Liberty Mutual Life Insurance Review

It’s possible that the premium you pay for your Liberty Mutual Life Insurance policy will be different depending on your age, gender, health, and desired level of coverage. It’s estimated that for a $250,000 insurance with a 15-year term, an insured 30-year-old man in New York City who doesn’t smoke would spend $36.09 a month. Liberty Mutual Life Insurance Review will aid your worries!

How to get a quote from Liberty Mutual life insurance

Liberty Mutual Life Insurance Review - Liberty Mutual Life Insurance Logo

Follow these steps to receive a quote:

  1. Hover over Shop Insurance on the Liberty Mutual website and pick Life.
  2. To receive a quote, enter your ZIP code below and press the Get a quote button.
  3. Tobacco usage and gender are required fields.
  4. Click Get quote when you’re done reading the privacy policy and agreeing to it.
  5. The system will provide you with a selection of policy alternatives that are suited for your needs. Selecting Forward to Agent will take you to the next step.

What happens next?

To proceed with a policy, you must provide Liberty Mutual with your contact information and designate a time for a call. To complete the transaction, you’ll get a call from a sales representative.

What types of life insurance coverage does Liberty Mutual offer?

For the most part, Liberty Mutual adheres to just two principles:

  • Term Life. This insurance, which is often the most economical choice, comes in terms of periods of 10, 15, 20, or 30 years. Because of this, you can convert your insurance to a permanent one before the end of the term, and policyholders are eligible for a variety of optional riders.
  • Passport Term. Customers who qualify for this simple insurance will not have to undergo a medical exam and will have their coverage authorized within 10 minutes. Policies issued by Liberty Mutual have a maximum face value of $250,000 and can be converted up to the last five years of the term.
  • Whole Life. This policy provides coverage for the rest of your life and includes a monetary value. All permanent insurance have a certain amount of risk, but this one has the lowest.

What riders can I add to my policy?

You may be able to customize your insurance coverage by adding the following options, depending on your policy:

  • Accelerated death benefit rider. If you’re diagnosed with a terminal disease, you’ll get up to 90% of your policy’s value.
  • Rider for accidental death insurance. Supplemental death benefit in the event of your accidental death according to your policy.
  • Rider who is under the age of 18. A term life insurance policy that provides coverage between $10,000 and $25,000 for a kid or numerous children can be purchased.
  • Rider that ensures you’ll be insured no matter what happens. To increase the death benefit without going through the underwriting procedure, choose this option.
  • Rider for the advantage of the payer. If someone other than the insured is paying the life insurance premiums, the person who pays the premiums is protected.
  • Rider waiving premium fees. If you become permanently handicapped and are unable to work for six months, your premiums will be put on hold.

Liberty Mutual life insurance reviews and complaints

While the Better Business Bureau (BBB) has recognized and rated Liberty Mutual as having an A+ level of client interaction, customers give the insurance a mere 1 star out of 5. A large number of their grievances appear to be case-specific, referring to claims that were handled in an unacceptable manner — yet the insurance replied promptly to all concerns. They received an A from AM Best.

As of October 2020, Liberty Mutual had a TrustPilot rating of 1.9 out of 5 stars, with the majority of complaints centered on their auto insurance division.

About Liberty Mutual

Originally focusing on workers’ compensation, Liberty Mutual expanded into other lines of insurance after being established in Massachusetts in 1912.

Fortune 500 corporation AIG now covers customers in over 30 nations with its P&C insurance, making it America’s third biggest. In addition to other financial plans, it offers vehicle, house, renters, and condo insurance.

How does Liberty Mutual protect my data?

When your data is sent from your computer to Liberty Mutual’s servers, it is encrypted to keep it safe from hackers. Liberty Mutual employs a firewall to keep off intruders after your data has arrived on its systems. The only people with access to your information are those who have a “legitimate and verifiable need” to have it in order to assist offer your product or service.

Visit our review of Lemonade Life Insurance Review for one more life insurance review.

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Levi Jorgensen
Levi Jorgensen is a life-long explorer. When he's not writing about life insurance, he works as an appraiser of antiques. He's based in Columbus, Ohio with his wife and 2 children.
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