{"id":323655,"date":"2025-11-10T16:58:39","date_gmt":"2025-11-10T21:58:39","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=122902"},"modified":"2025-11-10T16:58:39","modified_gmt":"2025-11-10T21:58:39","slug":"globe-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/life\/globe-review\/","title":{"rendered":"Globe Life Insurance Review"},"content":{"rendered":"\n\n\n\n\n\n

Globe Life is a direct-to-consumer life insurer offering basic policies for term life insurance<\/a>, whole life insurance, and children\u2019s life insurance. A medical exam is typically not required for Globe Life\u2019s products; instead, underwriting relies on application responses and third\u2011party data checks (for example, prescription history, MVR and MIB reports, and increasingly electronic health records), a mainstream approach many carriers use through accelerated or simplified underwriting programs (Deloitte 2024 insurance outlook<\/a>; MIB Life Index<\/a>). Coverage limits are modest compared with fully underwritten competitors: Globe Life\u2019s term life generally caps at $100,000, adult whole life up to $50,000, and children\u2019s whole life up to $30,000, with accidental death insurance up to $250,000 (Globe Life Term Life<\/a>; Globe Life Whole Life<\/a>; Children\u2019s Life<\/a>; Accidental Death<\/a>). By contrast, many major carriers offer fully underwritten and accelerated-underwriting term policies with limits in the $1\u2013$10 million+ range (for example, Legal & General America\/Banner Life<\/a>). For small coverage needs and fast, no\u2011exam decisions, Globe Life can be a convenient fit.<\/p>\n\n\n\n

Today, Globe Life says it serves more than 17 million policyholders<\/a> across its family of companies. In its most recent audited filings, the company reported life insurance in force in the mid\u2011$240 billions at year\u2011end 2024, with a modest increase reported in subsequent 2025 quarterly materials (SEC EDGAR filings<\/a>; Globe Life investor news releases<\/a>). Globe Life and Accident Insurance Company carries an A+ rating from the Better Business Bureau (BBB) as of 2025 (BBB<\/a>). Recent earnings updates indicate year\u2011over\u2011year growth in both net life and net health sales alongside rising premium revenue (latest quarterly results<\/a>).<\/p>\n\n\n\n

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Globe Life Insurance Overview<\/h2>\n
\n
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\n Reviews.com Score\n <\/div>\n\n 4.6<\/span>\n <\/div>\n
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\n AM Best\n AM Best rates insurance providers creditworthiness. Ratings are based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n <\/div>\n\n A+<\/span>\n <\/div>\n
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\n J.D. Power\n J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n <\/div>\n\n See 2024*<\/span>\n <\/div>\n <\/div>\n<\/section>\n\n\n\n

*J.D. Power’s 2024 U.S. Individual Life Insurance Study<\/a>. Based on a 1,000-point scale<\/p>\n\n\n\n

Globe Life best for: Hassle-free approval<\/h2>\n\n\n\n

Benefits<\/strong><\/h3>\n\n\n\n

Fast, no\u2011exam underwriting is a key draw. Like many carriers, Globe Life typically makes eligibility decisions using alternative evidence sources rather than scheduling paramed exams, which can shorten the process to minutes or days for eligible applicants (Deloitte<\/a>). These programs leverage data such as Rx histories, MVR and MIB checks, and in some cases electronic health records to assess risk while minimizing friction (MIB Life Index<\/a>). <\/p>\n\n\n\n

Globe Life\u2019s product lineup emphasizes simplicity and fixed premiums: adult whole life offers permanent coverage up to $50,000, children\u2019s whole life typically up to $30,000, and term life up to $100,000 (amounts vary by age and state). These smaller face amounts can fit final\u2011expense needs or basic income\u2011replacement gaps at accessible price points (Whole Life<\/a>; Children\u2019s Life<\/a>; Term Life<\/a>).<\/p>\n\n\n\n

Drawbacks<\/strong><\/h3>\n\n\n\n

Coverage ceilings are low versus the broader market. Many fully underwritten and accelerated-underwriting term policies from large carriers allow $1\u2013$10 million+ face amounts (subject to underwriting and financial justification), while Globe Life\u2019s term tops out at $100,000 (example competitor ranges<\/a>; Globe Life Term<\/a>). Also note that recent regulator data show multiple Globe Life subsidiaries with complaint indices above the industry average (index > 1.00) in the latest NAIC Consumer Information Source data, indicating more complaints than expected for market share (NAIC CIS<\/a>; Forbes Advisor review citing NAIC<\/a>).<\/p>\n\n\n\n

Globe Life Insurance vs. The Competition<\/h2>\n\n\n\n

<\/td>		AM Best Financial Strength Rating<\/strong><\/td>J.D. Power 2024 U.S. Individual Life Insurance Study Score<\/strong><\/a><\/td>NAIC Customer Complaint<\/strong><\/a>s<\/strong><\/td><\/tr>
Globe Life<\/strong><\/td> A+<\/td>See 2024 study<\/td>More complaints than average (index > 1.00)<\/td><\/tr>
Northwestern Mutual<\/strong><\/td>A++<\/td>See 2024 study<\/td>Fewer complaints than average<\/td><\/tr>
State Farm<\/strong><\/td>A++<\/td>See 2024 study<\/td>Fewer complaints than average<\/td><\/tr>
Nationwide<\/strong><\/td>A+<\/td>See 2024 study<\/td>Fewer complaints than average<\/td><\/tr>
New York Life<\/strong><\/td>A++<\/td>See 2024 study<\/td>Fewer complaints than average<\/td><\/tr>
Mutual of Omaha<\/strong><\/td>A+<\/td>See 2024 study<\/td>Fewer complaints than average<\/td><\/tr>
Principal<\/strong><\/td>A+<\/strong><\/td>See 2024 study<\/td>Fewer complaints than average<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

The Bottom Line<\/h2>\n\n\n\n

Globe Life is best suited for buyers who want small, straightforward coverage with fast, no\u2011exam approvals. It serves a large customer base\u2014more than 17 million policyholders<\/a>\u2014and reports life insurance in force in the mid\u2011$240 billions at year\u2011end 2024 (SEC filings<\/a>). But its low coverage caps and above\u2011average complaint indices for several subsidiaries (NAIC CIS<\/a>) make it less suitable for shoppers who need higher face amounts or prioritize top-tier customer satisfaction. If you require six\u2011 or seven\u2011figure protection, consider fully underwritten or accelerated\u2011underwriting term from major carriers that offer $1\u2013$10 million+ limits (example<\/a>).<\/p>\n\n\n\n

Globe Life Insurance FAQ<\/h2>\n\n\n
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Is Globe Life a good life insurance company?<\/h3><\/a>\n <\/span>\n <\/div>\n
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Judging by Globe Life\u2019s BBB and AM Best financial strength ratings, the company maintains a solid standing. Globe Life and Accident Insurance Company holds an A+ BBB rating as of 2025 (<\/span>BBB profile search<\/span><\/a>). However, recent regulator data indicate higher-than-expected complaint rates across multiple Globe Life subsidiaries (complaint index > 1.00) in the latest NAIC Consumer Information Source, meaning more complaints than expected for their market share (<\/span>National Complaint Index Report<\/span><\/a>; see also third-party synthesis <\/span>Forbes Advisor<\/span><\/a>). <\/span>Globe Life guarantees to pay out death benefits<\/span><\/a> as long as policyholder requirements are met.<\/span><\/p>\n\n <\/div>\n <\/div>\n<\/div>\n\n\n\n

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What types of life insurance does Globe Life offer?<\/h3><\/a>\n <\/span>\n <\/div>\n
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Globe Life offers <\/span>term life insurance<\/span><\/a>, <\/span>whole life insurance<\/span><\/a>, and children\u2019s life insurance policies (whole life). Globe Life also provides <\/span>accidental benefits insurance<\/span><\/a>, <\/span>Medicare supplement plans<\/span><\/a>, and <\/span>mortgage protection insurance<\/span><\/a>.<\/span><\/p>\n\n <\/div>\n <\/div>\n<\/div>\n\n\n\n

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What is the average life insurance cost per month with Globe Life?<\/h3><\/a>\n <\/span>\n <\/div>\n
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Globe Life provides life insurance at monthly rates<\/span><\/a> as low as $3.49 for adults and $2.17 for children. Costs generally increase with age and the amount of coverage you\u2019re looking for. For a 35-year-old female, average costs are $3.57 per month for term life insurance with $5,000 in coverage and $39.67 per month for term life insurance with $100,000 in coverage. Actual eligibility and pricing depend on underwriting rules and state availability.<\/span><\/p>\n\n <\/div>\n <\/div>\n<\/div>\n\n\n\n

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Does Globe Life pay out dividends to its policyholders?<\/h3><\/a>\n <\/span>\n <\/div>\n
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There are no records that show Globe Life pays out dividends to policyholders.<\/span><\/p>\n\n <\/div>\n <\/div>\n<\/div>\n\n\n\n

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Does Globe Life’s life insurance require a medical exam?<\/h3><\/a>\n <\/span>\n <\/div>\n
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No, Globe Life doesn’t require a medical exam to purchase many of its life insurance products. This reflects a broader market trend toward accelerated or simplified underwriting that uses digital evidence (e.g., Rx histories, MVR, MIB, and increasingly electronic health records) to make decisions quickly. Most large insurers now offer similar no-exam pathways for eligible applicants, while reserving traditional exams for cases that trigger risk flags (<\/span>Deloitte 2024 outlook<\/span><\/a>; <\/span>MIB Life Index<\/span><\/a>). Regulators are also emphasizing governance over the use of external data and AI in underwriting decisions (<\/span>NAIC model bulletin on AI<\/span><\/a>), and industry research highlights why some programs still use targeted labs or post-issue audits to manage misrepresentation risk (<\/span>Quest Diagnostics\/ExamOne research<\/span><\/a>).<\/span><\/p>\n\n <\/div>\n <\/div>\n<\/div>\n\n\n\n

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Can you cancel Globe Life Insurance?<\/h3><\/a>\n <\/span>\n <\/div>\n
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Yes. If you <\/span>stop paying premiums on your life insurance policy<\/span><\/a>, it will be canceled.<\/span><\/p>\n\n <\/div>\n <\/div>\n<\/div>\n\n\n\n

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Can I get higher coverage than what is offered by Globe Life insurance?<\/h3><\/a>\n <\/span>\n <\/div>\n
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Yes. If you want higher coverage than the $100,000 maximum amount of term life insurance offered by Globe Life Insurance, the insurer will send you to its partner site, <\/span>AIG Direct<\/span><\/a>. Across the broader market, many fully underwritten and accelerated-underwriting term policies allow face amounts from $1 million up to $10 million or more, subject to underwriting and financial justification (<\/span>example competitor limits<\/span><\/a>).<\/span><\/p>\n\n <\/div>\n <\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"

Globe Life is a direct-to-consumer life insurer offering basic policies for term life insurance, whole life insurance, and children\u2019s life insurance. A medical exam is typically not required for Globe Life\u2019s products; instead, underwriting relies on application responses and third\u2011party data checks (for example, prescription history, MVR and MIB reports, and increasingly electronic health records), […]<\/p>\n","protected":false},"author":345,"featured_media":348708,"parent":1766,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-reviews.php","meta":[],"categories":[1270],"tags":[15317],"post_author":[],"yoast_head":"\n2021 Globe Life Insurance Review | Reviews.com<\/title>\n<meta name=\"description\" content=\"Globe Life Insurance offers small-sized, no-exam term and whole life insurance policies, as well as limited life insurance for children.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/life\/globe-review\/\" \/>\n<meta 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