Globe Life Insurance Review (2026)

About Globe Life Insurance

Globe Life Insurance has a long operating history, with roots dating back more than a century. The company focuses primarily on simplified life insurance and supplemental health products.

Globe Life operates through a direct-to-consumer distribution model, relying on online applications, mailed applications, phone-based sales, and affiliated agents. Globe Life is generally positioned toward consumers seeking basic coverage with streamlined underwriting and modest policy face amounts rather than highly customized or investment-oriented life insurance solutions.

Globe Life Insurance Review 2026

This review evaluates Globe Life Insurance using a framework designed to reflect how consumers typically experience and compare life insurance companies. 

Financial Strength and Ratings

Financial strength ratings help indicate an insurer’s ability to meet its long-term policy obligations. Globe Life holds the following financial strength ratings from major rating agencies:

• A (Excellent) from AM Best.¹ AM Best assesses the creditworthiness of and/or reports on over 16,000 insurance companies worldwide.
• AA- (Very Strong) from S&P Global Ratings.² S&P Global Ratings provides high-quality market intelligence in the form of credit ratings, research, and thought leadership.
• AA- (Very High) from Fitch.³  Fitch provides credit ratings, commentary, and research for global capital markets.

These ratings generally reflect balance sheet strength, operating performance, and the company’s ability to pay claims over time. Globe also has an A+ from the Better Business Bureau,⁴ reflecting the company’s responsiveness to customer complaints and business practices rather than financial strength.

Product Mix and Policy Flexibility

Globe Life focuses on straightforward life insurance products, primarily term life and whole life coverage, along with policies geared toward children and final expense needs. The company also offers accidental death coverage and mortgage protection insurance, plus supplemental policies for events like accidents, hospital stays, critical illness, and cancer.

Compared with insurers that emphasize customizable permanent life insurance strategies, Globe Life’s offerings are generally simpler and built around standardized coverage options rather than permanent policies designed for broader premium and policy customization.

Underwriting Approach

Globe Life promotes an application process designed to make coverage easier to obtain, with many policies available without a medical exam. Applications are typically completed online, by mail, or over the phone, with approval decisions based largely on application information and data checks rather than in-person medical testing.

Because this simplified approach is designed to speed up approval and reduce barriers to entry, coverage amounts and product options may differ from policies issued through fully underwritten processes used by some larger insurers.

Globe Life Customer Experience and Accessibility

Globe Life primarily sells coverage directly to consumers rather than through independent broker marketplaces. Customers can typically request information by mail, fill out an online form, speak with a representative by phone, or work with affiliated agents to start coverage.

Ongoing policy servicing and claims support are generally handled through the company’s customer service channels, with online and phone-based options available for policyholders seeking assistance after purchase. Claims submission typically requires sending forms by mail, email, or fax rather than being completed entirely online.

Pros and Cons of Globe Life Insurance

Like most insurers, Globe Life has strengths that appeal to certain shoppers and tradeoffs depending on coverage needs and expectations. Here are some pros and cons to consider:

Pros of Globe Life Insurance

• Many policies are available without a medical exam, allowing some applicants to qualify through a simplified application process.
• Shoppers can request information and apply for coverage in multiple ways, with options to speak with representatives or affiliated agents during the process.
• Applications are marketed as quick and straightforward, appealing to shoppers seeking basic coverage without complex policy features.
• Coverage options are structured around smaller policy amounts designed to cover limited protection needs such as final expenses or supplemental financial support.

Cons of Globe Life Insurance

• Coverage amounts are generally lower than those offered by many competitors, which may limit options for shoppers seeking larger policies.⁵
• Consumer complaint levels reported through regulators have been higher than industry averages in recent years.⁵
• Policy details and pricing structures can be harder to compare upfront compared to companies that provide more transparent online quoting tools.⁵
• Claims submission typically requires sending forms by mail, email, or fax rather than being completed entirely online.

Products Offered by Globe Life Insurance

Globe Life offers a focused set of life insurance products, plus supplemental health coverage, with an emphasis on straightforward policies that can be purchased directly through the company. Product availability, including maximum available coverage, varies by age and state.

• Term life insurance: Coverage designed to last for a set period, with coverage amounts typically available from $5,000 up to $100,000.
• Whole life insurance: Permanent coverage with fixed premiums and cash value accumulation, commonly offered in coverage amounts from $5,000 to $50,000.
• Child life insurance: Whole life coverage that can be purchased by parents or grandparents, with coverage options typically ranging from $5,000 to $30,000.
• Final expense insurance: Whole life policies designed to help cover funeral and related expenses, with coverage options commonly available from $5,000 to $100,000.
• Accidental death insurance: Coverage that pays a benefit if death occurs due to a covered accident rather than illness or natural causes.
• Mortgage protection insurance: Coverage marketed to help pay off or reduce mortgage obligations if the insured person dies during the coverage period.

Globe Life also markets supplemental health insurance products, including Medicare supplement plans. The company also offers accident, cancer, hospital, critical illness, and ICU coverage, designed to help offset out-of-pocket medical costs associated with specific events.

Affordability Considerations

Globe Life’s pricing structure differs from many traditional term life policies because premiums renew at regular intervals rather than remaining level for the entire coverage period. Globe Life’s term coverage uses a modified premium structure in which rates typically increase every five years as the policy renews,⁶ which differs from the level premium structure many insurance companies offer.

Because Globe Life often focuses on simplified underwriting and smaller coverage amounts, pricing can sometimes appear accessible upfront, particularly for shoppers seeking limited coverage without undergoing a medical exam. However, renewal-based pricing means premiums may rise over time, making it important for shoppers to compare long-term costs alongside initial affordability when evaluating coverage options.⁶

Ethos vs Globe Life Insurance

Ethos and Globe Life both aim to make life insurance easier to purchase, but they differ in how coverage is distributed, how underwriting works, and which customers each company tends to serve best.

Distribution and Application Experience

Globe Life primarily sells policies directly to consumers through online forms, mail offers, phone sales, and affiliated agents. Some shoppers may begin the process online, while others request information by mail or work with an agent to complete an application.

Ethos uses a guided, digital experience to connect applicants with coverage that’s designed to be purchased fully online. Instead of selecting a carrier upfront, buyers complete one application and are matched to an insurer based on their profile, helping streamline the buying process while still accessing coverage from multiple highly rated companies.

Underwriting Approach

Globe Life frequently markets policies that do not require a medical exam, and uses simplified underwriting designed to make coverage easier to obtain. Coverage amounts are typically smaller, and premiums may increase over time as policies renew.

Ethos also offers coverage options that don’t require a medical exam. Instead, applicants answer health questions when they apply and underwriting decisions are made using those responses along with third-party medical data sources. Coverage amounts and underwriting outcomes vary depending on applicant health and profile.

Best-fit Customer Profiles

Globe Life may appeal to shoppers seeking straightforward policies with smaller coverage amounts, especially those comfortable requesting information by mail or completing applications with agent assistance.

Ethos may be a better fit for shoppers who prefer a fully digital application experience or who may need higher coverage amounts than Globe Life currently offers.