Liberty Mutual Insurance

• Online Tools and Customer Service
• Industry Experience
• Policy Variety

The Liberty Mutual life insurance platform allows prospective clients to find the right policy that suits their needs and their budget. Its straightforward process, benefits, and terms are all appreciated by current customers. Other advantages to their life insurance policies include:

Online Tools and Customer Service

The company's site has plenty of helpful tools and information to help consumers out if they have any basic questions. Liberty Mutual has an informative side-by-side comparison of three of their main policies: Term Life Insurance, Whole Life Insurance, and Universal Life Insurance. This makes it easy for consumers to see the benefits and disadvantages of each policy, making their decision simpler.

Customers can also receive a quote through an online application process. Insurance quotes will vary depending on your circumstances. It is also common for customers to undergo a medical exam prior to being approved for a policy. The medical exam can affect premium costs. 

Liberty Mutual also has a variety of customer service tools on their website. They are easy to use and helpful in managing premium payments. Their website includes information on their claims process to help customers navigate that process successfully. 

Industry Experience

Liberty Mutual has been in business for over a century. With years of experience, they know the life insurance industry. Their agents are helpful people. Working with a Liberty Mutual agent can help you better understand your options and find the best coverage option for you.

Policy Variety

Liberty Mutual offers just about every major insurance policy that consumers may need. They offer term life insurance and permanent life insurance. Their permanent life insurance coverage options include universal life insurance, whole life insurance, and variable universal life insurance. These kinds of life insurance coverage can have a cash value accumulation over time, which can be an added benefit. The terms of each insurance policy are different, so be sure you understand the terms before purchasing a policy. 

Liberty Mutual also allows its customers to customize their life insurance policy by adding additional coverage options called life insurance riders. These are more benefits that a life insurance policy can provide in addition to the death benefit. 

• Average to High Pricing

Despite offering a variety of life insurance products, there are limitations. Those considering Liberty Mutual for their life insurance should consider the following items prior to enrollment:

Average to High Pricing

Their monthly insurance quotes for their term life policies came in slightly higher than some of their competitors. However, individuals should look at the whole policy when considering their life insurance coverage options. Higher premiums could mean greater coverage.