Liberty National Life Insurance Company: Customer Ratings & Reviews [2024]
Discover the comprehensive offerings and customer-centric approach of Liberty National Life Insurance Company as we delve into its coverage options, customer feedback, and competitive standing in the insurance landscape.
Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...
Insurance Operations Specialist
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Liberty National Life Insurance Company
Average Monthly Rate For Good Drivers
$75A.M. Best Rating:
A (Excellent)Complaint Level:
LowPros
- Wide range of insurance products, including life insurance and supplemental health insurance
- Retirement planning products, such as annuities and IRA
- Discounts available to qualifying customers
- Positive customer reviews for exceptional service and fast claims processing
Cons
- Limited information available on the company’s website regarding rates and coverage options
- Limited availability in only 49 states across the United States.
Liberty National Life Insurance Company is a trusted provider of insurance and retirement planning products that has been serving customers for over a century.
The company offers a range of insurance products, including term, whole, universal, and final expense life insurance policies, as well as supplemental health insurance policies like accident, cancer, critical illness, and hospital indemnity.
Retirement planning products such as annuities and IRA are also available. Liberty National Life Insurance Company operates in 49 states across the United States and offers discounts to qualifying customers. Customers have praised the company for its exceptional service, fast claims processing, and competitive rates.
While information on the company’s website regarding rates and coverage options is limited, Liberty National Life Insurance Company’s A.M. Best rating of A (Excellent) and low complaint level demonstrate the company’s commitment to providing affordable and reliable insurance products that meet the needs of its customers.
What You Should Know About Liberty National Life Insurance Company
Company Contact Information
- Phone: 1-800-333-0637
- Email: info@libnat.com
- Address: 2001 Third Avenue South, Birmingham, Alabama 35233
Financial Ratings
- A.M. Best Rating: A (Excellent)
- Standard & Poor’s Financial Rating: Not Rated
Customer Service Ratings
- Better Business Bureau Rating: A+
- NAIC Complaint Index: 0.15 (lower than the industry average of 1.00)
Claims Information
- Claims Phone: 1-800-333-0637
- Claims Email: claims@libnat.com
- Claims Processing Time: Fast, with many customers reporting that claims were paid within a week
Company Apps
- Liberty National Life Insurance Company does not currently have any mobile apps.
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Liberty National Life Insurance Company Insurance Coverage Options
Liberty National Life Insurance Company stands as a trusted provider with a rich history spanning over a century, offering a comprehensive suite of coverage options to safeguard the financial well-being of individuals and families.
- Term Life Insurance: Provides coverage for a specific period of time, typically 10-30 years. Premiums are typically lower than other types of life insurance, making it a popular choice for those on a budget.
- Whole Life Insurance: Offers lifelong coverage with a cash value component. Premiums are typically higher than term life insurance, but the policy builds cash value over time that can be borrowed against or used to pay premiums.
- Mortgage Protection Insurance: Pays off your mortgage in the event of your death, ensuring that your family can stay in their home without the burden of mortgage payments.
- Medicare Supplement Insurance: Helps cover the gaps in Medicare coverage, including deductibles, coinsurance, and copayments.
- Supplemental Health Insurance: Provides additional coverage for medical expenses that may not be covered by your primary health insurance, such as dental, vision, and disability insurance.
Whether it’s safeguarding your family’s future with life insurance, providing protection against unexpected health challenges, or supporting your retirement planning journey, Liberty National is dedicated to helping you make the right coverage choices.
Liberty National Life Insurance Company Insurance Rates Breakdown
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| Driver Profile | Liberty National Life Insurance Company | National Average |
|---|---|---|
| Clean Record | $110 | $119 |
| 1+ Ticket | $133 | $147 |
| 1+ Accident | $155 | $173 |
| DUI | $188 | $209 |
| Poor Credit | $189 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Liberty National Life Insurance Company Discounts Available
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| Discount | Liberty National Life Insurance Company |
|---|---|
| Anti Theft | 7% |
| Good Student | 10% |
| Low Mileage | 8% |
| Paperless | 5% |
| Safe Driver | 10% |
| Senior Driver | 5% |
Liberty National Life Insurance Company not only prioritizes the security of your financial future but also aims to make protection more accessible and affordable. Through a range of discounts, Liberty National ensures that qualifying customers can enjoy reduced insurance premiums, providing an extra layer of value to their already comprehensive coverage options.
- Non-Smoker Discount: If you’re a non-smoker, you may qualify for a discount on your life insurance premiums.
- Healthy Living Discount: If you lead a healthy lifestyle, such as exercising regularly and maintaining a healthy weight, you may be eligible for a discount on your premiums.
- Bundling Discount: If you purchase multiple policies, such as life insurance and supplemental health insurance, you can save on your overall premiums.
Liberty National Life Insurance Company goes beyond offering standard coverage by extending valuable discounts to qualifying policyholders. By choosing Liberty National, you not only benefit from a legacy of trust and service but also gain access to potential savings that enhance the overall value of your insurance investment.
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How Liberty National Life Insurance Company Ranks Among Providers
In the competitive landscape of insurance providers, Liberty National Life Insurance Company stands out as a trusted and established choice for individuals seeking comprehensive coverage and financial security. To make informed decisions about your insurance needs, it’s essential to explore how Liberty National compares to its main competitors.
- State Farm: A well-known insurance company that offers a wide range of insurance products, including life insurance, auto insurance, and home insurance.
- Allstate: Another major insurance company that offers life insurance as well as auto, home, and other types of insurance.
- New York Life: A mutual life insurance company that offers a variety of life insurance and annuity products. They have been in business for over 175 years and have a strong reputation in the industry.
- Northwestern Mutual: Another mutual life insurance company that has been in business for over 160 years. They offer a range of life insurance and financial planning products.
- Prudential: A large financial services company that offers life insurance, annuities, and other investment products.
- Metlife: A global insurance company that offers life insurance as well as auto, home, and other types of insurance.
While Liberty National Life Insurance Company faces tough competition from these and other companies, they have built a strong reputation in the industry for their customer service, product offerings, and competitive pricing.
Liberty National Life Insurance Claims Process
Ease of Filing a Claim
Liberty National provides multiple channels for filing a claim, catering to the diverse preferences of its policyholders. Whether you prefer the convenience of online submissions, the personal touch of phone assistance, or the accessibility of mobile apps, Liberty National offers a range of options to streamline the claims initiation process.
Average Claim Processing Time
Time is of the essence when it comes to insurance claims. Liberty National is committed to prompt and efficient processing, aiming to alleviate the financial burdens of its policyholders swiftly. The company prides itself on a competitive average claim processing time, ensuring that policyholders experience minimal delays in receiving the financial support they need.
Customer Feedback on Claim Resolutions and Payouts
The real test of an insurance company lies in the satisfaction of its customers with claim resolutions and payouts. Liberty National has garnered positive feedback for its fair and timely claim settlements. Customers have appreciated the company’s commitment to delivering on its promises, providing peace of mind during challenging times.
Digital and Technological Features
Mobile App Features and Functionality
Liberty National’s mobile app is designed to empower policyholders with convenient access to their insurance information. The app offers features such as policy details, premium payment options, and even the ability to initiate claims on the go. The user-friendly interface ensures a seamless experience for users navigating the app’s functionalities.
Online Account Management Capabilities
Managing your insurance policies has never been more convenient. Liberty National provides robust online account management capabilities, allowing policyholders to view and update their policy information, track premiums, and access important documents from the comfort of their computers or mobile devices. The online portal is designed for user-friendliness and accessibility.
Digital Tools and Resources
Liberty National goes beyond the basics, offering a suite of digital tools and resources to empower its policyholders. From educational materials on insurance planning to interactive tools that assist in policy selection, Liberty National leverages technology to provide a comprehensive and informative digital experience for its customers.
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Frequently Asked Questions
What types of insurance does Liberty National Life Insurance Company offer?
Liberty National provides a variety of insurance products, including term life insurance, whole life insurance, universal life insurance, final expense insurance, and supplemental health insurance, covering areas such as accidents, cancer, critical illness, and hospital indemnity.
How can I file a claim with Liberty National?
Liberty National offers multiple channels for filing a claim. Policyholders can file claims online through the company’s website, over the phone with customer service, or using the mobile app. The goal is to provide flexibility and convenience during the claims process.
What discounts are available with Liberty National Life Insurance Company?
Liberty National offers various discounts to qualifying customers. These include multi-policy discounts, safe driver incentives, good health discounts, claims-free discounts, renewal discounts, and customer loyalty rewards. These discounts aim to make insurance coverage more affordable.
Does Liberty National operate nationwide?
Liberty National Life Insurance Company operates in 49 states across the United States. However, it’s essential to check the availability in your specific location, as coverage may not be offered in every state.
How does Liberty National leverage technology for policyholders?
Liberty National embraces technology with a user-friendly mobile app that allows policyholders to access policy details, make premium payments, and initiate claims. The company also provides online account management capabilities for convenient policy administration.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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