Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jan 14, 2022

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The Brief

  • Globe Life provides term and permanent life insurance policies
  • Globe Life has more complaints than most competitors
  • Globe Life has been rated an A by A.M. Best

Globe Life provides affordable no exam life insurance for customers throughout the United States. Additionally, the company has been rated an A by A.M. Best and an A+ by the Better Business Bureau.

Discovering more about Globe Life life insurance will help you decide if the company has the right coverage for you. Before jumping into this Globe Life life insurance review, enter your ZIP code to get free life insurance quotes in your area.

What are the Globe Life life insurance rates?

For many customers, the cost of coverage is a determining factor when choosing a life insurance company. Globe Life sample life insurance rates help you determine if the company’s policies are cost-effective.

The following chart shows the average monthly Globe Life rates for a $30,000 policy based on age and gender.

Globe Life Life Insurance Average Monthly Rates for a $30,000 Policy by Age and Gender

AgeAverage Monthly Life Insurance Rates for MalesAverage Monthly Life Insurance Rates for Females
18-20$9.49$8.19
21-25$12.49$9.49
26-30$15.49$12.49
31-35$18.49$15.49
36-40$21.99$18.49
41-45$27.99$21.99
46-50$34.99$27.49
51-55$46.49$34.49
56-60$59.49$43.49
61-65$83.49$56.49
66-70$111.99$76.99
71-75$157.49$104.99
76-80$229.49$152.99
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As you can see, females experience the most affordable Globe Life life insurance quotes. Also, term life policies feature annual renewals, and rates will typically increase when you renew a term.

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What policies are available from Globe Life life insurance?

Globe Life provides customers with term life, whole life, and final expense insurance. Additionally, the company offers guaranteed acceptance policies for those with pre-existing health issues.

Term life policies are available from one to 30-year terms and range in value from $5,000 to $100,000. Additionally, all term life policies feature annual renewal, allowing customers to continue their policy after the original term expires.

Globe Life offers whole life insurance, which ranges in value from $5,000 to $50,000. These policies feature a cash value that builds over time. Once the cash value reaches a predetermined amount, customers can take out a loan against the policy.

In addition to adult whole life coverage, Globe Life offers whole life plans for children. Like the adult plans, a child’s whole life policy has fixed rates but only ranges in value from $5,000 to $30,000.

If term life or whole life coverage is too much or you don’t qualify, the company also offers final expense insurance. This type of coverage pays for funeral and burial costs, taking the burden off your loved ones.

All of the previously-mentioned policies require customers to fill out a health questionnaire. However, none of the plans require a medical exam.

Customers with poor health might attempt to avoid a medical exam and questionnaire. For those customers, Globe Life offers guaranteed acceptance policies. These plans are available for customers between 65 and 80 years old, and values range from $3,000 to $15,000.

Does Globe Life life insurance offer riders?

Most life insurance companies offer options to customers that they can add to a policy. These options are called riders and allow customers to customize their coverage. The riders offered by Globe Life include:

  • Children’s term to 25
  • Terminal illness accelerated benefit
  • Waiver of premium

Globe Life offers fewer riders than most competitors. As a result, many customers will only have the coverage provided by the standard policy.

How is Globe Life life insurance rated?

Credit rating agencies review and rate insurance companies based on financial strength. These financial ratings determine the company’s likelihood of providing a payout when customers file a claim.

Globe Life has been rated an A by A.M. Best, an AA- by S&P, and an A+ by Fitch. While not at the top of the agencies’ scale, each of these ratings is considered solid and indicates that customers can expect a payout when they file a claim.

The Better Business Bureau (BBB) rates insurance companies based on their business practices. Globe Life has been rated an A+ by the BBB, indicating that the company is transparent when dealing with customers.

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Does Globe Life life insurance have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) review complaints made about insurance companies. Both organizations have completed Globe Life insurance reviews.

At the time of this review, the BBB has received 125 complaints about Globe Life over the past three years. Additionally, 20 customers have submitted reviews on the BBB website, giving Globe Life an average rating of one out of five stars.

According to the NAIC, Globe Life has a complaint index ratio of 3.52. This number indicates that Globe Life has more than three times the number of complaints than the average company of a similar size.

Does Globe Life life insurance have a website and mobile app?

Customers can manage their accounts through the Globe Life eService Center. Entering your Globe Life Insurance policy login allows you to complete several tasks, including:

  • Make payments
  • Review policy details
  • Update mailing address

In addition to the website, the Globe Life Insurance app is available on all mobile devices. The app allows customers to complete the same actions as the website.

How can you buy Globe Life life insurance?

Customers can shop for and buy coverage online, over the phone, or by mail. To purchase a policy by phone, you can speak with a representative by calling the Global Life Insurance phone number at 1-877-577-3860. Representatives are available Monday to Friday from 7:30 p.m. to 6:00 p.m. (CT).

In some cases, customers can buy Globe Life Insurance policies online. However, customers can only purchase some plans by calling the company. Speaking with a representative will help you determine if you can buy your desired policy online.

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How can you file Globe Life life insurance claims?

Customers can file Globe Life Insurance claims by email or phone. Those that prefer to file a claim by phone can call the Globe Life claims department at 1-800-654-5433. Customers who file a claim by email can send incident information to [email protected]

The time it takes to receive a payout for your claim depends on the length of the policy. Customers for more than two years are eligible for an incontestable claim, and the payout will arrive right away. Customers for less than two years are subject to further review.

How can you make Globe Life life insurance payments?

Customers can make a Globe Life Insurance payment monthly, quarterly, or annually. The company gives the customer the choice of payment frequency. Payment options offered by the company include:

  • Online
  • Bank draft
  • Phone
  • Mail

While direct billing is an option, customers can also pay by Visa, MasterCard, or electronic funds transfer. Additionally, customers can change their payment method or information through Globe Life’s eService Center.

What are the pros and cons of Globe Life life insurance?

Every insurance company has positives and negatives that customers should consider. Understanding these pros and cons will help you determine if the company is right for you.

Positives of Globe Life include acceptance without a medical exam, no waiting period for coverage, and the ability to buy online, by phone, or by mail.

Negatives of Globe Life include more complaints than many competitors, guaranteed issue plans unavailable for whole life policies, and an inability to file claims online.

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What is the history of Globe Life life insurance?

The Globe Life life insurance company was founded in 1951 to provide customers in Oklahoma with inexpensive life insurance. The company grew extensively over the next 12 years, serving customers in 36 states by 1964. Today, the company is based in McKinney, Texas, and has 4.3 million policyholders.

Globe Life life insurance: The Bottom Line

Globe Life provides term life, whole life, and final expense insurance to customers throughout the United States. The company has strong financial ratings but far more complaints than the average company of a similar size.

Learning more about Globe Life life insurance will help you determine if the company is right for you.

Now that you know about Globe Life life insurance, enter your ZIP code to find free life insurance rates in your area.