Liberty National is a life and supplemental health insurance company that operates as a division of Globe Life Inc., a publicly traded insurance holding company. Founded over a century ago, Liberty National sells policies directly to individuals and families, primarily through a network of local agents who visit customers at home or at their workplaces. The company is now officially branded as the Globe Life Liberty National Division.
How Liberty National Fits Into Globe Life
Liberty National Life Insurance Company is one of several insurance subsidiaries under the Globe Life Inc. umbrella. Globe Life Inc. was formerly known as Torchmark Corporation until it rebranded in August 2019. While the parent company unified its branding under the Globe Life name, Liberty National continues to operate as its own legal entity with its own product lineup and agent force. If you see “Globe Life Liberty National Division” on paperwork or marketing materials, that’s the same company.
This corporate structure matters if you ever need to file a complaint or a claim. Some policyholders have reported confusion about whether their policy falls under Liberty National Life Insurance Company or another Globe Life subsidiary like Globe Life and Accident Insurance Company. If you hold a Liberty National policy, your contract is specifically with Liberty National Life Insurance Company, not the parent or a sibling company.
What Liberty National Sells
Liberty National focuses on two categories: life insurance and supplemental health insurance. None of these products replace major medical coverage. Instead, they’re designed to fill gaps or provide cash benefits for specific situations.
Life insurance options include whole life, term life, final expense (a smaller policy meant to cover burial and end-of-life costs), children’s life insurance, accidental death coverage, and mortgage protection. The company also offers a $3,000 accidental death policy, which is a low-cost, limited-benefit product.
Supplemental health products include cancer insurance, critical illness insurance, hospital intensive care, hospital accident, and general accident insurance. These policies pay a benefit when you’re diagnosed with a covered condition or receive treatment for a qualifying event. They don’t pay your medical bills directly. Instead, they pay cash to you, which you can use however you need.
Liberty National also offers a few non-insurance products: a Child Safe Kit (an identification kit for children), a MedFacts Kit (for organizing medical information), and a Memorial Guide for end-of-life planning.
How the Sales Model Works
Liberty National uses a direct-to-consumer sales model built around local agents. Rather than selling through independent brokers or online marketplaces, the company recruits agents who visit homes and businesses to present policies in person. This is sometimes called a “debit” or “home service” insurance model, a distribution approach that dates back decades.
For customers, this means you’ll typically interact with a local agent who may come to your home to explain coverage options and help you fill out an application. Some people appreciate the personal touch, while others find unsolicited visits intrusive. Premiums on these types of policies can be higher than what you’d find shopping online, partly because the agent-based distribution model carries higher costs. It’s worth comparing quotes from other insurers before committing.
Financial Strength Ratings
AM Best, the major credit rating agency for the insurance industry, gives Globe Life and its subsidiaries (including Liberty National) a Financial Strength Rating of A, which it classifies as “Excellent.” The rating carries a stable outlook, most recently affirmed in November 2025. A Financial Strength Rating measures an insurer’s ability to pay claims. An A rating means the company has strong financial resources to meet its policy obligations.
The Better Business Bureau gives the Globe Life Liberty National Division an A+ rating, and the company is BBB accredited.
What Customers Say About Claims
Financial ratings tell you the company can pay claims. Customer feedback tells you what the experience of getting paid actually looks like, and here the picture is more mixed.
Common complaints filed with the BBB highlight a few recurring themes. Processing delays are frequent, with some customers reporting wait times of several months to resolve a claim. Paperwork issues also come up often. Policyholders describe submitting documents multiple times after being told the company didn’t receive earlier submissions.
Communication gaps are another sore spot. Some customers report going weeks or months without hearing back after calling, emailing, and mailing the company. And claim denials based on policy definitions can catch people off guard. For example, a supplemental accident policy might deny a claim if you didn’t seek hospital treatment immediately after an injury, or if the company determines your treatment was for a sickness rather than an accident as defined in the policy’s specific language.
These complaints don’t mean every claim is difficult, but they do point to the importance of reading your policy carefully before you buy. Supplemental health policies in particular tend to have narrow definitions of what qualifies for a payout. Ask your agent to walk you through exactly which situations are covered and which aren’t, and get clear answers about the claims process before you sign.
Who Liberty National Is Best Suited For
Liberty National’s products tend to appeal to people looking for smaller, supplemental coverage rather than high-value life insurance or comprehensive health plans. Final expense policies, children’s life insurance, and cancer or accident policies are the types of products the company specializes in. If you prefer working face-to-face with a local agent rather than shopping online, the sales model may suit you.
That said, these types of policies aren’t the right fit for everyone. If you need significant life insurance coverage (say, 10 to 20 times your annual income to protect a young family), you’ll likely find better value from a term life policy through a larger carrier or an independent broker who can compare multiple companies. Liberty National’s strength is in the niche, supplemental space where its agent network can explain products that many people wouldn’t think to shop for on their own.