Note: Liberty Mutual does not have a price rating, as we were unable to obtain a quote for a 20-year term policy with $1 million coverage, the sample policy we use in our price rating scale.
A closer look at Liberty Mutual
Who is Liberty Mutual best for?
Liberty Mutual’s life insurance offerings through TruStage are best for people who need a small amount of coverage, need it now, and may not qualify for traditionally underwritten life insurance.
What makes Liberty Mutual unique?
It’s rare to get a whole life insurance quote online, but you can do so through Liberty Mutual’s partner TruStage. You can also get covered for either renewable term or whole life insurance without talking to an agent.
Who should consider a different life insurance company?
Most people looking for their best rates for either term or whole life insurance should consider a different company, as fully underwritten policies will almost always be more affordable if you qualify for one.
Also, level term life insurance, which has set premiums for the life of the policy and is the most common and affordable form of life insurance, is not available from TruStage. TruStage’s renewable term’s premiums increase every five years, meaning that coverage that seems affordable now may become unaffordable before your coverage needs end. Additionally, anyone who needs more than $300,000 in term coverage or $100,000 in whole life coverage will need to keep looking.
Liberty Mutual life insurance rates
Liberty Mutual and its partner TruStage do not publish their life insurance rates. Plus, they do not offer a $500,000 20-year level term policy, our standard sample policy for sharing rates. (Their term policies max out at $300,000, and offer a five-year renewable term, not a level term.)
Liberty Mutual’s history, reputation, and social responsibility
Liberty Mutual was founded in 1912 in Boston, and today is the sixth largest property and casualty insurer in the world. 
Today, new life insurance customers are directed to TruStage to complete their life insurance application. Customers who have life insurance through Protective and are looking to purchase more via Liberty Mutual can get quotes for the Protective Series Passport Term policies. 
The company’s ESG pillars include increasing customer resilience, enabling sustainable growth, improving lives and communities, and advancing diversity, equity, and inclusion (DEI).  As part of those initiatives, Liberty Mutual has a company-wide goal to increase representation of women and people of color at all levels in the U.S. by 2025.