Liberty National life insurance review

Liberty National life insurance rates

The premiums vary between states, products and rate classes, with the best rates reserved for young, healthy non-smokers. The insurer doesn’t disclose its rates online, so you’ll need to contact a local agent to get an idea of how much you’ll pay.

How to get a quote from Liberty National life insurance

To apply for coverage, you’ll need to contact a local agent. To do this:

1. Go to the Liberty National website. To find a local agent, type in your ZIP code and click Search.
2. A list of agents in your state will pop up, along with their contact details.

If you can’t find an agent near you, call the main office on 800-333-0637 weekdays 7.30 a.m. to 5 p.m. CT, or email service@libertynational.com.

I’ve signed up. What happens next?

You’ll be assigned to an agent, who will answer your questions and talk you through the next steps. If you’re eligible for a policy, you’ll be able to apply over the phone.

Once your policy has been approved, create an online account on Liberty National’s eService Center to review your policy, update your details, and make online payments.

What types of life insurance coverage does Liberty National offer?

Liberty National sells life insurance through a network of local, state-licensed professionals. It offers term and whole life policies, as well as accident insurance.

• Term life. These policies provide protection for a set period of time — usually 10, 15, 20, 25, and 30 years. Unlike most providers, Liberty National doesn’t disclose these details online. To find out more, you’ll need to discuss your requirements with a local agent.
• Whole life. Whole life insurance offers lifelong coverage, and a portion of each premium is invested to give your policy a cash value. The premiums stay the same for the life of the policy. Once you’ve accumulated enough cash value, you can take out loans against your policy during your lifetime.
• Accident insurance. The insurer has two accident policies:
  • Accident Protector Max kicks in to cover losses linked to a covered accident. It doesn’t account for injury or loss as a result of sickness.
  • Accidental Death pays out a death benefit if you die in an accident before the age of 75. The premiums stay level, and you can’t purchase coverage past the age of 75.

What riders can I add to my policy?

The insurer isn’t transparent about its riders on the site, but it does mention a waiver-of-premium rider, which allows you to waive your premiums if you suffer a disability, critical illness or injury.

Liberty National life insurance reviews and complaints

Liberty National has been accredited with the Better Business Bureau since 1952, and has an A+ rating for its customer service and interaction. From customers, it’s earned two stars based on 19 reviews, and most of the complaints relate to group life insurance. Interestingly, many of the reviews are from agents and employees. Speaking of complaints, the BBB has recorded 38 in the last three years, which is fairly low for a life insurance company.

Compare life insurance companies like Liberty National

More about Liberty National

Liberty National Life Insurance Company is a subsidiary of the Torchmark Corporation and has been in the biz since 1900. Headquartered in McKinney, Texas, it specializes in life insurance and supplemental health insurance for employers and individuals. It operates via a network of licensed agents throughout the US.

Over the years, Liberty National has acquired a bunch of companies, including the United American Insurance Company of Dallas, Continental Investment Corporation and Brown Service Insurance Company.

For over 40 years, the provider has maintained an A+ (Superior) rating from AM Best, which points to its financial strength and ability to pay claims.

The company is committed to giving back with Closer to the Heart, a humanitarian project that offers financial support to the communities where its employees live and work. In 2014, its donations topped $220,000. Liberty National also donates to disaster relief efforts, such as Convoy of Hope.

However, if you don’t want to pick up the phone to apply for a policy, explore your options by comparing life insurance providers.

Frequently asked questions about Liberty National life insurance

• How do I file a claim with Liberty National?

  The process varies slightly depending on the age of the policy.

  If the life insurance policy is less than two years old, follow these steps:

  1. Go to the Liberty National website. Scroll down and click Claim Forms.
  2. Print out and complete the Claimant Statement Form, Statement of Physician Form and HIPAA Release Form.
  3. Mail the forms along with a certified death certificate and any other supporting documents to this address:
     Liberty National Life Insurance Company
     Insurance Services Division
     PO Box 8066
     McKinney, TX 75070

  The provider will review the claim and either process it or contact you for more information.

  If the policy is more than two years old, it’s “incontestable” and the process is quicker. Just fill out the Claimant Statement and send it to the same mailing address with any supporting documents.

• I have questions about a claim. Who should I contact?

  You can call the claims department on 205-325-4979 from weekdays 7:30 a.m. to 5 p.m. CT.

• Once my claim has been processed, how long will it take to get the funds?

  As the beneficiary, you should receive a check within 10 to 15 business days.

• How can I get in touch with Liberty National?

  If you’re a policyholder, your best bet is to contact your local agent directly. Otherwise, there are a few ways to reach the customer service team:

  • • Phone. Dial 800-333-0637 from weekdays 7:30 a.m. to 5 p.m. CT.
    • Email. Send a message to service@libertynational.com, or fill out the form on the Contact Us page.
    • Social media. Chat via Facebook Messenger. The team is most responsive on weekdays between 7:30 a.m. and 4:30 p.m. CT.

• Does Liberty National offer other types of insurance?

  Yes. It sells supplemental health insurance.

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