Liberty Bankers

Liberty Bankers Life is a specialist carrier with a deep focus on the senior life and final expense market. Their product line is built around the needs of applicants who want simplified-issue underwriting with a recognizable brand.

Their underwriting team is experienced with managed health conditions and they offer multiple underwriting classes (level, graded, modified) so coverage can begin even when full underwriting would decline.

Liberty Bankers is a steady quote stop for older applicants and for cases where a competitor declined but a graded-benefit policy is still appropriate.