Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Aetna vs. Liberty National Life Insurance

Aetna and Liberty National Insurance Company offer a broad spectrum of insurances and related products for potential policyholders. The companies differ because of the types of products and insurances and the policyholders they serve.

Aetna is a health management company that provides traditional, consumer directed health insurance and related services. Some of the related services are dental, medical, pharmacy and group life and disability plans.

Liberty National insurance products give policyholders and their surviving loved ones peace of mind so they continue to meet financial obligations after the policyholder’s death. Supplemental health and accident insurances fill the gap of existing health and other insurances.

Aetna

Aetna is one of the nation’s leading insurance providers, providing various types of insurances and employee benefit products. Since 1853, it has been Aetna’s mission for people to have easy access to high quality and cost effective healthcare.

Aetna continually strives to accomplish this goal by working with employers, hospitals, patients, physicians and public officials. What drives Aetna’s daily decision making is the belief that it can help create a better health care system. As part of its global network, Aetna offers great disability insurance, health, life and medical insurances for employees living and working in more than 100 countries.

The company offers several types of insurances and related products to these groups.

  • Employers and organizations
  • Individuals and families

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Employers and Organizations

Employers with as few as two to over 3,000 employees can offer health plan benefits. Aetna also offers multi-employer labor funds and businesses employing hourly, part time and seasonal workers health care benefits.

Depending on the business or organization size, Aetna has these features available.*

  • Access to Aetna’s 24-hour customer service and convenient online management for members
  • Access to forms and documents
  • Billing, eligibility and enrollment online
  • Choice of products and services
  • Cost control
  • Integration of medical and disability information

*Make sure to check with Aetna about specifics on which features apply to a business’ size.

Health plans differ from business to business and needs are unique. Employers and organizations have the assurance that Aetna has the experience of providing the best insurance products for a business’ employees.

Aetna provides these insurances and related products.

  • Consumer-directed products
  • Dental insurance
  • Disability insurance
  • Health and wellness programs
  • International plans
  • Life insurance
  • Medical insurance
  • Mental and behavioral health for employees
  • Pharmacy plans
  • Vision insurance
  • Voluntary plans

Individuals and Families

If individuals and families need health insurance plans or other related services, they are available directly from Aetna.

Below is the list of provided services and insurances.

  • Behavioral and mental health
  • Dental insurance
  • Disability insurance
  • Health expense funds
  • Life insurance
  • Medical insurance
  • Medicare insurance
  • Pharmacy plans and services
  • Student health insurance
  • Vision insurance
  • Wellness products and discounts

According to the statistics on Aetna’s site, its healthcare networks have more than 1 million healthcare professionals; more than 567,000 primary care physicians and specialists; and more than 5,400 hospitals. Additionally, there are networks of physician specialists that are Aexcel designated. An Aexcel designated healthcare specialist is part of Aetna’s network, has clinical performance that is industry accepted and meets Aetna’s efficiency standards.

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Liberty National Life Insurance Company

Liberty National was established in 1900 and offers life and supplemental insurance by way of in-home and workplace sales. The company prides itself on local one-on-one service to customers since it began offering its insurance products. Headquartered in McKinney, Texas, Liberty National has branch offices nationwide.

Although the company advertises, it does not have a huge advertisement budget. Because of this, Liberty National uses the extra money for promotions that are free to customers. Examples of these no-cost promotions are Child Safe kits, MedFast kits, Memorial Guides and $3,000 accidental death policies.

Insurance policies are portable and stay with policyholders when they move from city to city or from job to job.

National Liberty sells three types of insurance policies.

  • Family policies
  • Individual policies
  • Single parent policies

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Life Insurance

Policyholders purchasing life insurance have many reasons for doing so; however, the main purpose is for remaining loved ones to survive financially after the policyholder’s death. Initially, a policyholder designates a beneficiary on the policy. This designated person generally receives a lump sum of money after the policyholder’s death.

National Liberty sells two types of life insurance.

  • Term life insurance
  • Whole life insurance

Term Life

This type of life insurance’s policy is for a specific period; after the period expires, premiums generally increase to continue coverage. For instance, if a term life insurance policy is for 20 years than a policyholder must pay additional premiums for the insurance to continue. Because of the limitations of this insurance, term life insurance is usually less expensive than whole life insurance.

Whole Life

Conversely, whole life insurance is in force for the life of the policyholder and accumulates cash and loan values while the policyholder makes the premium payments. The premium amounts remain constant during the ownership of the policy and premiums are customarily higher than term life insurance.

Both term life and whole life insurance have pros and cons, it is best to consult with a licensed insurance agent. These licensed individuals have the expertise to evaluate which type of insurance is best suited for a policyholder.

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Supplemental Insurances

If a person is unable to work due to a critical illness or a serious injury, supplemental health insurance is additional coverage for existing health and medical insurances. If a person receives a diagnosis of cancer, the supplemental insurance for this condition helps to pay for expenses not covered by traditional health insurance. For instance, supplemental insurance for cancer can cover expenses of experimental treatments.

The list has health and accident supplemental insurances available from National Liberty.

  • Accident
  • Cancer
  • Critical Illness
  • Hospital Accident
  • Hospital Income
  • Hospital Intensive Care
  • Medicare Supplements

These supplemental health and accident insurances help policyholders with the following life situations.

  • Educational expenses for children
  • Emergencies and opportunities
  • Final expenses
  • Income replacement for spouse and children
  • Mortgage payments
  • Payroll deduction plans
  • Section 125 cafeteria plans
  • Special business needs
  • Supplemental health and accident expenses

Cautions

The language used in the paperwork can be difficult to read and confusion is a result of misunderstandings. Potential policyholders should not allow anyone to rush them through reading the paperwork. Take the time to read and question anything that is unclear before signing.