Accordia Life vs. Liberty Mutual: Top Life Insurance in 2024
When comparing insurers like Accordia Life vs. Liberty Mutual, it's for the best that you analyze not only company pricing but company ratings as well. Accordia Life offers more competitive rates to both men and women of various ages. Liberty Mutual is more well-reviewed than Accordia Life by both A.M. Best and the Better Business Bureau.
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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: Dec 4, 2023
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: Dec 4, 2023
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
- Accordia Life offers more competitive rates than Liberty Mutual to men of various ages
- Accordia Life offers more competitive rates than Liberty Mutual to women of various ages
- Liberty Mutual Insurance is more well-reviewed by both A.M. Best and the Better Business Bureau than Accordia Life
The whole process of comparing insurance companies can be a bit of a hassle. For this reason, we’re going to simplify the process by focusing only on Accordia Life vs. Liberty Mutual.
Keep in mind that Accordia Life and Annuity Company is an example of a company that requires no medical exam in certain instances, whereas this does not hold true for Liberty Mutual.
Before we really dive into our comparison of Accordia Life vs. Liberty Mutual, type your ZIP code into our free and helpful tool above to find affordable life insurance rates in your area.
Accordia Life vs. Liberty Mutual: Which company offers better rates to men?
When you set out to compare life insurance companies, it is most likely that you would like to start with what is most important to you. For the vast majority of people, the most important thing is pricing.
Let’s take a look now at a table that shows the rates offered to men of various ages not only by Accordia Life and Liberty Mutual, but several other major life insurance companies also.
Keep in mind that this data is for a 20-year Term Life policy valued at $250,000.
Accordia Life vs. American Amicable vs. Other Carriers: Sample Monthly Rates for Males (20-year Term $250,000 Policy)| Company | Age 30 Sample Monthly Rates | Age 40 Sample Monthly Rates | Age 50 Sample Monthly Rates | Age 60 Sample Monthly Rates |
|---|---|---|---|---|
| Protective | $20.21 | $28.38 | $75.68 | $205.97 |
| Banner | $20.12 | $32.68 | $74.39 | $205.97 |
| AIG | $20.24 | $30.62 | $77.76 | $213.57 |
| Foresters | $21.00 | $31.50 | $79.19 | $223.56 |
| Accordia Life | $27.15 | $40.05 | $105.47 | $300.38 |
| American Amicable | $20.48 | $27.68 | $51.08 | $128.93 |
| Liberty Mutual | $33.75 | $55.13 | $144.68 | $399.83 |
| Nationwide | $16.02 | $21.36 | $53.85 | $180.23 |
As you can see, for men in their 30s, Liberty Mutual is over six dollars per month more expensive than Accordia Life. Let’s look at the other demographics to see if Accordia Life wins.
For men in their 40s, Liberty Mutual is over 15 dollars more expensive per month than Accordia Life. For men in their 50s, Liberty Mutual is over 39 dollars more expensive per month.
Finally, for men in their 60s, Liberty Mutual Life is over 99 dollars per month more expensive than Accordia Life. So, in short, Accordia Life wins this one.
Make sure to lower your rates even further by inquiring about available discounts, which can be as simple as typing in your Liberty Mutual login information. Now let’s go ahead and move on to see if Accordia Life also offers more competitive rates than Liberty Mutual to women.
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Accordia Life vs. Liberty Mutual: Which company offers better rates to women?
We’re now going to do the same thing we did in the last section, but now we’re comparing the rates offered to women by companies including Accordia Life and Liberty Mutual. Note that while this data is still for a 20-year Term Life policy, this time it’s valued at $500,000.
Accordia Life vs. American Amicable vs. Other Carriers: Sample Monthly Rates for Females (20-year Term $500,000 Policy)| Company | Age 30 Sample Monthly Rates | Age 40 Sample Monthly Rates | Age 50 Sample Monthly Rates | Age 60 Sample Monthly Rates |
|---|---|---|---|---|
| Protective | $17.63 | $24.94 | $55.47 | $139.32 |
| Banner | $17.11 | $25.49 | $55.47 | $145.00 |
| AIG | $17.21 | $27.16 | $63.06 | X |
| Foresters | $18.81 | $27.13 | $57.75 | X |
| AccordiaLife | $24.48 | $34.71 | $76.99 | $195.80 |
| AmericanAmicable | $16.88 | $22.50 | $37.80 | $88.88 |
| Liberty Mutual | $25.20 | $42.53 | $107.78 | $250.65 |
| Nationwide | $16.02 | $21.36 | $53.85 | $180.23 |
As you can see, for women in their 30s, Liberty Mutual life insurance rates are less than one dollar more expensive per month than Accordia Life insurance rates. This is very close, let’s see if this trend holds up for women of other ages.
For women in their 40s, Liberty Mutual life insurance quotes are almost eight dollars per month more expensive than Accordia Life insurance quotes. For women in their 50s, Accordia Life Insurance is over 30 dollars cheaper per month than to buy Liberty Mutual life insurance.
Finally, for women in their 60s, Liberty Mutual is almost a whopping 55 dollars more expensive than buying Accordia Life insurance per month.
In short, Accordia wins again. Let’s wrap up with company ratings to see if it’s three for three.
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Accordia Life vs. Liberty Mutual: Which company is more well-reviewed?
Before we leave you today we’d like to stress the importance of company ratings from organizations such as A.M. Best and the Better Business Bureau. A high rating from one or both of these aforementioned organizations can give consumers confidence that a life insurance company will be financially solid into the future.
The Better Business Bureau’s rating scale goes from the high end of “A+” down to the low end of “F”. It’s pretty good news for Accordia Life as it received the Better Business Bureau’s second-highest rating of “A. However, be aware that Accordia Life does not hold BBB accreditation.
How did Liberty Mutual do with the BBB? The Better Business Bureau not only gave Liberty Mutual accreditation but the highest possible rating of “A+” as well.
A.M. Best has a slightly different rating scale from the Better Business Bureau in that it ranges from “A++” down to “D”.
Accordia Life received a rating of “A-” from A.M. Best. How did Liberty Mutual do? It did slightly better with a rating of “A”.
So, in short, Liberty Mutual definitely wins in terms of company ratings comparing Accordia Life vs. Liberty Mutual life insurance. All in all, you have two terrific choices here.
But don’t let your comparison of Accordia Life vs. Liberty Mutual life insurance stop here, type your ZIP code into our free and helpful tool below to find affordable life insurance quotes in your area.
Your one-stop online guide for life insurance quotes. Get free quotes now!
Secured with SHA-256 Encryption
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.