≡ Menu


Best Globe Life Insurance Review 2017 [Pros & Cons and Top Tips]

Globe Life Insurance

When reviewing Globe Life Insurance, it is important to understand that you have options. At TermLife2Go, we work with dozens of top rated carriers. You can view some of our favorites by checking out our list of the top ten best life insurance companies and the top ten best no medical exam companies. And for those who are looking for burial or final expense insurance, consider our top ten best final expense companies. Give us a call today to see what we can do for you.

Disclaimer: We are not Globe Life. If you need to reach the company direct, please visit online at www.globeontheweb.com or call 1-800-811-3927.

2017 Review of Globe Life

Are you looking for Globe Life Insurance reviews? People also search for Global Life reviews. Either way, you have come to the right place. Please read on for our Globe Life review covering the positives, the negatives and the alternatives to Globe Life Insurance.

Globe Life Insurance Review – Pros & Cons

This Globe Life Insurance review will cover the following:

Globe Life Insurance Reviews

The Positives

Excellent AM Best Rating

Any fair review of Globe Life and Accident Insurance Company will start with its strong financial presence and brand image. Globe has been around since 1951. That is a relatively short term as financial companies go but one thing Globe Life has going for it is its A.M. Best Company rating of A+. A.M. Best is the premier insurance ratings agency and Globe Life has one of its highest marks for financial strength.

Fixed Death Benefit

Globe Life will lock you into your face amount so you will not have to worry about your $25,000 life insurance policy only paying out $10,000. Your face amount is fixed for the life of your policy and will not be cancelled as long as you pay your premiums. That is great news for someone who is using their life insurance to pay for burial costs or to pay off various debts.

Competitive Pricing

Another advantage of Globe is their pricing. Globe Life Insurance rates are competitive for the face amounts offered.

However, for healthy individuals, the best life insurance rates by age are obtained by taking a life insurance medical exam.

Sample Globe Life Insurance Rates

Term-to-age 90 rates for a male as of March 23, 2016

Ages $5,000 $10,000 $20,000 $30,000 $50,000
50 8.43 12.49 20.61 28.73 44.96
55 9.58 14.75 25.07 35.39 56.03
60 12.16 19.93 34.59 51.05 82.16
65 15.87 27.34 50.28 73.22 119.11
70 19.88 35.19 65.79 96.39 157.59
75 26.77 49.12 93.82 138.52 227.92
80 41.99 79.49 154.49 229.49 379.49

No Medical Exam

Globe Life also offers no exam policies, otherwise known as simplified issue life insurance. The application has just a handful of health questions. With all the benefits involved in avoiding an exam, you might find that you can get more bang for your buck with an policy that requires an exam.

Further, there are some non exam policies offered by different companies that are less expensive than Globe. So while not taking an exam can be seen as a positive for Globe, the negative is there are better non exam policies available if you are relatively healthy and don’t mind answering a few more health questions. See, Exam v. No Exam

Great Brand Name

Globe Life has a great brand name because Globe Life is a reliable life insurance company. Although not as widely known as State Farm, Prudential, or MetLife, Globe Life has done of good job of marketing and protecting the image of its brand name. As a result, many people choose Globe Life for their insurance needs.

Good Mix of Policy Options

Globe Life offers term life insurance policies to age 70, age 80, age 90 and Term to 100. Each term policy ends on the year that it expires with no renewal. Face amounts range from $5,000, $10,000, $20,000, $30,000, $50,000, $75,000 or $100,000.

Globe Life’s Final expense whole life insurance is available for $5,000, $10,000, $20,000, $30,000 and $50,000. The coverage lasts your whole life and offers a fixed face amount and fixed rate for the life of the policy.

Excellent Choice for Specific Clients

For clients with slightly below average health, Globe Life Insurance is a great fit, especially compared with the company’s two primary competitors: Colonial Penn and AARP. The Company does ask some health questions, but unless you are battling with some serious pre-existing condition, you should qualify.

The Negatives

As we discussed above, there are many pros to Globe Life. There really aren’t many negatives that we can think of when it comes to purchasing a Globe Life Insurance policy.  After all, they have a great AM Best rating and really do have some great products.  The only problem that we’ve run into is when folks end up purchasing a policy from Globe that they don’t fully understand.

Now is this a problem that is unique to Globe Life Insurance? 

Certainly not, but because of the extensive product line Globe offers, we have encountered folks who have been confused about the specifics of their policy.  In particular, we’ve found some folks have been confused about when they’re policy would end as well as if the premium for their policy would remain the same for the life of their policy.

Just be aware that premiums for term life insurance offered through Globe Life go up every five years.

For example, the term to 80 policy premiums increase at age 45, 50, 55, 60, 65, 70, 75, with the policy ending at age 80.

This may pose a problem for someone who is unaware that the policy ends or who bought the policy at age 60 and five years later the premiums go up. If you had planned on keeping the policy forever or if you did not budget for the increase in premium you may be gravely disappointed.

The Alternatives

Your best alternative as a consumer who is seeking out Globe Life reviews because you are shopping for the best price on life insurance is to call an independent life insurance agency, like TermLife2Go. We represent dozens of  top rated life insurance companies. If you call a specific company, such as Globelifeontheweb, you are limiting your options to that ONE company.

TermLife2Go has access to a variety of products, from Term Life to Universal Life to Whole Life. We understand the complex nuances associated with the different types of life insurance products and can fill you in on the important points to be aware of with each company and product. Options are the #1 way to save on the cost of insurance because you can align the right company with your specific health or lifestyle.

For example, we have a few specific companies to choose for diabetic life insurance. You certainly do not want to choose just any company if you have diabetes. That is how we differentiate ourselves from the competition—we focus on the various niches of each top life insurance company, providing custom tailored high risk life insurance options.

The bottom line is this: if you are considering Globe Life, why not give us a call and see if we can offer something better. If we cannot find you something better you can always choose Globe Life. However, if we can find a better offer  we might be able to save you money and lock you into a policy that lasts the rest of your life.

About TermLife2Go

We are an independent agency comprised of seasoned life insurance professionals focused on finding our clients the best company, with the best product, at the best price. We give you options and then make a recommendation based on what matters most—meeting your families needs!

So, what are you waiting for?  Give us a call today or visit our Instant Life Insurance Quotes page and see what we can do for you!

Thank you for reading our article, Globe Life and Accident Insurance Review. Please leave any comments or questions below.

15 comments… add one
  • Kate M

    Would like a comparison of rates for life insurance for $10,000, for my 82 yr old aunt who resides with me.

  • I have a term policy thru Globe. Can you switch this policy over to a whole life policy?

    • Ann,

      We would recommend that you contact Globe directly and see exactly what they can do for you and your existing life insurance policy.



  • I need some insurance coverage on my mother she is 71 years old.

    • Rose,

      That sounds good, just give us a call and we’ll see what your options are.



  • jessica s

    Yes I would like to how go by looking to see my father in law has life insurance that been taking out by my sister in law cause I’m married to her brother and my father in law son I just want to know cause she left two of his kids

    • Jessica,

      We’re not sure we totally understand your question however if you have questions about a policy that Globe has on your Father in law, we would suggest that you ask him or contact Globe Life Insurance Company directly and see what information they can provide you. Globe Life Insurance Customer service number is 1-800-811-3927.



  • Zayda Santiago

    Hello, I am looking for a $5,000 policy for my father. He is 75 years old in good health. I was quoted $41.99 per month. Can you please answer a few questions:
    1. How long do you have to pay into the policy before Globe insurance pays? Some policies state the person must live 2 years before full benefits are paid.

    2. Is the $41.99 a fixed amount paid until the client passes away?

    3. Or Does it change as you get older?

    • Zayda,

      These are all great questions you’ll need to get the answers too, but since we’re not authorized to sell Globe Life insurance products it would be impossible for us to know for sure, which product you have been quoted.


      Our recommendation for you would be to give Globe Life a call at 1-877-577-3860 and ask them all of these same questions.

      From there, go ahead and check out this article:


      And then give us a call and see if we can’t provide you with a better option than you’re being offered by Globe Life.



  • Silvio bergamini

    Am 73 and looking 4 life insurence can you help I am a non smoking had no health problems and am still working am a singer living in spain

    • Silvio,

      We would only be able to help you here at TermLife2Go if you anticipate spending some time in the United States and are either a US citizen or have some type of an “acceptable visa” that the insurance companies will accept. If this is the case, please feel free to give us a call otherwise we recommend that you pursue a life insurance policy through a company operating in your home country.



    • Silvio,

      Unless you anticipate returning to the United States any time soon, you’re most likely going to need to pursue a life insurance policy in Spain. If however, you are a US citizen or visa holder and you do plan on visiting the united states for several months, we may be able to help you. Feel free to give us a call at should you have any additional questions.



  • Term Life

    I do agree there are other no exam options available, especially for seniors; such as, Colonial Penn, Mutual of Omaha, and AARP/NewYork Life, among others. Make sure to find out if other plans have immediate coverage or graded death benefice the first 2 years you are insured.

    • Excellent point. The graded death benefit is a big deal. It is imperative that you know whether or not the policy REQUIRES that the primary insured live for two years before the policy will pay out the full death benefit. Thanks for the post!

Leave a Comment

TermLife2Go Mission

To empower our customers through knowledge and expertise so our clients secure the best and most appropriate insurance coverage available providing peace of mind to our clients and their loved ones.

About TermLife2Go

Our licensed professionals have over two decades worth of experience and will help you choose the best life insurance company for the lowest price based on your specific needs and lifestyle. Find out more about us here.