A review of Liberty National Health Insurance Company finds Liberty National Life Insurance Company, a provider of insurance policies since 1900. Liberty National Life Insurance Company administers life and supplemental health insurance to individuals personally, and through their employers. The company is a subsidiary of Torchmark Corporation, a Fortune 1000 company.
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Liberty National is based in McKinney, Texas and licensed to sell insurance in 49 states. The company prides itself on its financial strength and great financial ratings from companies like A.M. Best Company, Moody’s, and Standard and Poor’s. It also prides itself on having stayed strong, and in business, during many times of turbulence in U.S. history, from the Great Depression through the current economic downturn.
Liberty National Life Insurance Company Contact Information
If you need to contact Liberty National, you can either phone the company at 205-325-4979 and speak to a customer service representative, or send an email to [email protected].
According to A.M. Best, the company’s mailing address is:
P.O. Box 2612
Birmingham, Alabama 35202
Liberty National’s parent company, Torchmark, can be found at:
3700 S. Stonebridge Drive
Post Office Box 8080
McKinney, Texas 75070-8080
Liberty National Life Insurance Company Products
Liberty National sells life insurance products, as well as supplemental health and accident insurance. Life insurance policies offer a choice of term life and whole life. If you’re not familiar with the difference between the two, term life is coverage for a predetermined length of time at a fixed premium rate, while whole life insurance offers a savings component that banks your premium and allows you to borrow against it. Whole life is also known as universal life, depending on the company selling the policy. Either policy will pay out in one lump sum to your beneficiaries after you die.
Liberty National’s supplemental health and accident insurance helps customers plan ahead and save themselves, and their families, from the expenses associated with unplanned emergencies and life changes. These include unexpected medical diagnoses and conditions, and even possibly death.
The company’s supplemental policies include coverage for:
- Hospital intensive care
- Critical illness
- Hospital accident
- Hospital income
- Medicare supplements
These supplemental policies go beyond your standard health insurance coverage, helping to pay the bills that it doesn’t cover. By purchasing these policies, customers can ensure that they and their loved ones will be able to afford the expenses of life, even if they’re unable to work and produce income.
As Liberty National states on its website, the number one reason to purchase life insurance is to take care of your loved ones after you die. Often, people don’t want to think about their own death or disability, but the best time to prepare and plan for it is when they’re alive and healthy.
Liberty National Life Insurance Company Introductory Products
On its company website, Liberty National alleges that it doesn’t spend a lot of money on marketing but, rather, uses those funds to instead, offer several introductory products to help its customers. These products include an accidental death policy worth $3,000 in coverage for the policyholder and their spouse, as well as $1,000 in coverage for each child living with them.
This policy is free to policyholders for the first year, and then $10 annually if they decide to continue it. The program is slightly different for Florida residents, so ask a Liberty National agent for more information.
The company also provides free information packets and tools in the form of a Child Safe kit, a MedFacts kit, and a Memorial Guide in which you can list important information for your family to consult after you die.
Liberty National Life Insurance Company Quotes
Liberty National does not offer an online quote tool for potential customers. Instead, the company wants people to call and speak to a live agent. They do this because your policy is a reflection of factors that are individual to you, including age, marital status, state of residence, health history, and more.
Liberty National Life Insurance Company Agents
The company does offer an online “Find a Local Agent” tool so that you can be contacted by the nearest company agent. You must fill in all required fields and note about which products you are interested in hearing more information. Liberty National currently has more than 3,000 agents nationwide, operating out of 140 branches.
If you’re interested in becoming an agent for Liberty National, the company offers extensive online information about the opportunity. This includes video presentations, video testimonials, an income calculator, and much more. The company offers recognition and rewards, including annual incentive trips. It also offers benefits such as:
- 401(k) plan
- Group life insurance
- Vision and dental coverage
- Blue Cross Blue Shield group health insurance
- Sick leave
- Short and long-term disability
- Pension plan