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About Globe Life Insurance
Globe Life offers life insurance products for adults and children with coverage amounts up to $50,000. The simple application process requires no medical exam or waiting period, and rates start as low as $3.49 per month for adults. The company charges only $1 for your first month, and it offers a 30-day money-back guarantee.
Pros & Cons
- No medical exam
- 30-day money-back guarantee
- Whole life policy for kids
- $1 for first month
- Limited death benefits
- Limited riders
Globe Life Insurance is ideal for families and individuals. Customer reviews highlight the easy application process and affordable payments. It offers a 30-day money-back guarantee, but it has limited death benefits.
I called about my payment card. I had to have my bank to turn it off and go get another one. He told me that it was no problem and since my payment was already in process that we ...Read full review
Denise was very pleasant and helpful, I had questions that I’m sure she has been asked 100 times. Denise took her time to explain and was patient throughout the whole process. ......Read full review
What is Globe Life Insurance?
Globe Life sells life insurance with coverage up to $50,000 for adults and $30,000 for children. The Globe Life application process is simple, and the company does not require a medical exam. Globe Life offers online bill payment and a mobile app for easy access to your policy. The company also gives free quotes with minimal personal information.
Globe Life Insurance application process
To apply for Globe Life insurance, use the quote tool and choose any level of coverage (up to the maximum). The quote requires information such as your age, location, beneficiaries and medical history. Globe Life provides a 30-day money-back guarantee in case you change your mind. For more information or help with the application process, call a Globe Life customer service agent.
Globe Life Insurance policies and coverage
Globe Life has life insurance policies for adults and children. Policies for adults are available for those up to 75 at the time of sign-up; policies for children are available for those 25 or younger, though age restrictions for whole insurance policies for children may differ by state. Its children's life insurance can pay up to $30,000 in benefits. Globe Life’s life insurance for adults provides coverage amounts ranging from $5,000 to $50,000, and there’s no waiting period.
Globe Life Insurance rates
Healthy adults might pay as little as $3.49 per month for life insurance with Globe Life, though rates are likely to be higher depending on the coverage amount you select, as well as your age, income, location and health history. Families can pay as little as $2.17 per month for life insurance for children, though you might expect to pay between $5 to $14 per month for this type of coverage.
Globe Life does not require medical exams, but customers should answer honestly about their medical history when applying. During the application process, make sure to disclose any preexisting medical condition; otherwise, the company might not pay the death benefit.
Globe Life Insurance claims process
For Globe Life policyholders, the claims process differs depending on the policy underwriter. Visit the Globe Life website to begin a claim. Life insurance policies that aren’t yet two years old are considered “contestable,” with claims subject to review. Policies more than two years old are “incontestable” and will be paid upon receipt and examination of required documents.
Globe Life Insurance FAQ
Does Globe Life have a waiting period?
No. Globe Life Insurance allows customers to buy any life insurance product and receive coverage immediately.
Does Globe Life offer senior life insurance?
Yes, senior life insurance is available for customers looking to cover final expenses associated with funeral costs, hospice care and other outstanding debts. This coverage option is ideal for older individuals who may not need extensive coverage.
What can I do with the Globe Life app?
Customers can complete the following tasks within the Globe Life app:
- Pay a monthly bill
- Set up payments for one-time expenses
- Access and edit personal information
- Monitor coverage
- Review coverage and plan options
- Interact with Globe Life on social media
Is Globe Life Insurance good?
Globe Life is a great option for families and individuals looking for affordable life insurance policies. The company covers children up to age 25 and adults up to age 75 (at the time of sign-up). With its low costs, 30-day money-back guarantee and no medical exam requirement, Globe Life gets our recommendation.
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Reviewed Aug. 19, 2023
Please, please do not go with this company. My child's father got killed May 27 and Globe Life is giving me the runaround. They are steady asking for his medical records which he didn't die from any health issues. He died from being shot. I have sent them the medical information over and over. Now they telling me We won't get a payout until the investigation is over. It can take years for a murder case to close.
Now I'm struggling trying to pay for funeral expenses while also trying to grieve. I thought having a life insurance policy would be a little less stressful. I paid into this policy 4 years. I think it's time for me to get a lawyer. I really don't understand why pay insurance if they take families through so much. This really heartbreaking to me and my family. I had me and my children insurances with them. I dropped our coverage and went with another company. I would never want my kids to have to deal with a company like this if something happen to me.
We're very sorry for the loss of your child's father and we send our sincere condolences to you and your family. We'd like to investigate his death claim further but need you to please send via PRIVATE response your full name, your loved one's name, the policy #, your phone #, and the best time to call you. We'll have a supervisor contact you as soon as we've investigated why this claim hasn't been paid. We apologize for the inconvenience this has caused you during this difficult time.
Reviewed Aug. 7, 2023
"Globe Life ... receives far more complaints than a typical life insurance company. According to the National Association of Insurance Commissioners, Globe Life receives about 6.5 times as many complaints as a typical life insurer." That's your Google review. SUCKS. Planning to add my negative experience. Globe Life is a PREDATORY rip off that deliberately tries to STEAL your money through poor communication, unclear info, and unfair rates. They should be investigated/closed down. Harmful. Awful!
Nathan, please accept our sincere apology regarding your dissatisfaction with Globe Life. The various issues you described are unacceptable and not indicative of the way we do business. If you still have an unresolved issue, please send us via PRIVATE response your full name, policy #, phone #, and the best time to contact you. We’ll have a supervisor reach out to you for a resolution. We're sorry for the inconvenience this has caused you.
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Reviewed April 17, 2023
Near 30 years with Globe and they do everything to make it difficult when you need to do business with them. After 25 years of drafting my account, my now adult child is the only one to make the payment on MY Account stop. I pay for the policies, I bought the policy, but Globe will not allow me to cancel the draft on MY account and request regular billing. Absurd. It's my money, my account and no way to stop payment debited on my acct., They actually let me have to cancel ALL 4 policies for my grandchildren currently debited and lose my business, since my only option is to block Globe, just to stop ONE debit from happening. Very poor business practices. Also, a relative is now on FOUR months in trying to file a claim on her relative. Not sure I have ever seen such BAD customer service anywhere, hence the BBB ratings and consumer complaints are very telling.
Kris, please accept our sincere apology for this cancelation issue and the inefficiency of our service. The situation you described is unacceptable and not indicative of the way we do business. If this issue is still unresolved, please send us via PRIVATE response your full name, policy #, phone #, and the best time to contact you. We’ll have a supervisor reach out to you for a resolution. We're sorry for the inconvenience this has caused you.
Reviewed March 11, 2023
The death of my mother was already traumatized experience and the last thing I wanted to deal with Globe Life refused to payout the benefit from the Life Insurance. I took a Life Insurance of $50,000 for my mother final arrangements and she passed, we assigned the Life Insurance to the funeral home where the services came up to about $19,0000 the third party would be paying to the funeral home. Globe life after numerous calls they have released only $8,000 to me, the amount to be released should have been at least $30,000.
My premiums of $252 was paid on time through automatically from my bank statement. The policy was in force. They have refused to tell me how did they came up with this amount of $8000.00 released to me. What happened with the remaining amount? Why they only paid $8,000.00? The funeral was $32,000, the third party assignment was about 19,000. From $50,000 - 19000 doesn’t add up to $8000.00. Is Globe life is a legitimate business? I need to report to my state consumer affairs and retain a lawyer to help with this situation.
Bebe, we're very sorry for the loss of your mother and we send our sincere condolences to you and your family. We'd like to investigate her death claim further but need you to please send via PRIVATE response your full name, your mother's name, the policy #, your phone #, and the best time to call you. We'll have a supervisor contact you as soon as we've investigated why this claim hasn't been paid in full. We apologize for the inconvenience this has caused you during this difficult time.
Reviewed Jan. 11, 2023
My uncle passed in July of 2022. He had a policy with Globe Life & Accident Insurance for $25,000. The claim was 2 months from being held in the 2 year period. They researched his medical records for over 6 months before denying the claim. We are left with mountains of bills and heartache after his sudden death. Globe Life has not given a reason why it was denied. Be aware of this life insurance company! They will do anything to deny a claim!
Tina, we're very sorry for the loss of your uncle and we send our sincere condolences to you and your family. We'd like to investigate his death claim further but need you to please send via PRIVATE response your full name, your uncle's name, the policy #, your phone #, and the best time to call you. We'll have a supervisor contact you as soon as we've investigated why this claim wasn't paid. We apologize for the inconvenience this has caused you during this difficult time.
Reviewed Nov. 28, 2022
Trying to cancel a policy that was transferred to me after my Mom died. First call resulted in no action on their part. I sent a request through their online form next, and that was ignored. I made a second call, and the representative told me using the form that was the wrong way to make my request. He told me that I need to send a bunch of info over email, including my SSN. I said I wasn't comfortable doing that, which was met with a weird attitude. I finally was gifted with the proper email address to contact, and they replied. The first time. They let me know which info to send to cancel the policy (didn't include my SSN). I sent that info and haven't heard back in 20 days. Reached out again and waiting.
Nathan, we're very sorry to hear about your mom's passing and the unfortunate situation with this cancelation issue, and the inefficiency of our service. If you could please send us via PRIVATE response your full name, your mom's name, policy #, phone #, and the best time to contact you. We'll have a representative contact you and resolve this issue to your satisfaction. We apologize for the inconvenience this caused you and look forward to hearing back from you soon.
Reviewed Oct. 10, 2022
I reapplied for life insurance, and was denied because of supposedly medication that’s on my prescription records, I’m a healthy 33 year old female mind you. I had insurance with this company up until February of this year… Now all of sudden I can get new life insurance because of my depression medication that I took in 2017 after the death of my child…
I haven’t taken medication since any type of medication since 2018, yet I am being denied life insurance this time around be I wasn’t denied in 2020. It’s wrong and unfair you can’t deny someone life insurance just because they took depression medication after the lost of their child!! Then no one ask why the medication was taken just denied me life insurance but if I am being denied now why wasn’t I denied in 2020? Seeing that my prescription history goes back to 2018 and 2017 was when I took the medication.
I was approved for life insurance through this company in 2020, I canceled my insurance because I realized it was term life and I needed whole life. Now I’m being denied insurance because of my depression medicine that I haven’t taken in 5 years. Like I said I’m a healthy female everything that’s on the prescription record shows medication I was prescribed during my pregnancy and after the loss of my child. Which I haven’t had a child in 5 years and haven’t taken depression medication in 5 years… which I lose my daughter 5 years ago. You can’t just deny someone off their prescription record without full details.
Rakisha, we apologize that our Globe Life coverage didn't meet your expectations. Our top priority is providing various types of affordable financial coverage to our customers and we're sorry this was your experience. If you'd like us to look further into your situation we invite you to send us via PRIVATE response your name, your phone number, and any other relative information regarding your previous policy number. We'll have a supervisor contact you after looking into this further.
Reviewed Sept. 22, 2022
They were courteous, polite, and Quick and every agent was compassionate in the claims department. They answered all my questions. It was a noncontested policy and everything went smoothly. Would recommend this company.
Carol, we hope and pray that you and your family are doing well since the loss of your loved one. We appreciate you and the trust you’ve placed in Globe Life and we're honored that we were able to be there for you and your family when you needed us the most. We look forward to serving you for many years to come and we thank you for being a loyal customer!
Reviewed Sept. 16, 2022
Well, where to start? I spent about 3 months trying to "buy" life insurance through Globe Life. Then this Sales Rep called me, goes by "Jakobi" Tried to upsale my life insurance policy. He ended up adding a second policy under my name. This company claims you don't need a medical exam if you purchase guaranteed whole life insurance, which is what I was trying to purchase. Two months after I started the policy, they claimed I needed a medical exam, beyond the medical questions I already answered 3 Times! I refused, and the "Jakobi" said he would get back to me once he spoke to the underwriters. It's been 4 weeks, no word, and they called me today to pay an additional premium! I cancelled the extra policy today on the spot. I always keep my promises, as I indicated I would do when I told "Jakobi". Thanks for nothing! Stay away from this company! Look for any other Life Insurance company!
Derek, please accept our sincere apology for this policy and cancelation issue. The situation you described is unacceptable and not indicative of the way we do business. If this issue is still unresolved please send us via PRIVATE response your full name, policy #, phone #, and the best time to contact you. We’ll have a supervisor reach out to you for a resolution. We're sorry for the inconvenience this has caused you.
Reviewed Sept. 13, 2022
If you get or have a Globe Life policy and pay on it for decades, then have an emergency and need to access the funds it will take a month to get your money, Yep 21 business days equals a month. With no explanation why it takes so long except "it's just how it is". Not to me. Not in this day and age, you have the request, you told me amount, you have completed documentation with signatures, why a month? What takes this amount of time, the amount doesn't change? This is helping your customers in their time of need is it? You don't even offer an expedited method of payment that we can pay for, just sit and wait and wait and wait some more.
For your antiquated computer systems to spit out a check that can be placed in snail mail instead of your customer's hands, is that so you can be withdrawn from any liability should postal service not be on top their game? They won't even send it first class, it gets sent just regular mail and they can't look up in the account notes if or when it will be sent. You are a huge operation that can afford state of the art systems, yet you won't step up to help your customers even when told how life threatening the situation has become. SHAME ON YOU GLOBE LIFE!!!! May you never have to rely on yourselves. I wouldn't wish your handling of such a time sensitive issue on anyone.
Catherine, we're very sorry to hear about the unfortunate situation with your policy funds and the inefficiency of our service. If you could please send us via PRIVATE response your full name, the policy #, your phone #, and the best time to contact you. We'll have a representative contact you and resolve this issue to your satisfaction. We apologize for the inconvenience this caused you and look forward to hearing back from you soon.
Globe Life Insurance Company Information
- Company Name:
- Globe Life Insurance
- 3700 S. Stonebridge Drive
- Postal Code:
- United States
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