Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Mar 29, 2021

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The Facts of Life

  • Liberty Mutual offers more term life options than Accordia Life
  • Accordia Life offers more permanent options than Liberty Mutual
  • The companies are rated the same by A.M. Best

Accordia Life and Liberty Mutual offer permanent and term life insurance options to customers. The providers are rated identically by A.M. Best, but Liberty Mutual has received more complaints.

The difference in policy choices is that Liberty Mutual offers a simplified application and Accordia Life offers universal life coverage. Compare Accordia Life vs. Liberty Mutual to find the best provider for you.

For information on companies other than Accordia Life or Liberty Mutual, enter your ZIP code to find the best quotes in your area.

Accordia Life vs. Liberty Mutual: What policies are offered?

Accordia Life and Liberty Mutual provide term life and whole life insurance options. The differences between the two are that Liberty Mutual offers a simplified application process for all policies and Accordia Life offers universal life coverages.

Accordia Life offers term life insurance in 10-, 20-, and 30-year terms. The minimum amount of coverage for this type of insurance is $50,000, a lower value than most competitors. This allows customers to receive lower monthly rates or less coverage if they desire.

Permanent Accordia Life policies include whole life, universal life, and indexed universal life coverage.

The primary difference is that whole life insurance has fixed rates, universal life has flexible rates, and indexed universal coverage includes a cash value that can earn interest based on popular stock indexes.

Liberty Mutual offers term life insurance in 10-, 15-, 20-, and 30-year terms. These policies are available for customers between the ages of 18 and 70 years.

The only permanent life option is whole life, which features level premiums. This type of insurance is available for those between 15 days and 70 years of age.

All policies offered by Liberty Mutual offer a traditional or simplified application process.

Traditional policies can be up to $1 million in coverage but require a medical examination. Simplified Issue plans are only available up to $250,000, but don’t require a medical exam, so customers can obtain approval quickly.

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Accordia Life vs. Liberty Mutual: What riders are available?

For more coverage than is provided by basic policies, customers can add options. Known as riders, some of these options are automatically included with certain policies while others can be added for an additional premium. Accordia Life and Liberty Mutual offer a variety of riders.

Accordia Life and Liberty Mutual both include an accelerated death benefits rider. This rider allows a policyholder to access a portion of the death benefit before death if they suffer from a critical, chronic, or terminal illness.

Liberty Mutual includes the rider with all policies while Accordia Life only includes it with universal life coverage.

In addition to the accelerated death benefits rider, Accordia Life provides various optional riders for an additional premium. Optional riders offered by Accordia Life include:

  • Primary insured
  • Additional insured
  • Guaranteed purchase options
  • Children’s insurance
  • Accidental death benefit
  • Waiver of monthly deduction
  • Waiver of a specified premium

Optional riders offered by Liberty Mutual include:

  • Accidental death and dismemberment
  • Child protection
  • Disability waiver
  • Guaranteed insurability
  • Payor death and disability

Accordia Life and Liberty Mutual offer more optional riders than most of their competitors.

Accordia Life vs. Liberty Mutual: How are they rated?

Credit rating agencies rate various life insurance providers.

These ratings establish each company’s financial strength, determining their ability to provide a payout when a claim is filed. Accordia Life and Liberty Mutual have been rated by A.M. Best, Standard and Poor’s (S&P), Fitch, and Moody’s.

The Accordia Life and Annuity Company has been rated an “A” by A.M. Best and Fitch, an “A-” by S&P, and an “A3” by Moody’s. These are all considered strong ratings, though S&P’s rating adds that the company could have trouble providing a payout under difficult economic circumstances.

Liberty Mutual insurance has been rated an “A” by A.M. Best and S&P, an “A-” by Fitch, and an “A2” by Moody’s. All four of these ratings are within one rating of Accordia Life, landing in the upper-medium grade category.

While none of the grades given to Accordia Life and Liberty Mutual are at the top of the scale, they are all high enough that customers shouldn’t be worried about receiving a payout when they file a claim.

Accordia Life vs. Liberty Mutual: Do they have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) allow customers to provide complaints about life insurance providers. This is a good way to determine the quality of service that you’ll receive.

The BBB and NAIC have both received complaints about Accordia Life and Liberty Mutual.

At the time of this comparison, the BBB has received 44 complaints about Accordia Life. The provider’s complaint index according to the NAIC is 3.68, higher than the national average of 1.00. The number of complaints to both organizations is higher than competitors of a similar size.

The BBB has received 1,012 complaints about the Liberty Mutual Group. However, the BBB has given the company an “A+” rating when also considering its business practices. The provider has an NAIC complaint index of 2.15. While lower than Accordia Life, this is still higher than the national average.

While both companies have received more complaints than similarly-sized competitors, reading through the specific complaints will help you determine if they should be a concern for you.

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Accordia Life vs. Liberty Mutual: What should you expect when applying?

Accordia Life offers an easy online application and approval process, but customers might require a medical exam. The time it takes for approval from Liberty Mutual depends on the type of policy.

Traditional policies require a medical exam, but approval for simplified plans can be received in 10 minutes.

Accordia Life vs. Liberty Mutual: Where can you purchase life insurance?

Accordia Life and Liberty Mutual allow customers to apply for coverage and receive approval online or by phone.

While online applications are often easier, calling Accordia Life or Liberty Mutual customer service allows potential customers to receive more information on specific plans and optional riders.

Accordia Life vs. Liberty Mutual: The Bottom Line

The decision between Accordia Life and Liberty Mutual depends on your personal preference. The ratings are similar so the decision will likely come down to the policies offered. Comparing Accordia Life vs. Liberty Mutual allows you to determine the provider that best fits your needs.

Finding affordable Accordia Life insurance quotes and affordable Liberty Mutual life insurance quotes is possible.

Now that you’ve compared Accordia Life vs. Liberty Mutual, enter your ZIP code to find the top life insurance rates in your area.

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Accordia Life vs. Liberty Mutual: Frequently Asked Questions

Here are some frequently asked questions about Accordia Life and Liberty Mutual.

#1 – Does Accordia Life or Liberty Mutual have a mobile app?

Accordia Life doesn’t have a mobile application but Liberty Mutual has one that can be downloaded to any mobile device. This app allows customers to access policy information, make policy changes, and make payments.

#2 – Can I track my Accordia Life or Liberty Mutual claim?

After applying for life insurance coverage, customers can use their Accordia Life or Liberty Mutual login to track the progress of their claim.

#3 – What if I have questions while filing a claim online?

If you have questions while filing a claim online, calling the Accordia Life or Liberty Mutual phone number will connect you with a representative to guide you through the process. They’ll also contact you if they need any additional information.