Individual Insurance

Liberty National offers life, accident, and supplemental health insurance through our local, state-licensed insurance professionals in the comfort of your own home.

Individual, single parent, and family insurance policies are available. Liberty National products help policyholders with:

  • Final expenses
  • Supplemental health and accident expenses
  • Mortgage payments
  • Income replacement for spouse and children
  • Children’s educational expenses
  • Emergencies and opportunities

Life Insurance Products

Throughout your life, Events like marriage, the birth of your children, and retirement change your insurance needs. Depending where you are in your life will determine which type of and how much life insurance is most appropriate for you. One of our hometown Agents can help you determine if you need whole life or term life insurance.

Whole Life Insurance
  • It can provide coverage for your entire life and also builds cash and loan value with premium payments
  • Premiums never increase and coverage never decreases
  • Whole life is generally more expensive than term life Insurance because coverage lasts a lifetime
Term Life Insurance
  • Term life insurance provides coverage for a limited period of time
  • After that period, policyholders typically pay increased premiums to continue coverage
  • Term life insurance is usually less expensive than whole life insurance

Supplemental Health & Accident Insurance


Cancer Insurance Products

Cancer shows no favoritism. Everyone is at risk. Cancer isn’t just a devastating disease. Cancer can also be devastating to your family’s finances. But if you are diagnosed with cancer, you don’t have to endure the financial strain of cancer alone.

Cancer Endurance

The Cancer Endurance Plan is designed to pay a one-time, lump sum First Occurrence benefit, with additional specified benefits payable for the treatment of cancer. The plan’s benefits do not reduce as you age. And, most benefits have no lifetime maximums, meaning our plan will be with you or your family member for the entirety of treatment, providing benefits repeatedly when help is needed most (subject to payment of premiums).

Cash Cancer

The Cash Cancer Policy is a one-time, lump sum benefit supplemental policy for the first-time written diagnosis of cancer. Choose a cash benefit amount up to $50,000 to be used in whatever manner you see fit. Use it for deductibles and coinsurance or any treatment you and your doctor deem appropriate. Use it to help cover lost income, pay the mortgage, or other bills.

Hospital Accident Insurance

At Liberty National, we can’t prevent accidents. But we can help you cover the cost of accident-related hospitalization and/or emergency treatment should you need it.

Hospital Accident is designed to provide coverage for certain losses resulting from a covered accident only, subject to limitations included in the policy. It pays in addition to workers’ compensation or other insurance the insured may have. Coverage is not provided for basic hospital, medical/surgical, or major medical expenses. This policy does not pay benefits for a loss from sickness.

Accident Insurance

Accidents can happen anytime, anyplace, 24 hours a day. You need around-the-clock protection.

Accident Protector Max

Accident Protector Max is designed to provide coverage for certain losses resulting from a covered accident only and is subject to any limitations contained in the policy. Coverage is not provided for any loss resulting wholly or partially from sickness.

Accidental Death

Accidental Death gives you the full coverage listed in your policy until you reach age 75. We cannot cancel, restrict, or refuse to renew your policy as long as you pay premiums and have not reached age 75. Premium rates for the Accident Policy are guaranteed.

Critical Illness Insurance

Even though a person’s chances of survival have increased, surviving a critical illness comes with a cost! Be prepared financially with Liberty National’s Critical Illness Protector.

The Critical Illness Protector is designed to pay a one-time, lump-sum benefit upon first written diagnosis of a covered critical illness. Covered illnesses include: heart attack, major organ transplant, stroke, total loss of eyesight, end stage renal failure, total loss of hearing, and may cover cancer (if requested).

Hospital Intensive Care Insurance

Did you know the cost for intensive care treatment often needed during a major illness or accident is considerably higher than the normal daily hospital room charge? That’s why Liberty National developed specific coverage for intensive care.

These benefits have been designed for Hospital Intensive Care Unit confinement due to sickness or injury. Benefit amounts may increase if confinement is a result of automobile or travel accident. Additional benefits may also be available for regular hospital room, blood and ambulance service.

Introductory ADP

In addition to these accident policies, Liberty National has designed a fantastic introductory offer which provides another option to protect your family. You can read more about it on our Introductory Offers page.

Introductory Offers

$3,000 Accidental Death Policy (ADP)

If a family member were to die in an accident today, would you be financially able to handle the expenses, like emergency healthcare or funeral expenses? The ADP can cover both you and your spouse with $3,000 of coverage each, and $1,000 of coverage for each child in your home*. Take advantage of the $3,000 ADP and you will pay no premiums during the first policy year**. At the end of the first policy year, keep the coverage for a $10 premium. If you decide not to pay the premium, the plan will terminate and no premiums will be due. Contact us for more information.

Child Safe Kit

The Child Safe Kit is a convenient way to record comprehensive information about your child so authorities can help you find your child quickly. The Child Safe Kit also comes with an inking strip so you can fingerprint your child as an additional resource to help find them. A Liberty National Representative will deliver the kit(s) and explain other insurance benefits you may qualify for. Want more information?

LIBERTY NATIONAL Discount Card! Driving down the cost of health services

Discounts on These Services:

  • Vision
  • Hearing
  • Prescription Drug
  • Chiropractic


Memorial Guide

In the Memorial Guide, you’ll be able to list important information so your wishes will be clear to those left behind. When completed, this valuable guide will provide comfort for your family. They will know your funeral is conducted the way you would have liked. When your final wishes are known, it minimizes family disagreements and alleviates stress.

MedFacts Kit

The MedFacts Kit is a helpful medical guide that could potentially save your life, or the life of a loved one when you are unable to communicate important medical information. The MedFacts Kit also provides you with the ability to detail the dosage and frequency of prescription medicines you are currently taking. This will help doctors better understand your daily medical regimen, which could directly affect your treatment plan.