Updated October 16, 2026 · AssureCue Editorial Team
10Life vs Liberty Mutual
10Life
Liberty Mutual
Higher score in this comparison
Where 10Life and Liberty Mutual differ
| Compare | 10LifeReviewSee alternativesSee alternatives | Liberty MutualReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Travel, Home, Health, Critical illness, Life | Auto, Home, Renters, Landlord, Motorcycle, Life, Pet |
| Provider type | Comparison site | Insurer |
| Claims channels | Independent claims team, Phone, Email, Whatsapp | Online, Phone, App, Email |
| Premium from | Not confirmed | $5 |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | $250 |
| Cover limit | Not confirmed | Pet insurance annual maximum: $5,000, $10,000 or $15,000 |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Liberty Mutual scores higher overall: 9.4 vs 8.7.
- Founded is lower at Liberty Mutual: 1912 vs 2017.
- Liberty Mutual is available in 1 more country.
- Insurance types: only 10Life offers Travel, Health, Critical illness.
- Insurance types: only Liberty Mutual offers Auto, Renters, Landlord.
- Claims channels: only 10Life offers Independent claims team, Whatsapp.
- Claims channels: only Liberty Mutual offers Online, App.
- Support channels: only 10Life offers Chat.
Our verdict on each
10Life
10Life is a comparison site, not an insurer, so it suits expats in Hong Kong who want to see travel, health, critical illness, life and home quotes side by side. It has traded since 2017 under an Insurance Authority licence, and claims go through an independent team.
Liberty Mutual
Liberty Mutual explains that its listed underwriting companies are separate legal entities that issue the policies.
Score breakdown
| Area | 10Life | Liberty Mutual |
|---|---|---|
| Cost | Not confirmed | 8.9 |
| Offer | 9.6Higher | 9.5 |
| Trust | 8.2 | 9.7Higher |
How they place
| Ranking | 10Life | Liberty Mutual |
|---|---|---|
| Home insurance | 223 of 273 | 60 of 273 |
| Life insurance | 217 of 263 | 58 of 263 |
Every fact side by side
| Fact | 10Life | Liberty Mutual |
|---|---|---|
| Audience | Expats | Not confirmed |
| Pricing model | Not confirmed | Monthly |
| Legal entity | 10Life Financial Limited | Liberty Mutual Insurance Company |
| Headquarters | Hong Kong | United States |
| Founded | 2017 | 1912Lower |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Help centre, Email |
Business insurance
| Fact | 10Life | Liberty Mutual |
|---|---|---|
| Cover types | Not confirmed | Public liability, Professional indemnity, Employers liability, Cyber, Property |
| Industries | Not confirmed | Construction, energy, healthcare, technology, manufacturing and others |
Where each stands against the rest
| Fact | 10Life | Liberty Mutual | Median |
|---|---|---|---|
| Premium from | Not confirmed | $5below the median | $16.09 |
| Excess from | Not confirmed | $250highest quarter | $100 |
Median across 61 listed insurance providers.
Pros and cons
10Life
Pros
- One place to see quotes across travel, home and health, which runs from travel and home to health, critical illness and life.
- Claims are handled by an independent claims team, reachable on independent claims team, phone and email.
- Help runs on email, chat and phone, so a question can go by phone, chat, email or the help centre.
Cons
- As a comparison site rather than an insurer, the policy sits with the provider whose quote you take, which adds a step between you and the cover.
- Cover stops at the lines in travel, home and health, which leaves out auto, pet, motorcycle and landlord policies.
- Claims contact is narrower than general support, since independent claims team, phone and email does not include everything on email, chat and phone.
Liberty Mutual
Pros
- The captured source states the provider or product information summarized here.
Cons
- This describes the insurer’s stated entity structure and does not determine coverage under any policy.
Who each suits
10Life
Who it suits
- People who have just moved to Hong Kong, since the stated audience is expats.
- Households shopping across more than one line, with travel, home, health, critical illness and life all listed under travel, home and health.
- Buyers who prefer to see providers side by side before deciding, which is what a comparison site is set up to do.
Who should look elsewhere
- Motor, landlord and home emergency cover seekers: Hiscox UK writes home, renters and landlord, none of which appear in travel, home and health.
- Pet and motorcycle cover seekers: Good Sam Insurance Agency lists auto, home and renters, a wider range than travel, home and health.
- Gadget and car cover seekers: EuroAsia Insurance sells auto, home and travel, while auto and gadget sit outside travel, home and health.
Liberty Mutual
Who it suits
- Readers looking for the limited background stated in the captured source.
Current offers
10Life
Current offer
Discount code
Annual travel insurance discount promoted on homepage: 45% off
Homepage hero banner link slug homebanner_annual_travel_45off links to /products/travel
Source, checked September 26, 2026
Discount code
Single-trip travel insurance discount promoted on homepage: 50% off
Homepage hero banner link slug homebanner_single_travel_50off links to /products/travel
Source, checked September 26, 2026
Liberty Mutual
Current offer
Discount code
Bundle auto and home insurance online: over $950 average annual savings
Average annual savings based on a countrywide survey of new customers who reported savings when they switched to Liberty Mutual or Safeco between 10/2024 and 9/2025; savings vary; comparison does not apply in MA
Source, checked September 26, 2026
Discount code
Switch to Liberty Mutual auto insurance: over $700
Average annual savings based on a countrywide survey of new customers who reported savings when they switched between 10/2024 and 09/2025; savings vary; comparison does not apply in MA
Source, checked September 26, 2026
Discount code
Pet insurance stackable discounts for existing Liberty Mutual customers: up to 20%
Already a Liberty Mutual customer; products, rates and discounts may vary by state and are subject to change
Source, checked September 26, 2026
Country by country
| Country | 10Life | Liberty Mutual |
|---|---|---|
| Canada | No | Yes |
| Hong Kong | Yes | No |
| United States | No | Yes |
Questions about each
10Life
Is 10Life an insurer or a broker?+
It is a comparison site, and the legal entity behind it is 10Life Financial Limited. The policies come from partner providers rather than from 10Life itself, so the contract you sign is with whichever provider's quote you accept.
Who is 10Life built for?+
The stated audience is expats, people who have moved to Hong Kong and need cover arranged in their new market. Being based in Hong Kong keeps the quotes, the wording and the support in the same place the customer lives.
What types of cover can I compare?+
The range runs to travel, home, health, critical illness and life under travel, home and health. Auto, pet, motorcycle and landlord lines do not appear in that list, so anyone needing motor or pet cover would have to look at another provider.
Is the site regulated?+
It holds a licence from the Insurance Authority in Hong Kong, recorded as FB1526. As a comparison site, the firm handles the arranging and comparing side, while the cover itself is underwritten by the provider behind the quote.
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10Life
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