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Last updated on Oct 28, 2020

Globe Life Insurance Review

Life insurance which does not require a medical exam for limited amounts of coverage ​
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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
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How We Reviewed Globe Life Insurance

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6 companies compared

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2 features evaluated

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5 ratings analyzed

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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 be a benefit for 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. Globe Life can be a convenient option for those with small coverage needs who want hassle-free life insurance approval.

Globe Life Insurance Overview: Financial Strength, Availability, and History

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 wasn’t included in the J.D. Power 2019 U.S. Life Insurance Study and doesn’t register in YouGov’s top 50 most popular insurance brands in America. According to the National Complaint Index Report, Globe Life has a Company Complaint Index of 2.75, which means the number of complaints it receives is higher than what is expected in the market.

  • In business since: 1951
  • S&P Global financial strength rating: N/A
  • Moody’s financial strength rating: N/A
  • AM Best financial strength rating: A+
  • States served: 50, plus Washington, D.C.

Globe Life best for: Hassle free approval


  • No medical exam required
  • Variety of life insurance products, including whole life insurance for children
  • Whole life insurance at a fixed cost


  • Low coverage limits
  • Higher-than-average customer complaints
  • No universal life insurance option

The Competition

AM Best Financial Strength RatingJ.D. Power 2019 U.S. Life Insurance Study ScoreNAIC Customer Complaints
Globe Life A+N/AMore complaintsthan average
Northwestern MutualA++5/5Fewer complaints than average
State FarmA++5/5Fewer complaints than average
NationwideA+4/5Fewer complaints than average
New York LifeA++4/5Fewer complaints than average
Mutual of OmahaA+4/5Fewer complaints than average
PrincipalA+4/5Fewer 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.