Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Globe Life insurance review 2020

Last updated:  

Choose from term, whole and children’s whole life insurance — all without taking a medical exam.’s rating: 3.0 / 5.0


Get a quote if…

  • You’re on a budget or have basic coverage needs.

Pick something else if…

  • You need more than $100,000 in life insurance.

18 to 70

Issue Age

$5,000 to $100,000


No – simple application

Medical Exam Required


Free quote Online, Phone
Policy options Term, Whole, Children's insurance
Term lengths 5 year level term
Monthly cost As low as $3.49 a month
Claim methods Mail
Ratings A.M. Best: A+ (Superior)** rating as of 7/18
Available states All states except New York
Customer support Phone, email, mail, social media
Riders None

Expert review

Katia Iervasi

Review by

Katia Iervasi is a writer from Sydney, Australia. Her writing — and curiosity — has taken her around the world, and she now calls New York home. With a journalistic eye for detail, she navigates insurance and finance for Finder, so you can splash your cash smartly (and be a pro when the subject pops up at dinner parties).

Expert review

Globe Life is ideal for those who are looking for a streamlined application and a small amount of coverage — up to $20,000 for children’s whole life, $50,000 for whole life or $100,000 for term life. While you can forgo the medical exam, the insurer doesn’t offer riders and has a poor reputation for customer reputation.

What types of insurance coverage does Globe Life offer?

Globe Life sells three types of policies, and none of them require a medical exam:

  • Term life insurance. Term policies provide protection for a set period of time, and you can purchase a policy valued between $5,000 and $100,000.
  • Whole life insurance. This policy offers lifelong protection and builds cash value over time. You can buy up to $50,000 in coverage.
  • Children’s whole life insurance. With this policy, the coverage tops out at $20,000 and premiums are based on your child’s or grandchild’s age at the time of purchase.

What riders can I add to my policy?

Globe Life doesn’t appear to offer any riders. This means that any payouts from your policy will be limited to a lump sum death benefit. If you want to customize your coverage with add-ons like an accelerated death benefit or waiver of premium rider, you’ll need to look elsewhere.

How much does Globe Life cost?

The insurer doesn’t disclose its rates on its website. But it does have a unique offering: If you purchase a children’s whole life policy, you’ll pay just $1 for the first month of coverage. After that, the rates will be adjusted based on your child’s or grandchild’s age and will stay the same for the life of the policy.

Pros and cons of Globe Life


  • No-exam policies. Customers don’t need to take a medical exam to purchase a policy, which is appealing for high-risk applicants or those who need coverage right away.
  • Accessible entry point. To make life insurance affordable for more people, Globe Life offers coverage starting at $5,000.
  • Long free look period. After you buy a policy, most insurers give you 10 days to change your mind — but Globe Life has a 30-day money back guarantee.
  • Financial strength. Globe Life has an A+ (Superior) rating with A.M. Best, meaning it has the cash reserves to pay out claims.


  • Low maximum coverage amounts. Death benefits are capped at $50,000 or $100,000 depending on the state you live in, which might leave you underinsured.
  • Lacks rider selection. Globe Life doesn’t give policyholders the opportunity to bridge any gaps in their coverage with tieders.
  • Short customer service window. Reps are only available by phone on weekdays during business hours.
  • Customer reputation. The insurer is known for its poor customer service and delayed claim payments.

Life insurance companies like Globe Life

Name Product Issue Ages Minimum Coverage Maximum Coverage Medical Exam Required State Availability
LadderLife™ Life Insurance
20 - 60 years old
Not available in New York
Term life insurance with no policy fees and the freedom to cancel anytime. Simple application process that can get you approved for coverage instantly.
18 - 85 years old
Depends on provider and policy
All 50 states
Compare affordable quotes from 12+ A-rated life insurance companies side-by-side.
18 - 100 years old
This life insurance broker combines technology and the human touch to match you with a policy tailored to your needs.
21 - 54 years old
Not available in New York
Affordable 2-, 10- and 20-year term life insurance policies. Instant quotes and no medical exams.
20 - 85 years old
Depends on policy.
Products and product features may not be available in all states.
This well-established life insurance provider could offer you $250,000 worth of coverage for as low as $14 per month.

Compare up to 4 providers

Globe Life reviews and complaints

Globe Life is accredited by the Better Business Bureau (BBB), which awards it an A+ rating. The BBB records 56 complaints over the last three years, many of which had to do with the slow claims process and confusing application. Customers give the company 1 out of 5 stars.

However, Globe Life’s complaint ratio score with the National Association of Insurance Commissioners is 3.85, which is almost four times the national average. Many of the complaints stemmed from poor communication and slow claims process.

How do I sign up?

You can apply for coverage by calling 1-800-742-6787, or by filling out an online form.

These are the steps:

  1. On the homepage, choose a policy type and enter your name, address, phone number and age bracket. Click Submit.
  2. Select the amount of coverage you want to buy and click Continue.
  3. Answer a series of questions about your health and lifestyle. Click Continue.
  4. You’ll be presented with a range of quotes. Adjust your policy details as needed, and then click Continue if you’d like to proceed.

Frequently asked questions

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.


  1. Default Gravatar
    December 5, 2018

    What is the average wait time on a Globe Life life insurance policy for someone who had the policy for over 50 years and was on hospice before their passing?

    • Avatarfinder Customer Care
      December 10, 2018

      Hi MyLife199,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      I went to Globe Life’s website and couldn’t find a specific answer. However, they mentioned that every claim is unique and the handling time would vary from one situation to another. They assured clients that as soon as a person starts the claims process, they work hard to take care of your needs efficiently.

      What I can suggest is for you to make a claim now to ensure that your request is processed as soon as possible. You can then follow up on the status of your claim by calling Globe Life’s customer service department at 888-650-4081. Alternatively, you can also log in to your account through Globe Life’s eService Center.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


Go to site