuity designed to accumulate wealth while protecting principal against market downturns. It features a 10% premium bonus, eleven crediting strategies across Fixed and Indexed Accounts linked to three indices (including the CS Momentum Index and CS Diversified Macro 5 Index), and a 10-year guarantee of participation rates. Principal is guaranteed not to decrease due to market performance. Penalty-free withdrawals of 5% of Account Value are available from year two (10% with the Rate Enhancement Rider). The optional Rate Enhancement Rider includes a 110% Return of Premium Guarantee if held to year 10. Annuity payments may begin in year five in most states.
Sources
Data sourced from Sentinel Security Life primary sources (16 pages reviewed). How we research.
Sentinel Security Life Customer Service
Sentinel Security Life Insurance Company, c/o WeWork - Gateway 6, 460 West 50 North, Suite 05-109, Salt Lake City, UT 84101
Sentinel Security Life Customer Service
Sentinel Security Life Insurance Company, c/o WeWork - Gateway 6, 460 West 50 North, Suite 05-109, Salt Lake City, UT 84101
Claims Department
Sentinel Security Life Insurance Company, Life & Health: PO Box 64453, St Paul, MN 55164-0453; Annuities: PO Box 64435, St Paul, MN 55164-0435
Estate planning articles
Learn how to protect your Sentinel Security Life accounts and other assets with trusts, beneficiary designations, and estate planning documents.
