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: Feb 22, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Company Details
Address: 175 Berkeley Street
City: Boston
State: Massachusetts
ZIP Code: 02116
Phone Number: 1-800-295-2723
Year Founded: 1912
AM Best Rating: A
Company Rating 0 (0 reviews)

Liberty Mutual has been in business in the United States for over 100 years. Today, the company operates around the world and offers many different types of insurance policies. However, for the sake of this review, we will only be focusing on Liberty Mutual life insurance.

Liberty Mutual life insurance is pretty straightforward. Its life insurance offerings are not complicated. This company offers two types of life insurance policies: term life insurance and whole life insurance. We’ll look at the specifics of these Liberty Mutual policies in more detail.

Plus, we’ll take a look at Liberty Mutual’s customer service, online options, how consumers can get quotes, etc. Liberty Mutual is a huge insurance company. It offers a lot more than just life insurance coverage. You could potentially save money by bundling multiple policies with Liberty Mutual.

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What life insurance policies does Liberty Mutual sell?

Liberty Mutual sells two basic types of life insurance policies: term life insurance and whole life insurance. Liberty Mutual Insurance also sells retirement or fixed annuities insurance as well, but we are not going to explore that type of insurance in any detail in this review.

Although, it is important to note that this policy is listed under its life insurance offerings on the Liberty Mutual website.

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What are the specifics of Liberty Mutual term life insurance?

Liberty Mutual offers term life insurance policies with terms ranging from 10 to 30 years. All of Liberty Mutual’s term life insurance policies come with the option to continue coverage or buy more coverage at the end of the term period.

Liberty Mutual also offers consumers the ability to convert their term life insurance policy to a permanent or whole life insurance policy before the term coverage ends.

There are a variety of riders and other coverage additions to help consumers completely customize their life insurance coverage to their needs.

How much are Liberty Mutual life insurance rates?

Liberty Mutual’s term life insurance policies tend to be more expensive than the other major life insurance companies in the industry.

Average Monthly Term Life Insurance Rates: Liberty Mutual vs Industry Average
AgeLiberty Mutual Average Monthly RatesIndustry Average Monthly Rates
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These are sample Liberty Mutual life insurance rates. To get a more detailed idea about how much your life insurance will cost contact Liberty Mutual to learn more about Liberty Mutual life insurance quotes.

However, Liberty Mutual does offer consumers quick, simplified issue-term life insurance policies that don’t require a medical exam and can be approved quickly. The only downside to a simplified issue-term life insurance policy is that they have maximum coverage of $250,000.

What are the specifics of Liberty Mutual whole life insurance?

Liberty Mutual offers whole life insurance policies that offer a cash component and grow in value over time as their interest compounds.

Consumers who choose Liberty Mutual’s whole life insurance policies are guaranteed level premiums, a cash value that grows tax-deferred, an income-tax-free death benefit, and immediate access to the cash principle of their policy.

Unlike term life insurance policies, whole life insurance policies never expire. They last for the duration of your life.

The fully underwritten whole life insurance policies from Liberty Mutual can have up to $1 million in coverage.

If you don’t need that much coverage, if you want to be approved quickly, or you don’t want to undergo a medical exam and full underwriting process, Liberty Mutual also sells simplified issue whole life insurance policies too.

Liberty Mutual’s simplified issue whole life insurance policies have a maximum coverage of $250,000. However, there is no medical exam, you can be approved for this coverage quickly, and you can buy this coverage up to the age of 65.

There is a lot to like about simplified issue coverage from Liberty Mutual. Most insurance companies will not sell whole life insurance policies without a full underwriting process.

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How can I get a Liberty Mutual life insurance quote?

You can go online to the company website or call the Liberty Mutual phone number 1-800-290-8206 to speak with customer service about getting Liberty Mutual life insurance quotes.

Be aware that life insurance is not a major focus of Liberty Mutual Group. If you’re looking for detailed information about its product offerings online, you really have to dig through the website to find what you’re looking for.

Can I manage my policy online?

After you purchase an insurance policy through Liberty Mutual, you will be given a Liberty Mutual login. You can use this information to log into the Liberty Mutual website to view and manage all of your insurance policies through the company.

Does Liberty Mutual have good customer service?

Reviews and responses to this query are mixed. However, it is important to note that there are no major complaints about Liberty Mutual customer service regarding their life insurance products.

Most complaints about this company are focused on their auto or home insurance offerings. Like we said earlier, life insurance is not a major part of Liberty Mutual’s product offerings.

Keeping that in mind, there are not a lot of complaints about Liberty Mutual’s life insurance customer service on the Internet.

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Is Liberty Mutual financially strong?

According to independent reviewer A.M. Best, Liberty Mutual has a financial strength rating of A. This means the company is strong financially and is likely able to pay any and all benefits in a timely fashion.

Liberty Mutual Life Insurance: The Bottom Line

Life insurance is not a major focus of this company.

Still, Liberty Mutual has some interesting product offerings, especially when it comes to its simplified issue whole life insurance policies that require no medical exam. The company’s term life insurance policies are a bit more expensive than the industry average.

Ready to compare life insurance quotes? Enter your ZIP code below to compare affordable life insurance rates from the top companies in your area.