Liberty National Life Insurance Company REVIEW: Customer Satisfaction Commitment. Liberty National Life Insurance Company has been offering affordable life and supplemental health insurance through in-home and workplace sales. Providing local, one-on-one service to customers since 1900. While automation is the way of the today's world, it won't replace our individual attention to Liberty National policyholders.

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*UPDATE: Recognized by Ripoff Report Corporate Advocacy Program as a safe business service Liberty National Life Insurance Company pledges to always resolve any issues, feel safe, confident & secure when doing business with Liberty National Life Insurance Company.

Thank you for posting this report. I was "hired" last Wednesday and was to start tomorrow. I have an opportunity for another job, which I told the Branch Manager about up front; and he almost had me convinced that that opportunity would "limit my potential" and that I would be better off coming to work for Liberty National. My recent recruitment exactly matches the description of how others have been recruited and misled in these reports. I almost "Drank the Koolaid" (which is a term I heard over 50 times during the recruitment seminar) but it started tasting funny when I got an assignment to go home and "make up a list of 150 people I know to bring in with me on Monday" when I started. Because of that, I decided to research on the web, came to this site, and quite possibly saved my career. I'm accepting the "limited" 70K salary career with benefits so that I can leave work at work and spend time with my wife and children. I'm not saying that people shouldn't consider working for Liberty National; I would just encourage you to do your research and if you have other options, weigh them heavily and prepare for the Branch Manager to try and dissuade you from exploring them.

I was introduced to the world of Insurance and needless to say I was appalled! I had a short stint with Liberty and it was a joke needless to say. 

First, all the guys that are sticking up for them obviously have only been there a short time and will figure out before to long that they should have went to the Diesel Driving Academy.  The Branch I was affiliated with started out with ten agents and now only one of those agents are still around only because she rides the coat-tail of her family member.  You will soon learn the name of the game in the Insurance business is using you the Agent for the people you know!!  It is what it is.  They hire you knowing that the first people you are going to target are your acquaintences.  That is why they have such high turnover and are continually having recruiting seminars.  DO NOT DO IT!!  It is bad business!! 

Second, think about all the other Agents before you that have gone into the businesses you are getting ready to walk in to.  There are no boundaries or territories in this business.  So an individual who sells in Oklahoma can get a license in Texas and sell there as well.  How does it feel when you walk into a place of business and 3 other Agents from Liberty have already been in trying to set up a Section 125?  This is reality.  You may be the best salesperson to ever walk this Earth, but I can assure you, you will not succeed in that environment for long.   There are success stories and they will surely promote them at their "Brainwashing" seminars.  These guys will stand up and tell you how much they have made and they cry and tell you that you can do the same.  This is the same guy that just screwed a family out of paying their electric bill for the month by taking out some needless Insurance that they could not afford.  Sound familar??

Third, there is NO training!! We will refer back to my first point.  They are not interested in training you because they know you will run to the people you know.  I have trained some of the best salespeople around in my Industry and the common factor is continually pushing them to gain more knowledge and introduce situations that may come up during a sales call.  If a person has never been in sales before, how are they going to know the sales process from start to finish?  You have to know your products as well as the competitions products and know how to overcome objections.  The only successful sales people are the ones that are complete with all the tools in their toolbox needed to do their job.  I went to a "training" seminar in Dallas for new Liberty Agents and I am not sure that I once heard anything useful that I could use in a sales presentation.  I did hear the so-called "President" of the Company, we will call him "Alvin" or "Theodore" or whatever, just going through the room slamming people and daring someone to challenge him.  There was no appreciation or motivation that came out of that meeting!!  The only thing I got were some really cool jeans from Macy's! DO NOT DO IT!!!!

In closing, people, everyone is hurting at this point due to the Economy and basically because we are unsure of our future!  If I can give you the best advice you have ever been given, stay away from being employed by an Insurance Company.  Unless you can get an interoffice job with salary, STAY AWAY!!  I have bills and you have bills and we all struggle sometimes. The old saying that "if it sounds to good to be true," well, you know the rest.  The Insurance business and Liberty National will not be a career that you will have for a lifetime.  Businesses do not like Insurance Agents coming in to see them!!  If you are even remotely thinking about doing this, go find 3 businesses in your town and walk in just like a salesperson.  Ask for the decison maker, because that is what good salespeople do.  See if you can get past the "Gatekeeper" after you tell them you are wanting to sell them payroll deducted insurance.  GOOD LUCK!!!

John in Huston:  You seem to want to blame others failure on not working hard and not knowing how to sell.  That is not the case with me.  I have been in sales more than 30 years and have been #1 out of 131, #1 out of 92, #1 out of 37 and produced 70% of total sales in  company of 3 sales reps.  I have also been the top new account producer with two of these companies and the first rep to have annual volume over $1 million with one.  With one, I had the largest average invoice of all sales reps (131), almost double that of any other sales rep.  I certainly know how to sell and certainly know how to work hard.  However, despite the hard work and know how, I am not making a decent living with Liberty National.  I'm struggling just to pay my utilities.  I don't have rent or a mortage or car payments so my load is light.

This is not a job for anyone without deep pockets.  It is an expensive company to go to work for.  I have probably spent more money to work for this company than for all other companies I have worked for combined!

Probably the most amazing thing is that the company almost seems proud that they do absolutely no advertising at all!  Advertising makes companies successful but LN absolutely rejects the idea that it could help their agents!  Other insurance companies are eating LN's lunch with their advertising such as AFLAC with their duck commercials and AFLAC is the competitor I run into most often.  Apparently it works.  Not advertising simply puts the entire burden on the agent and it's an onerous burden to be sure.

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I'll agree with you that training is abysmal.  I've worked in sales with a number of small companies and they all had better training programs than Liberty National.  I've been the top sales representative with several national and regional companies but it looks like I won't be more than minimally successful with Liberty National.  With their resources, they should have a world class training program.  Instead, they have virtually no training program for such a difficult product to comprehend.

Also, count on spending several hundreds of dollars (or thousands) to work for this company.  You will have to have a (relatively) new laptop computer and a GPS plus appropriate attire and suitable automobile.  You'll probably be driving 100 miles a day at your expense.  It is unlikely that you'll make enough money in the first few months to off-set these expenses and have anything left over for your family.  I've probably spent more than I've made with Liberty National.

You'll also be expected to service accounts you didn't get compensation for.  There was one that was almost 100 miles away that I had to service with no expectation of any commissions.  It was a four hour drive both ways but I had to do it.  Usually companies pay a base salary for sales people to handle these accounts.  Not Liberty National!  This is a straight commission job!

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First of all, Liberty National Life Insurance is a Great company to work for! I have been here a short 5 months and everything they told me has been spot on so far. I decided after having to close a business of which my husband and  I owned for 15 yrs last year due to the economy, I needed a new career and needed something that allowed me to help people as much as I could help myself. This is not a fly by night company, They have been around since 1900. We are one of the oldest and most knowledgeable insurance Companies out here. We (Liberty National) are still around for a reason! We are honest with our clients, we do a good job at meeting the needs of the people whom we serve, and that is more so our job than anything else, servicing our clients in a manner that supplies their insurance needs, nothing more, nothing less.

I totally believe this is the best company to work for. They give you every opportunity to do well! Their employee process is in my opinion one of the best. Basically they train you, give you the knowledge you need to succeed and then if that were not enough, your manager goes out with you in the field and gives you hands on training. You cannot ask for better than that! As in any job there are good managers and there are not so good managers, obviously you did not have a good manager, which only reflects on that manager, not on the company as a whole. I hate that you had a bad experience, I wish you could have had a manager as knowledgeable as mine. This is a Great Company and I plan to be here for a very long time! I have done well and plan to continue to help as many people as I can. I wish you would reconsider and give Liberty another try, just choose a better manager and you would do well also. Your manager should have gone over the pay scale and ow it works much better than what it sounds like. There are some times when you just have to say, I need! Always ask for better instead of giving up! This company has changed my life, and I love my new career with Liberty National and would not be anywhere else! Liberty National can and does deliver exactly what they say, "A chance to not only make money, but to help people". The only other thing I would tell you is "No matter what career you choose, always read everything that is handed to you more than one time, and give it everything you got and then some. This is the secret to success, be in it more for the people than for yourself and God will bless you with tremendous success!  

I received an email from a former employee of Liberty National, warning me that my name and email had been entered into a database of theirs via a job-searching website where I had submitted my resume. I was, of course, concerned that this could be some sort of trick on the company's behalf. I ignored it and forgot about it until I received emails a few days later from Liberty National, from a chief executive officer who I shall leave unnamed, stating that my resume had been received by Liberty National, and they would like to talk to me about a career opportunity.

I was skeptical of this for several reasons. I just graduated from high school only three months ago, and it is quite clear to anyone who reads my resume that I have absolutely no job experience. It struck me as odd, therefore, that a supposedly reputable company like Liberty National would attempt to recruit me; if the chief executive officer had actually read my resume, I have no doubt that he would not have contacted me.

What could an insurance company want with an inexperienced high school graduate? The chief executive claimed that I could "advance into management quickly" if only I met the requirements of "an entrepreneurial spirit, hard work and dependable transportation," but I couldn't help but think back to the email I had received from the former employee, warning me that "the managers get a bonus for every warm body they get in the door regardless of whether or not you continue employment with them."  

It is not so hard to believe that getting a job at Liberty National doesn't require past experience, as long as one possesses the type of dedication needed for such a job--it seems to me that anyone could make it through the training. But I find it difficult to trust a company whose vouching employees lack basic grammatical skills, and whose reputation definitely precedes it. While I'm sure Liberty National isn't quite as bad as this original report makes it seem, because I'm sure everyone's experience with the company is different, and there are a hundred different factors that can affect someone's experience, and anyone's opinion can be influenced either positively or negatively by that experience, I find it exceedingly difficult to believe that I could be an asset to Liberty National; I do believe what I have heard about this company's less-than-admirable treatment of its employees, if nothing else. 

I will not be returning any phone calls I have received from Liberty National. As inexperienced as I am, I feel I would be far more under-equipped for a job that apparently requires quite a lot from its employees. I don't believe a company that requires employees to put in far more than they would get out is somewhere I want to be.

I started at Liberty National approximitely 4 months ago with no expeience in sales. it has been my expieience that everyone in the office will help you . the key word is help. not do your job for you. They tell you you can be in management in 8 weeks which is possible if you have a background in sales or know a lot of people willing to help you to the top. i have been offered as much training as i can absorb.

I am just now reaching my 40% mark for the first time. i was close one time before. but fell off bonus. i could have quit and blamed the company. but instead i sucked it up and worked a little harder. and with a little help i have achieved my goal.

I was in buisness for myself for 20+ years and in that buisness no one paid for anything for me 0 -  Nada  . at Liberty National they have furnished me a product i believe in Training help in the field they have taught me to prospect and close a sale. They teach everything but desire.

There are successful people in all trades you usually get out of any job what you put in it. if you want to succeed at Liberty National. stick with the program and you will. If you want to Whine you can dom that where you are at.

Ps i am a below average sales person with an above average income.

I understand your frustrations, but there is the possibility that other factors may have contributed to your discouragement and ultimate ending of your relationship with the company. There are several people in the company that can show they are very successful doing this type of work and with this company. It's hardly fair to say that the opportunity is not a good one. Your situation can not be viewed as typical or prevalent. I feel that you probably had a number of obstacles that you found very difficult to overcome - ie: your inexperienced manager and the fact that you may have been new to the business and/or company.

This business is not for everyone and there are certain skills required to become good at it - the main one being perseverance. Their website also shows that an agent earned over $300,000 the first year. I'm sure that is the exception to the rule, but nevertheless, it was done in 2009. Sales in general is all about attitude and perseverance. It's a little naive to think that one can become a top producer with no or very little experience and/or skills - even if the company provides daily training. If it were that easy, everyone would be doing it.

If you have the desire to do this for a living, I would encourage you to study all you can about sales and insurance and talk to people who are already successful at it. What you may discover is that there were some things that, if you had known them, would have greatly increased your salary. Then your reaction to this AWESOME opportunity would have been more positive.

Good luck in your endeavors

I am a current employee with this company and I have to say that I regret the day I came on board!

First of all, the supporters of this company do not hesitate to offend/insult those with legitimate complaints by calling them lazy, poor sales person, or other negative remark.  Well, I've been in sales for many years and have ALWAYS been a top performer with the awards and commendations to prove it!  After being down-sized due to the current economic trend in this country, I was looking for something great.

After posting a current resume on several sites, I was called the very next day and told that they had seen my resume online and wanted to bring me in for an interview.  I was coming in for a management position!  With my background, I was not surprised.

The first warning sign I observed (but like a fool did not heed) was the "group interview" conducted by the branch manager.  The recruiting speech was awesome and knowing that income claims that can't be backed up are illegal, I fell for it!  Sure there are some folks earning 6-figure pay and the average first year agent in 2008 supposedly made over $60K - but in reality what I've found is the NORMAL income level is MUCH smaller and at the LOWER end of the spectrum.  This is particularly true when - contradictory to what others have commented previously - the greater majority of the folks that I have spoken to do NOT want the "bank budget" draft from their accounts - they feel they lose control of their finances and when they want to cancel they have found problems in getting the drafts stopped.

The next warning sign was when I was literally rushed through the electronic signature process and despite numerous requests (with witnesses) for print-outs of these documents, I have yet to receive them - and that's been over four months ago!  Also, in spite of several requests (again with witnesses) for a copy of my Agent Contract that would spell out my commissions, Production Standards and other very important information I would need - there has been NO copies supplied!

As for training?  Ha - I was given a quick demonstration on how to get in to the online training program and expected to learn from that - then was placed under a Unit Manager who admitted to me and another agent that his training consisted of "being thrown in the fire and learn it the hard way" by his Unit Manager!  Talk about the "blind leading the blind"!!!

Now comes the other twist - for those who talk about "us" being lazy and not willing to do the work?!?!  Mondays consist of "office days" with a morning meeting that lasts from from 1 1/2 - 3 hours - depends upon the amount of BS we're to endure!  Then we break for lunch and come back for the "Call Clinics" - which are two hours of calling companies and doing a "Worksite Survey" so you can make a personal visit and try to sell them on payroll deduction; then two hours of recruiting calls in which you use a script and lie to them saying "your branch manager saw their resume on (specific site printed by their name) and wants to bring you in for an interview" (which is the same lie I fell for since they do NOT look at your resume); and finally two hours or more calling leads in the hopes of setting appointments for individual policy sales.

With Mondays exhausted for this inefficient process, you would expect management would leave you alone to go out and conduct business - but not us!!  We are expected to submit a daily activity report to management - mandatory and nothing more than a micro-managing tool that negatively affects production!  Thursdays are cut in half due to half-day trainings in the office - most of the time nothing more than discussing some of the same material covered on the Monday meetings.

Well, for you name callers, I spent 9 to 12 hours a day and five days a week, burning up my cell phone minutes, burning up $200 or more a week in gas, only to be told by prospects that "with the economy as it is, we just can't afford to make this kind of committment right now" or some other reason.  Of the few policies I could write, it has not been enough in money or quota to make this a viable job - let alone a career!  To add insult to injury, we were recently informed that the company is restructuring its compensation plan and the cuts have inflamed our office - no one is happy with the information passed on.  As if it isn't hard enough to make a buck with this company, now they're planning on taking away even more income potential.

As a college graduate - 4-year degree - and lots of experience in both sales and management, this is the biggest joke of a company I've ever been involved with.  Many business professionals that I've networked with recently - both in and out of the insurance industry - are shocked at what we are experiencing.  With the recent changes coming in compensation and the advice of others - this is one person who won't be wasting any more time, money or sweat on this rip-off company.  If Andy King is the culprit, the stock-holders need to fire his butt and quick - but my advice to anyone considering this company - find another one because EVERYTHING negative I've read on this site has been true to the core and I have yet to see evidence from anyone that proves the positive claims.

You can sign me off as "disgusted and glad to be gone"!!