Unity Calculator vs Sepio Guard
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Unity Calculator
This application calculates premium payments for insurance products, including split or down payments. It provides a total for scheduled payments over the policy's life and enforces business rules for accurate submissions. Designed exclusively for Pre-Need products.
- Calculates premium payments
- Handles split or down payments
- Provides total scheduled payments
- Enforces business rules
- Supports Pre-Need products
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The Unity Rate Calculator app calculates premium payments for Standard and Enterprise products, as well as values for any split or “down payments.” The app provides a total for scheduled premium payments over the life of the policy and accommodates business rules to ensure submissions are made in good order. This app is designed for Pre-Need products only.
Sepio Guard
This business application streamlines processes by eliminating the need for paperwork. Its intuitive design ensures ease of use for all technical skill levels, offering a paperless workflow for various tasks.
- Intuitive and clear design
- Paperless workflow
- Easy form flow
- No mess
- Streamlined processes
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Sepio Guard’s app has been designed to be intuitive and clear, not matter what your technical experience is. Using this app will mean no paperwork and no mess in the entire pipeline. Trust us that once you learn the easy form flow we’ve created, you won’t ever want to go back to filling out paper forms.
Screenshots
Verdict
The clearest difference is ratings volume: Sepio Guard at 6 against Unity Calculator's 2. On price, rating, update cadence and ads there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 5.0 for Unity Calculator against 5.0 for Sepio Guard. Both are backed by a comparable volume of ratings — 2 and 6 respectively.
Unity Calculator ships an update every 3 months, Sepio Guard every 2 months. The most recent releases landed on October 1, 2026 and September 23, 2026 respectively.
| Parameter | Unity Calculator | Sepio Guard |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (2 ratings) | 5.0 (6 ratings) |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | 2 | 6 — better |
| Update frequency | Every 3 months | Every 2 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 13.0 — better | 13.4 |
| Further details — not scored | ||
| Size | 19 MB | 34 MB |
| Age rating | 4+ | 4+ |
| Developer | Unity Financial Life Insurance Company, LLC | Sepio, LLC |
Customer experience
Unity Calculator
Sepio Guard
In-app purchases
Unity Calculator
No in-app purchases
Sepio Guard
No in-app purchases
Questions
Is Unity Calculator free?
Is Sepio Guard free?
Which has better reviews, Unity Calculator or Sepio Guard?
Do Unity Calculator or Sepio Guard have ads?
Which is updated more often, Unity Calculator or Sepio Guard?
Other comparisons
