Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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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...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 15, 2021

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The Brief

  • You can cancel your Liberty Mutual life insurance at any time
  • You may be charged fees depending on where you live
  • You can change your policy to lower your rates if you want to keep your life insurance

There are many reasons you may need to know how to cancel Liberty Mutual life insurance. Perhaps you have found a better deal with another company or maybe you just don’t need the coverage anymore.

Whatever the reason, we will walk you through the steps you need to take to cancel your Liberty Mutual life insurance easily.

Before you cancel, read our Liberty Mutual life insurance review to find out more about the company.

Keep reading to learn how to cancel your Liberty Mutual life insurance. Enter your ZIP code to compare life insurance rates from multiple companies near you and find coverage that suits your needs.

What are the steps to cancel Liberty Mutual life insurance?

You may want to cancel your Liberty Mutual life insurance for a variety of reasons.

While there are different factors to consider depending on whether you have term or permanent life insurance, the steps to cancel are the same.

Here are the steps to take when canceling your Liberty Mutual life insurance:

  • Step 1 – Either call customer service or speak with your Liberty Mutual agent.
  • Step 2 – Give them your name and policy number.
  • Step 3 – Explain that you would like to cancel your life insurance policy. If you are canceling because your rates are too expensive, they may be able to offer you an alternative.
  • Step 4 – Ask for written confirmation of your cancellation and when it will go into effect.
  • Step 5 – Follow up on any outstanding matters, such as whether you should be getting a refund. You might also want to give one last call to Liberty Mutual to make sure your cancellation went through.

Liberty Mutual allows you to cancel your life insurance either by calling or speaking with your agent in person.

You can call the Liberty Mutual customer service number at (800) 290-8711 to speak with a representative. They can explain the cancellation process in detail and let you know of any fees you may have to pay.

While you can use your Liberty Mutual login to access your account, you can’t cancel your policy online.

There is no Liberty Mutual fax number listed.

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What should you consider before canceling your Liberty Mutual life insurance?

If you have just signed up for Liberty Mutual life insurance but want to cancel, it’s relatively easy. Liberty Mutual allows you to cancel your insurance at any time for any reason.

Liberty Mutual also offers a 10-day free look period. You can sign up for life insurance and use the 10 days to go over your policy. If you don’t want to keep the coverage, you simply cancel.

Canceling term life insurance is also simple. Term life insurance is just what it sounds like. It is for a specific amount of time, such as 10, 20, or 30 years.

This is the cheapest type of life insurance and has no cash value.

If you have paid for your term life insurance in advance, you may get a refund when you cancel. However, you may also be charged fees to cancel depending on what the rules are in your state.

Whole life insurance can be a little trickier to cancel. With whole life, your policy is in effect for as long as you keep it. There is also a cash value with this type of coverage.

When you are ready to cancel, you have a couple of choices. You can cancel outright and receive the cash value of the policy, minus any fees.

According to the Insurance Information Institute, surrender fees can be charged for canceling your whole life policy.

You can also just stop making payments. Liberty Mutual will use the cash value of your policy to make the payments until it is all used. Then your policy will lapse.

How to Cancel Liberty Mutual: The Bottom Line

While you can cancel your Liberty Mutual life insurance at any time, you may have to pay a penalty to do so. Speak with customer service or your agent to begin the cancellation process.

We hope you’ve learned everything you needed to know about how to cancel Liberty Mutual life insurance company coverage. Enter your ZIP code now to compare life insurance quotes from multiple companies near you today.