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Liberty Mutual Life Insurance
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Liberty Mutual Life Insurance

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in Life Insurance from Liberty Mutual
SuperMoney Net Recommendation Score +50  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +50, equating to 4 on a 5 point rating scale.

+50

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

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Highlights
Community Rating Strongly recommended
Term Life Death Benefit Range $50,000 - $1,000,000
Term Options
  • Level Term
  • Term Life
Financial Strength Rating A
Number of Reviews 8

Liberty Mutual Life Insurance Review

Liberty Mutual life insurance Pros & Cons

Pros Cons
  • Offers life insurance policies that don't require medical exams.
  • Life policy terms of up to 30 years.
  • Strong financial rating
  • Available in all 50 states.
  • Access to multiple life insurance policy types.

Liberty Mutual is a life insurance carrier based in Boston, MA. The company was founded in 1912 and offers life insurance products in 50 states (and Washington, DC).

Liberty Mutual life insurance FAQ

What types of life insurance products does Liberty Mutual offer?

Life insurance companies typically offer a wide variety of life insurance options. One of the best ways to save money on life insurance products is to avoid unnecessary coverage. Only purchase life insurance policies and riders you actually need.

Here is a brief description of life insurance options Liberty Mutual offers.

  • Term Life Insurance - This is the simplest type of life insurance policy. Term life insurance policies are payable if the insured person dies within a specific period of time, such as 5, 10, or 30 years. Liberty Mutual life insurance offers term lengths ranging from 10 to 30 years. Death benefit amounts range from $50,000 to $1,000,000.
  • Level Term Life Insurance - These are term life insurance policies that have the same fixed premium and payment amount through the duration of the life insurance policy.
  • Whole Life Insurance - Whole life insurance policies remain in force for the policyholder's entire life, provided premiums are paid. They have a tax deferred cash value, meaning the cash value will not be taxed until funds are withdrawn.
  • Universal Life Insurance - This type of universal life insurance policy guarantees a fixed death benefit and an investment account. The cash value of the investment account will vary depending on the portfolio's performance.

How can you save money on a Liberty Mutual life insurance life insurance policy?

When you ask for a life insurance quote with Liberty Mutual life insurance, ask what discounts are available for various life insurance options.

These include:

  • Being a non-smoker

What is SuperMoney's financial rating of Liberty Mutual?

The financial strength rating of life insurance companies scores its ability to pay contracts and life insurance policies. SuperMoney gives Liberty Mutual an A or excellent, which is SuperMoney's second highest available score for life insurance companies.

SuperMoney's financial strength rating is primarily based on the average score from independent insurance rating agencies.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Financial Strength Rating A
Policy Discounts Non-Smoker
Life Insurance Features
  • Online Quotes
  • No Medical Exam Policies
  • High Risk Applicants Accepted
  • Cash Value Loans
Term Length 10 - 30
Term Life Age Range 18 - 70
Term Life Death Benefit Range $50,000 - $1,000,000
Term Options
  • Level Term
  • Term Life
Whole / Permanent Life Options
  • Whole Life (Traditional)
  • Universal Life
Whole Life Death Benefit Range Starting at $15,000
Life Insurance Riders
  • Waiver of Premium Due to Illness / Disability
  • Accelerated Death Benefit (Terminal Illnesses)
  • Child Term Rider
  • Guaranteed Insurability / Renewability
  • Accidental Death or Dismemberment / Double Indemnity
  • Disability Income
  • Term Conversion
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Age 18
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Proof of Income
  • Proof of Identity
  • Government Issued Photo ID
  • U.S. Tax Identification Number
  • Social Security Number

Liberty Mutual Life Insurance Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +50, equating to 4 on a 5 point rating scale.

+50

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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