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

Liberty National Life Reviews

158 Reviews
158 Reviews
Rating Trends

Recommend to a friend
Approve of CEO
Liberty National Life President and CEO Roger C. Smith
Roger C. Smith
97 Ratings

    Great opportunity for a new career with unlimited earning potential while helping people plan for their future.

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Supervising Agent in Jasper, AL (US)
    Former Employee - Supervising Agent in Jasper, AL (US)

    I worked at Liberty National Life


    While helping people feel secure with life's' inevitable events, you also have the opportunity to make an awesome income!!


    Long hours and income varies to the clientele you personally have access to

    Advice to ManagementAdvice

    Provide more promising leads to potential customers. Less of the 1/3 method.

    Positive Outlook
    Approves of CEO

Liberty National Life Interviews

Updated 29 Oct 2014
Updated 29 Oct 2014

Interview Experience

Interview Experience


Getting an Interview

Getting an Interview


Interview Difficulty


Interview Difficulty



  1. 4 people found this helpful  

    Insurance Agent Interview

    Anonymous Employee in Irving, TX (US)
    Anonymous Employee in Irving, TX (US)
    Application Details

    I applied through a recruiter. The process took a dayinterviewed at Liberty National Life in October 2014.

    Interview Details

    Just like most of the others, I got a random phone call one morning to schedule an interview for the next day. The recruiter said they saw my resume online, thought I was a good potential candidate. Reminded me to dress professionally, which I thought was a little weird--who doesn't dress professionally for an interview? The recruiter didn't mention a specific position, but he did text me later to confirm, so I used that opportunity to ask him what the position was. He responded with 'benefit consultant,' but never heard that title again during the whole process.

    Looked up the location on google maps, looked pretty shady, but I decided to go, an interview's an interview.

    Next morning, arrived, registered in their office, turns out the guy I talked to the day before wasn't there, so I spoke with someone else, then went to the group session, and I found out why they remind you to dress professionally--not everyone does. There was a bit of a wait before the presentation started, and it turned out to be more of a sales pitch than anything else. Like someone else pointed out, it was unsettling that there was a bit of a discrepancy in what they were throwing out--5 diamond hotel conventions with carpet that's starting to peel off the floor in their self-proclaimed top ranked office.

    I decided to give it a shot anyway. After the hour-long group presentation, you have an exit interview. And if you play your cards right, you have a second interview with one of the higher-ups. They like to throw out the phrase "partner with you" a lot. The second interview is really the same thing as before, more behavioral questions, and that's it, you get offered a job. Never was asked about any point on my resume. They'll try to take you downstairs to register for a course in insurance sales.

    Interview Questions
    • Why should we partner with you?
      What are some of your weaknesses?
      What are some of your qualities that will help you be successful in business?
      Answer Question
    Declined Offer
    Neutral Experience
    Easy Interview

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
Show More

Additional Info

Headquarters Birmingham, AL
Size 1000 to 5000 Employees
Founded 1900
Type Subsidiary or Business Segment
Industry Insurance
Revenue $2 to $5 billion (AUD) 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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Liberty National Life

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