Liberty National Life

Liberty National

Liberty National Life – Why Work For Us?

There's one company dedicated to helping you realize and achieve your worthwhile goals - Liberty National Life Insurance Company

Liberty National presents what could be the biggest opportunity of your life; it could open the door to an outstanding income and a whole new lifestyle. We rely on proven methods and capable sales representatives. People of all walks of life have joined us, and you can too.

We believe we have just what you're looking for in a career. Take a tour of the Liberty National opportunity, hear our people tell their stories, and start living the dream today!

What does your perfect company look like?

  • Stable company
  • Financial rewards
  • Unlimited growth opportunity
  • Job satisfaction and security
  • Advancement opportunities
  • Personal recognition and awards

Who is Liberty National?


Liberty National is an innovative sales and marketing organization undergoing the greatest expansion efforts in our Company’s rich history

  • In business since 1900
  • Thousands of Sales Agents and Managers in Branch Offices across the U.S.
  • Licensed in 49 states
  • Markets its products to the 95 million* uninsured Americans through in-home sales and at the workplace 
  • Wholly owned subsidiary of Torchmark Corporation, a financial services holding company listed on the New York Stock Exchange

*LIMRA International, Sept. 2011

Company Stability


Liberty National has been in business since 1900 and that's no accident

"Our Financial Strength Ratings indicate our consistent ability to pay customer claims."


For more than 35 consecutive years, Liberty National has earned one of the highest Financial Strength Ratings from insurance analysts, A.M. Best Company. Liberty National also earns consistent top ratings from reputable independent industry analysts:

  • A+ (Superior) Financial Strength Rating from A.M.Best Company (as of 6/14)
  • AA- "Very Strong" Financial Strength Rating from Standard & Poor's (as of 7/13)
  • A1 Insurer's Financial Strength Rating from Moody's (as of 1/14)
  • A+ "Strong" for Insurer Financial Strength Rating by Fitch (as of 2/13)
  • Named to Ward's Top 50 Life-Health List (as of 7/13)

Our Company continues to thrive even during economic downturns because people become even more concerned about protecting assets during turbulent times. Our Company does well during normal economic times, but traditionally does even better during those that are not good.


Why Sales?


Did you know that sales is one of the highest-paid professions and the most recession proof jobs in the United States?


“Insurance sales is a win-win situation. It’s a winning situation for you because you make more money faster. And it’s a winning situation for our customers.”


One of the biggest myths about sales is that it’s a risky venture. Because when you think about it, the amount of money you make is up to you. After all, you're paid when you sell your product, and there is no limit on how many sales you can make.

With millions of uninsured Americans, you already have millions of prospects who need protection or more protection. You can feel good about the work you are doing, knowing you are helping to protect Americans from financial disaster.

Why Insurance?


Finding success in this profession is very rewarding because you know you're paid what you earn.

“Residual income can change your life.”


In insurance, other than licensing requirements, there are no educational degrees needed and no need for prior sales experience. Anybody who is willing to put forth effort and believes in the product being sold can make it in this field.

But why would insurance sales be one of the highest paid sales professions? Most people would respond, “Because everyone needs insurance.” Well, yes, everybody needs it, but there is another reason.

Residual Income


Shoe salespeople don’t make extraordinary incomes although everybody needs shoes. The big difference between insurance sales and other sales jobs is the residual income.

How does residual income work?


Agents are paid each month from policy renewals beginning the second policy year. Without this residual income, a sales person is only as good as his or her last sale. For individuals in any other sales field such as real estate or car sales, in order to increase their income, they have to increase the number of units they sell. At the beginning of each week, month, or year, they start over — what they’ve sold in the past doesn’t matter. They’re only paid for what they do in the present, but not the past.

Not so with insurance sales. Our Agents continue to make money from sales they made years and even decades ago. Make more money before you even get out of bed in the mornings!

Insurance sales do well during good and bad economic times – that's because people are interested in protecting assets that have taken many years to accumulate, or because they understand the need to ensure their families will be protected when the unexpected happens. Insurance is a secure career because people will always need insurance. Enjoy a satisfying career with Liberty National by helping people find the coverage that is right for their changing lifestyles.


Advancement Opportunities with 
Liberty National


At Liberty National, it's not "Who you know," it's "How you perform".

The opportunities with Liberty National are unlimited. You have the opportunity to choose your path - even into management. The future is always open to you.

You can be:

  • An Agent
  • A Supervising Agent
  • An Agency Director
  • An Agency Owner
  • A Director
  • A Senior Vice President
  • An Executive Vice President
  • The President

The "Promote Promotion" system allows individuals in the Company to seek and reach the highest level, based on their individual abilities, production, and growth. No caps, perceived or otherwise, are placed on their potential to achieve the next level of management.



World-class rewards are a Liberty National standard to those who are goal oriented

In addition to higher incomes, outstanding achievement at Liberty National is rewarded with exciting trips! Each year, hundreds of qualifiers and their guests attend Torch Club, our national sales convention held in various vacation hot spots.


  • 2013 - San Diego
  • 2012 - Dominican Republic
  • 2011 - Las Vegas
  • 2010 - Fontainebleau Resort, Miami
  • 2009 - Caribbean Cruise
  • 2008 - Puerto Rico
  • 2007 - Washington, D.C.

Liberty also rewards its leaders:

  • Torch Club Chairmen: Top Agent, Unit Manager, and Branch Manager
  • Chairman’s Club: Top 10 Agents, Unit Managers, and Branch Managers
  • Rookie Agent of the Year Award
  • Rookie Unit Manager of the Year Award
  • Rookie Branch Manager of the Year Award
  • Council of Champions: Top Branch Managers who serve in an advisory capacity to the Home Office for a one-year term
  • Senior Liberty Underwriter
  • Leader's Club
  • President's Club
  • President's Council
  • Management Achievement Award
  • New Agent Development Award

Liberty National Life Photos

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Liberty National Life President and CEO Roger C. Smith
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Liberty National Life Interviews

Updated 12 Jan 2015
Updated 12 Jan 2015

Interview Experience

Interview Experience


Getting an Interview

Getting an Interview


Interview Difficulty


Interview Difficulty




    Insurance Sales Agent Interview

    Anonymous Interview Candidate
    Anonymous Interview Candidate
    Interview Details

    The whole thing is shady, but I gave it two weeks since I didn't have any other job lined up. In that two weeks I learned everything that follows.

    I got a call after posting my resume on Monster and was asked a series of questions. They couldn't care less what your answers are. They just want warm bodies to come through the door.

    Since I didn't have anything going on that day I went ahead and went to the interview. It wasn't an interview. It was a sales pitch glorifying insurance sales.

    You're asked to bring two copies of your resume. You really don't need to. They never mention anything on your resume or even have them anywhere visible. They just ask you "Why do you want to work here?" and "Do you want to make lots of money?" indicative of insurance to make it feel like you're being interviewed.

    You're told you were selected from a number of candidates. No, you weren't. They literally print off lists of names from monster and career builder and have their agents go down the list calling anyone and everyone. It's a numbers game. You're not even paid for the time you spend calling people. And you'll also be using your own phone and minutes. So expect LOTS of voicemails and calls and texts from people who decide they don't want to come to an interview after doing their research online.

    The company literally has nothing invested in you except their awful training. Supposedly it's broken into days, but I never knew what day I was on. There's some role-playing, but it was all very superficial.

    Part of your training is setting up appointments to meet potential clients. Good luck. Again, you're using your own phone and minutes and will get all sorts of texts and voicemails. You're told that for every 100 calls you make, you'll get 10 appointments. Of those 10, 5 will be no-shows, meaning you'll drive all the way out to them and they won't be home or will pretend not to be home. Of those 5 that are home when you arrive, you'll make one sale. You're expected to do this twice per week so expect to make 200+ calls to set 20 appointments to be stood up by 10 to make 2 sales. Those are the numbers of the business and you better be comfortable annoying people while they're trying to eat dinner. Expect to get yelled and cussed at as well. These things didn't bother me so much, but after a while it just feels like you're beating your head against the wall (and I only did call clinic twice; I can't imagine doing it twice per week as part of a job the rest of my life.)

    Now, I'm not saying it couldn't potentially be a very well paying job. Anything commission based can be, but in my two weeks I was miserable. Training is a joke. The place was a madhouse. They don't fire anyone. If you keep showing up, they let you stay. I literally sat there for 20 minutes and watched a girl argue with the director in front of a room of people. I've never been so uncomfortable. I spent a week lying around just recuperating from the stress of the previous two weeks. They tell you anyone can do it, and maybe that true, but you'd be far more likely to succeed if you have prior sales experience and can handle the infinite boredom that goes along with making call after call after call after get the idea.

    It's sink or swim since it's all commission and since training takes a month you better have some savings. They don't tell you that. Also, expect to be pressured into signing up for a temporary license if you're in Florida. That'll run you $100+ and is just another way they hook you in.

    If you're genuinely interested, I suggest telling your director you want to test-drive the job. They're not going to say no. And if they try to pressure you into signing up with the company and getting your licenses before you test run the company, then RUN. Tell your director you want to shadow a few agents and see how the process works. THEN make your decision. Don't play into their game like I did and waste $500 bucks in gas, licensing, and gas-station food.

    Negotiation Details
    Like I said, they accept everyone and 95% wash out in a month. I was gone in 2 weeks to move onto bigger and better things.
    Accepted Offer
    Negative Experience

Liberty National Life Awards and Accolades

Something missing? Add an award
A+ (Superior) Financial Strength Rating, A.M. Best Company, 2012
AA- (Very Strong) Financial Strength Rating, Standard & Poor's, 2012
A1 Insurer's Financial Strength Rating, Moody's, 2012
A+ (Strong) Insurer's Financial Strength Rating, Fitch, 2012
Top 50 Life-Health list, Ward Group, 2012
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Additional Info

Headquarters Birmingham, AL
Size 1000 to 5000 Employees
Founded 1900
Type Subsidiary or Business Segment
Industry Insurance
Revenue ₹100 to ₹500 billion (INR) per year

Liberty National Life Insurance carries a torch for financial security. The flagship subsidiary of Torchmark provides life and supplemental health insurance products throughout the US. Its products are targeted at middle-income families. It also sells directly to individuals and through workplace plans, using some 2,000 agents and more than 150 branch offices located in the majority of US states. Liberty National Life Insurance's health insurance offerings include coverage for cancer and critical illness, hospital intensive care, and accident protection. Its life insurance... More

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