Globe Life Insurance
Globe Life Insurance
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Globe Life Insurance

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Last updated: April 4, 2018

46 Globe Life Insurance Consumer Reviews and Complaints

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Verified Reviewer
Original review: April 4, 2018

I contacted Globe Life in January 2018 to cancel my policy with them, I was instructed by the first representative that I spoke with that I would need to send an email to a specific department to cancel it and for them to send me a check for the cash balance that had accrued on the account. So I sent the email and they stated up to 10 business days for my policy to be cancelled and for a check to be received in the mail. So I waited until the first week of February and called back, the next representative stated that there is no department that I could email it into and that the last representative did not know what they were talking about.

So this representative instructed me to fax it in and put it to her attention and I could receive it in 10 business days. I went to my local Staples and faxed it in that day!! Twelve business days later I called back because I had not received the check yet and it was now showing on the website that the policy was surrendered. The next representative instructed me that it could take up to 30 days for me to receive the check in the mail and that if I don’t receive it by then I should call back.

Another 20 days go by, I call back and the rep states that it was sent out a month ago!!! I informed her that I never received it (otherwise I wouldn’t be calling back), she states that she will put in another request for another check to be sent out and have a stop payment put on the previous check that was sent out. She stated that I should call back in a week or so to let them know that I received it in the mail.

A week and a half goes by, I call to see when they sent it out. The current rep tells me that they didn’t send it out because the previous check was cashed!!! I AM FURIOUS!! How was a check cashed and I never received it?? And now they are saying that they have to do research to see who cashed the check and where it was cashed at. And I’m still sitting here 4 months later with nothing to show for this mess. Don’t do business with them, none of their reps know what they are doing and you will get a different answer every time you call. I’m so over them, it’s ridiculous!

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6 people found this review helpful
Verified Reviewer
Original review: April 3, 2018

In November 2017, I decided to cancel my 3 grandchildren policy with Globe and go with Gerber. Globe accidentally cancel my son's policy instead of my grandson. I sent a fax on 1/5/2018 with my three grandchildren policy numbers on them. This is what Globe told me to do. However they cancelled the wrong policy. On 1/10/2018 I notified Globe of the error and they ask if I had sent the policy number to be cancel in writing. I informed them that I was told to fax it and I did. The agent said she would pull the fax and the error would be corrected. On 1/21/18 I received a check in the mail for the surrender value of my son's policy. I called and spoke with yet another agent and was told that it was still being investigated that someone would be calling me back. I heard nothing.

On 2/9/18 I called back and went thru the spiel again. This time I was told to send the check back with a letter indicating what happen and that the policy would be reinstated and the correct policy will be cancelled. Called 3/15/18 to get an update. None available. Called back again today 4/3/18. Was told that I was given wrong information and that the policy couldn't be reinstate. I asked the agent where was the check. She kept saying that they couldn't cash the check because it was made out to me. I informed her that I was told to send the check back but I don't think she understood. This place is very unprofessional and I got different stories every time I called about my situation. I wouldn't recommend them at all. To make it even worse I waited on hold for 20 minutes to get help.

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4 people found this review helpful
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Verified Reviewer
Original review: April 3, 2018

I have been calling them for the last 8 months begging and pleading for them to remove my deceased relative's name and address from their system. Each time I was told it was done & I would never see another thing from them again, but apparently that was a bold face lie, as we still continue to get this junk mail every month. I was lied to by each representative telling me they removed his name and address from their system, when in fact they did nothing. It was when I stated I would submit a formal complaint to the BBB, that I was put in touch with a "supervisor" who said that she did not see anything removed from their system and that she just removed them, but that I will continue to receive their sales junk mail for another 3 months. My relative never asked for this information AND did not start receiving this until AFTER they died, so unsure where they fished their information from.

2 people found this review helpful
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Verified Reviewer
Original review: March 22, 2018

I have 5 different insurance policies with Globe Life on loved ones dating back to 2010. Never had a problem until I purchased a policy on my sister in 2015 for $5000. This is all that they would cover her for because of preexisting conditions. The policy had a clause that it would only pay back premiums if the insured died in the first 2 years of the policy. I have been having problems paying this policy online since 2016. I pay all my policies once a year online. For some reason, just this particular policy has been blocked and highlighted in red on 'special pay.' No one at the company has been able to explain why. Finally, in January 2018, I was told it was because the policy had been overpaid, they had received 2 payments from me in 2017. The problem then became getting them to post this overpayment to my account so that my February 2018 payment could be paid.

I have been being told for the past 2 months that they have an overpayment from me of $172.12 that would be credited to my account. I was told 4 weeks ago that they were behind on crediting payments and to give it a few more days. Well, today is 3/21/2018 and my policy premium was due on 2/22/2018. Not only have they not credited the extra payment, I was informed today that I didn't make an extra payment, even though their records show that I did. So when I ask the rep if I can make a payment over the phone, she says they cannot accept a payment because the credit department has to take the hold off of the account. It has been 2 months now and the credit department hasn't lifted the hold yet. I have never heard of being penalized for making a payment on an account too early. Steer clear.

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17 people found this review helpful
Verified Reviewer
Original review: March 20, 2018

On February 1st 2018 I sent Globe Life A Request for money I paid for Life Insurance you are refusing to pay. I'm not getting any medical records. And like I keep telling your no good company a dead man can't talk. I don't know who he had as his medical power of Attorney. I DO know he named me as the beneficiary of this policy as well as I was the one signing and paying monthly premiums to your no good company. It's now been 3 years 3 months. Send me the money that was spent on this policy. You should be made to pay interest for keeping it so long. I'm not going to send you medical records because I'm not entitled to them. WHAT PART OF THAT DON'T YOU DUMBASSES UNDERSTAND. STOP PLAYING WITH PEOPLE'S MONEY.

The Funeral Home Service want their money and has held liability on me because I was on GLOBE LIFE POLICY AS THE BENEFICIARY. PLEASE SHARE:

If you have Globe Life as a life insurance I advise you to drop this company. They target middle/poor class. This is my experience. One Company Helping The Other Companies Scam Poor People. Government. I have contacted every NEWS MEDIA. These people aren't here to help us.

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21 people found this review helpful
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Verified Reviewer
Original review: March 19, 2018

I been playing PCH sweepstakes online then Global Life Insurance pop up. Get free quotes. Just sign up. Won’t charge your credit card. Then I notice that I been billed from February to July without my knowledge or consent. So I called to tell them. They told me, "Sorry can’t get your money back." So I told them, "Why not. Never gave you guys permission to take money out of my account." I told them never wanted their insurance and to take me off. Then she said it takes about six months. What kind of ** is that scammers.

12 people found this review helpful
Verified Reviewer
Original review: Feb. 13, 2018

I did a web search for life insurance. Received a call from Globe Life, rep offered $25000 of Whole Life Insurance for $24.30. Accepted and gave banking info for auto draft. Received paperwork in January 2018, notice upon review that a bad date of birth was listed. Called Globe on 1/11/18 to correct the date of birth, spoke to Victor who said the rate would increase but I could get $20000 for around $24. Victor said he would have to submit the correction for the DOB, and the corrected policy would be mailed to me. I called again on 1/20/18, spoke to Gene who said he would forward to a supervisor. I received a corrected policy on 2/12/18 stating that my rate will be $61.54. I call again, spoke to supervisor Ruben on 2/13/18 who said Globe will not honor their quotes.

51 people found this review helpful
Verified Reviewer Verified Buyer
Original review: Feb. 6, 2018

Globe Life Insurance would not even give me a five thousand dollar life insurance policy. I'm 58, with wife and a teenage son. They will only accept you if you are in perfect health, God forbid if you have a congenital issue. I suppose they know more than my doctors. Stay clear, I'm going over to Gerber!

39 people found this review helpful
Verified Reviewer
Original review: Feb. 2, 2018

Was checking my credit card statement for the month and noticed my account had two charges for the same amount on the same day from this company. I've never even heard of them. I don't have any policies or business with them. Where did they get my account info? My credit union is in the process of reporting them for fraud. They are scamming thieves who steal account information. Now, I had to have my card canceled and wait for a new one to be issued. You POS's. BTW, ratings need to be updated to allow NO STARS!

46 people found this review helpful
Verified Reviewer
Original review: Feb. 1, 2018

My Uncle passed away October 26th of 2017. After receiving Death Certificates I faxed all paperwork and certificates to Globe Life in middle of November 2017. Second week of January I hadn't received anything in the mail. I call Globe and find out that the Check was sent to the wrong address as of December 8th 2017 and my name was misspelled. I was told that the check was going to have a stop payment applied to it, and "if by any chance I did received it", to rip it up because, it would not be valid and another one would be issued out. I actually did receive the check later that week and ripped it up because I was told to!! Called about 4 days ago, and spoke to Joy and was told that she would call me back and assured me she would find out what was happening with the check.

It is now February 1st and just called again and spoke to Kimberly, and she talks with her supervisor Julie, who says a stop payment was never applied to the first check and a stop payment will "now be applied" to the check. It will now take 4 days for a stop payment to go through and then another check will be expedited. When I spoke with Joy she said that her supervisor Julie would request that the check be overnighted to me since, I have been waiting sooo long!!! Joy never did call me back even though she assured me she would be in the next day and call me back.

When I brought that to Kimberly's attention, she told me that maybe Joy hadn't heard from payment processing and then put me on hold. Kimberly then came back on the phone and told me that joy had been out sick for a week due to the flu. Even though when I first called, and told Kimberly the situation, she said to me that Joy was there two desks away from her and that they had the same supervisor. How could Joy be out for a whole week if she "is there today"!!! Lies, lies, lies... I am now being told that they will expedite the check. It's so sad, if Globe is a really good company, the people working for them, make them look like crap!! I will not give them my business ever!!

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46 people found this review helpful
Verified Reviewer Verified Buyer
Original review: Jan. 31, 2018

I hear so many bad reviews on Globe Life not paying out claims. I must give credit when credit is due to a company. Life insurance was purchased on a love one in March 2017 and they passed unexpected July 2017. I assumed that Globe Life would give me a extremely hard time and not pay out the claim because the policy was only held for 4 months. My love one passed of a brain tumor that was never diagnosed, I sent all the medical records that I had obtained and sent them to Globe along with all their required forms. The policy was contestable and all the questions was answered honestly when the policy was issued. There was a delay in the death certificate, due to pending autopsy. Submitted all paperwork on 12/5/17 and Globe approved and paid out the claim January 16 without any issue. As long as you're honest, Globe Life is honest and will pay out the claim.

57 people found this review helpful
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Verified Reviewer
Original review: Jan. 10, 2018

I submitted a policy for surrender and payment on October 6, 2017. I was told it would take approximately four weeks for payment. It is now January 9, 2018 and I still haven't received a check. I've heard every excuse imaginable. "We tried to reach you" (They didn't). "A check is being processed". (It wasn't) "We can overnight it" (Didn't happen). I have filed a complaint with the Texas Department of Insurance but at this point, I am considering a lawsuit for fraud. EVERY SINGLE TIME a Globe employee said they would do something, it didn’t happen. At some point, you realize no company is that incompetent. It is intentional and it is criminal.

83 people found this review helpful
Verified Reviewer
Original review: Jan. 6, 2018

I recommend NO ONE use this company. They steal your money! I am 24 years old and my grandmother purchased the $20,000 life insurance plan the day I was born. When I turned 18, I took over and continued paying. I called to purchase an additional $50,000 of accidental death coverage because I now have children and god forbid anything happen to me, I want my children to be taken care of. After paying THOUSANDS of dollars to this company I am informed that if I were to die tomorrow, my family would only get $318.96 because since I added the additional coverage, the premium anniversary date starts over and according to them, the cash value payout to the beneficiary is only $50,000 AFTER 20 years. So I’m supposed to prevent anything from happening to me for 20 years in order to make sure my family gets the money that is rightfully THEIRS!

I can’t control life. People die accidentally every day. I can’t stop that. This was supposed to protect my family if anything were to happen. That’s the whole point of life insurance. Don’t throw your money away. This is a scam company. Read the fine print before signing up with them. There’s a lot of things they do not tell you. How am I supposed to sleep at night knowing that if I were to pass away my child would be well taken care of with $300!!? That’s not even enough to cover the funeral! SCAMMM!!!

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89 people found this review helpful
Verified Reviewer
Original review: Dec. 27, 2017

Globe Life was very professional and helpful when dealing with my claim. They helped me through the process at a hard time in my life. They explained what paperwork was necessary. I reported the death and then when the death certificate was available I turned that in with the other documents as requested. I received a check for the full amount within 10 days. I have been paying on this policy since 2013.

25 people found this review helpful
Verified Reviewer
Original review: Nov. 3, 2017

My mother had a policy on me and when she passed I took over ownership by sending a copy of her death certificate, as well as changed the beneficiary to my wife. In 3 years they didn't change ownership, my new contact information, or email, nor did I receive a new copy of my policy. This last February I went to pay my annual payment, like they have received it in the past and they said my account was suspended. I told the wife, "Enough is enough" and called next day to cash out. They said they needed my mother's death certificate to verify she was gone and ownership was mine. I told them we did that 3 years prior, but I would resend it.

I called to verify they received it, which they had, so I cashed out. Their service rep said I was owed $1300.00 and should get it in 10-15 days. She also told me to stay after them because they didn't like to pay. I never received my check, so I called and was told if I sent them a check for $89 they would send me a check for $99. It’s November now and still no check. In 3 years they couldn't do simple paperwork, but they didn't have problems taking my annual payments.

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93 people found this review helpful
Verified Reviewer
Original review: Sept. 6, 2017

My husband had a policy with Globe Life. 3 weeks ago he was diagnosed with cancer and passed away within 7 days. When I contacted Globe Life they told me that his death needed to have been an accident.

168 people found this review helpful
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Verified Reviewer
Original review: Aug. 26, 2017

MY child's mother & my ex fiancee passed away unexpectedly of heart attack, never any history of heart problems, but in short eventually Globe Life denied the 2 claims I was beneficiary of for care of our child etc. The 2 policies were just over a year old so anything less than 2 they will challenge or "look into" automatically. So 1 policy was for 50k & the other 100, which is important to note, & the reason they said for the denials was they said she had not answered correctly on those 2 apps (basically said she had lied) because in short she had been in the hospital about 5 months prior to filling these out and was there like 2 months. And so they said she had answered no on all app questions so the questions about if in last 3 yrs have you been hospitalized or treat for any chronic diseases or illnesses.

So to check no would be wrong they said, & so I guess to prove to me as beneficiary that she had checked no on all the boxes for both apps, they sent me the supposed copies of her 2 apps... & thank the good Lord they did because without those copies it would be a my word vs. Theirs and as beneficiary I'd have something to gain they could say because apparently they just assumed she filled them out on her own like probably most do but not this person because she was never good with those things & always asked for my help mostly like with the apps, basically she spoke & I wrote. She then signed. And so I know without any question that she did mark yes because it was just 5 months earlier she was there and we both assumed they check all these things prior to approval as they pretty much say they do on the apps.

They said if she had checked yes they wouldn't have approved her too in their denial letter which also contradict their statements, but anyways as I said My kid & I would be screwed if not for them sending copies to prove because she checked yes & even gave a brief rundown in her own simple words as to the nature of her hospital visit as she believed it to be. She had no "chronic" illnesses treated then anyways and there's no medical proof she ever had any serious problems regardless. But the copies you ask, well they are altered, doctored, made up or however you chose to say it and it's blatantly obvious because whoever did it did not pay attention to details, again probably assuming I was not with her during apps & would see their so called proof & say, "Wow. They're right." Oh well but I automatically knew they were wrong & you need not look too hard to see they don't match up side to side.

Things are in different locations in side by side comparison and you can see lines that shouldn't be there or that are etc. But here's the final tally. ... both apps have all the amount boxes at top right as to the amount you are requesting: 5000, 10, 20, etc. up to 200 and both apps are clearly checked for the 100 amount!!! Remember the actual policy amounts I shared earlier. Yes 1 was for 50 & the other a 100 so no matter what excuse they can try to put to why everything else looks Weird on app, there's no possible defense in how the policy amounts are wrong! Funny thing too is the first app was with the 1st month is a dollar promo that they send all time and they ONLY GOT 50K and when paying a premium at some time I had inquired as to how one can apply for a higher policy amount and so they send that app that goes up to 100. That's what's really going on behind the scenes over there.

Gave them a letter with option to rectify things with me rather than me getting a lawyer because they'll be paying way more once he's involve, that and there's no argument to be had by them with the proof/ being supplied by them clear as a sunny day. But as dumb as they were to think they could get away with it strangely enough they're even dumber to have ignored me totally and my generous offer to negotiate things personally to save them money and embarrassment in a quiet way despite them trying to steal from my family. Therefore the hammer shall fall in every way I can think of to share this sad fact of their fine company!

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127 people found this review helpful
Verified Reviewer
Original review: Aug. 13, 2017

My parents paid on policy for almost all my life and I'm 41 years old. After mom passed dad wasn't doing as well emotionally as he portrayed so things didn't get handled like this company getting ownership changed to his name but kept taking payments. Mail got misplaced. When I discovered what really was going on I contacted Globe Life and after speaking with several people was reassured the situation was rectified when it wasn't.

Diabetes had caused dementia. So now they're telling when there's nothing they can do for me when in fact they wasn't even supposed to talk to me because my name wasn't on that policy and I think that's one of their restrictions. I don't think it's right they can just not pay the money my mom and dad work their asses off to pay them all their life when the money was in the bank to pay them and they never did get the ownership switched to daddy's name and reevaluated the price of the monthly bill but they still kept taking the money. I quit my job 2 months before my dad died to take care of him and I just got left out to dry. Last family member left. Sincerely please help.

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112 people found this review helpful
Verified Reviewer Verified Buyer
Original review: Aug. 3, 2017

I made a request for a Life Insurance Quote with this company. I now have purchased Life Insurance with another company. I spoke with several Customer Service Reps at Globe, letting them know I am no longer interested in purchasing Life Insurance. This company has continued to send me applications (more than one) on a daily basis, emails also. This company starts their Term Life Insurance Policies at a low cost to consumers. The cost of the policy will go up every 5 years. By the time you are 75-80 you will be paying $180-$200.00. Most senior cannot afford to pay this amount, so they cancel their policy after paying globe, a low starting price of $35-$40 for 5 maybe 10 years. BEWARE. READ THE SMALL PRINT AND ASK QUESTIONS. Before you sign up with this awful company.

128 people found this review helpful
Verified Reviewer
Original review: July 25, 2017

I bought my wife's life insurance policy in 2013. Sadly she got very ill in 2014 and passed away 7/1/17. The company paid the claim in 15 business days. I read the complaints and can't help but think that maybe people think they can get insurance after they discover they or their family member have a terminal illness. It just can't work that way.

77 people found this review helpful
Original review: July 7, 2017

I wanted to cancel! I tried to call for 3 days with no answer. I finally smashed button for a quote and got an answer immediately. She helped me get to the person I needed. I paid it for a year so I should get half the cash back BUT YOU DO NOT GET THAT BACK!!! Please be aware of this. If you cancel you should get the months of payment you don't use back. They are wrong for this. There is no other way to put it. So I will never use them and I should have read their reviews so I take responsibility for my mistake???

99 people found this review helpful
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Verified Reviewer
Original review: May 23, 2017

Globe Life is a scam. I took out a policy on both my parents. I answered six questions that were answered no. I get a denial letter in the mail with the same questions. One of the questions was checked yes. Which was incorrect. They told me I have to send a letter to their underwriting department, which will take 30 days for them to reply back to me. I already made the first month payment with my card. I told them I want my money back. I'm still waiting for my money back.

108 people found this review helpful
Verified Reviewer
Original review: April 26, 2017

We paid $60/year for $20,000 of guaranteed term life insurance on my son since he was a baby. The premium was supposedly guaranteed for life. Suddenly this year at age 26 the policy "automatically " converts to a whole life policy for $300/year. What a crock! Do not fall for this company's false advertising about guaranteed premiums for life.

166 people found this review helpful
Verified Reviewer Verified Buyer
Original review: April 15, 2017

My Mother's burial has not been paid. My passed away November 17th, 2016 and this insurance company has not keep its word to pay the deceased policy. I have turn in all the necessary documents they said that they required in order for them to take care of it. At this point I have not heard anything from you. This bill has went against my credit and I would like to get this resolve as soon as possible.

191 people found this review helpful
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Verified Reviewer Verified Buyer
Original review: April 3, 2017

When we found out my mother had Alzheimer's, we were unaware she hadn't paid her life insurance for 3 months, but paid since 2011. They declined payment. Now we are emptying all our credit cards scrambling to pay to bury my mother. We should of received notification the payments lapsed!!! Horrible company. Please spread the word. Don't they have a beneficiary or next of kin or any other number to let SOMEONE know?? Thieves, they hope this happens and steal millions from the grieving. I didn't want to give them a one but you can't submit with a -0.

168 people found this review helpful
Original review: March 30, 2017

I applied for Life Insurance for only a $5000.00 policy, which isn't much. On the app with the health questionnaire it says, "A 'yes' response does not automatically make you ineligible for coverage." I received a letter from Globe Life Insurance with a denial and the reason was, "based entirely on the health information you provided to us." Out of 6 questions I had answered yes to COPD and that was my only yes answer. So they do indeed base their decision entirely on saying yes to any of the questions. Misleading and untrue.

155 people found this review helpful
Original review: March 27, 2017

My father in law passed away Nov 29, 2017. He had the insurance policy and I was his beneficiary because we had a close relationship for about 11 years before he was murdered. I've sent out all required information for the company in Dec - Jan to be able to investigate the policy but I haven't heard anything back from anything from anyone at Globe Life except that they're still gathering his medical records which he didn't have much of at the time because he rarely went to the doctors. I need to know how much longer will I have to wait to find out if they're going to pay out the policy.

158 people found this review helpful
Verified Buyer
Original review: March 26, 2017

I've been plagued with mail from them. I have no children. I have written to them many times to remove me from their mail list. They keep filling my mailbox; so now I am going to poop in their return envelopes and mail them back. Maybe they will get the hint!!!

136 people found this review helpful
Verified Buyer
Original review: March 17, 2017

My mother had Alzheimer's. The health questionnaire did not ask if Alzheimer's was a determining factor. Mom passed within 2 year. The disease accelerated in the last year. Globe Life denied the $10,000 claim. The amount wasn't enough. They raise rate every "anniversary date". I hope your company burns in hell.

126 people found this review helpful
Verified Buyer
Original review: March 13, 2017

My mother has been paying on a policy for 12 years only to have it 'lapse'. She was informed by the 'nice' gentleman representing the company that she was buying a policy that would help with her burial expenses when she eventually died. She makes a payment once a year and after not receiving her yearly bill, she called the company only to be told that her policy had lapsed as she had turned 80! She was confused and angry because that is not the policy she bought as explained by the 'nice' gentleman. Granted she probably didn't read the legalese in the small printed policy, but the 'nice' man had explained it all to her. So, absolutely no return on the money paid over 12 years. Not only that, but she didn't even get a letter with the last bill explaining that this was the last payment according to her policy. Intentional I'm sure. This company is scamming the elderly and not in the least bit apologetic. What a world we live in.

161 people found this review helpful

Globe Life Insurance expert review by Neal Frankle

Globe Life Insurance is among the most prominent and reputable life insurance writers in the United States. Founded in Oklahoma in 1951, the company provides life and accident insurance to individuals. They offer a variety of plans that tailor to individual needs, and make the buying experience easy with no sales agents involved. They have more than $69 billion of insurance in force and are committed to providing secure life insurance protection to their policyholders.

  • Convenient service: Globe Life Insurance offers online quotes, service through the mail and the option to contact them via phone.

  • Online access: Customers can access their Globe Life Insurance account information online for easy account management.

  • Accidental death protection: Globe Life Insurance offers accidental death protection so that the family of the deceased is covered in the event of an accidental death.

  • Adult and child life insurance: They offer life insurance coverage both for children and adults to ensure that families receive the assistance they need.

  • Medicare supplemental coverage: Globe Life Insurance provides supplemental coverage for Medicare holders to cover costs that Medicare doesn't.

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Neal Frankle

Life Insurance Contributing Editor

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Neal Frankle is a Certified Financial Planner in Los Angeles. He is the publisher of, an information resource for consumers. He has been a professional financial advisor since 1991 and is the editor of

Globe Life Insurance Company Information

Company Name:
Globe Life Insurance
Year Founded:
P. O. Box 268850
Oklahoma City
Postal Code:
United States
(844) 875-7684

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