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Liberty Mutual Life Insurance

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Liberty Mutual Life Insurance

Updated: May. 31, 2018

Ranked 7th of 10 life insurance with a Quid Score of 73.

Buy Now Leave a Review

Liberty Mutual Life Insurance

Ranked 7th of 10 life insurance with a Quid Score of 73.

Product Details

Product Details

Ranks 7th overall.

Other Information
  • Online Quote: Yes
  • Other Features: N/A
  • Smoking Policy: N/A
  • Customer Service System: Online Contact Us portal gives customer service hours, FAQs, and guidance for contacting a licensed representative through phone/email/online form. Liberty Mutual has a dedicated Twitter page and Facebook Messenger profile for customer service support.
  • Medical Exam Requirement: Some do, some don't; simplified issue policies, which don't require a medical exam, cover up to $250k
  • Other Financial Services: Yes - auto & vehicle, property, accident, critical illness, identity theft, pet, tuition, and small business
  • Online Portal/Smartphone App: Online portal
  • Other Life Insurance Policies: Yes - Whole Life and Universal Life
  • Age Requirement at Time of Application: N/A
Policy Information
  • Term Options: Yes - 10, 15, 20 or 30 years
  • Annual Premium: MALE: $375, FEMALE: $280
  • Face Value Policy: $100,000 - $3,000,000
  • Payment Frequency: Monthly
  • Fixed or Fluctuating Premium: Fixed
  • Riders/Supplementary Coverage: None of the discounts offered (including disability income rider, child protection rider, guaranteed insurability rider, and accidental death benefit) are available for term life policies.
Key Product Information
  • Online Quote: Yes
  • Term Options: Yes - 10, 15, 20 or 30 years
  • Annual Premium: MALE: $375, FEMALE: $280
  • Face Value Policy: $100,000 - $3,000,000
  • Fixed or Fluctuating Premium: Fixed

Expert Rating: 74%

Ranks 8th among competitors.

Expert Rating: 74%

Ranks 8th among competitors.

Liberty Mutual is an international corporation, and its locations in multiple countries are convenient for people who live abroad. Rates tend to be on the cheaper end of the spectrum, while flexible payment plans and adjustable coverage are well-liked features. Plan coverage options and customizability is low. The company website could provide more information on plans.

Full Expert Breakdown
  • Premium Rates - Average
  • Agent Responsiveness - Above average
  • 24-Hour Telephone Support - Yes
  • Standout Incentive - International locations
  • Financial Strength - Above average
  • Policy Options - Average
Notable Positives
  • Have offices and affiliates around the globe
  • Rates are cheaper than most competitors
  • Flexible payment plans
  • Can adjust coverage
Notable Negatives
  • Individual policies are light on features
  • Few coverage options
  • Limited information on website
  • No riders available for term life policies
Full Expert Breakdown
  • Premium Rates - Average
  • Agent Responsiveness - Above average
  • 24-Hour Telephone Support - Yes
  • Standout Incentive - International locations
  • Financial Strength - Above average
  • Policy Options - Average

Customer Rating: 70%

Ranks 7th among competitors.

Customer Rating: 70%

Ranks 7th among competitors.

Many customers report that Liberty Mutual agents provide above average, personal service. Some say rates change due to unknown reasons.

Ideal for people:

Those who want an agent to walk them through choosing and maintaining plans, and who value a high level of personable service.

Not ideal for people:

Those who want a rate that will absolutely not change.

Notable Pros:
  • Agents are very helpful in explaining policies
  • Great overall service
  • Feel like they really care about the individual
Notable Cons:
  • Rates may increase

Brand Score: 78%

Ranks 4th among competitors.

Brand Score: 78%

Ranks 4th among competitors.

Since 1912, Liberty Mutual has provided insurance plans covering Americans in the auto, home, and personal categories. The company is dedicated to helping its policy holders live “safer, more secure lives.” Liberty Mutual offers bundle plans across multiple types of insurance, and gives instant insurance quote estimates on its site. Today, it’s the 3rd-largest property and casualty insurer in the U.S.

Heritage - 5/5

Liberty Mutual was founded in 1912.

Innovation - 4/5

The Liberty Mutual app allows customers to connect with Liberty Mutual on the go, while the Home Gallery app offers a home inventory system that helps catalog personal belongings.

Reliability - 4/5

Liberty Mutual makes it possible to file a claim or contact customer service through its social channels, with separate Twitter and Messaging accounts for this purpose. The company also has 3 phone numbers to call.

Social Good - 4/5

The Liberty Mutual Foundation provides grants to help non-profits that focus on empowering families and individuals enduring challenging situations primarily in Boston, Seattle, and Dallas.

Relevance - 3/5

In partnership with How Stuff Works, Liberty Mutual’s #MasterThis initiative provides tools and tips detailing everything from conquering a car repair to gearing up for winter.

Retail: Best Price $327.50

Ranks 9th in value among competitors.

Retail: Best Price $327.50

Ranks 9th in value among competitors.

Liberty Mutual makes it relatively easy to secure a quote online. A Quote ID number allows inquiring users to access their online quote at any time. Local agents are available for follow up.

Best Purchase Options
Liberty Mutual - $327.50
Best Purchase Option
Liberty Mutual - $327.50

Ranked by Quiddity

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