Globe Life life insurance review

What Globe Life sells

Key facts

• Financial strength: AM Best affirmed an A (Excellent) rating for Globe Life And Accident Insurance Company and its sister companies (including American Income Life and Liberty National) on November 12, 2025, with a stable outlook.
• The $1 offer: Globe Life says $1 pays for the first month of adult term coverage. After that, the rate is based on your age (policy forms SRTCV and related, checked October 7, 2026). The page says the offer may vary.
• How term pricing works: your first price is based on your age when the policy starts. The price goes up each time you enter a new 5 year age group.
• Example price: Globe Life's rate table showed $11.49 a month for $10,000 of term coverage for a woman age 46 to 50 in the most common state group (globelifeinsurance.com/adult, checked October 7, 2026).
• Waiting period: Globe Life's pages say no waiting period, full coverage the first day.
• Whole life: Globe Life says the rate you pay when the policy is issued is locked in for life.
• In New York, policies come from Globe Life Insurance Company of New York.
• Complaint data: you can look up this company's complaint record on the NAIC Consumer Insurance Search site. We did not pull a complaint index number for this page.

Watch out for

• The $1 only covers the first month. After that you pay the full rate.
• Term prices go up every 5 years, so the cost at 70 can be much more than at 50.
• Globe Life has several companies (like American Income Life and Liberty National). Check which company is on your policy.

Who it may fit

• People who want a small amount of coverage without a medical exam.
• Parents or grandparents who want a small whole life policy for a child.
• People who want to try coverage for a low first month cost.

Want to compare? A licensed agent can quote Globe Life next to other companies so you see the full picture. Check any company's complaint record with the NAIC Consumer Information Source.

Common questions