Globe Life is No. 15 in our Best Life Insurance Companies ranking of 2025, earning 3.91 out of 5 stars. A majority of surveyed customers plan to renew with the insurer, and AM Best gives it a strong financial grade.
Kara McGinley has over 6 years of experience writing, editing, and reporting on insurance and the insurance industry. She's been a licensed property and casualty expert in New York since 2021. Kara has been featured in several national publications, including USA TODAY, MSN, LifeHacker, Kiplinger, PropertyCasualty360, Policygenius, Rental Housing Journal, and WRAL.
Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant.
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Globe Life is No. 15 in our Best Life Insurance Companies ranking for 2025, receiving 3.91 out of 5 possible stars. The insurer also enjoys generally strong third-party ratings, including an A (Excellent) rating from AM Best for financial stability.
In our customer satisfaction survey, other insurers did better than Globe Life. However, about 91% of surveyed customers said they’d renew their life insurance policy with the company.
Below is our review of the company. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here, including an explanation of our survey scores.
AM Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.
Almost three-quarters of Globe Life customers said they were satisfied with the company’s service. Globe Life scored slightly below the 644 average in the J.D. Power customer satisfaction study, earning 631 out of 1,000 points. State Farm scored the highest in that study with 699 points.
Ease of service is important for most policyholders — who doesn’t want their insurance policy to be hassle-free? Just more than 70% of customers scored Globe Life highly in this category.
Around 76% of surveyed customers rate Globe Life highly for policy offerings.
The majority of Globe Life customers find the insurer trustworthy—86% gave Globe Life high marks in this category.
A good experience with an insurer creates loyal customers. And loyal customers stick with their insurer. Around 91% of customers we surveyed said they plan to renew their life insurance policy with Globe Life. Many insurers in our analysis scored high in this category, with four scoring 100%.
Note: Globe Life is available nationwide, however depending on the state you live in, the life insurance may be sold through a Globe Life subsidiary. For example, Globe Life Insurance Company of New York only sells life insurance in New York state.
Globe Life’s roots began in 1900 in Huntsville, Alabama, as Liberty National Life Insurance Company. In 1951, Globe Life Accident and Insurance Company was founded to provide affordable life insurance to families.
After a series of mergers and acquisitions over the next half-century, Globe Life became a subsidiary of Torchmark Corporation and then was renamed Globe Life in 2018. The company is headquartered in McKinney, Texas, near Dallas.
Sources:
J.D. Power. “Individual Life Insurance Study.” Accessed March 2025.
Insure.com in the fall of 2024 surveyed more than 1,750 insurance consumers (973 people with life insurance). The survey was conducted by online market research company Slice MR.
Respondents were asked to name their life insurer and then grade it in the following categories:
The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.
We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:
The percentage of respondents who said yes is presented in the results.
The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.
They then collected AM Best data, which measure financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations.They also collected insurance rate data from Compulife.
With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For life insurers, we took the following and gave each a weight.
Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.