HomepageInsuranceLifeGlobe Life Insurance Review
Last updated on Feb 08, 2021

Globe Life Insurance Review

Life insurance which does not require a medical exam for limited amounts of coverage ​
Fact-checked with

Globe Life

  • No medical exams required
  • Coverage caps out at $100,000
  • Child life insurance available
  • Unchanging whole life insurance rates
  • Easy and simple insurance process
Similar Products

How We Reviewed Globe Life Insurance

related highlight icon

6 companies compared

related highlight icon

2 features evaluated

related highlight icon

5 ratings analyzed

Advertiser Disclosure:
We recommend products and services based on unbiased research from our editorial team. We make money via affiliate links, which means if you click a link on our site, we may earn a commission. Any commissions we receive do not affect our recommendations; if you want to know more about how that works, read more.

Globe Life is a lesser-known life insurer offering basic policies for term life insurance, whole life insurance, and children’s life insurance. Globe Life doesn’t require a medical exam for any of its products, unlike other life insurance providers. This may benefit some applicants, but the coverage is also more limited, capping out at $100,000 for term life insurance and $50,000 for whole life insurance. Still, Globe Life can be a convenient option for those with small coverage needs who want hassle-free life insurance approval.

According to Globe Life, the company is a “top volume issuer of ordinary life insurance policies” in the U.S., with 4.2 million policyholders as of November 2018 and $82 billion of insurance in force. The company holds an A+ rating from the Better Business Bureau (BBB) as of May 2020. In April 2020, Globe Life reported a year-over-year increase of 9% of total health net sales.

Globe Life Insurance Overview

Reviews.com Score
AM Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

*J.D. Power’s 2020 Life Insurance Satisfaction Study. Based on a 1,000-point scale

Globe Life best for: Hassle-free approval


There are a multitude of benefits to the life insurance coverage that Globe Life offers. For example, customers are not required to get a medical exam to get their policy rates. This is great news because it ensures that your rates will not go up because of an underlying condition, which makes getting life insurance easier than it would be if you were required to have a medical exam. 

Global Life also offers a wide variety of life insurance products, including whole life insurance for children. This can ensure that your children are fully covered if the worst-case scenario happens. Plus, all whole life insurance policies with Globe Life come at a fixed-cost. This ensures that your rates will not go up as long as you’re with Globe Life.


While Globe Life policies have many benefits, there are a few drawbacks that should be considered to ensure this is the right insurance company for you. While Globe Life’s policies do offer fixed rates, many of them have lower than average coverage limits. If having high coverage is important to you and your family, this may not be the insurance company for you. However, if you are looking for a simple policy to have for peace of mind, their simple plans could be your perfect fit.

Globe Life Insurance vs. The Competition

AM Best Financial Strength RatingJ.D. Power 2020 U.S. Life Insurance Study ScoreNAIC Customer Complaints
Globe Life A+810/1,000More complaintsthan average
Northwestern MutualA++790/1,000Fewer complaints than average
State FarmA++838/1,000Fewer complaints than average
NationwideA+803/1,000Fewer complaints than average
New York LifeA++784/1,000Fewer complaints than average
Mutual of OmahaA+789/1,000Fewer complaints than average
PrincipalA+772/1,000Fewer complaints than average

The Bottom Line

Globe Life is perfect if you’re looking for short-term or supplemental coverage. It provides basic life insurance that is a good starting point for those just getting started or living on a limited income. Coverage is basic, but it may offer enough for your first policy, especially if you’re looking for coverage without the need for a medical exam. Still, it’s not likely to fit the bill if you are searching for a more well-rounded policy or if you prioritize good customer service.

Globe Life Insurance FAQ

About the Authors

Nicki Escudero

Nicki Escudero Contributing Writer

Nicki Escudero is a freelance writer and journalist with more than 18 years of experience in the publishing industry, writing for international publications such as USA Today, Entrepreneur, Marketing Land, American Art Collector magazine and the Arizona Republic. She is passionate about helping readers discover helpful tips that lead to happier, healthier lives. A former Australian expat, Nicki has a passion for world travel and loves to learn about new cultures.