Globe Life Insurance Review 2026

Globe Life offers a mix of term and permanent life insurance at an initial low cost. The affordability is enticing with $1 buying your first month’s coverage — but that cost quickly increases. And because Globe Life draws a high volume of consumer complaints and offers fairly low coverage amounts, you can likely find more value elsewhere.

Globe Life earned 3.1 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.

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Where Globe Life stands out

Globe Life offers a wide range of term and permanent life insurance, including whole life insurance for children and burial insurance. The initial cost of a Globe Life policy is affordable and you can buy a policy online, over the phone or even via mail.

Where Globe Life falls short

Globe Life draws far more than the expected number of complaints for an insurer of its size. While the first premium payment is cheap, costs can rise steeply afterwards. The company’s coverage amounts are also quite low and may not be enough to meet your life insurance needs.

Globe Life sells a range of life insurance policies online and through its network of agents, with no medical exam needed.

Term life insurance. Globe Life offers $5,000 to $100,000 of term life insurance that usually lasts until age 80, depending on your state. But note that rates for Globe Life’s term life insurance increase every five years.

Whole life insurance. If you need lifelong coverage, you can buy a whole life insurance policy worth $5,000 to $50,000. It builds cash value over time, and once you’ve accumulated enough, you can begin taking out loans against your policy.

Child whole life insurance. Globe Life allows you to purchase $5,000 to $30,000 in whole life insurance for your child.

Final expense insurance. This burial insurance policy is designed to cover end-of-life costs. You can choose whether you want $5,000, $10,000, $20,000, $30,000, $50,000 or $100,000 in coverage.

» MORE: Compare life insurance quotes

Globe Life’s term life insurance coverage tops out at $100,000. A healthy, nonsmoking 40-year-old male can expect to pay $69 a month, while a 40-year-old woman might pay $47 a month. We sourced these rates directly from Globe Life’s site, and they’re valid as of December 17, 2025.

A strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. Over three years, Globe Life has drawn far more than the expected number of complaints to state regulators for a company of its size, according to a NerdWallet analysis of data from the National Association of Insurance Commissioners.

Globe Life ranked No. 9 out of 22 companies for customer satisfaction in J.D. Power's 2025 U.S. Individual Life Insurance Study[1].

How Globe Life’s customer experience stacks up

Globe Life's website is easy to navigate, but policy details are minimal. For more specifics, you'll need to contact an agent or request information through the mail.

When we called to learn more about policies, we were connected to a representative in about a minute. They answered our questions and provided a sample quote for term life insurance.

The representative explained that Globe Life’s term policies last until a certain age — in this case, 90 — instead of a set number of years like most term policies. When they gave us a monthly quote, they didn’t mention that rates for Globe Life’s term insurance increase with age, as detailed in the fine print on the website.

Although Globe Life doesn’t offer online chat, they do have a mobile app for both Android and Apple designed for paying premiums and learning about coverage. Reviews lean negative, however, with many users reporting issues logging in or making payments.

What it’s like to apply for a policy with Globe Life

Depending on the type of coverage you’re looking for, you may be able to get a quote and apply for coverage with Globe Life online, over the phone or by mail.

To apply online for term life insurance, you’ll likely need to enter your state, name, email, mailing address and age range to move forward. Once you complete the required fields, you’ll typically be redirected to the Globe Life application website, where you can see a range of quotes for different coverage amounts.

You can also get a quote for term coverage over the phone. You may be asked a few basic questions, including your name, birthday and state. From there, the representative can walk you through the application process.

To get a quote or apply for whole life coverage, you’ll need to call Globe Life directly, connect with an agent online or have information sent to you by mail.

Screenshot captured by NerdWallet’s editorial team on October 15, 2025.

To file a life insurance claim, you’ll need to download and mail a form along with supporting documents.

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’s headquartered in McKinney, Texas, and has life insurance agents across the country.

In addition to life insurance, Globe Life offers:

• Accidental death insurance.

• Mortgage protection insurance.

• Supplemental health insurance, including critical illness insurance, hospital insurance, cancer insurance, ICU insurance and accident insurance.

Globe Life can be reached by:

• Phone: For information on Globe Life’s products, call (800) 831-1200. Existing policyholders can call (315) 451-2544 on weekdays from 8 a.m. to 4:30 p.m. ET for customer service. 

• Email: Fill out the form on Globe Life’s contact page.

• Live chat: Not available.