Global Life Insurance Company Review [2024]

Global Life Insurance (Globe Life) is a strong life insurance company that has continued to grow. A.M. Best and Fitch suggest that Globe Life has excellent financial strength. J.D. Power consistently ranks it within the top 10 life insurance companies for customer satisfaction. Globe Life has more life insurance policy options than most competitors.

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Chris Tepedino

Feature Writer

Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Healing Law, WIBW Kansas, and He has been ...

Feature Writer

Jimmy McMillan

Licensed Life Insurance Agent

Jimmy McMillan is an entrepreneur and the founder of, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...

Licensed Life Insurance Agent

UPDATED: Jan 3, 2024

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Quick Facts

  • Globe Life is a long-standing life insurance company with billions in assets
  • The company’s financial strength and customer satisfaction ratings are excellent overall
  • Globe Life offers a wide variety of life insurance and related policies with convenient features for policyholders

When choosing between different types of life insurance, it’s important to choose a company that offers a variety of products. Globe life insurance policies offer a wide variety to select from.

It’s challenging enough to understand the difference between life insurance policies. We’ll help you get a better idea of whether of not you should invest in Globe Life by covering the company’s ratings, reviews, and more.

Ready to learn more about Globe life insurance? Keep scrolling to learn more or use our free quote tool to get rates from top insurance companies in minutes.

Is Globe Life insurance legitimate?

Operating for over a century, Globe Life is a legitimate life insurance company that continues to grow. The company was formerly known as Torchmark Corporation and changed names in 2019.

Based on a Torchmark revenue report in 2018, Globe Life had nearly five billion dollars in assets. The company has multiple lines of income through an assortment of products and subsidiaries, listed below.

  • Globe Life Liberty National Division
  • Globe Life And Accident Insurance Company
  • United American Insurance Company
  • American Income Life Insurance Company
  • Globe Life Family Heritage Division

The Texas-based life insurance company appears to be a trusted insurance provider. That said, just because a company has stores of assets doesn’t mean that they are entirely trustworthy.

Read more: Texas Life Insurance

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Are the Globe Life insurance reviews good?

Choosing a company like Globe Life might be intimidating if you’ve never heard the brand name before. However, not all insurance companies use marketing as heavily as brands like State Farm and Allstate.

Before you invest in any life insurance company, you’ll want to be sure to analyze the company’s financial strength ratings and customer service reviews.

Below, you’ll find a variety of ratings and reviews for Globe Life.

  • A.M. Best: A
  • Fitch: A+
  • Moody’s: Baa1
  • Better Business Bureau (BBB): A+ Accredited
  • NAIC Complaint Index: 1.30
  • J.D. Power: 788

Globe Life’s ratings are strong overall. A.M. Best, Fitch, and Moody’s each rated Globe Life highly for financial strength. This basically proves that Globe Life is financially capable and reliable for future investments.

In further support, the company has yielded favorable customer service reviews from the NAIC, BBB, and J.D. Power. Together, these three organizations suggest that you and your beneficiaries shouldn’t have much trouble with the company’s customer service team.

The NAIC Complaint Index indicates that the company fields an average number of complaints, but nothing in excess. Those complaints are handled promptly according to the BBB rating of “A+”.

The company’s 2021 J.D. Power score falls within the top 10 life insurance companies for customer satisfaction. While this was a subtle decrease from 2020, the company consistently falls within the top 10.

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Based on the ratings above, it appears that Globe Life is a safe company to purchase a life insurance policy from.

What policies are available with Globe Life?

Globe Life offers a handful of different life insurance policies. The policy you choose should be based on your budget, coverage needs, and what you want the policy for.

Globe Life offers more life insurance options than most industry competitors. These options include:

  • Term life insurance
  • Children’s life insurance
  • Whole life insurance
  • Final expense insurance
  • Guaranteed acceptance life insurance (no exam)
  • Accidental death insurance

With Globe Life, there is a policy for virtually any situation. Some policies are more affordable while others are easier to get, depending on your needs.

For example, if you have multiple beneficiaries that are very dependent on your income, term life insurance policies can offer large death benefits that would be dispersed to those beneficiaries when the time comes.

On the contrary, if you’re an older adult with no real dependents, final expense insurance could be a more rational option as it simply covers funeral expenses.

To get specific policy details from Globe Life, you’ll need to contact an agent. The company doesn’t disclose many of these details publicly. For starters, you might want to learn more about term vs. permanent life insurance.

Otherwise, Globe Life does offer a handful of life insurance riders based on the information we could gather. These riders include critical illness, return of premium, and child life insurance.

In short, these riders are special features that can be added to your life insurance policy at an additional cost.

More About Globe Life Insurance

Globe Life has a lot to offer between its variety of policies and strong company ratings. The last thing you’ll need to know is what to expect as a policyholder or beneficiary.

Some life insurance companies have a strong user experience for a policyholder but not the beneficiary, or vice versa. This could be problematic during the claims process.

When buying a policy, you have convenient options. You can buy directly online, via an agent, or by calling the Globe Life insurance phone number. Most companies don’t have online options.

Globe Life’s website is modern and functional. You should be able to log in online to submit your Globe Life insurance payment, change policy details, and more. These functions are also available on the Globe Life mobile app.

Where Globe Life is lacking is in the claims department. It appears that the company still relies on paper mail for claims which can be a bit time intensive and difficult to track.

They do have a claims email and phone number for beneficiaries to use as a means of contact, but as of the current moment the forms will need to be mailed. Many larger companies have transitioned to online claims to make the user experience even better.

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Globe Life Insurance: The Bottom Line

Globe Life is an established life insurance company that has strong ratings, ample policies, and good resources for policyholders. If they provide reasonable quotes, they could be a great choice for life insurance.

We hope you enjoyed reading our Globe Life insurance review. Before you go, use our free quote tool to get instant rates from the top life insurance companies near you.

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