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Globe Life, founded in 1951, provides both term and permanent life insurance. The company touts its low initial cost, with $1 purchasing your first month of coverage — but that cost quickly rises.

Formerly known as Torchmark, Globe Life also sells policies through subsidiaries including American Income Life, Liberty National Life, United American and Family Heritage Life. It is based in McKinney, Texas, and has life insurance agents all over the country.

Call them to get a quote and apply for insurance in minutes with a friendly Globe Life representative. Call us at 800-831-1200.

Globe Life insurance policies

Globe Life sells a variety of life insurance policies both online and through its captive agent network. A medical exam is not required for any of the policies.

Term life insurance policy. Purchase $5,000 to $100,000 in term life insurance, which typically lasts one to 30 years.

Life insurance in its entirety. If you require lifelong protection, you can purchase a whole life insurance policy for $5,000 to $50,000. It accumulates cash value over time, and once you’ve accumulated enough, you can start borrowing against your policy.

Whole life insurance for children. Globe Life allows you to purchase whole life insurance for your child ranging from $5,000 to $30,000.

Insurance for final expenses. This burial insurance policy, designed to cover end-of-life expenses, requires you to complete a health questionnaire.

Globe Life’s pricing may include a discount for the first month. The rate after that is determined by the insured person’s age at the time the policy goes into effect. Whole life policies have the same monthly cost for the life of the policy, whereas term policies have a five-year cost increase. A man in Virginia, for example, will pay 25% more for a $50,000 policy between the ages of 36 and 40 than between the ages of 31 and 35.

Types of Life Insurance Sold by Globe Life

Globe Life sells term life insurance, whole life insurance, children’s life insurance, and accidental death insurance. It also provides final expense insurance (also known as burial insurance) and mortgage protection insurance.

Globe Life’s life insurance policies do not require medical exams.

Globe Life’s term life insurance

Term life insurance periods at Globe Life typically range from one year to thirty years. Term life insurance policies from the company are available in coverage amounts of $5,000, $10,000, $20,000, $30,000, $50,000, $75,000, and $100,000. In some states, you may not be able to buy more than $50,000 in coverage if you are 60 or older.

The first month of Globe Life term life coverage costs $1, and your rate after that is determined by your age.

For example, after the first month for $1, here are the monthly Globe Life term life rates for a 50-year-old male.

Globe Life’s whole life insurance

Whole life insurance, also known as permanent life insurance, provides coverage for the rest of your life. It provides a death benefit to your beneficiaries and accumulates cash value. Whole life insurance is typically more expensive than term life insurance.

Globe’s whole life insurance coverage amounts are $5,000, $10,000, $20,000, $30,000, and $50,000.

Globe’s children’s life insurance

A parent or grandparent can purchase a Globe whole life insurance policy on behalf of their child or grandchild. The policy pays a death benefit as well as accumulates cash value over time.

There are coverage options of $5,000, $10,000, $15,000, $20,000, $25,000, and $30,000.

After the first month of coverage, the rates are based on the child’s current age and remain the same for the rest of the child’s life.

Globe Life’s final expense insurance

Final expense insurance, also known as burial insurance, is intended to cover funeral expenses, small unpaid debts, and even lost income if you die. Globe’s final expense insurance does not require a medical exam.

There are coverage options of $5,000, $10,000, $20,000, $30,000, $50,000, and $100,000.

Globe Life’s mortgage protection insurance

Globe Life’s mortgage protection insurance covers mortgage payments if the insured person dies or suffers dismemberment (such as a hand, foot or eye) in an accident. No medical exam is required.

For every year your mortgage protection insurance remains in force, the death benefit rises by 5% from the original death benefit until it reaches 125% or when you reach age 70, whichever comes first.

If you buy the family plan, Globe Life pays an extra 10% on your mortgage insurance death benefit if your child is between the ages of 15 and 22 on the date of your covered accident.

Globe Life’s Accidental Death Insurance Rider

Globe Life lets you buy an accidental death rider for its term life or whole life insurance policies. This rider will provide an extra life insurance payout if the insured person dies accidentally. Deaths from illness, such as cancer or heart disease, would not be covered by this accidental death rider.

Globe Life’s No-Exam Policies

Many insurance companies now offer no-exam life insurance. At Globe Life, none of their life insurance policies require a medical exam:

  • Term life insurance: Coverage up to $100,000
  • Whole life insurance: Coverage up to $50,000
  • Children’s life insurance: Coverage up to $30,000

Customer Service ; Monday – Friday | 8am – 5pm Eastern · Globe Life Family Heritage Division P.O. Box 470608 6001 East Royalton Road Suite 200.

You can contact Global life insurance customer service by visiting their contact page at

Call them to get a quote and apply for insurance in minutes with a friendly Globe Life representative. Call us at 800-831-1200.

(877) 577-3860
To check the status of your claim, you can call our Customer Service department at (877) 577-3860.

Globe Life insurance pros and cons



Offers life insurance policies without a medical exam.

Far more than the expected number of complaints for a company of its size.

Low rates for the first month.

Relatively low coverage amounts available.

Can buy a policy online, over the phone or via mail.

Can’t file a claim online.


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