American National vs. Liberty Mutual: Best Life Insurance Company in 2021

When comparing American National vs. Liberty Mutual life insurance, the two insurance companies are similar when it comes to premiums and financial ratings. American National offers a greater variety of life insurance policy choices, including American National annuity policies, but both companies have poor customer reviews and ratings.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jun 9, 2021

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Quick Facts

  • American National and Liberty Mutual are both rated “A” by A.M. Best.
  • Liberty Mutual has fewer life insurance products than American National.
  • American National doesn’t offer guaranteed issue insurance, so you can be turned down for coverage based on your medical history.

Have you narrowed your life insurance options down to American National vs. Liberty Mutual life insurance?

American National and Liberty Mutual Life Insurance Company are both popular choices for life insurance. But what are the costs of life insurance premiums? What policies are there to choose from? What do all the different life insurance terms mean?

Don’t worry; we’ll compare American National vs. Liberty Mutual life insurance quotes, products, and third-party ratings for you in our guide below.

If you’re curious about how affordable American National vs. Liberty Mutual life insurance might be for you, keep reading. And to compare more companies, enter your ZIP code in the comparison tool above to get free quotes from the top providers in your area.

What are American National and Liberty Mutual’s life insurance products?

First, it’s good to know what different life insurance types are out there.

  • Term life: the most basic type of life insurance is term insurance. It only pays out if the policyholder dies during the policy’s term.
  • Whole life: whole life or permanent insurance provides a death benefit when you die.
  • Annuities: investment products that can be used to enhance your retirement income. To fund the annuity, you pay premiums or a lump payment, which earns interest.

Whole, universal, indexed universal, and guaranteed universal life insurance are the types of permanent life insurance policies offered by American National. But American National does not offer guaranteed issue policies, which means you can be denied coverage from them based on your medical history. 

However, Liberty Mutual provides simplified term issue coverage, which can be approved in as little as 10 minutes and does not require a medical exam. The company also offers term life insurance, whole life insurance, and fixed annuities/fixed income.

As you can see, American National offers four types of life insurance policies, while Liberty Mutual Life Insurance Company is limited to three.

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American National vs. Liberty Mutual: How much does life insurance cost?

The cost of a life insurance policy is determined by several criteria, including the amount of coverage you choose, your age, gender, and overall health.

This table shows the average amount males and females can expect to pay per month for a life insurance policy.

Average Monthly Life Insurance Rates by Age

AgeAverage Monthly Rates for a Male, $100,000 PolicyAverage Monthly Rates for a Female, $100,000 PolicyAverage Monthly Rates for a Male, $250,000 PolicyAverage Monthly Rates for a Female, $250,000 PolicyAverage Monthly Rates for a Male, $500,000 PolicyAverage Monthly Rates for a Female, $500,000 Policy
25$11.03$10.02$22.10$12.91$23.19$19.04
30$11.12$10.07$15.31$13.02$23.85$19.26
35$11.12$10.07$15.42$13.02$24.07$19.26
40$12.65$11.12$17.94$15.21$29.10$23.63
45$14.57$13.31$21.55$19.69$36.32$32.60
50$18.60$17.20$30.19$27.02$53.60$47.26
55$24.51$20.61$42.88$34.35$78.98$61.91
60$35.88$27.48$71.10$50.86$78.98$94.94
65$51.06$37.76$109.82$75.14$212.85$143.51
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The best way to find out what insurance will cost you personally is by shopping around and comparing quotes from multiple companies.

American National vs. Liberty Mutual: Which company is more well-reviewed?

Before you buy American National or Liberty Mutual life insurance, it’s a good idea to check each company’s financial strength and customer satisfaction scores.

American National had more than the normal number of complaints from customers. Liberty Mutual Life Insurance Company’s rating from the National Association of Insurance Commissioners shows a higher than the average number of complaints.

What about finances and the ability of an insurer to pay? Positive ratings from independent agencies can reassure buyers that their chosen life insurance provider is financially sound.

The Financial Strength Rating (FSR) scale used by A.M. Best ranges from “A++” to “D.” American National scored an “A” on the FSR scale.

How did Liberty Mutual fare? They have an “A” rating as well, making them equally matched.

American National vs. Liberty Mutual: What’s the bottom line?

American National offers a wide range of insurance types. It may be good to choose this company if you want to bundle car, home, and life insurance together. However, it has more than the usual number of complaints. 

Liberty Mutual is a popular company, but as life insurance is not its main business, it is hard to find information online, and they don’t have a wide choice of policies.

Don’t let your life insurance comparison end with American National vs. Liberty Mutual. Enter your ZIP code into our free tool below to compare affordable life insurance companies near you.

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American National vs. Liberty Mutual: Frequently Asked Questions

Here are some frequently asked questions regarding American National vs. Liberty Mutual life insurance.

#1 – What is the American National Life Insurance phone number for claims?

The American National claims number for life insurance is 1-800-615-7372.

#2 – How can I buy Liberty Mutual life insurance?

You can call the Liberty Mutual customer service number at 1-800-699-6459.

#3 – What is the Liberty Mutual insurance phone number?

You can reach the general Liberty Mutual insurance hotline at 1-800-290-8711.

#4 – How can I log in to manage my American National or Liberty Mutual account?

Navigate to the company website and the American National login and
Liberty Mutual login buttons are both on the home page. You will need your policy number to create an account if it is your first login.

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