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Globe Life insurance review 2019

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Whole and term life policy options with no medical exam required – simple application.

Get a quote if…

  • You don’t want the hassle of a medical exam.

Pick something else if…

  • You want a long term length.

18 to 70

Issue Age

$5,000 to $100,000

Coverage Amount

No – simple application

Medical Exam Required


Insurance ProductsTerm, Whole, Children's insurance
Issue Age18 to 70
Coverage Amount$5,000 to $100,000
Term Lengths5 year level term
CostAs low as $3.49 per month
Medical Exam RequiredNo – simple application
Ratings, Accreditation and MembershipsA.M. Best: A+ (Superior)** rating as of 7/18

Expert review

Julia Cameron

Review by

Julia Cameron is a writer and editor who has experience in finance, mergers and acquisitions, content marketing and immigration law. She has a passion for interior design and an affinity for Old Florida, where she lives with her family.

Expert review

Globe Life has a streamlined application process, which means you can skip the medical exam when applying for coverage. It has a diverse product lineup, which includes a unique mortgage insurance offering. But according to its customers, Globe’s rates are actually higher than most when compared to other insurers, and filing a claim can be a frustrating process

What types of life insurance coverage goes Globe Life offer?

Globe Life offers a range of protection to protect the financial future of the people you love most.

Globe Life’s range of protection plans includes:

  • Term life insurance. Coverage ranges from $5,000 to $100,000 with a simple application process starting as low as $3.49 per month. However the term lengths are short. The initial period is 1, 2, 3, 4 or 5 years, with policies renewing every 5 years.
  • Whole life insurance. Guaranteed lifetime rates can help you build cash value on policies of up to $50,000. Plans don’t require a medical exam and come with a 30-day money-back guarantee.
  • Children’s life insurance. Starts at $2.17 per month, with coverage topping out at $20,000. Your rate is based on the child’s age and is guaranteed for life, no medical exam required.
  • Accidental benefits insurance. Guaranteed acceptance for all applicants ages 18 to 69 with coverage of up to $250,000 and a 30-day money-back guarantee.
  • Mortgage protection insurance. Helps cover your mortgage payments if you die unexpectedly. Acceptance is guaranteed, with rates starting as low as $5.50 a month and a 30-day money-back guarantee.

What riders can I add to my life insurance policy?

Your typical life insurance policy doesn’t cover every unforeseen life event. To ensure your policy can provide comprehensive coverage, explore the benefits of common policy add-ons. Globe Life doesn’t specify which riders it offers on its website, but these are a few of the common ones most insurance companies have available:

  • Children’s rider. A children’s rider can be added to adult life insurance policies to provide life insurance protection for your children until they come of age.
  • Living benefits. Also known as an accelerated death benefit, this policy add-on typically offers an early release of death benefits should the policyholder be diagnosed with a terminal illness.
  • Waiver of premium rider. This add-on allows for the policyholder to temporarily waive their insurance premiums while maintaining coverage if they’re unable to make payments due to a temporary illness, injury or disability.

How do I get a low rate?

Globe Life advertises a simple application examination policy on its life insurance products. Your rate schedule is determined by your age and the type of policy you plan to purchase.

Applicants with this provider suggest that the younger you are, the better your opportunity for securing a low rate. Rates will also vary by state.

Pros and cons of Globe Life


  • Simple application. Get term, whole, children’s and accidental life insurance using a streamlined process.
  • Level terms. Globe’s term life policies offer level premiums that won’t increase until it’s time to renew.
  • Noteworthy financial strength. Whole life insurance policyholders can rest easy knowing that the cash value in their policy is secure.


  • Slow claims process. Customers online complain that it takes a long time for Globe Life to turnaround claims paperwork and payments.
  • Short length of terms. Initial term periods are 1-5 years, depending on age, and renew every 5 years thereafter.
  • Riders not readily available. If you’re interested in adding protection to your typical policy, you’ll need to discuss your needs directly with an agent to know your options.

Life insurance companies like Globe Life

Name Product Issue Ages Coverage Range Medical Exam Required State Availability
18 - 85 years old
$10,000 to $10,000,000+
Depends on provider and policy
All 50 states
Compare affordable quotes from 12+ A-rated life insurance companies side-by-side.
21 - 54 years old
$50,000 to $1,000,000
Not available in Alaska or New York
Affordable 2-, 10- and 20-year term life insurance policies. Instant quotes and no medical exams.
20 to 60 years old
$100,000 to $8,000,000
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 - 64 years old
$100,000 to $3,000,000
All 50 states
Customized term life insurance policies up to $3 million, no medical exam for certain applicants.
25 - 60 years old
$100,000 to $5,000,000
Available in all states except for Montana
Offers term life insurance with accelerated underwriting. No-exam coverage up to $1,000,000 for those who qualify.

Compare up to 4 providers

Globe Life reviews and complaints

Globe Life is accredited by the Better Business Bureau, which awards it an A+ rating. Online reviews of this provider suggest that while the application process on Globe Life’s website is easy to navigate, it can be challenging to understand what’s included in your plan.

Carefully review the fine print of your policy before signing off on any documentation. Some reviewers also that filing a claim with this provider is time intensive, suggesting that the process can be frustrating and complicated.

How does Globe Life protect my data?

Globe Life collects your personal information in order to respond to your requests, help with the underwriting process, market to you, tailor your experience and provide customer service. Your information may be shared with third parties for marketing purposes.

Globe Life takes steps to protect your data against loss, misuse and unauthorized access by encrypting sensitive information.

How do I sign up?

You can only sign up for term life insurance online. If you’d like to get info on a whole policy, you can fill out an online form or call 1-800-742-6787.

Here’s how to get a quote and apply online for a term policy with Globe Life:

  1. Begin by clicking Get Quote on the homepage.
  2. Then enter your name, gender and date of birth.
  3. Select the amount of coverage you want and click Continue.
  4. If you want to add an accidental death benefit, select the coverage amount and then click Choose. If don’t want to opt in for the accidental death benefit, click No Thanks.
  5. Then enter your contact info, including name, address, phone number and email, and click Continue.
  6. You then need to designate your beneficiary and enter his or her information.
  7. Next you’ll be prompted to answer some health questions. Answer the questions, then click Continue.
  8. After answering the health questions, you will be presented with a quote.
  9. If you’d like to proceed, select your payment method — bank draft or credit car — to continue to confirmation.

More about Globe Life

Founded in 1951, Globe Life is one of the largest providers of individual life insurance in the US, serving more than 4.2 million active policyholders.

The company maintains an A+ rating with both the Better Business Bureau (BBB) and A.M. Best and is known for its unique policy features.

In addition to life insurance, Globe Life also offers Medicare Supplement plans designed to cover medical expenses not covered by Medicare, including deductibles, co-payments, outpatient hospital services and physician’s costs. You can purchase a policy direct and are guaranteed acceptance regardless or preexisting conditions if you are turning 65 and apply during the six-month open enrollment period.

Life insurance is an investment, so if Globe Life’s policy features and riders doesn’t suit your needs, take the time to compare providers.

    How do I file an insurance claim with Globe Life?

    To file a claim with Globe Life, you must mail your claim documents to Globe Life, including the following information:

    • Your name, telephone number and address
    • Policy number
    • Death certificate
    • Obituary
    • Coroner’s report (if applicable)
    • Police report (if applicable)

    Mail this information to:

    Attn: Life Claims Department
    Globe Life and Accident Insurance Company
    PO Box 26400
    Oklahoma City, OK 73126-9809

    You can follow up on the status of your claim by calling Globe Life’s customer service department at 888-650-4081 or by logging in to your account through Globe Life’s eService Center.

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    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?

      • AvatarStaff
        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!


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