Liberty Mutual Life Insurance Review (Quotes Comparison & More)

UPDATED: Mar 26, 2020

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Key InfoCompany Specifics
Year Founded1912
Current ExecutivesCEO – David H. Long
CFO – Dennis J. Langwell

Number of Employees173
Total Sales / Total Assets$39,409,000 / $539,605,925
HQ Address175 Berkeley St.
Boston, MA 02116
Phone Number1-800-410-7483
Company Websitewww.libertymutual.com
Premiums Written – Individual Life$55,255,022
Financial StandingPremiums Written Decreased by 95% from 2017 to 2018
Best ForQuick Online Quotes and Term Life Insurance

You may be wondering how to start shopping for life insurance. It’s not usually on the top of your mind when you’re starting out in life.
It can be overwhelming, but it becomes more important as you get older and take on more responsibility — getting married, buying a home, and maybe having children.
Suddenly, protecting the people who depend on you becomes a clear priority. That’s where life insurance comes in.
Learn about life insurance and how to decide on what kind of insurance you need by reading this comprehensive review of Liberty Mutual.
We’ll focus on their policies, but the information here will help you no matter which company you choose.
Ready to get started? Click above for a FREE life insurance quote.

Table of Contents

Liberty Mutual’s Ratings

Third-party ratings offer a snapshot of Liberty Mutual’s financial strength, predicted stability, and the quality of its customer service.

A.M. Best

A.M. Best has been providing credit ratings for insurance companies since 1899 and has a unique standing for measuring the financial strength of insurance companies over time.
Liberty Mutual’s rating of A was reaffirmed in May 2019 for the 12th consecutive year meaning Liberty Mutual has an excellent ability to meet its obligations to policyholders.
In addition, A.M. Best predicts a stable outlook for Liberty Mutual for the foreseeable future.

Better Business Bureau (BBB)

Liberty Mutual has been accredited by the BBB since 1931. It currently holds an A rating, indicating that the BBB believes the company acts in an exemplary manner towards its customers.

Moody’s

The first credit rating agency in the United States, Moody’s provides credit scores for corporations based on a cross-analysis of factors such as previous performance.

Liberty Mutual scores an A2 (Good), meaning that while it’s a reliable company with good financial security, some factors suggest the potential for difficulty sometime in the future.

The outlook for this rating is stable.

Standard & Poor’s (S&P)

Standard & Poor’s A rating indicates that the agency believes Liberty Mutual is strong financially but is more likely to be affected by adverse business conditions than insurers with higher ratings.

NAIC Complaint Index

The National Association of Insurance Commissioners (NAIC) gathers statistics about consumer complaints on insurers and publishes those numbers online.
The NAIC website allows you to compare the numbers and subjects of complaints made against insurance companies. The complaint index operates around a midpoint of 1.00.

Both Liberty Mutual’s individual life insurance and group life index is 0.00.

This illustrates a significantly smaller-than-expected rate of complaints in the life insurance area, despite higher-than-expected ratings as a company overall.

Company History

Liberty Mutual was originally created as a provider of worker’s compensation insurance in July 1912.

The company quickly grew, expanding into auto insurance in 1918 and continuing to grow from there.

Today, Liberty Mutual provides a wide variety of insurance services, covering areas from flood insurance to pet insurance.
Photo of Liberty Mutual's first home office in Boston in 1937
The company expanded into international markets in 1973, but its headquarters remains in Boston, Mass.

Liberty Mutual’s Market Share

Life insurance is just one of many types of insurance offered by Liberty Mutual. The following chart compares their market share in this specific area to the top 10 insurers.

RankCompanyMarket Share
1Northwestern Mutual Group6.42%
2Metropolitan Group6.00%
3New York Life Group5.68%
4Prudential of America Group5.57%
5Lincoln National Group5.36%
6Mass Mutual Life Insurance Group4.19%
7AEGON US Holding Group2.94%
8John Hancock Group2.83%
9State Farm Group2.83%
10Minnesota Mutual Group2.70%
125Liberty Mutual – Life0.03%

Liberty Mutual has struggled in terms of national market share in the recent past, though overall, it remains a financially strong company.
The company saw a drop from $1.9 billion in direct premiums written in 2016 to just $55.25 million in 2018.
In January 2018, Liberty Mutual announced it would sell its life insurance and disability division to Lincoln National Insurance. Thus far, the business name remains the same.
The company says of this transition:

​Effective May 1, 2018, Liberty Life Assurance Company of Boston (“Liberty Life”) became part of Lincoln Financial Group upon completion of a purchase and sale agreement between Liberty Mutual and The Lincoln National Life Insurance Company (a Lincoln Financial Group company). The ownership change does not change the terms and benefits of life insurance or annuity policy contracts issued by Liberty Life.

Liberty Mutual life insurance is distributed by​​ Liberty Life Assurance Company of Boston and sold through the Liberty Mutual website and Liberty Mutual brokers.

Liberty Mutual’s Position for the Future

Following Liberty Mutual’s relatively recent transfer of the backing for its life insurance products, the financial future of the life insurance division is currently in a state of flux.
Despite this, the company’s overall trend is for continued growth, as the major credit agencies’ ratings indicate.

Liberty Mutual’s Online Presence

Liberty Mutual has a strong online presence, with a well-developed, accessible webpage and a variety of social media accounts.
Liberty Mutual is active on both Facebook and Twitter, as well as on Instagram.
Screenshot of Liberty Mutual Facebook page
Facebook is a viable way to communicate with Liberty Mutual, as well. A representative typically replies within moments and a bot is available in off-business hours.

Liberty Mutual’s Commercials

Liberty Mutual’s commercials usually promote their auto insurance. The duo of Limu Emu and Doug are easily recognizable, as are their “boardwalk” commercials.

You’ve probably seen this one, too.

Despite the focus on car insurance, these commercials are Liberty Mutual’s main method of promoting all of their insurance lines.

Liberty Mutual in the Community

Liberty Mutual makes a point of contributing to the communities in which they’re active.
They have three main issues to which they dedicate both money and hours: accessibility, homelessness, and education.
Screenshot of Liberty Mutual Twitter feed
The company boasts donations of $52 million and 2.6 million hours to various organizations through the Liberty Mutual Foundation.

Liberty Mutual’s Employees

Liberty Life Assurance Company of Boston has 173 employees across all of its corporate locations in addition to 50,000 agents across the United States.
While 55 percent of employees would recommend the company to a friend, often citing the work/life balance as a huge plus, there have also been some complaints about middle management.

Liberty Mutual receives a 100 percent rating on the Human Rights Campaign Foundation’s Annual Scorecard on LGBTQ Workplace Equality in both 2018 and 2019.

They also received two awards from Forbes in 2018 — America’s Best Employers for Women and the Best Employers for New Grads awards.

Shopping for Life Insurance

The first step is to learn the basics of what life insurance is and what it can do.

Many people have life insurance through their employer, but that’s usually for a minimal amount and typically ends when employment ends.

It’s common for people to decide they need an additional policy to ensure their loved ones are cared for in the event of their death.
A financial professional will help determine exactly how much coverage will meet your specific needs. Some of the costs people use life insurance to cover after their loved one dies include:

  • Funeral expenses
  • Medical bills
  • Mortgage balances
  • Personal loans
  • Credit card debt

Who should buy life insurance?
Short answer: almost everyone. Parents, especially, appreciate the peace of mind life insurance gives them that, if the unthinkable happens, their children will be taken care of financially.

Even if you don’t have children, life insurance can be a worthwhile investment. A life insurance policy helps cover funeral expenses and any outstanding debts you leave behind.

If you’re living the single life with no spouse or kids, a life insurance policy can protect anyone who cosigned a loan with you, such as parents cosigning a private student loan or first mortgage.
For married people, funeral expenses and medical bills can strain a couple’s budget. But a life insurance policy can pay those, too. And of course, when you have children, the expenses in life increase.
And people often want to leave their loved ones with more money than needed to cover the basic expenses. Types of permanent life insurance can help you do that.

Average Liberty Mutual Male vs Female Life Insurance Rates

This table compares rates for a 20-year, $100,000 term life policy at Liberty Mutual to the average premium charged by the top 10 life insurance companies in the country for the same policy.

DemographicLiberty Mutual
Annual Premium: Male
Compared
to Top 10 Average Annual Premium: Male
Liberty Mutual
Annual Premium: Female
Compared
to Top 10 Average Annual Premium: Female
25-Year-Old Non-Smoker
$265.28+ $86.74$212.76+ $52.18
25-Year-Old Smoker$406.08+ $84.32$299.16+ $50.41
35-Year-Old Non-Smoker$288.36+ $103.32$241.92+ $76.01
35-Year-Old Smoker$468.72+ $108.49$389.88+ $103.17
45-Year-Old Non-Smoker$468.72+ $200.83$384.48+ $144.23
45-Year-Old Smoker$1033.56+ 396.05$765.48+ $272.28
55-Year-Old Non-Smoker$1146.96+ $622.01$804.60+ $397.66
55-Year-Old Smoker$2490.48+ $1126.48$1667.52+ $675.89
65-Year-Old Non-SmokerN/AN/AN/AN/A
65-Year-Old SmokerN/AN/AN/AN/A

As you can see, Liberty Mutual policies tend to be more expensive no matter your gender or whether you smoke.
The gap only increases as the policyholder ages, to more than twice as much in some cases.

Coverage Offered

When deciding what type of life insurance to buy, consider your life stage, how long you’ll need coverage, and whether you want the opportunity to build the cash value of your policy.
Let’s take a closer look at the different types of policies and which ones Liberty Mutual offers.

Types of Coverage Offered

Each type of life insurance has its own advantages, with the primary benefit of term life insurance being its affordability. However, permanent policies can be advantageous if you’re looking at life insurance as an investment.
Liberty Mutual sells a broad range of term and whole life policies, both simplified issue and fully underwritten.

Simplified issue plans don’t require a comprehensive medical exam and are not fully underwritten, so the application process for them is expedited.

However, they may also be more expensive and to qualify, you must meet certain criteria.

Term

Liberty Mutual’s Passport series policies are issued for 10-, 15-, 20-, or 30-year terms.
They’re available for people as young as 18 years old, but the cutoff age decreases as the term increases. So, while a 70-year-old would be able to buy a 10-year policy, anyone over 50 would be ineligible for a 30-year policy.
The Passport series policies carry a minimum face amount of $250,001 (maximum $1 million) and a minimum annual premium of $150, which increases each year.

  • The death benefit will never be less than the guaranteed amount agreed on at the time of purchase.
  • You can’t borrow from these policies, nor do they earn interest.

Liberty Mutual also offers its Passport series through the simplified issue process. The primary difference in policies is the minimum face value of $50,000 and maximum of $250,000.
Liberty Mutual website 10-minute approval screen
They do, however, have a built-in conversion guarantee, meaning that you can convert one to a permanent policy with Liberty Mutual without further evidence of insurability.

Liberty’s living benefit is an accelerated death benefit rider that’s automatically added to the Passport policies at no additional charge. This enables the policyholder to receive cash advances against the death benefit if they’re later diagnosed with a terminal illness.

Other riders available for an additional fee include:

Typical Optional Riders Available With Term Life Insurance
RiderBenefit
Children's Protection Rider Extends coverage to the insured's children for length of policy.
Accidental Death & Dismemberment BenefitPays a benefit if you die or lose a limb in an accident before policy term ends.
Disability Waiver of Premium Allows you to skip premium payments, without penalty or cancellation of your policy in the event you become significantly disabled.

Term policies are what most people think of when they think life insurance, but there are other options, too. Let’s look at Liberty Mutual’s permanent policies.

Whole

A popular alternative to term insurance is permanent life insurance, which lasts the lifetime of the policyholder.
Whole life is a type of permanent life insurance that offers financial benefits during the policyholder’s lifetime and can form a foundation for financial security. Whole life insurance includes fixed premiums that don’t increase over time and a guaranteed death benefit.

Your age at purchase will determine the maximum death benefit available to you at Liberty Mutual. These plans are available for people ranging in age from 15 days to 90 years.

Their most popular whole life product is the straightforward Liberty Series Whole Life™ policy.
With this plan, you’ll pay premiums until age 100. These policies have a minimum face value of $15,000 and a $250,000 maximum up to age.
Liberty Mutual offers two variations on this basic policy. The chart below summarizes them.

PolicyEligible Ages for IssueMinimum
Face Value/
Maximum
Face Value
Minimum Annual Premium/
Payment Time Frame
Liberty Series Whole Life – Fully Underwritten15 days to 80 yearsAge 0–65: $250,001/$1,000,000
Age 66+: $15,000/$1,000,000
$150/Payments made through age 100. Death benefit guaranteed if no loans or withdrawals are outstanding.
Liberty Series Whole Life – Simplified Issue15 days to 65 years$15,000/$250,000$150/Payments made through age 100. Death benefit guaranteed if no loans or withdrawals are outstanding.
Liberty Series Whole Life Paid-up at 65 – Fully Underwritten15 days to 55 years$250,001/$1,000,000$150/Payments made through age 65. Death benefit guaranteed if no loans or withdrawals are outstanding.
Liberty Series Whole Life Paid-up at 65 – Simplified issue15 days to 55 years$15,000/$250,000$150/Payments made through age 65. Death benefit guaranteed if no loans or withdrawals are outstanding.
Liberty Series Whole Life 20 Payment Life – Fully Underwritten15 days to 90 yearsAge 0–65: $250,001/$1,000,000
Age 66+: $15,000/$1,000,000
$150/Payments made for 20 years. Death benefit guaranteed if no loans or withdrawals are outstanding.
Liberty Series Whole Life 20-Year Payment Life – Simplified issue15 days to 65 years$15,000/$250,000$150/Payments made for 20 years. Death benefit guaranteed if no loans or withdrawals are outstanding.

Liberty Mutual also offers a stand-alone policy they call the Liberty Series Estate Maximizer Next Generation®. This is essentially whole life insurance you purchase with a single payment.
The insurance is then yours for your lifetime. This plan is primarily of benefit in estate planning.

The variation in the payoff time frame can affect how you’re able to use the investment, or whether it would be financially wise to access any of the funds while still living.

A financial advisor can help you decide which best suits your needs.

Factors That Affect Your Rate

A 2018 Life Happens study found that half of all consumers reported being more likely to buy life insurance if they could buy it without a medical exam.
Consumer demand is pushing the industry in that direction, and Liberty Mutual’s large offering of simplified-issue products reflects that.
However, underwriting remains a key factor in determining how much you’ll pay for a life insurance policy in most cases.

Underwriting is the way an insurance company assesses your chances of early death. The higher the risk you’re considered, the higher your premium.

It’s important to be honest with the underwriter. Any dishonesty is considered fraud and will invalidate the policy.
Let’s look more closely at the most common factors underwriters consider.

Demographics

Demographics are traits we categorized by for statistical purposes, such as age, gender, and marital status.

Age

Increasing age is still the best predictor of death, so the older you are when you purchase a life insurance policy, the higher your rate will be.
This is also something to consider when shopping for term life insurance, as your rates will be higher each time you renew or repurchase it.
For example, the same 20-year, $500,000 contract that would cost a 25-year-old non-smoking man $45.45 a month at Liberty Mutual would cost that same man $123.75 if he were 45 years old.

Gender

On average worldwide, women live about six years longer than men. This is reflected in their slightly lower premiums.

Traditionally, transgender or nonbinary people have had some difficulty getting life insurance, primarily because a lack of research led insurers to act conservatively.

In the absence of real data to help them assess where such individuals fall in regard to mortality rates and risk insurers often accepted only the gender an applicant was assigned at birth.
That is slowly changing, though. As more information becomes available, some companies’ approaches are evolving.
If you’re in this situation, it’s important to find a well-versed insurance agent or financial professional you trust to guide you through the process with up-to-the-minute information.

Current Health & Family Medical History

Statistically, the better health you’re in, the longer you’ll live and the lower your life insurance premiums will be.
When you buy life insurance, one of the first things you’ll be asked to do is complete a health and family medical history form.

Insurance companies want to know if your family suffers from any health issues such as cancer, heart disease, or diabetes that you may be genetically predisposed to getting, too.

Many policies require a thorough medical exam, including blood work. Underwriters may also request consent to access your medical records.
It’s important to be upfront about your health. Underwriters may compare your answers to the information available to them in public prescription and Medical Information Bureau (MIB) records.
What Is the MIB?
The Medical Information Bureau (MIB) tracks health information relevant to life insurers. If you want to know what’s included in your record, you can request a copy of it from the agency.

High-Risk Occupations

Insurance companies consider all the factors that could negatively impact your life expectancy. Some jobs such as police work, piloting, and mining seem obviously high-risk.
But the U.S. Bureau of Labor Statistics notes that people working in construction, roofing, and logging are also prone to relatively high numbers of work-related fatalities.

High-Risk Habits

You might think of a paragliding or rock climbing hobby as high-risk, and the insurance companies would agree with you.
Smoking and tobacco use remain among the most common high-risk behaviors, but insurers also consider less obvious risks.

Smoking marijuana is often looked at as equal to tobacco use by insurance companies, and they’ll test for it, so it’s important to be upfront about that as well.

Underwriters may ask about your travel habits and will often look at your credit history and driving record.

Veteran or Active Military Status

Being in any branch of the military complicates the process of getting life insurance. Sometimes, policies will contain exclusion clauses that apply to service members.
For example, war zone exclusions are common. Some insurance companies won’t sell military personnel life insurance at all, though there are some companies specifically designed for them.
Liberty Mutual website navigation menu
Veterans may also suffer service-related health problems that will impact their eligibility or rates. This is something to discuss with your agent or advisor.

Getting the Best Rate With Liberty Mutual

An unaffiliated financial advisor can help you decide what types of insurance would best suit your needs and see if Liberty Mutual policies are a good fit.
The advisor or agent will ask about your risk factors to estimate how much an insurer will raise your price above base premiums.

Base premiums are largely established using three factors: mortality, projected interest, and the company’s expenses.

Although the NAIC is promoting laws that would create more consistency, base premium rates currently vary from state to state.
To get the best rates available:
Buy earlier in life. Because age is the number one factor affecting policy rates, the younger you are when you buy a policy, the better your price will be.
For example, a 20-year, $500,000 policy with Liberty Mutual for a 30-year-old female non-smoker averages around $442.8‬0 a year, while the same policy will cost $761.4‬0 if she’s 40. That 10-year age difference results in a 72 percent increase.
Manage risk factors within your control. Stop smoking. Many companies require you to be tobacco-free for a year or more before you’re considered a non-smoker.
Losing weight and maintaining a healthy lifestyle will help, too.
Pay your premiums on time. Not doing so will negatively impact your future rate, especially if your policy is canceled for non-payment.

Liberty Mutual’s Programs

Liberty Mutual’s website has a page called “Life Insurance Resources.” Here you can

  • Contact local agents
  • Complete service forms
  • Download documentation for variable universal life policyholders

There are no purely informative pages about life insurance on the site.

Canceling Your Policy

There are many reasons you may need to cancel your life insurance policy.
Your financial situation may have changed, leaving you unable to afford the premiums or in need of the money you’ll receive upon closing it.
Or you may be ready to switch companies and purchase a different policy.
You typically won’t receive a refund of any premiums. A possible exception is if you pre-paid on a term policy, that amount may be refunded.

How to Cancel

Before canceling your policy, read through it thoroughly.

You’ll want to check for any early termination fees associated with your policy, and, for universal policies, look at whether you can retrieve the cash value.

The policy may tell you if you can expect to have any premium payment amounts returned.
Because the process and associated fees for policy cancellation vary according to the laws in your state, Liberty Mutual asks that you call Policyholder Services.
You can reach them at 1-800-451-7065 Monday through Friday from 8 a.m. to 6 p.m. EST.

How to Make a Claim

In the unfortunate event that you need to make a claim against a Liberty Mutual policy, it will be easier with the necessary information.

#1 – Gather the Relevant Information

At a minimum, you’ll need:

  • The full name, date of birth, and state of residence of the insured
  • The life insurance policy number, if known
  • The name of the person reporting the claim and their relationship to the deceased/insured

#2 – Have Your Documents ready

If possible, have the following paperwork handy:

  • Social Security numbers for both the insured and the beneficiary, and date of death
  • A final death certificate for the insured
  • An idea of how you want to receive the disbursement amount (e.g., routing and account numbers)

#3 – Call Policyholder Services

Liberty Mutual can be reached at 1-800-451-7065 Monday through Friday, 8 a.m. to 6 p.m. EST. The online claim option is for home and auto, not life.
The customer service representative will take the information you have and send you the appropriate forms.

How to Get a Quote Online

Liberty Mutual offers you the ability to get a quote online in a matter of moments.

#1 – Visit libertymutual.com

This option is only available for their Passport Term Life products.
Don’t click on the blue “Get Free Quote” box on this page. It will take you to a page for Auto, Home, Renters, and Condo insurance, not Life.

#2 – Select “Shop Insurance” From the Dropdown Menu

Here you see the full range of Liberty Mutual’s products.
Liberty Mutual website shop insurance drop down menu
Make sure you choose Personal Insurance on the very top menu.

#3 – Click “Life” Under “Other Insurance”

This is the third column to the right on the dropdown menu.

#4 – Click the Link for “Get a Quote”

This is the only link that takes you directly to the form for life insurance.
Liberty Mutual website Get a quote link
You should see the form, with an option to calculate coverage. This will help you determine how much life insurance you need if you don’t already know.

#5 – Fill Out the Form

The answer options are limited by the terms of the Passport Term policies this applies to.
Liberty Mutual website Let's Get a Quote screen
Click the green box to see your quote.

#6 – Forward to An Agent

Click “Forward to an Agent,” and one will call you shortly to get your application finalized.
Or, if you want to look at different amounts of coverage, or compare terms, you can choose to change your requested coverage.

Design of Website/App

Liberty Mutual offers a policyholder website. To create your online account, you’ll need your policy number, ZIP code, and full name as it appears on your paperwork. Once registered, you can manage your account online by:

  • Getting an overview of your policy and bill
  • Accessing policy documents
  • Setting up billing preferences, including enrolling in autopay
  • Filing claims and managing those already in progress

The app has a user-friendly appearance on both phones and tablets, Apple and Android.
Liberty Mutual app screenshots in Apple Store
Overall, the app receives high ratings, around 4.8 for both platforms. But the vast majority of people use it to manage their car insurance.
The few reviews by life insurance customers were generally unfavorable, complaining of difficulty making payments and regular attempts to get them to upgrade their policies.

Pros & Cons

As with all major purchases, it’s important to look at the positives and negatives of a life insurance product.

Pros

  • Liberty Mutual is a well-known, financially strong company.
  • All life policies are available through a simplified issue process, which is uncommon with whole life insurance.

Cons

  • Liberty Mutual life insurance policies are among the most expensive on the market.
  • The company’s focus is on automobile and home insurance. Life insurance resources are limited.

The Bottom Line

Liberty Mutual policies are significantly more expensive than average, so comparison shopping is key. But life insurance is a relatively small part of this large company.
This is most evident in the limited accessibility for life insurance services through the website and apps.
However, their simplified issue process is promising, and if they continue to develop that and integrate it more into their online presence, that would offset the disadvantages some.
The company is proactive in hiring diversely and contributing in big ways to the communities where they’re active. There’s a lot to admire in their approach to philanthropy.
Reading reviews like this one is an excellent start when you’re shopping for life insurance. Ready to get some life insurance quotes? Check out our FREE tool below to get started.

Liberty Mutual’s FAQs

Below are some commonly asked questions about life insurance with Liberty Mutual.

#1 – Is Liberty Mutual available in all 50 states?

Yes, but certain aspects of the policies may differ from place to place. For example, the Liberty Mutual death and dismemberment benefit is limited to death only in New York.

#2 – Can I buy a policy at Liberty Mutual without a medical exam?

Yes, Liberty Mutual offers all of its life insurance policies with a simplified issue option. They ask a short series of medical questions and do limited underwriting for these policies.
Not everyone will qualify for these and the premiums are higher than for traditionally underwritten policies.

#3 – Will marijuana use disqualify me for Liberty Mutual policies?

Not necessarily. Each situation is evaluated on an individual basis. Liberty Mutual may offer marijuana users its standard smoker rates because of the associated health risks.
And the underwriter may want additional information about the underlying health conditions being treated with medicinal marijuana.

#4 – Will the face value of my policy continue to grow if I borrow funds from it?

Yes, but the cash value amount that earns interest will be reduced by the amount of the withdrawal or loan.

#5 – Do death benefits go through probate?

If the named beneficiaries are available to receive the life insurance benefit payout, policies don’t need to go through probate.

#6 – Will I be taxed on money I withdraw from a Liberty Mutual permanent policy?

Generally, withdrawals and loans from the cash value of a policy aren’t taxable.
There are a few exceptions, so it’s important to consult with a tax professional beforehand to ensure you won’t be liable for any taxes.

Tim Bain

Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites. You can find him on Twitter.

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