Liberty Banker's Life

2017 Liberty Banker's Life launches two new consumer value added riders to enhance their SIMPL Preferred and Standard plans. Liberty Banker's is now offering Accelerated Death Benefit for terminally ill or Chronic Illness. Not approved in CA, DE, FL, ND, SD, or DC. Accidental Death and Dismemberment rider is also available for addiitonal premium for Preferred and Standard policies only. Not available in CA, DE, FL, NC, SD, DC, HI, or VA. Liberty Banker's also offers Modified WL. 


Direct Express is no longer accepted by Liberty Banker's effective September 1st, 2017. Customers ages 40 to 80 can apply for a policy through the Telesales application process. This process is easy with no hard copy applications needed.  This company is a "JIT" company once your contract is received and the company has it on file. The only pre-appointment state is NM.  This company does not require E & O insurance.

Product Details

Final Expense:

Not Available in CT, MA, MN, NH, NY, RI, VT

Over the phone application with voice signature approved. 3-Way point of sale interview required.


Simple Preferred:

Ages 18 to 80

Minimum Amount $3,000

Maximum Amount $30,000

Minimum Premium $15.00




Simple Standard:

Ages 18 to 80

Minimum Amount $3,000

Maximum Amoutn: $30,000

Direct Express Available Ages 40-80




Modified WL:

Ages 40 to 80

Minimum $1,000

Maximum $20,000

First 3-Year 100% face amount if Accidental

100% Face year 4

105% Face year 5

110%  Face year 6 + thereafter


State Availibilty

Other Products:

Flex 4 and Term products over the phone application with point of sale interview with 3-way call. Need wet signature.


Flex 4Life:

Tradtional WL created for health Seniors

Ages 0 to 80

Minimum Amount $10,000

maximum Amount $4 million

Payment options up to Age 100, Paid-up @ 70, 20-Pay (Accelerated Living Benefits), and 10-Pay options.

Riders: ADB, Waiver of Premium, Child/Grandchild 


Med-Free Term:

Traditional Term for 10, 15, 20, and 30 years.

Ages 18 to 49 $50,000 to $250,000

Ages 50 to 65 $25,000 to $250,000

Conventional Underwriting 18 to 65 for 

251,000 to $4M

Conversion Options

Riders: Child/Grandchild, ADB, Waiver of Premium, Accerlerated Living Benefits