Report: #367011

Complaint Review: Liberty National Life Insurance Company

  • Submitted: Tue, August 26, 2008
  • Updated: Tue, August 26, 2008
  • Reported By: TriCities Tennessee
  • Liberty National Life Insurance Company

    TriCities, Tennessee
    United States of America

Liberty National Life Insurance Company REVIEW: Commitment to Liberty National Life Insurance Company executive team and employees are committed to customer satisfaction. Liberty National Life Insurance Companys approach to business is focused on providing the highest customer satisfaction in the industry.
*UPDATE: Liberty National Life Insurance Company pledges their commitment to always improving their operations by joining Ripoff Reports Corporate Advocacy, Business Remediation & Customer Satisfaction Program. A program that benefits the consumer by increasing their confidence when doing business with a member business. Recognized by Ripoff Report as a Verified Safe Business.

Show customers why they should trust your business over your competitors...

Ripoff Report REVIEW:

EDitors UPDATE: Positive rating and recognition has been given to Liberty National Life Insurance Company for its commitment to excellence in customer service.

Ripoff Reports discussions with Liberty National Life Insurance Company has uncovered an ongoing commitment by the company to total client satisfaction. This means that clients can expect that the company will work towards finding a mutually satisfactory resolution to any complaints or concerns. Liberty National Life Insurance Company listens carefully to client concerns and sees them as an opportunity to learn from past mistakes and become more efficient as a company in the services offered and the support for those services.

Liberty National Life Insurance Company has been in the insurance business since 1900. We offer affordable life and supplemental health insurance through in-home and workplace sales. Providing local, one-on-one service to our customers is something we've done from the beginning. While automation is the way of the today's world, it won't replace our individual attention to Liberty National policyholders. Insurance can make the difference in a family keeping their home, a child going to college, or having enough money to pay bills each month if a family breadwinner dies. Liberty National Life Insurance Company is passionate about helping hardworking Americans protect their families. We look forward to helping you protect yours.

Liberty National Life Insurance Company, headquartered in Birmingham, Alabama, has been meeting the insurance coverage needs of families for over 100 years, dating back to 1900. Liberty National is a wholly-owned subsidiary of the Torchmark Corporation. Torchmark is an S&P 500 company traded on the New York Stock Exchange under the symbol TMK.

Liberty National Life Insurance Company also offers an excellent career for motivated individuals looking to earn what they are worth. Earning potential is unlimited! With just seven to eight sales per week, agents have the potential to earn from $50,000 up to $75,000+ in the first year with valuable tools like laptop presentation at your fingertips. Liberty National believes in personal, dedicated service for insurance needs. We are committed to providing agents with full support, quality training and competitive compensation. Joining Liberty Nationals sales team could open the door to an outstanding income and a whole new lifestyle. Liberty National Life Insurance Company has immediate needs to fill several positions. We are looking for both entry level and senior level applicants.

In summary, Ripoff Report is convinced that Liberty National Life Insurance Company is committed to quality delivery of services resulting in total client satisfaction.

Read more about why consumers should feel confident when doing business with a member of Rip-off Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Yes, its a long name for a program that does a lot for both consumers and businesses alike.

Read about Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program,.. A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. this program works.


Liberty National Life Insurance Company recognizes that complaints posted on Ripoff Report (whether true or not) are issues that need to be addressed, not ignored. One company executive agreed that, if handled correctly, complaints can be valuable learning opportunities. With the feedback generated by Ripoff Reports Review of Liberty National Life Insurance Company has made organizational changes allowing its clients, employees and agents a more streamlined approach to problem resolution and a commitment to a great client experience.

As a Part of the Corporate Advocacy Program the member business allows Ripoff Report to send an email to all of those who filed a complaint in the past, letting the customer know, the member business wanted to make things right with them, .. whatever it takes to do so. Ripoff Report always monitors these emails to insure the member business does what they agreed to. The people at Liberty National Life Insurance Company did just that.


Liberty National Life Deceptive Recruiting and unethical practices TriCities Tennessee

I agree with the report from anonymous. LNL did basically the same thing to me, after leading me to believe that the office that we would be in would be the main area where we worked. In truth, they only wanted us there once a week and to bring in policies when we sold them. They led you to believe you would become a fully trained agent and didn't let you know that the pay would be commission only. Not to mention that you would be driving high dollar gas out of your car on wild goose chases they called leads. (and I hadn't planned on driving much at all).

The leads themselves were very deceptive, anything from mail outs to senior citizens leading them to believe that they were going to be MAILED some information on benefits from the government, to which they were only brought insurance sales information and high pressure tactics from my particular manager; to cold calls and businesses which were much like anonymous was complaining about.

My experience was earlier than his, so apparantly it is a company wide practice that has happened over time. I left a well-paying job to come there, and ended up making less than $40 on some checks the company issued. I spent more than that on gas. (The company advertises you will make around $100,000...or have that potential. I would think with their organization or lack thereof, that would only happen for top ranking managers.) If I hadn't had some residual income and family support, it would have really been hurting. My highest check was pretty decent, but as anonymous said, I never could track how they calculated the pay, and it didn't seem right at times.

After working a short period of time, I quit. Then for some reason, I was sent a stupid letter from their corporate office saying something like "we can't prove it, but we think you've stolen our leads...and we will prosecute". If their leads were stolen, someone else did...I had informed the manager of where and with whom I left my leads and book of business. I have been told that most of the companies other than some of the major companies that also deal in property and casualty insurance also do practically the same thing to employees. Some even have you work on a loan basis to begin with, and if you don't sell enough, they make you repay and they fire you. AIG, Afflac, etc...were some of the names that were mentioned in insurance circles. But my advice to anyone, is don't work for this company unless you have a mint somewhere and are willing to high-pressure sale.

TriCities, Tennessee
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This report was posted on Ripoff Report on 08/26/2008 08:59 AM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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