Liberty Mutual vs. SBLI: Top Life Insurance in 2024
In a comparison of Liberty Mutual vs. SBLI, it was a tie. Liberty Mutual and SBLI offer comparable rates to women. Liberty Mutual and SBLI also hold identical AM Best ratings. Liberty Mutual is more well-reviewed by the Better Business Bureau than SBLI. SBLI offers more affordable rates to men than Liberty Mutual.
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...
Farmers CSR for 4 Years
UPDATED: Mar 15, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Mar 15, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- SBLI term life insurance is more affordable for men of various ages than Liberty Mutual
- Liberty Mutual Insurance is more well-reviewed by the Better Business Bureau than SBLI
- Liberty Mutual and SBLI are identically rated by A.M. Best
- Both companies offer comparable rates to women of various ages
Finding the right insurance company for your needs can be difficult if only because there are just so many of them. To reduce the stress of this process, we will be focusing exclusively on Liberty Mutual vs. SBLI life insurance.
In our Liberty Mutual vs. SBLI life insurance company comparison, we will be covering both company pricing and company ratings.
Before we dive into our Liberty Mutual vs. SBLI comparison, type your ZIP code into our free and helpful tool above. You’ll find all of the cheapest life insurance quotes in your local area.
Liberty Mutual vs. SBLI: Which company offers more affordable rates to men?
When looking for your next life insurance provider, you probably want to start with something important. For many, that would be pricing.
Let’s take a look at a table that shows the rates offered to men of various ages by the best life insurance companies for term policies such as Liberty Mutual and SBLI.
| Companies | Product | Male Age: 30 Average Monthly Rates | Male Age: 35 Average Monthly Rates | Male Age: 40 Average Monthly Rates | Male Age: 45 Average Monthly Rates | Male Age: 50 Average Monthly Rates | Male Age: 55 Average Monthly Rates | Male Age: 60 Average Monthly Rates | Male Age: 65 Average Monthly Rates | Male Age: 70 Average Monthly Rates | Male Age: 75 Average Monthly Rates | Male Age: 80 Average Monthly Rates |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| AIG | Term life | > $27 | N/A | N/A | N/A | >$30 | $29.45 | $32.58 | $43.08 | $50.49 | $70.28 | $124.22 |
| Accordia Life | Term Life | $16.91 | N/A | $23.36 | N/A | $56.07 | N/A | $128.84 | N/A | N/A | N/A | N/A |
| ANICO | Signature Term | $12.53 | $12.96 | $15.98 | $22.68 | $31.75 | $47.30 | $76.25 | $132.19 | $227.88 | NA | NA |
| Assurity | Term Life | $16.31 | $16.31 | $21.32 | $28.49 | $43.07 | $62.64 | $100.05 | $153.99 | $245.78 | $465.67 | NA |
| Banner | OPTerm | $12.68 | $13.33 | $17.71 | $22.10 | $32.90 | $45.99 | $73.81 | $123.03 | $211.06 | $399.22 | NA |
| Cincinnat | Termsetter | $13.42 | $14.96 | $18.70 | $22.88 | $32.56 | $49.50 | $78.98 | $140.36 | $257.40 | $456.94 | NA |
| Fidelity Life | Term Life | $19.14 | NA | $25.01 | NA | $54.59 | NA | $73.92 | NA | NA | NA | NA |
| John Hancock | Vitality Term | $14.09 | $14.24 | $16.96 | $22.14 | $28.41 | $43.04 | $68.14 | $117.04 | $245.79 | $455.46 | $849.79 |
| Liberty Mutual | Term Life | $33.75 | NA | $55.13 | NA | $144.68 | NA | $399.83 | NA | NA | NA | NA |
| Lincoln National | Term Accel | $12.34 | $12.63 | $15.22 | $21.84 | $30.96 | $46.75 | $71.95 | NA | NA | NA | NA |
| MassMutual | Vantage Term | $13.28 | $13.48 | $16.98 | $24.58 | $35.03 | $53.50 | $82.65 | $147.03 | $256.00 | $478.08 | NA |
| Minnesota Life | Advantage Elite | $13.46 | $13.99 | $17.95 | $25.87 | $36.56 | NA | NA | NA | NA | NA | NA |
| Mutual of Omaha | Term Life Answers | $13.33 | $14.19 | $19.35 | $23.22 | $33.33 | $50.31 | $80.84 | $148.35 | $274.13 | $525.68 | $908.38 |
| Nassau Life | Term Life | $17.43 | NA | $26.15 | NA | $51.69 | NA | $119.78 | NA | NA | NA | NA |
| Nationwide | YourLife | $13.56 | $13.56 | $16.41 | $22.97 | $32.59 | $47.91 | $86.41 | $152.03 | $260.97 | NA | NA |
| North American | ADDvantage | $12.98 | $13.20 | $16.50 | $22.88 | $31.90 | $48.40 | $77.44 | $133.98 | NA | NA | NA |
| Pacific Life | Promise Term | $12.32 | $12.32 | $15.59 | $21.85 | $30.09 | $45.46 | $69.89 | $123.04 | $211.07 | $399.24 | $874.22 |
| Principal | Term Insurance | $12.69 | $12.69 | $15.80 | $23.05 | $31.15 | $45.65 | $71.97 | $126.66 | $217.44 | $410.99 | $902.78 |
| Protective | Classic Choice | $11.62 | $11.83 | $14.78 | $21.32 | $30.07 | $45.47 | $69.90 | $124.33 | $211.07 | $399.24 | NA |
| Protective | Custom Choice UL | $11.87 | $12.08 | $15.10 | $21.77 | $31.46 | $47.82 | $73.23 | $131.78 | NA | NA | NA |
| Prudential | Term Essentials | $21.88 | $21.88 | $25.60 | $28.66 | $38.07 | $50.75 | $79.41 | $142.85 | $259.88 | $508.82 | NA |
| Sagicor | Accelerwriting Term | $12.60 | $12.75 | $17.07 | $22.27 | $43.59 | $65.49 | $103.05 | $172.65 | $313.06 | $510.40 | NA |
| SBLI | Level Term | $11.80 | $12.07 | $14.53 | $20.96 | $31.88 | $48.12 | $75.61 | $129.70 | $225.74 | NA | NA |
| Symetra | Term 3.0 | $12.91 | $12.91 | $16.19 | $23.84 | $33.21 | $51.54 | $83.77 | $140.57 | $239.27 | $440.78 | $969.72 |
| Transamerica | Trendsetter Super | $12.47 | $13.33 | $18.71 | $24.30 | $37.41 | $55.90 | $86.86 | $161.04 | $221.67 | $410.65 | $884.51 |
| Transamerica | Trendsetter LB | $13.33 | $14.62 | $20.21 | $27.09 | $40.21 | $64.29 | $101.91 | $176.30 | $302.94 | $490.63 | $1072.64 |
Is it easy to find affordable Liberty Mutual vs. SBLI life insurance quotes? As you can see, for men in their 30s, SBLI is about $22 cheaper per month than Liberty Mutual.
Look at Liberty Mutual vs. SBLI life insurance rates for men in their 40s, where Liberty Mutual is over $40 more expensive per month.
For men in their 50s, Liberty Mutual is nearly $113 more expensive per month than SBLI.
Lastly, for men in their 60s, SBLI is over $324 cheaper per month than Liberty Mutual.
So, our SBLI vs. Liberty Mutual life insurance review has shown us that if a man were to buy Liberty Mutual vs. SBLI life insurance, he would be getting a better rate from SBLI.
Let’s see if this holds true in our next section when we analyze the rates offered to women.
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Liberty Mutual vs. SBLI: Which company offers more affordable rates to women?
We are now going to look at a table that will show the rates offered to women of various ages by companies including Liberty Mutual and SBLI.
Sample Average Monthly Life Insurance Rates by Company and Product for Women| Companies | Product | Female Age: 30 Average Monthly Rates | Female Age: 35 Average Monthly Rates | Female Age: 40 Average Monthly Rates | Female Age: 45 Average Monthly Rates | Female Age: 50 Average Monthly Rates | Female Age: 55 Average Monthly Rates | Female Age: 60 Average Monthly Rates | Female Age: 65 Average Monthly Rates | Female Age: 70 Average Monthly Rates | Female Age: 75 Average Monthly Rates | Female Age: 80 Average Monthly Rates |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Accordia Life | Term Life | $15.58 | N/A | $20.69 | N/A | $40.03 | N/A | $89.25 | N/A | N/A | N/A | N/A |
| AIG | Select-A-Term | $11.07 | $11.54 | $15.19 | $20.23 | $27.41 | $38.05 | $56.86 | $94.95 | $165.86 | $273.97 | $640.78 |
| ANICO | Signature Term | $11.88 | $12.53 | $14.90 | $19.87 | $27.22 | $37.15 | $55.94 | $84.67 | $147.96 | N/A | N/A |
| Assurity | Term Life | $11.09 | $13.92 | $17.84 | $23.06 | $34.15 | $49.37 | $72.65 | $112.88 | $182.05 | $336.47 | N/A |
| Banner | OPTerm | $10.37 | $11.93 | $14.62 | $19.09 | $27.30 | $40.63 | $63.64 | $118.47 | $191.71 | $357.33 | N/A |
| Cincinnati | Termsetter | $12.98 | $14.96 | $16.72 | $20.46 | $27.28 | $38.06 | $56.76 | $91.74 | $154.44 | $306.46 | N/A |
| Fidelity Life | Term Life | $16.10 | N/A | $22.62 | N/A | $45.68 | N/A | $58.32 | N/A | N/A | N/A | N/A |
| John Hancock | Vitality Term | $12.39 | $12.61 | $14.86 | $20.09 | $23.86 | $37.73 | $50.94 | $83.61 | $176.04 | $369.26 | $843.44 |
| Liberty Mutual | Term Accel | $10.51 | $11.05 | $13.70 | $18.93 | $25.86 | $35.44 | $51.35 | N/A | N/A | N/A | N/A |
| Lincoln National | LifeElements | $16.10 | $16.63 | $21.22 | $28.22 | $37.41 | $50.75 | $74.81 | $112.44 | $199.06 | $371.83 | $655.77 |
| MassMutual | Vantage Term | $11.98 | $12.63 | $15.23 | $21.98 | $29.15 | $40.25 | $58.73 | $92.45 | $151.38 | $318.85 | NA |
| Minnesota Life | Advantage Elite | $12.67 | $12.67 | $16.10 | $23.23 | $30.89 | NA | NA | NA | NA | NA | NA |
| Mutual of Omaha | Term Life Answers | $11.61 | $12.90 | $16.56 | $20.21 | $27.31 | $38.27 | $57.19 | $98.47 | $169.42 | $365.50 | $704.13 |
| Nassau Life | Term Life | $16.14 | NA | $22.52 | NA | $42.11 | NA | $89.06 | NA | NA | NA | NA |
| Nationwide | YourLife | $13.34 | $13.34 | $16.19 | $20.13 | $27.13 | $37.19 | $61.69 | $95.16 | $153.56 | NA | NA |
| North American | ADDvantage | $11.66 | $12.10 | $14.96 | $20.02 | $26.62 | $37.62 | $54.34 | $85.80 | $138.82 | $281.60 | NA |
| Pacific Life | Promise Term | $10.82 | $11.47 | $14.24 | $19.10 | $25.16 | $34.42 | $49.88 | $80.43 | $131.35 | $270.85 | $637.03 |
| Principal | Term Insurance | $11.27 | $11.33 | $14.39 | $19.43 | $25.94 | $35.48 | $51.41 | $79.28 | $128.06 | $272.34 | $655.16 |
| Protective | Classic Choice | $10.43 | $10.78 | $13.31 | $18.64 | $25.12 | $34.43 | $49.88 | $80.43 | $131.36 | $270.86 | NA |
| Protective | Custom Choice UL | $10.79 | $11.01 | $13.59 | $19.62 | $26.29 | $35.77 | $52.26 | $82.27 | $134.16 | $284.43 | NA |
| Prudential | Term Essentials | $17.72 | $18.16 | $21.22 | $28.22 | $37.63 | $41.35 | $59.07 | $94.72 | $159.03 | $309.32 | NA |
| Sagicor | Accelerwriting Term | $10.95 | $11.22 | $15.10 | $20.43 | $36.75 | $48.64 | $63.78 | $108.79 | $212.88 | $366.31 | NA |
| SBLI | Level Term | $10.38 | $10.65 | $13.08 | $18.85 | $26.72 | $36.34 | $53.85 | $90.13 | $161.65 | NA | NA |
| Symetra | Term 3.0 | $11.81 | $11.81 | $14.39 | $19.91 | $25.94 | $38.06 | $52.97 | $85.97 | $138.25 | $273.88 | $692.34 |
| Transamerica | Trendsetter Super | $11.18 | $12.26 | $16.34 | $20.86 | $29.89 | $47.09 | $71.81 | $130.94 | $207.05 | $312.18 | $750.14 |
| Transamerica | Trendsetter LB | $12.26 | $13.12 | $17.63 | $22.36 | $32.25 | $49.24 | $81.06 | $143.62 | $241.33 | $389.37 | $887.74 |
For women in their 30s and 40s, the companies are basically tied. For women in their 50s and 60s, there’s only a slight edge in the favor of Liberty Mutual.
So, in this category, the companies are tied. Let’s move on to company ratings and see if we can have a clear winner here.
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Which company is more well-reviewed?
We are now going to go through Liberty Mutual and SBLI Insurance reviews given by A.M. Best and the Better Business Bureau.
Positive ratings from these organizations can give consumers confidence in choosing a particular life insurance company.
The Better Business Bureau’s rating scale goes from the highest score of “A+” down to the lowest score of “F.”
Liberty Mutual holds the Better Business Bureau’s highest rating of “A+” as well as BBB accreditation.
What score did the Better Business Bureau give SBLI? It turns out that they hold the same rating as well as BBB accreditation.
A.M. Best’s Financial Strength Rating (FSR) scale ranges from “A++” down to “D”. Not to mention, they actually have two different scales.
Liberty Mutual received an FSR of “A.” How did SBLI fare in comparison? They received a slightly lower rating of “A-.”
A.M. Best also has what is called Long-Term Issuer Credit Ratings (Long-Term ICR), which are concerned with a company’s financial future.
Liberty Mutual received a fairly good rating of “a” and, again, SBLI received a slightly lower rating of “a-.”
In short, you have two wonderful options here and it turns out that they are very much tied.
Don’t let your life insurance company comparison stop with this Liberty Mutual vs. SBLI review. Type your ZIP code into our free and helpful tool below. With it, you will be able to find all of the cheapest life insurance quotes in your local area.
Read more:
- Liberty Mutual vs. Lincoln: Top Life Insurance
- Liberty Mutual vs. MassMutual: Top Life Insurance
- Liberty Mutual vs. Mutual of Omaha: Top Life Insurance
- Liberty Mutual vs. Nationwide: Top Life Insurance
- Liberty Mutual vs. Protective: Top Life Insurance
Liberty Mutual vs. SBLI: Frequently Asked Questions
Here are some frequently asked questions about these two companies.
What is the Liberty Mutual claims number?
You can call 1-800-225-2467 for claims support.
What is the SBLI customer service number?
You can reach SBLI at 1-800-694-7254.
Your one-stop online guide for life insurance quotes. Get free quotes now!
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...
Farmers CSR for 4 Years
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.