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Liberty National life insurance review 2020

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This traditional insurer relies on a network of local agents to sell simple life insurance policies.'s rating: 3.5 / 5


  • Get a quote if… You live in a state that has local agents and don’t mind picking up the phone.
  • Choose a different provider if… You want to apply online now, or would prefer a more tech-savvy insurance company.

18 to 80

Issue Age

Not listed to Not listed


Not listed

Medical Exam Required


Free quote No
Monthly cost Not listed
Policies Term, Whole, Accident insurance
Coverage maximum Not listed
Term lengths 10, 15, 20, 25, and 30 years
Riders Waiver-of-premium rider
Medical exam required Not listed
Available states Not listed
Issue age Not listed

Expert review

Katia Iervasi

Review by

Katia Iervasi is a staff writer who hails from Australia and now calls New York home. Her writing and analysis has been featured on sites like Forbes, Best Company and Financial Advisor around the world. Armed with a BA in Communication and a journalistic eye for detail, she navigates insurance and finance topics for Finder, so you can splash your cash smartly (and be a pro when the subject pops up at dinner parties).

Expert review

Liberty National scores points for its network of local agents that know the ins out outs of insurance laws in their states, and for offering accident policies. Though it’s backed by financial strength, the insurer could be more transparent about its rates and the coverage it offers.

What types of life insurance 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.

How much does Liberty National life insurance cost?

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.

Compare life insurance rates

Compare quotes for life insurance policies starting at $15/month.

Pros and cons of Liberty National life insurance


  • Network of local agents. The provider sells policies through local agents who are well-versed in the intricacies of life insurance laws for their states.
  • Financial strength. Liberty National has held an A+ (Superior) financial rating from AM Best for 40 years and counting, which means it has the cash reserves to pay out claims.
  • Sells accidental policies. Accidents happen, and the insurer offers two accidental policies to cover injuries, loss and death.
  • Regular promo offers. At the time of writing, the insurer is running an introductory offer for Florida residents interested in purchasing an Accidental Death policy. Ask an agent about any other offers that may be coming up.


  • No online application. To apply for a policy, you’ll need to pick up the phone or wait for an email reply.
  • Limited product line. Liberty National focuses on term and whole life policies.
  • Short customer service window. The customer service team is on call on weekdays from 7:30 a.m. to 5 p.m. CT, while some other life insurers offer help around-the-clock.
  • Can be unresponsive. We emailed and called Liberty National’s HQ several times to request more information about the life insurance policies, to no avail.
  • Agents not available in some states. Liberty National only has local agents in 22 states.

Compare other life insurance companies

Name Product Issue age Minimum Coverage Maximum Coverage Term Lengths Medical Exam Required
18 - 75 years old
10, 15, 20, 30 years
Customize your term life insurance with a long list of life and disability riders. Get a free quote on Policygenius.
18 - 75 years old
10, 15, 20, 25, 30 years
Depends on policy
Purchase a policy worth anywhere from $25,000 to $10 million, with the option to skip the medical exam. Get a free quote on Policygenius.
18 - 80 years old
10, 15, 20, 25, 30 years
Depends on policy
Purchase term life insurance up to age 80 with Finder's #1 ranked company. Get a free quote from this A+ rated insurer on Policygenius.
20 - 85 years old
10, 15, 20, 25, 30, 35 years
Buy term life insurance all the way up to age 85, and choose a policy that lasts up to an incredible 35 years. Get a free quote on Policygenius.
John Hancock
18 - 65 years old
10, 15, 20 years
Depends on policy
Score a low rate on term life insurance with discounts and rewards for your healthy habits. Get a free quote on Policygenius.

Compare up to 4 providers

Liberty National 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.

How do I sign up?

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

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.

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

Life insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our experts analyze life insurance companies to help you to find the strongest possible policy and premium for your family’s needs. We assess their financial strength, customer satisfaction, policy features and riders. We then give each insurer a score between one and five stars that reflects their offering and reputation in the industry.

Learn more about our methodology here.

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