Liberty National Life Insurance Review

Liberty National has great customer satisfaction ratings, but no online quotes

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Liberty National Life Insurance

Liberty National Life Insurance

overall rating

Our Take

Liberty National’s parent company, Globe Life, has been around since 1900 and has great customer satisfaction ratings. The company sells insurance through its thousands of insurance agents around the country rather than providing quotes or policy information online, so it’s a good fit for people who want assistance from a human when purchasing a life insurance policy. 

  • Pros and Cons
  • Key Takeaways
  • Specifications
Pros and Cons
  • Top-ranked customer satisfaction

  • Offers accident policies

  • Online claims and policy management

  • Good financial strength ratings

  • No quotes or pricing info online

  • No policy information online

  • Slightly higher than average number of complaints with the NAIC

Key Takeaways
  • Liberty National is a subsidiary of Globe Life, Inc. and uses a network of local agents to sell its insurance products. 
  • In addition to whole life and term life insurance, Liberty National offers accident insurance and supplemental health insurance. 
  • Liberty National isn’t transparent about its product offerings, and agents work on commission. Before calling an agent to get a quote, you should get an idea of how much similar products cost through other providers.
  • Year Founded 1900
  • Kinds of Plans Whole life, term life
  • Number of Plans 2
  • Payment Options Not Listed
  • Official Website


Liberty National life insurance could be a good choice for people who want a local agent to guide them through the process of purchasing life insurance. The provider offers both whole and term life policies, but you’ll need to contact an agent to get information about each product and get a quote. 

To help you decide if Liberty National is right for you, we researched the provider’s financial strength, customer satisfaction, complaint data, customer service reviews, policy offerings, and online tools. You can compare the life insurance policy options that Liberty Mutual provides with that of the competition to make a decision. 

Company Overview

Globe Life Liberty National Division is headquartered in McKinney, Texas, and has been in business since 1900. The provider is licensed to sell insurance in all states except New York and has a network of 2,600 local agents in the following 29 states who provide information and quotes to potential customers:

  • Alabama
  • Arizona
  • Arkansas
  • Colorado
  • Florida
  • Georgia 
  • Illinois
  • Indiana
  • Iowa 
  • Kansas
  • Kentucky
  • Louisiana
  • Michigan
  • Mississippi 
  • Missouri
  • Nebraska
  • Nevada
  • North Carolina
  • Ohio
  • Oklahoma
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • West Virginia
  • Wisconsin

If you live in a state without local representatives, you can call Liberty National’s customer service line or fill out an online form to get connected to an agent closest to you.

Globe Life serves a small share of the life insurance market, with 4.3 million policyholders.

Available Plans

Liberty National offers two life insurance products: a whole life policy and a term life policy. You’ll need to call an agent if you want information about either plan. In addition, Liberty National offers supplemental health insurance and accident insurance. 

Whole Life

Whole life insurance is designed to cover you for your entire lifetime, and premiums and coverage amounts stay constant throughout. Your policy will also build cash value that you can borrow from if you need it. However, whole life insurance is much pricier than term life insurance so take that into consideration before you select this policy.

Liberty National doesn’t specify age or policy limits online and a medical exam may be required. 

Term Life

Term life is designed to cover you for a specific period, such as while your children are young or during mortgage repayment. If you die after the term ends, you won’t receive the benefit. You can extend coverage after the term ends, but you’ll pay increased premiums to keep your policy active. However, term life insurance is significantly less expensive than whole life insurance and is sufficient for most families. 

Liberty National doesn’t specify online which terms or policy limits are available. 

Liberty National doesn’t list details about its life insurance policies online so you’ll need to call an agent to find out more. 

Available Riders

Riders or endorsements can be a good way to customize a life insurance policy to suit your needs. For example, many providers allow you to add a long-term care rider or a child life rider. Liberty National does not state which riders are available online, so you’ll need to ask your local agent for details. 

However, Liberty National does offer an accidental death policy that can be purchased in addition to a life insurance policy. It offers $3,000 in coverage for you, $3,000 for your spouse, and $1,000 per child in your home. It’s free for the first year and $10 annually after that. 

Customer Service: Limited Options

Liberty National has relatively limited options for reaching a customer service representative. There’s no online chat, but there is an online form you can fill out to request information. The easiest way to get help is to find a local agent, but you can also reach customer service at 800-333-0637. However, you’ll need to call between the hours of 7:30 a.m. and 5:00 p.m. CT Monday - Friday. 

Customer Satisfaction: Top-Rated

J.D. Power ranked 23 individual insurance providers based on overall customer satisfaction in its 2020 U.S. Life Insurance Study, and Globe Life was ranked second after State Farm. That means customers expressed high levels of satisfaction with Globe Life’s pricing, product offerings, the application process, customer service, and statements. 

Globe Life received a complaint index of about 1.3 with the National Association of Insurance Commissioners (NAIC) for 2020, which indicates a higher number of complaints than average based on the company’s size. However, it’s important to note that Globe Life issues such a small percentage of total policies nationwide that this index resulted from only three total complaints. In 2019, Globe Life didn’t receive any complaints with the NAIC. 

Financial Strength: A (Excellent)

For 40 years, Globe Life received an A+ financial strength rating from AM Best, an independent credit rating agency that grades insurers. A high rating from AM Best is important because it indicates an insurer’s financial ability to pay claims. In 2020, AM Best downgraded Globe Life’s rating to an A. The change was due to a downward trend in Globe Life’s risk-adjusted capitalization. This indicates that Globe Life may not be as financially prepared for an economic downturn as some other insurers in the industry. 

Still, AM Best notes that operating performance and earnings have been strong during recent years, and Globe Life still maintains good cash flows, financial flexibility, and access to capital. An A rating from AM Best is still a strong indicator of Globe Life’s financial stability, and policyholders shouldn’t be concerned by the company’s ability to pay claims. 

AM Best downgraded Globe Life’s financial stability rating from A+ to A in 2020.

Cancellation Policy: Not Listed

By law, all life insurance companies need to provide a 10-day free look period. That means if you’re not satisfied with your policy, you can cancel within 10 days of issuance and receive a refund for your paid premiums. In some states, the law requires a longer free look period, so most insurance companies offer a 30-day money-back guarantee. 

Liberty National doesn’t provide information about their cancellation policy online so you should ask your local agent before signing up. 

Price: Average

J.D. Power ranked Globe Life average when it comes to pricing in the 2020 U.S. Life Insurance Study, but Liberty National doesn’t provide any pricing information online nor can you get an online quote. You’ll need to call an agent to estimate your premium, which will vary based on individual factors such as your age, gender, and health status. 

You can expect Liberty National’s term life policies to cost much less than the provider’s whole life policies. 

Liberty National agents are paid based on their performance, which means they may benefit from selling you more life insurance than you need. Calculate your needs and comparison shop before calling a Liberty National agent.

How Liberty National Compares to Other Life Insurance

Liberty National is behind the times when it comes to the process of purchasing life insurance. Most other insurers offer online quotes, at least for term policies, and are more transparent about their product offerings. Some new startups even let you complete the entire process online without a medical exam. And most companies have an online chat feature should you need assistance as well. 

Liberty National offers online claims and policy management, but you need to sign up by phone. Since agents are paid based on their performance, they’re going to try to persuade you to purchase a policy. 

Liberty National vs. State Farm Review

Liberty National and State Farm both offer whole and term life policies that are sold through local agents. Both had great customer satisfaction ratings in J.D. Power’s 2020 U.S. Life Insurance Study, with State Farm coming in first. However, there are some key differences between these two companies: 

  • State Farm offers a universal life insurance policy with flexible premiums, while Liberty National does not. 
  • You can get an online quote for a term policy with State Farm.
  • State Farm has an A++ (superior) financial stability rating from AM Best.
  • State Farm offers 24/7 customer support, while Liberty National can only be reached during business hours. 

Although these companies have similar customer satisfaction ratings, State Farm has more accessible customer service and quoting, better financial strength ratings, and more product offerings. 

Read our full State Farm Life Insurance review.

Final Verdict

For people who appreciate human assistance when applying for life insurance, Liberty National might seem like a good option. But many other insurers also provide good customer service by phone while also offering more information online. And for a company that has very little information available to potential customers online, the options for reaching a customer service representative are relatively limited. 

While it might be worth pursuing a quote from Liberty National, we recommend comparison shopping and assessing costs and benefits before making a decision.


All of our reviews of life insurance companies are based on extensive research and analysis of each company based on offerings, customer service, financial stability, cost, and more. For each company, we compared the life insurance products offered, as well as available features, and reported customer experiences. Visit our life insurance review methodology for the full breakdown of what we evaluated for over two dozen companies.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. Businesswire. "AM Best Downgrades Credit Ratings of Globe Life, Inc. and its Subsidiaries." Accessed April 21, 2021.