Carrier Review
Liberty Bankers Final Expense Insurance Review
Graded Death Benefit · Underwriting ages 45–80 · 4.3/5 SureChoice rating
Overall: 4.3 / 5
Score derived from our four-factor methodology — price competitiveness, no-waiting-period availability, financial strength, and complaint volume.
Pros
- + Available for moderate health conditions
- + Graded benefit
- + Operates in all 50 states
Considerations
- − Underwriting limited to ages 45–80.
- − Coverage caps vary; verify maximum face amount during application.
- − Graded payout structure in years 1–3.
How Liberty Bankers's plan works
Liberty Bankers offers a graded death benefit. In year 1 you typically receive 30% of the face amount, year 2 about 70%, and year 3 onward the full amount. Pricing sits between level and guaranteed issue.
How much does Liberty Bankers cost?
Indicative monthly cost across our cheapest applicable carrier baseline, non-tobacco female. Real pricing for Liberty Bankers specifically depends on full underwriting.
| Age | $5,000 | $10,000 | $15,000 | $20,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|---|
| 50 | $11.88/mo | $23.75/mo | $35.63/mo | $47.50/mo | $59.38/mo | $118.75/mo |
| 55 | $14.87/mo | $29.74/mo | $44.61/mo | $59.49/mo | $74.36/mo | $148.71/mo |
| 60 | $18.62/mo | $37.25/mo | $55.87/mo | $74.49/mo | $93.12/mo | $186.24/mo |
| 65 | $23.32/mo | $46.65/mo | $69.97/mo | $93.29/mo | $116.61/mo | $233.23/mo |
| 70 | $29.21/mo | $58.42/mo | $87.62/mo | $116.83/mo | $146.04/mo | $292.08/mo |
| 75 | $36.58/mo | $73.16/mo | $109.73/mo | $146.31/mo | $182.89/mo | $365.78/mo |
| 80 | $45.81/mo | $91.61/mo | $137.42/mo | $183.23/mo | $229.03/mo | $458.07/mo |
| 85 | $57.37/mo | $114.73/mo | $172.10/mo | $229.46/mo | $286.83/mo | $573.65/mo |
Indicative monthly premiums for female, non-tobacco. Real pricing depends on full underwriting.
Application process
- Complete the SureChoice quote calculator.
- A licensed agent calls to verify details and confirm pricing.
- Carrier underwriting decision (typically same-day for level / graded plans).
- Sign and pay first premium. Coverage starts immediately.
Claims process
- Beneficiary contacts Liberty Bankers or our agent line.
- Submit certified death certificate.
- Carrier verifies coverage was in force.
- Payout typically within 7–14 days of receipt.
How does Liberty Bankers compare?
Compare Liberty Bankers with the rest
Our calculator returns indicative pricing from Liberty Bankers alongside every other carrier in our panel.
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