Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Jun 30, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

The Facts of Life

  • Globe Life Insurance Company offers term, whole, children’s, and other forms of life insurance coverages throughout the U.S.
  • While Globe’s term life insurance covers you for anywhere from 10 to 30 years, a whole life policy with Globe will last for your entire lifetime.
  • Globe garners an A (Excellent) rating from A.M. Best and an A+ rating from the Better Business Bureau.

If you are searching for a life insurance company, you may want to learn more about Globe Life Insurance Company by reading some Globe Life Insurance reviews.

Globe Life Insurance Company offers several different types of life insurance options, including term, children’s, and whole life insurance policies. Globe Insurance is available in several different states in the U.S., and it may be a company that works well for you.

As you shop online for life insurance, be sure to compare quotes from multiple companies at once. When you compare quotes, you will be able to determine which companies offer the best rates and the types of coverage you are looking for.

Be sure to use our free quote tool above to find and compare life insurance rates from some of the best companies in your area today.

What does Globe Life Insurance offer?

Globe Life Insurance, also known as Globe Life and Accident Insurance Company, offers several life insurance products, including:

  • Term life insurance
  • Whole life insurance
  • Children’s life insurance
  • Final expense coverage
  • Accidental death coverage
  • Mortgage protection

Each of the products that Globe Life offers is available in several states in the U.S. Globe Life states that its goal is to help families cover their needs when it comes to car payments, rent, childcare, utilities, groceries, and other monthly bills.

Globe Life’s website allows policyholders to log in to access their information, and it also allows potential clients to get quotes for different life insurance products and speak with a company agent using the Globe Life eService online feature.

Policyholders can make their Globe Life Insurance payments on the website, which also allows individuals to speak with a Globe Life customer service representative. You can also reach a Globe Life Insurance customer service representative by calling the company’s customer service line.

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What is the difference between Globe Life Term and Whole life insurance?

As with most other life insurance companies, Globe Life Insurance Company’s term and whole life insurance policies are their most popular life insurance products. But you will want to know a bit more about each type of coverage before you decide which one to purchase.

Globe Life’s term life insurance offers coverage for a specific amount of time, which is typically anywhere from 10- 30 years. Globe’s term life insurance is designed to help reduce any financial burden your family experiences as a result of your passing. If you die during the term of your policy, your beneficiaries will receive the full amount of your death benefit.

A whole life insurance policy with Globe Life offers lifetime protection for your loved ones. Whole life policies with Globe will continue to cover you for your entire life, as long as you keep up with your monthly payments. Globe’s whole life policies also accumulate a cash value which you can use during your lifetime if you need it for unexpected expenses.

What is children’s insurance with Globe?

With a Globe Life children’s life insurance policy, you can purchase a life insurance policy for your children while they are young and healthy, allowing you to save a lot of money on monthly premiums in the future.

The monthly premiums for a children’s life insurance policy with Globe are based on your child’s age and health status. In most cases, you can expect monthly rates to be quite cheap when compared with rates for adults. You can lock in premium rates for your children now, and those rates will never change for the duration of your child’s life.

Is final expense insurance with Globe necessary?

The final expense coverage with Globe Life is a good idea for people who may not have a life insurance policy or for those who have been denied coverage based on their age or health. This type of life insurance policy helps to pay for your funeral expenses so your family members don’t have to worry about it.

If you have another type of life insurance coverage, a final expense policy may not be a necessary purchase for you. But you can speak to a Globe Life agent if you have specific questions.

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How much is life insurance with Globe?

In most cases, a term life insurance policy with Globe will be cheaper than a full policy. Depending on what you can afford to pay for a life insurance policy, you may be interested in a term policy. This is especially true if you are in your late teens or early 20s.

The table below shows the average rates for a 20-year term life insurance policy based on age, gender, and the policy amount.

Average Monthly 20-Year Term Life Insurance Rates by Age, Gender, and Coverage Value
Age and Gender$250,000 Policy Average Monthly Life Insurance Rates$500,000 Policy Average Monthly Life Insurance Rates$750,000 Policy Average Monthly Life Insurance Rates$1 Million Policy Average Monthly Life Insurance Rates$2 Million Policy Average Monthly Life Insurance Rates
20-Year-Old Male$18$29$40$47$86
20-Year-Old Female$15$22$30$35$64
25-Year-Old Male$17$28$39$46$86
25-Year-Old Female$15$22$30$35$65
30-Year-Old Male$18$29$40$47$89
30-Year-Old Female$15$23$31$37$69
35-Year-Old Male$19$31$44$52$99
35-Year-Old Female$17$26$36$43$79
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In contrast to the table above, the next table shows average whole life insurance rates based on age, gender, and the policy amount.

Whole Life Insurance Rates by Age, Gender, and Policy Limit
Age & Gender   $250K Policy Limit$500K Policy Limit$750K Policy Limit$1M Policy Limit$2M Policy Limit
25-Year-Old Female$156    $307    $458    $600      $1,196    
25-Year-Old Male  $178    $351    $524    $688      $1,179    
30-Year-Old Female$189    $374    $558    $733      $1,462    
30-Year-Old Male  $213    $421    $629    $827      $1,650    
35-Year-Old Female$219    $433    $647    $852      $1,699    
35-Year-Old Male  $261    $517    $773    $1,020    $2,035    
40-Year-Old Female$264    $523    $782    $1,032    $2,059    
40-Year-Old Male  $328    $652    $975    $1,289    $2,574    
45-Year-Old Female$329    $653    $978    $1,293    $2,581    
45-Year-Old Male  $416    $827    $1,239  $1,641    $3,277    
50-Year-Old Female$421    $837    $1,254  $1,661    $3,317    
50-Year-Old Male  $531    $1,057  $1,584  $2,101    $4,198    
55-Year-Old Female$544    $1,084  $1,623  $2,153    $4,302    
55-Year-Old Male  $678    $1,351  $2,024  $2,688    $5,372    
60-Year-Old Female$705    $1,406  $2,107  $2,799    $5,593    
60-Year-Old Male  $865    $1,725  $2,586  $3,437    $6,869    
65-Year-Old Female$935    $1,865  $2,796  $3,717    $7,429    
65-Year-Old Male  $1,123  $2,241  $3,360  $4,468    $8,932    
70-Year-Old Female$1,274  $2,544  $3,814  $5,074    $10,143   
70-Year-Old Male  $1,518  $3,031  $4,544  $6,047    $12,090   
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Learning a bit more about your needs will help you determine whether you’re interested in a term or whole life policy. You will never really know how much you’ll pay for coverage until you shop around online to compare rates from several different companies.

Does Globe Life have good ratings and reviews?

Globe Life Insurance reviews are fairly positive. Globe has an A (Excellent) financial strength rating with A.M. Best and garners an A+ rating with the Better Business Bureau. A.M. Best also gave Globe Life Insurance Company a stable outlook when it comes to future transactions.

Customer reviews for Globe Life on the BBB website are somewhat negative, but Globe has been able to close nearly 130 complaints in the past three years.

As you search for life insurance, you may find that Globe is a good fit for you and your family, but it’s still a good idea to shop around and compare prices. In fact, you can use our free quote tool below to get started in your search for life insurance today.