Does Globe Life Insurance have a good rating?

Yes, Globe Life Insurance has received strong ratings from reputable rating agencies such as A from A.M. Best, AA- from Standard & Poor’s Global Ratings, A+ from Fitch, and A from the Better Business Bureau (BBB). You can learn more about it in our reviews section above.

How long does it take Globe Life to pay out a claim?

After filing a claim, the insurance provider will review the claim and either decide to provide a payout, deny your claim, or ask for additional information. This claim process is typically done within a 30-day period depending on the state you are claiming from.

Globe Life Insurance Reviews 2026

Does it Provide Trustworthy Coverage You Can Count On?

Explore, select, and save with agents who understand your unique needs.

Are you looking for life and supplemental health insurance near you? Our 2026 Globe Life insurance reviews will help you decide if it is the right carrier for you. We highlight the pros and cons, the products, the reviews and ratings, and the prices to help you decide.

Life insurance is vital to financial planning as it provides a safety net for your loved ones. With so many life insurance carriers in the market, choosing the right one for you can be overwhelming In the U.S. alone, there are over 800 life insurance companies, ranging from large national providers to smaller regional ones. With our 2023 Globe Life insurance reviews, you’ll have all the information you need to decide your coverage options.

Overview of Globe Life Reviews

No. Of Reviews: Consumer Affairs (691), Google (9,118), Google Play (645), Total: 10,154
Ratings: Consumer Affairs (3.5), Google (4.3), Google Play (3.8), Average rating: 3.86 out of 5
Phone number: 800-831-1200
Global Life Address: 3700 S Stonebridge Dr, Mckinney, Texas

About

With more than 16.8 million policies and nearly $220 billion of coverage in force, Globe Life Insurance is known for its straightforward approach to life insurance, with simple, easy-to-understand policy options designed to meet the needs of families and individuals at various stages of life.

The company has several subsidiaries offering a range of life insurance products and supplemental health insurance products, such as American Income Life Insurance Company, United American Insurance Company, National Income Life Insurance Company, Globe Life Insurance Company of New York, and others.

The carrier is available in all states except New York, so New York residents need to get their policies from its subsidiary- Globe Life Insurance Company of New York.

Globe Life also has 3 divisions, which are as follows:

Family Heritage Division
Liberty National Division
Globe Life Group Benefits Division

You can find the list of products by division in the Products section of this page.

Pros and Cons of Globe Life Insurance

Pros

Affordable Policies
Instant online quotes
Simple and easy- to- understand policy options
Simplified underwriting with no medical exams
Online account management
One-on-one service by local insurance agents
Policies available for children and adults of all ages

Cons

Slow claims processing times
Low coverage amounts than other carriers
Term coverage available for up to 5 years only

Products of Globe Life

Life Insurance Products:

Term Life: Coverage ranging from $5,000 to $100,000
Children’s Life: Coverage ranging from $5,000 to $30,000
Whole Life: Coverage ranging from $5,000 to $50,000
Final Expense or Burial Insurance
Accidental Death Benefits
Mortgage Protection

Supplemental Health Insurance Products:

Cancer Insurance
ICU Insurance
Critical Illness
Hospital Insurance
Accident Insurance

List of Globe Life Products by Division

Family Heritage Division	Liberty National Division	Globe Life Group Benefits Division
Cancer Insurance	Whole Life	Group Limited Indemnity
Accident Insurance	Term Life	Voluntary Benefits Simplified
Heart Attack/Stroke Insurance	Cancer Insurance	Supplemental Medical Insurance
Intensive Care Insurance	Critical Illness Insurance	Critical Illness Insurance
Hospital Indemnity Insurance	Hospital Intensive Care Insurance	Short Term Disability Insurance
Life Insurance	Hospital Accident Insurance	Accident Insurance
-	Accident Insurance	Accidental Death & Dismemberment Insurance
-	$3000 Accidental Death Policy	-
-	Child Safe Kit	-
-	MedFacts Kit	-
-	Memorial Guide	-

Globe Life Insurance Rates

Did you know that Globe Life offers monthly rates as low as $3.49 for adults and $2.17 for children or grandchildren? Furthermore, you only need to pay $1 for the 1st month of your policy. After that, your rates are based on your age.

Learn more about life insurance cost>>

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How to Buy Globe Life insurance in 2023?

You can buy Globe Life insurance policies in multiple ways:

Online
Through the phone
By meeting an agent
By mail

Globe Life Insurance Complaints and Reviews

As you navigate the world of life and supplemental health insurance, you should consider the products and prices as well as the carrier’s reputation and financial standing.

So, here are some Globe Life Insurance reviews containing both the positives and complaints.

Sampling of customer reviews

3.6

(5 Reviews)

(2)

(0)

(2)

(1)

(0)

Reviews

This Company is so professional and considerate of their clients! I really appreciate the excellent customer service. Thank you Globe Life!

Customer Service needs to improve, I waited online too long and then felt like I was disturbing them. I discontinued my service for that very reason. Plus you pay too much for little coverage. Customer service sucks.

I have life insurance for my family with Globe Life and I must say it was so easy and stress-free getting everything set up. The agents are very friendly and knowledgeable. I highly recommend getting life insurance through them. My main reason being their prices, they are awesome and a low cost to me. Having that peace of mind and knowing my kids can take over their policies later in life is a plus as well.

I have had this insurance policy for a number of years. Because of my age, I am limited in the kind and amount I can get now. I should have started when I was younger. Now I am really paying for it. Globe ups your rate every five years which I do not like. This is term life until age 90, I believe. I am searching for a replacement policy.

It’s been 39 days and still no payout, this is on a incontestable life policy. Call after call waiting on doctors’ signatures. Death certificate took 15 days and then once the company had it it took them 17 days to acknowledge it was in their possession.

Source: Globe Life Google Reviews, Consumer Affairs

Globe Life Insurance Reviews by Agencies

Globe Life has received strong ratings from reputable rating agencies such as A.M. Best, Standard & Poor’s Global Ratings, Fitch, and BBB, which are listed below:

Globe Life Rating	Agency	Remarks
A+	Better Business Bureau (BBB)	Commitment to make a good faith effort to resolve consumer complaints
A+ (Strong)	Fitch	Strong capital position and consistent debt servicing capability
AA- (Very Strong)	Standard & Poor's Global Ratings	Strong ability to pay under the insurance policies and contracts
A (Excellent)	A.M. Best	Strong balance sheet and favorable business profile

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Our Thoughts - Is Globe Life Insurance Right for You?

Due to the rise of insurtech companies and the development of new distribution models and products, it is easier for consumers to access life insurance coverage. Globe life has also made access easy and fast through online modes. The quick application process, easy- to- understand policies, no medical exam, which leads to a minimal underwriting process, and one of the most affordable premiums makes Globe Life an ideal choice.

Regarding Globe Life Insurance reviews, the company has received mixed customer feedback. Many customers have only good things to say; however, there are complaints regarding claims processing times, slow service, and lower coverage limits.

Overall, the carrier has received positive ratings from several independent ratings agencies. Globe Life has consistently earned an A rating or higher from A.M. Best for over 45 years, and it has been accredited by the BBB since 1952 with a high rating of A+.

Their rates are also one of the lowest, making it accessible for customers on a tight budget. Hence, Globe Life Insurance is a good option for individuals and families looking for a simple and budget-friendly policy. Also, note that it’s essential to review the terms and conditions of any carrier and compare multiple options before deciding.

If you’re looking for different life insurance carriers or want to learn about them, you will find more on our list of best life insurance companies.

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Frequently Asked Questions

Does Globe Life Insurance have a good rating?

Yes, Globe Life Insurance has received strong ratings from reputable rating agencies such as A from A.M. Best, AA- from Standard & Poor’s Global Ratings, A+ from Fitch, and A from the Better Business Bureau (BBB). You can learn more about it in our reviews section above.
How long does it take Globe Life to pay out a claim?

After filing a claim, the insurance provider will review the claim and either decide to provide a payout, deny your claim, or ask for additional information. This claim process is typically done within a 30-day period depending on the state you are claiming from.

Sources

Agency Height Team

Updated on: June 17th, 2026

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