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Liberty National

Liberty National Life Insurance Company was founded in 1900 and is headquartered in McKinney, Texas. The company currently employs over 1400 agents who are licensed in 49 states. Liberty National doesn’t advertise final expense insurance directly on its website, though the company does feature both whole and term life policies. You may contact a Liberty National agent via the information listed at the end of this document to inquire about final expense payouts, premium rates, and qualification parameters.

Can I cancel a burial insurance policy?

Burial insurance, also known as final expense or funeral insurance, cannot normally be cancelled. The only way to legally cancel burial insurance that you have purchased is in the event of fraud by the insurance company. You may also choose to stop paying your premiums. If you do so, the insurance company will void your policy and you will not be eligible for any refunds of previously paid premiums.

Will a funeral home accept payment with burial insurance?

Most funeral homes do not accept burial insurance directly. Burial insurance benefits are paid in cash. Said cash may then be used to pay the funeral home or used on anything else that the beneficiary desires.

Can I obtain burial insurance even though I have health issues?

Burial and funeral insurance is intended for individuals who do not have terminal illnesses. You will probably be able to obtain burial or final expense insurance even if you a health condition, provided that it is not terminal. It is easier to obtain burial insurance than regular life insurance, both because of the aforementioned intentions and the lower benefit payouts of burial insurance. Some health issues may prevent you from obtaining burial insurance. You should check with several insurance companies in your local area as well as several national companies to determine which offers the best coverage at the lowest premium rate.

You will probably not have to undergo a medical exam in order to obtain burial insurance. However, doing so may lower your premium rates in some instances. Most insurance companies require you to fill out a basic health-related questionnaire to qualify for burial insurance.

How to get started

If you are already a Liberty National life insurance customer, you should contact your local office and inquire about a final expense policy. If you are a prospective customer, you can obtain general information on the company website, or you may call the company using the information below. You may also shop for policies using our comparison tool by clicking on the following link.

Financial Strength Ratings

AM Best – A+, Stable outlook
Moody’s – A1, Stable outlook
Standard & Poor – AA-, Stable outlook

Company contact info

Liberty National Life Insurance Company
(800) 333-0637
Monday – Friday 7:30 a.m. to 5:00 p.m. Central