Liberty National Life Insurance Company(Nebraska); Overview, Contacts, Claims, Products, Ratings, Reviews, and Benefits

Liberty National Life Insurance Company stands as a stalwart in the insurance industry, offering a diverse range of services and products to meet the ever-evolving needs of its clientele. In this article, we delve into the various aspects that make Liberty National a big player in the insurance world.

Liberty National Life Insurance Company

A Brief Overview

Founded in 1900 in Birmingham, Alabama, Liberty National Life Insurance Company is a leading giver of affordable life and supplemental health insurance for middle-income Americans. The company focuses on in-home and workplace sales, extending its services to 49 states. Liberty National is known for exceptional customer service and consistently earns top ratings from industry analysts.

Contact Details of Liberty National Life Insurance Company

Contact Information
Phone: (800) 333-0637
Address: Globe       Life Liberty National Division <br> 3700 S Stonebridge Dr. <br> McKinney, TX 75070
e:  Liberty National Life Insurance Company
Social Media:  Facebook <br> Twitter <br> LinkedIn
Customer Service Hours: Monday – Friday

7.30 A.M – 5.00P.M Central

 

Services and Products offered

Liberty National Life Insurance Company leads in giving affordable life and supplemental health insurance for middle-income Americans, offering various products and services to safeguard families and financial futures.

Life Insurance

Liberty National gives both term and whole life insurance policies. Term life insurance covers a specific period, while whole life insurance offers lifelong coverage.

Cancer Insurance

For the high costs of cancer treatment, Liberty National offers cancer insurance, giving a lump sum or ongoing benefits for expenses like deductibles, co-pays, and lost wages.

Intensive Care Insurance

To assist with the expenses of an extended ICU stay, Liberty National offers intensive care insurance, giving a lump sum or ongoing benefits for hospital bills, ICU costs, and lost wages.

Accident Insurance

Accident insurance aids in covering costs from accidental injuries, offering a lump sum or ongoing benefits for medical bills, lost wages, and disability care.

Critical Illness Insurance

Critical illness insurance supports the financial impact of a critical illness diagnosis, giving a lump sum or ongoing benefits for medical bills, lost wages, and long-term care.

Supplemental Health Insurance

Apart from life insurance, Liberty National offers supplemental health insurance, including:

Customer Service

Committed to excellent customer service, Liberty National has experienced representatives available to answer queries. Online services include cost payments, beneficiary changes, and contact information updates.

Liberty National Life Insurance Company

Premium Costs

Costs for Liberty National Life Insurance Company’s products vary based on factors like the type of product, coverage amount, client age, health, and way of life. The company is recognized for providing affordable rates that compete well with other insurers.

Payment Options

Liberty National offers flexible payment options, including:

  • Monthly Payments: A common choice, allowing clients to spread payment costs over time.
  • Annual Payments: Can save clients money by avoiding interest charges.
  • Semiannual Payments: Suitable for those wanting to pay in installments without monthly commitments.
  • Quarterly Payments: Another option for spreading payment costs over time.

Discounts

The company provides various discounts, such as:

Promotional Offers

Liberty National occasionally runs promotions, offering additional savings on costs. These offers vary, so checking the company’s website regularly is advisable.

Beyond the listed discounts and promotions, Liberty National also features programs to help clients save money. For instance, they offer a “Pay for 10, Get 11” program for term life insurance policies. This allows clients to prepay for 10 years of coverage and receive the 11th year for free.

Claims Process with Liberty National

Here’s a simple guide on how to file a claim with Liberty National Life Insurance Company:

1. Reporting the Claim

2. Providing Necessary Documentation

  • Life Insurance Claims: Collect relevant documents like a certified copy of the death certificate, medical records, and proof of the insured’s identity.
  • Supplemental Health Insurance Claims: Gather medical bills, insurance statements, and any supporting documentation for the claim.

3. Review and Approval

  • Life Insurance Claims: Liberty National will review the submitted documents, requesting more information if needed. Once approved, the death benefit payment will be issued.
  • Supplemental Health Insurance Claims: The company assesses the claim against policy terms. If approved, reimbursement for eligible expenses will be made.

4. Appeal Process

  • Life Insurance Claims: If denied, clients can appeal by submitting a written appeal to Liberty National.
  • Supplemental Health Insurance Claims: Appeal a denial by submitting a written request for reconsideration, providing additional information or clarification.

5. Additional Support

  • Liberty National provides dedicated claims representatives to assist throughout the process.
  • The company’s website offers FAQ sections and online resources to guide clients through the claims process.

Liberty National Life Insurance Company

Liberty National Life Insurance Company stands out as a top-rated insurance giver, consistently earning positive reviews and high ratings from both consumers and industry experts.

Ratings

  • A.M. Best: A.M. Best, a leading credit rating agency, gives Liberty National Life Insurance Company an A+ (Superior) rating for financial strength, indicating its strong ability to meet client obligations.
  • Standard & Poor’s: Another prominent credit rating agency, Standard & Poor’s, assigns Liberty National an AA+ (Very Strong) rating, showcasing the company’s robust financial position.
  • NAIC Consumer Complaint Ratio: Tracked by the National Association of Insurance Commissioners (NAIC), Liberty National maintains a lower complaint ratio than the industry average, highlighting high customer satisfaction.

Reviews

Customers on independent review websites consistently praise Liberty National for affordable rates, excellent customer service, and efficient claims processing.

Complaints

While Liberty National boasts a low complaint ratio, acknowledging that some customers may face issues is crucial. Common complaints include challenges with premium payments, claim denials, and difficulties contacting customer service.

Resolutions

When complaints arise, Liberty National takes prompt and fair action. A dedicated customer complaint resolution team investigates issues and collaborates with customers for a satisfactory resolution. This commitment to resolving concerns underscores Liberty National’s dedication to customer satisfaction.

Affiliations and Partnerships of Liberty National Life Insurance Company

Liberty National Life Insurance Company has strong affiliations and partnerships with various organizations, enhancing services and benefiting clients. Notable partnerships include:

National Association of Insurance Commissioners (NAIC): Active participation in NAIC ensures Liberty National aligns its policies with industry standards and consumer interests, promoting effective insurance regulation and consumer protection.

National Association of independent insurance Agents (NAIIA): A close relationship with NAIIA, representing independent insurance agents, allows Liberty National to reach a broader audience through diverse distribution channels, benefiting clients.

Health Insurance Portability and Accountability Act (HIPAA) Alliance: As a member of the HIPAA Alliance, Liberty National ensures compliance with strict privacy and security standards in handling protected health information (PHI).

Council for Affordable Health Insurance (CAHI): Active membership in CAHI, a non-profit advocating for affordable health insurance, reflects Liberty National’s commitment to providing accessible and cost-effective health insurance options.

Better Business Bureau (BBB): Maintaining an A+ (Excellent) rating with BBB showcases Liberty National’s dedication to ethical business practices and consumer satisfaction. This commitment ensures fair and transparent services for customers.

Benefits of Joining Liberty National Life Insurance Company

Competitive Rates for Comprehensive Coverage

Liberty National Life Insurance Company is renowned for offering competitive rates, ensuring clients can access comprehensive coverage within their budget.

Diverse Range of Insurance Products

The company provides a diverse range of life and supplemental health insurance products, giving clients chances to choose options that align with their specific needs and risk factors.

Financial Strength and Assurance

Backed by an A+ (Superior) rating from A.M. Best and an AA+ (Very Strong) rating from Standard & Poor’s, Liberty National maintains a robust financial position. This assurance gives clients confidence that the company can fulfill obligations and provide ongoing coverage.

Exemplary Customer Service

Committed to excellent customer service, Liberty National has a dedicated and experienced team addressing clients’ questions and concerns promptly and effectively.

Efficient Claims Process

The claims process is designed to be simple and efficient, ensuring clients receive timely reimbursement for eligible expenses.

Flexible Payment Options for Convenience

Liberty National offers versatile payment options, including monthly, quarterly, semi-annual, and annual payments. This versatility makes managing insurance costs convenient for clients.

Innovation in Insurance Solutions

Staying at the forefront of the insurance industry, Liberty National continuously explores new products and services to meet evolving customer needs.

Community Engagement and Social Responsibility

Actively supporting various community initiatives and charitable organizations, Liberty National demonstrates a strong commitment to social responsibility and making a positive impact.

Reputation for Reliability and Integrity

Earning a strong reputation for reliability, integrity, and customer satisfaction, Liberty National is a trusted choice for individuals seeking comprehensive insurance solutions.

Peace of Mind Through Financial Protection

By getting coverage through Liberty National, customers gain peace of mind, knowing they and their loved ones are financially protected against unforeseen events and potential medical charges.

Frequently Asked Questions (FAQs)

Q1: What types of insurance does Liberty National offer? A: Liberty National offers a range of insurance services, including life insurance and specialized products tailored to individual needs.

Q2: Can I customize my premium payment frequency? A: Yes, Liberty National provides flexibility in payment options, allowing clients to choose between monthly and annual plans.

Q3: How long does it take to process a claim with Liberty National? A: The processing time for claims varies, but Liberty National strives to streamline the process for a timely resolution.

Q4: Are there any ongoing discounts or promotions for clients? A: Liberty National frequently introduces discounts and promotional offers, giving cost-saving chances to its clients.

Q5: What customer support channels does Liberty National offer? A: Liberty National ensures reachable customer support through various channels, including phone, email, and online platforms.

Conclusion

In conclusion, Liberty National Life Insurance Company stands as a trusted entity in the insurance sector. With a robust history, a diverse range of services, and a commitment to customer happiness, Liberty National continues to be a trusted partner in protecting the financial futures of individuals and families.

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