Founded in 1900, Globe Life offers a handful of life insurance products that do not require a medical exam, making it a convenient option for many consumers. However, no medical exam does not automatically equal a guaranteed issue policy, so if you deal with chronic or severe health issues, you may still be declined for many of Globe Life’s coverage options. Bankrate’s Globe Life insurance review analyzes the company’s offerings to help you decide if its insurance cost and coverage types fit your needs.
Globe Life’s insurance policies come in several life policy types, including term, whole and final expense. You may be able to get a life insurance quote online, or you might have to call an agent, depending on the type of coverage you need.
Globe Life uses several different underwriting companies:
- Globe Life and Accident Insurance Company
- Liberty National Life Insurance (Globe Life Liberty National Division)
- United American Insurance Company
- American Income Life Insurance Company
- Family Heritage Life Insurance Company of America
- Globe Life Insurance Company of New York
- National Income Life Insurance Company
Your policy could ultimately come from a provider other than Globe Life. This may depend on the type of policy you choose, the amount of life insurance you need and the state you live in.
- Term: If you’re comparing term life insurance companies, you may be considering Globe Life. With Globe Life’s term coverage, you could buy a policy online — although you can still work with an agent if you prefer — and without a medical exam. Not dealing with a medical exam does have a trade-off, however. You can only get up to $100,000 in term coverage (or $50,000 in New York), which is lower than most other insurers offering term life insurance.
- Permanent: Globe Life offers whole life insurance, which is a type of permanent policy designed to cover your entire life as long as you pay the premiums. You are not able to purchase Globe Life whole life insurance online; you’ll have to work with an agent or purchase coverage by mail. Although there is a health questionnaire, you won’t need to take a medical exam for Globe Life’s whole life coverage. Globe Life offers whole life coverage up to $50,000.
- Final expense insurance: Final expense coverage is a type of whole life insurance designed to cover your final expenses, which are typically burial or cremation costs, funeral services and other end-of-life arrangements. Globe Life’s final expense coverage can be purchased online and doesn’t require a medical exam. Final expense coverage may be a popular life insurance option for seniors who no longer have dependents to take care of, although you should keep in mind that it is typically more expensive and coverage limits are generally capped at a fairly low number.
- Mortgage protection insurance: Although Globe Life’s policies don’t typically require a medical exam, you could still be denied coverage. However, Globe Life’s mortgage protection insurance is a guaranteed option. It’s important to note that this product is an accidental death and dismemberment insurance policy meaning it only pays out as a result of an accident, not natural causes or illness.
- Children’s life insurance: Because age is one of the biggest factors when rating a life insurance policy, buying coverage for your children when they are young can help them secure a low premium as they age. Like many of Globe Life’s other policies, coverage can be purchased without a medical exam and can be bought online. You can buy a death benefit up to $30,000.
Pros and cons of Globe Life insurance
Globe Life insurance may not fit everyone’s needs, as each life insurance company caters to different types of needs. Here’s some information that may help you decide:
Globe Life may be a good life insurance company for many, but it’s not likely to fit everyone’s needs. Life insurance is intensely personal, so finding the right company is important. If you aren’t convinced that Globe Life is the right fit, consider these other options:
Globe Life vs. Guardian
If you’re looking for a company with more options for personalization, try Guardian. The carrier offers numerous life insurance products with plenty of riders to customize your coverage. Guardian also offers several products that Globe Life does not, like disability, dental and vision insurance, along with investment products such as annuities and individual retirement accounts (IRAs).
Globe Life vs. MassMutual
MassMutual won a 2025 Bankrate Award for best whole life insurance company. The company may be particularly good for those who need a high level of coverage. In addition to life insurance and long-term care insurance, MassMutual also offers a host of investment and retirement products, including 529 plans, IRAs, mutual funds and several types of annuities. MassMutual earned the third-highest spot in the 2024 J.D. Power Individual Life Insurance Study and has the highest AM Best financial strength rating, A++ (Superior).
Globe Life vs. State Farm
This well-known company won the 2025 Bankrate Award for best term life insurer. With high customer satisfaction scores, State Farm could appeal to those looking for a seamless policy experience. State Farm also has numerous points of contact, including local agents, a customer service phone line, a mobile app and an online customer portal. Besides life insurance, State Farm also offers auto, business and home insurance, along with banking services, home loans and investment products.
Globe Life has solid financial strength ratings but mixed reviews for customer satisfaction. The company may be best suited for those who don’t need large amounts of coverage and prefer a no-exam option. However, due to its limited coverage options and few riders for customization, Globe Life may fall short when compared to other top life insurance companies.
What are real-life customers saying about Globe Life?
To provide a clearer picture of Globe Life's customer experience, we examined feedback from Reddit and Trustpilot. While Reddit discussions often centered on general opinions about life insurance and Globe Life's business practices, Trustpilot reviews provided more direct insights into customer interactions.
Reddit reviews
Most customer feedback on Reddit focused not on Globe Life’s life insurance products but on general perceptions and user feedback regarding the value of different life insurance types. Numerous comments suggested that Globe Life operates similarly to an MLM agency (multi-level marketing company, or company that uses a network of distributors to sell policies), with some users reporting scam-like behavior and practices.
Trustpilot reviews
On Trustpilot, Globe Life insurance reviews were mixed; although some reviews were in regard to policies, many were complaints about junk mail and spam. Out of 18 reviews, only one was positive, while the rest were negative. Here’s a snapshot of some of those reviews:
Globe Life company details
Here are a few ways to get in touch with Globe Life:
- Sales: (800) 831-1200
- Customer service: (844) 726-4372
- AIL Special Risk Division: (800) 849-4820
State availability
Globe Life has nationwide availability. However, coverage options and eligibility criteria vary by state. They have several underwriting companies under the Globe Life name; Globe Life Insurance Company of New York only writes for New York.
Globe Life tools and benefits
Globe Life and its subsidiaries mainly focus on life insurance, although the company does offer supplemental health insurance and annuities, including the following:
- Accident insurance: Helps pay for costs associated with ambulance services, emergency treatments, hospitalization and intensive care following an accident. It also includes an additional death benefit if the policyholder dies due to an accident.
- Cancer insurance: Provides financial support for expenses related to a cancer diagnosis that health insurance does not cover, such as income replacement, childcare costs and transportation to treatment facilities.
- Critical illness insurance: Offers a lump sum benefit following a covered critical illness, such as a heart attack or stroke.
- Hospital insurance: Covers medical bills and loss of income that might result from a hospital stay, including costs of deductibles, coinsurance and copayments.
- ICU insurance: Designed to cover part or all of any stays in the ICU that traditional insurance plans may not cover.
Frequently asked questions about Globe Life
Life Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s financial strength, product and rider offerings, availability, customer experience and corporate sustainability. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Ratings): To determine a life insurance company’s financial health and reliability, we assessed several industry-standard ratings, such as J.D. Power, AM Best, Comdex, the National Association of Insurance Commissioners (NAIC), and credit agencies like Moody’s, Fitch and S&P.
- Tier 2 (Coverage options): We assessed companies’ coverage options, availability and policy features to help policyholders find a provider that best meets their needs. We examined each company’s life insurance product lines, including term, whole and universal life options.
- Tier 3 (Accessibility & process): To assess the ease and transparency of applying for coverage, we reviewed the simplicity of obtaining a quote and insurers' underwriting processes — including eligibility requirements. We also considered insurers’ community engagement.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.