Liberty Mutual Life Insurance Reviews

Liberty Mutual initially responded and advised getting a mitigation service to deal with the damage. After a couple months of back and forth, they said my coverage was limited to $5k, On Feb 6th my basement flooded because a pipe froze and would not allow my working sumo pump to pump water out. The sump pump was in working order, and there would not have been any flooding if the pipe did not freeze.

Horrible insurance company! Liberty Mutual to cover damages for almost six months now. Still nothing has been paid. Claims department is a a joke. David ** that is to you. Just ship over this company, it will save you so much headache down the road.

The worst insurance company. Been a year from them charging me 118.00 a month to randomly without notice 320 with no changes no claim. Just went crazy and because I was on auto pay they just did it without any notice. I canceled policy and 4 months later they were still charging me and it's been a year later and the amount of hoops, loops and forms just to receive 2 months of charges is all they said they will give back. More is needed from audit team for the 5 time. This company is a joke. As a small business owner in state of Florida you will be making a bad, bad, bad choice going with this company. Sad they make all that money and yet have to take from the Li'l small business guy.

Liberty Mutual did not stand behind my claim after the contractors did a terrible job. Liberty Mutual collected their premiums and deductible and refused to assist me in getting the work done correctly after a roof leak. I don't recommend them at all.

7/26/25: A Liberty representative rang my door bell early this morning. Never made an appointment w/ them. I may have requested information to be sent to me, but nothing said a home visit would follow and this was months ago. The guy was aggressive and rude in his ugly green Liberty outfit. I would NEVER purchase anything from Liberty. Their auto insurance sucks too, sued one of their drivers who left the scene of the crime and totaled my car. They have the worst people working for them. I give a negative star.

Too hard to reach someone on the phone and the automated system just isn't people-friendly. I hate it. I feel we as customers should be able to speak to someone without going through all the jumping hoops to get to a real person.

Although the life insurance is an employer-provided plan, I do enjoy the discounted premiums. I find it very affordable and adequate and have the option to purchase more coverage during the open enrollment period.

Like most insurance companies their pricing system is ridiculously volatile. I received a base quote, then another higher quote, then one more higher quote, finally I received another that fit what I needed and the cost actually went down $50 after all the back and forth. My record is 20 years perfect and I just think there should be a standard and not the **. All in all, so far I’m happy with it “but” who knows when this will change.

Let's face it, this is just one of those things that I bought many years ago just to cover my family and I have forgotten about it. I mean it was 10+ years ago. The nurse came out and did our physicals at our house and then we were covered. The only reason I even remember we have the policy is because I see the money deducted from our banking each month. Hopefully I don't have to leave a true review of life insurance for many more years! All I can say is the policy is simply there.

A representative with LM called on me. It was over a year since I requested information by a mail-in postcard I rec'd in the mail in an envelope which lead me to believe it was associated with social security. The rep was at my home for almost 6 hours! I could not get him to leave! He made me feel increasingly guilty when I asked him to leave the info and I would look it over and let him know. He arrived just before supper time. I am an insulin diabetic and after such a long sales pitch I truly believe I was not thinking straight as I hadn't eaten since lunch.

Liberty Mutual, April 9, 2019. Addressing Kia Sportage bought on March 26, 2016. Insurance cancelation on February 13, 2017. Julie canceled Laurelle ** car 2 months after the policy ended and the money was not refunded. The money was put on a Home Policy for the car instead of the Sportage. This was why you canceled the payment schedule and it was wrong. It has been since Feb. 23rd since I had the wreck which resulted in Hospital and Car damages not counting the personal damage it caused to my credit for not being able to perform duties as usual. I am writing you as I owe the bill to Cris at ** just for the parts and labor not including the damage to the front of the car and door. I really feel that you should help with this due to the facts.

Because I had a life insurance policy with LM, I thought to lower my increasing auto insurance with another company by switching to them. This is a lesson in NOT believing advertising. The first rep took my info and set up a policy; when I went to check on it and make the first payment, they had the policy completely wrong. The 2nd rep. supposedly changed the policy but could not send the corrected one for me to sign.

This company is a joke. Someone named Elizabeth case manager don't use her. She shortens your checks. I'm entitled to use this STD first time in 14 years and she messes up every other check making up some excuse. Class action suit needed!!

After my husband died Liberty refused to pay me his spouse because their headquarters were in Illinois not Texas. Texas is a common law state, my spouse and I were common law for 7 yrs and Liberty refused to follow our state law where we lived and from the state we paid for their insurance. Instead they gave insurance to my father in law who bought a new car. And myself and my children were left with debts, mortgage, broken sewer lines and the death of our husband, father and sole provider. We paid 250 a month for what? No insurance nor 401k that my husband paid so his wife And kids could be taken care of. We lost our home, car, everything in the home just trying to pay for everything. They go and gave it to father in law that we saw 1hr a year on Christmas because they say they don't honor Texas state law of common law marriages.

I have copies of a policy, they said it does not exist. The Hewitt customer service say it is not in the system because it lapsed. They sent me a letter of the lapsed policy, however, I never received that letter. I said that never happened, then they said I had to retire from Liberty to qualify for the policy. I received a retirement policy from the Federal government when I left them, so I am not believing them. They will not allow me to have this policy, and I am retired. I just want what I'd rightfully mine, I worked hard for my retirement.

I don't like being lied to. Increased payments. Rude. Take out automatic payments. And take out 2 payments instead so my balance in the negative. Had them for almost 1 year and there will not be a 2 year.

Liberty Mutual is the life insurance company I am with. They offered great policy options, explained them thoroughly and helped me find something that fit my needs and my budget. The staff was very personable and I was comfortable talking with them about what I was looking for. I appreciated the help they gave me and ability to answer all my questions.

Always available to help in any situation I have. I believe I am getting the best insurance possible and certainly feel that we get a reasonable rate on all our insurance needs.

Our family has been insured by Liberty Mutual for years. We have both Auto and Life insurance policies. The representatives are always very helpful and the rates are great. When I had an auto accident a few years back they were very efficient making sure that everything was okay and let me know that if I needed anything to just give them a call. That was a great relief to know that they were genuinely concerned about me and my family, and the process went without a hitch. Thanks Liberty for being there for me and my family.

I really don't have any experience. I got the insurance through my credit union years ago and all I do is pay them through my checking account every month and every year they send me my new insurance cards and my new renewal information. Every now and then I may add a car or take one off but that's about it. Any accidents I've been involved in I was always hit in the rear of the car so I was never at fault and the other drivers' insurance had to fix my car.

Liberty Mutual also carries my life insurance and homeowners along with my auto, they have done so for the last 15 years on all cars and homes I have owned and have provided nothing but great service and I would highly recommend them to anyone.

We have not had to use this company so I cannot comment on much but I do know that we didn't have to have any physical exams or fill out excessive paperwork to be approved for the insurance. The cost is reasonable.

The insurance is suffice to provide final expenses at a cost I can budget. I have had this coverage for over 5 years and have had no billing or service problems with the company.

My life insurance company is purchased by myself through my weekly paychecks with my employer. I'm not sure how to respond to this, as I have not had to use this insurance. I feel quite comfortable with my employer's choice of companies to choose for their insurance. My insurance is Blue Cross Blue Shield. I know from working as a Certified Pharmacy Technician that BCBS has been around for an extensive period of time. I have not heard any negative comments regarding our life insurance company. As a woman working as a CPhT for several years, I have had the opportunity to work with many insurance companies on a daily basis. I would recommend BCBS to anyone, as I have not had any negativity on my own behalf. Thank You.

They are really good and knowledgeable. They have been very helpful in answering any questions or issues I may have had. Also their call center is fantastic as is the website for any problems you may have.

They are very caring and they understand that sometimes you have an emergency and can't pay your premium and they will work with you to make sure your insurance doesn't lapse. They are also excellent with handling insurance claims.

Don't necessarily understand products available or which is best for me at 58 years old. Only want a little insurance -- $25,000-$100,000. Want final burial and a little to let wife throw a party.

I would recommend this insurance to others. I think that it is great for the money I pay for. It will cover all the expenses that need to be paid. There was no physicals to go through before getting this insurance. It covers both my wife and me. The application process was short and to the point. This insurance has a great reputation and is well known throughout the country.

I have term life. YOU are buying just protection so there is nothing complicated. I have a fixed price for 20 years -- approximately $85 monthly for $200,000 in life insurance. The policy still has about 7 years left. After that I have an automatic renewal option but of course I will be a lot older so the price will be out of my range. At that point I will no longer need that much coverage as the mortgage will be paid. If I don't make it, my wife will at least have enough to live comfortable as her social security is not very much monthly.

I hit a deer last year and they promptly got me a rental and let me extend it out until the car was finished and the repair was excellent. No hassles or questions and no rate change.

They have fair rates, and I feel like they care about me and my well-being. They've always been there for me. And the older I get the smaller my Bill becomes. And they guarantee my rate never increases even if I have a new illness or am hurt.

Liberty Mutual, they have been extremely helpful in keeping our premiums low. When I provide lower quotes they match it. They give us suggestions on how to keep our premium cost down such as defensive driving courses and umbrella policies. They have great customer service. Always willing to answer a question. Easy to sign up, make changes. Easy to use website and portal to make changes and check information when I am able especially as I work and am not available during business hours.

I have been with Liberty Mutual insurance co. for more than 40 years. I never had a problem when I had a claim in which they took care of the problem with ease. I have Liberty Mutual for my auto as well as my house insurance and would recommend them to anybody. Whenever I had a claim {not too many} they handled it with no problems.