You’ve seen the offer. It arrives in the mail and runs on television, always leading with the same number: $1 buys up to $100,000 of life insurance. If you’re a senior shopping for burial coverage, the question that matters isn’t whether the offer is real. It’s what the policy costs in year five, year ten, and the year your family actually needs it. This Globe Life insurance review answers that.
The $1 offer is a real offer from a real company: the policies are issued by Globe Life And Accident Insurance Company, a subsidiary of publicly traded Globe Life Inc., and the issuing company holds an A (Excellent) rating from AM Best. This isn’t a warning article. It’s an explanation of how the product is built: the advertising leads with the starting price, the advertised term policy’s premium steps up as you enter each new five-year age band, and the published rate chart’s renewal bands run out at a set point. For someone buying protection for final expenses that will arrive whenever they arrive, that structure deserves a careful look before you sign.
RyCo Life Solutions does not sell Globe Life. RyCo is an independent brokerage with no appointment from Globe Life or any of its affiliates — and that’s deliberate, because increasing-premium term is rarely the structure we recommend for burial purposes, and the rate chart further down is the reason. There is no Globe Life policy we could write for you and no commission we could earn on one. This review was prepared independently; RyCo was not paid by Globe Life, and the content was not submitted to Globe Life for review or approval. What RyCo can do is show you how the product works and what the level-premium side of the market charges, so you have something to measure against.
Quick answer: The $1 pays for your first month only. After that you pay the regular rate for your age, and on Globe Life’s term policies that rate steps up as you enter each new five-year age band — the company’s own rate chart says so. The term coverage’s published chart also has a final renewal band: 86–89 in many states, 76–79 in others — past that band, the chart lists no renewal price. The issuing company, Globe Life And Accident Insurance Company, is rated A (Excellent) by AM Best (affirmed November 12, 2025), with no medical exam and no waiting period advertised. For a senior buying burial coverage, the real comparison is increasing-premium term versus level-premium whole life: a $10,000 level-benefit whole life policy from RyCo’s carrier network typically runs about $50 to $75 a month at age 65 and $95 to $140 at 75 for a non-smoker — more than Globe Life’s term at first, but the rate never changes and the coverage never expires, as long as premiums are paid. RyCo Life Solutions is not affiliated with, appointed by, or compensated by Globe Life; this review is independent.
Globe Life at a Glance
| Company | Globe Life And Accident Insurance Company, McKinney, Texas |
| Parent | Globe Life Inc. (NYSE: GL) — known as Torchmark Corporation until August 2019 |
| Main direct-to-consumer products | Adult term life ($5,000 to $100,000), adult whole life (up to $50,000), children’s whole life (up to $30,000) |
| Medical exam | None — a simple application, per Globe Life |
| Waiting period | None advertised — full coverage the first day, once approved |
| Term premiums | Increase as you enter each new five-year age band, per Globe Life’s published rate chart |
| Term chart’s final renewal band | Varies by state — 86–89 in many states, 76–79 in others; the published charts list no renewal price beyond it |
| Whole life premiums | Level for life, builds cash value, per Globe Life’s description |
| AM Best rating | A (Excellent), stable outlook, for issuing company Globe Life And Accident Insurance Company — affirmed November 12, 2025 |
| The $1 offer | Pays the first month only; the regular rate schedule applies from month two |
| Can RyCo sell it? | No — RyCo holds no Globe Life appointment, by choice |
How We Researched This Review
RyCo Life Solutions does not sell Globe Life. Product details were checked against Globe Life’s own published pages and rate schedules, financial-strength information against AM Best’s November 12, 2025 press release, and corporate history against Globe Life Inc.’s own investor news release. Globe Life premiums are quoted exactly as the company publishes them, with the state group and access date noted, because schedules differ by state. The market ranges further down come from carriers RyCo represents and do not include Globe Life.
What Is Globe Life?
Globe Life And Accident Insurance Company is the direct-to-consumer life insurer behind the $1 mailers and TV spots. It’s based in McKinney, Texas, and it’s a subsidiary of Globe Life Inc., a holding company traded on the New York Stock Exchange. The parent was called Torchmark Corporation until August 8, 2019, when it renamed itself after its best-known brand and changed its ticker from TMK to GL.
Globe Life says its roots go back to 1900, and the company states its family of companies has more than 17 million policies in force and over $231 billion of coverage in force. Those are Globe Life’s own figures, but it is by any measure one of the biggest names in low-face-amount life insurance — big enough to put its name on a Major League ballpark.
The business model is small policies sold directly by mail, online, and through advertising — no agent visit, no medical exam. AM Best describes the group’s focus the same way: high-volume, low-face-amount policies for middle-class and retired buyers. What that model asks of you is to read the rate chart yourself, because no one is sitting across the table to walk you through it.
How the $1 Globe Life Offer Actually Works
Start with the fine print on Globe Life’s own website, because it’s plain once you find it: “$1 pays for the first month’s adult coverage. Then the rate schedule is based on your current age and is guaranteed for the life of the policy.”
First, the $1 is an introductory price for month one, nothing more; from month two you pay the regular rate for your age and amount. Second — the part that trips people up — “guaranteed for the life of the policy” refers to the schedule, not your payment. The schedule itself steps upward. The rate chart says it directly: “Your initial premium is based on your age at issue; premiums increase as you enter each new five-year age period.”
So the policy behind the $1 headline is renewable term insurance with premiums that increase by age band. You’re not locking in a price. You’re locking in a schedule of increases that is printed before you ever apply, and the step up comes when you enter each new five-year age band — 66–70, 71–75, 76–80, and so on — not on an anniversary of your purchase. Buy at 68 and the first increase arrives at 71, when you enter the 71–75 band — three years in, not five. None of this is hidden — the advertising leads with the $1, and the full rate tables, increase schedule included, are published on Globe Life’s site. One distinction to hold onto: this describes Globe Life’s term products, the ones the $100,000 headline advertises. Globe Life also sells whole life, which behaves differently. We’ll get to it.
Do Globe Life Premiums Go Up? The Five-Year Staircase in Real Numbers
Yes — on Globe Life’s term policies, the premium increases as you enter each new five-year age band. Here is the company’s own published monthly rate schedule for a $10,000 term policy, standard class, from the chart it publishes for one large group of states (AR, AZ, FL, IA, ID, IL, IN, KS, KY, LA, MD, MI, NC, NM, NV, OH, TX, UT, VA, WV), accessed August 1, 2026. Other state groups use different numbers, so check your state’s chart.
| Age band | Male, $10,000 | Female, $10,000 |
|---|---|---|
| 61–65 | $30.84/mo | $20.28/mo |
| 66–70 | $42.24/mo | $26.19/mo |
| 71–75 | $59.54/mo | $35.38/mo |
| 76–80 | $79.46/mo | $49.72/mo |
| 81–85 (renewal only) | $111.99/mo | $75.99/mo |
| 86–89 (renewal only) | $161.49/mo | $106.99/mo |
Source: Globe Life’s published rate schedule for the state group listed above, accessed August 1, 2026. Rates are Globe Life’s standard-class monthly rates after the first month, quoted for comparison and education, not as an offer of coverage. Rate figures accessed August 1, 2026, from Globe Life’s published charts; rates and bands vary by state group and are subject to change.
What the staircase costs a 68-year-old
Run the chart forward for a 68-year-old man buying $10,000 to handle his funeral. He starts in the 66–70 band at $42.24 a month — genuinely cheaper than most level whole life at his age, which is why the offer appeals. Then the staircase does its work:
- Ages 68–70: $42.24/mo
- Ages 71–75: $59.54/mo — up 41 percent
- Ages 76–80: $79.46/mo — nearly double his starting rate
- Ages 81–85: $111.99/mo
- Ages 86–89: $161.49/mo — almost four times where he started
Add it up: kept from 68 through 89, the policy costs roughly $24,300 in premiums for $10,000 of coverage. That is our arithmetic, straight from Globe Life’s published chart. The increases land in his eighties, on a fixed income, at exactly the ages when a claim becomes most likely. That is the point where dropping the policy starts to look tempting, and a term policy dropped at 84 after sixteen years of premiums pays no death benefit once it has lapsed.
And then the chart runs out
Look at the chart again: the last band is 86–89, and Globe Life’s own footnote says ages 81–89 are “not available for issue; rates are for renewals only.” Past that final band, the chart lists no renewal price. In another group of states (AL, DC, GA, MO, MS, OK, SC, TN), the published chart’s final band is 76–79. In plain English: the published schedule runs out, and a term policy that is no longer in force pays no death benefit — and this one builds no cash value along the way. The funeral bill it was meant to cover does not expire, but the rate chart does.
To be fair: none of this is a trick — every figure here is published by Globe Life itself. This review is about fit, not fraud. Renewable term has legitimate uses — covering a mortgage, protecting income for a set stretch of working years. The mismatch is that an increasing-cost product with a final renewal band is being shopped by seniors for a need — burial money — that is permanent by definition.
One question the published consumer materials we reviewed do not answer: conversion rights — whether, and until what age, the term policy can be converted to permanent coverage without new underwriting. Ask for that answer in writing before you buy, because whether the policy can be converted is what decides your options later.
What Globe Life Does Well
A fair review gives the company its due, and there’s real substance here.
The financial strength is genuine. AM Best affirmed Globe Life And Accident Insurance Company at A (Excellent) with a stable outlook on November 12, 2025, citing very strong operating performance and consistent earnings across the group. AM Best’s A rating for the issuing company speaks to financial strength; this review’s focus is product structure, not solvency.
Day-one coverage, no exam. Globe Life advertises no medical exam, a simple application, and “No Waiting Period — Full Coverage The First Day” once approved. That last part matters. Plenty of policies sold to seniors carry two-year graded benefits, where a natural-cause death in the early years returns premiums instead of the face amount. Full immediate coverage for approved applicants is a real advantage.
The entry price is honestly low. That $42.24 at 68 really is the price for those first years. For someone who can’t fit a level premium into this month’s budget, a cheap start beats no coverage — the application process is designed to be fast, and approval is not guaranteed. A bridge, if not the destination.
Buying is easy, and so is leaving. Apply online in minutes, no agent visit, no pressure at the kitchen table. Nothing locks you in: on the term product, miss payments beyond the grace period and the policy lapses. Globe Life also advertises a 30-day money-back guarantee on its whole life product.
The brand has been around a long time. Roots to 1900 by the company’s own history and decades of direct-mail experience. This is not a fly-by-night operation, and it would be silly to review it as one.
Globe Life Whole Life and Children’s Coverage
Here’s something worth knowing: Globe Life itself sells level-premium whole life, up to $50,000, with the same no-exam application and no advertised waiting period. On that product, the company states the rate you pay at issue “is locked in for life,” the coverage can’t be reduced or canceled as long as premiums are paid, and the policy builds cash value. The same $1-first-month hook applies, but what sits behind it is a permanent policy rather than a five-year staircase.
If you like the company, its own whole life is the honest comparison point for burial coverage, and it’s worth asking them to quote it. Then check that quote against the broader market, because level final expense whole life is a competitive space and no single company’s number is automatically your best one.
Globe Life also sells children’s whole life up to $30,000, with rates the company says are locked at the child’s issue age for life. Grandparents often buy these as a head start. If you’re shopping coverage for a parent rather than a grandchild, the mechanics are different — our guide to buying burial insurance for a parent walks through consent, ownership, and who can pay the premium.
Term vs. Whole Life for Burial Coverage: The Only Comparison That Matters
Strip away the branding and a senior buying final expense coverage is choosing between two product structures:
- Increasing-premium term: cheaper now, climbs with each new age band you enter, and its published chart lists no renewal price past the final band. It pays only if you die while it’s still in force.
- Level-premium whole life: costs more now, but the premium is locked at your purchase age forever, and the coverage lasts as long as you pay — whether that’s to 78 or to 101.
For a need that arrives on an unknown date — and a funeral is exactly that — the level policy is built for the job. In the illustration further down, the term policy stays cumulatively cheaper until about age 88; run both through the end of age 89 and the term policy has cost about $1,900 more — and at that point it is also at the end of its published chart, while the level policy continues for life as long as premiums are paid. The real difference is not just the totals — it is which policy still has a published renewal price at that age. The advertising leads with the starting price; the full schedule is in the rate chart. A buyer who compares the two starting numbers and picks the smaller one has compared the first step, not the staircase.
The National Funeral Directors Association put the median cost of a funeral with viewing and burial at about $8,300 in its 2023 price study, before cemetery costs. To size your coverage properly, our funeral cost calculator does the arithmetic for you. A policy that can price itself out of your budget before the day it’s needed carries a risk the level product doesn’t have.
How Much Does Level Burial Insurance Cost in 2026?
To judge the trade, you need the other side’s number. Below are the ranges RyCo Life Solutions sees across its carrier network for a $10,000 level-benefit whole life policy, non-smoker, immediate benefit.
| Age | Typical monthly range (non-smoker) |
|---|---|
| 55 | $30 to $50/mo |
| 60 | $40 to $60/mo |
| 65 | $50 to $75/mo |
| 70 | $70 to $105/mo |
| 75 | $95 to $140/mo |
| 80 | $135 to $195/mo |
Sample ranges only, current as of August 2026 — not a rate card, not quotes, and not approved or provided by any carrier. These are illustrative monthly premiums for a non-smoker at level benefit across RyCo Life Solutions’ carrier network; Globe Life is not included. Actual quotes vary by state, age, sex, tobacco use, and underwriting. Your own number can only come from an application.
Tobacco users typically pay 50 to 80 percent more at the same age and amount — an illustrative range from the same network, not a published differential. Women generally pay less than men at every age.
Put the two tables side by side. Our 68-year-old could buy a $10,000 level policy for roughly $70 to $105 a month — call it $85, an illustrative midpoint of the market ranges above, not a quoted rate from any carrier. That’s more than Globe Life’s $42.24 today, and it will still be $85 when he’s 82 and Globe Life’s chart wants $111.99. Hold both policies from 68 through 89 and the term buyer’s running total stays lower until about age 88; run both through the end of age 89 and he has paid roughly $24,300 against the level buyer’s roughly $22,400 — about $1,900 more — and his chart has reached its final renewal band, while the level coverage continues for life as long as premiums are paid. A term policy for burial costs is a timing bet — and nobody gets to pick their timing.
| What you are comparing | Globe Life $10,000 term at 68 | Level-benefit $10,000 whole life at 68 | Why it matters |
|---|---|---|---|
| Starting monthly premium | $42.24 per Globe Life’s published chart | Roughly $85, illustrative midpoint from the market table above | The term policy starts cheaper |
| Premium at ages 86–89 | $161.49 at 86–89 per the published chart | Still roughly $85 — level by design, as long as premiums are paid | The term policy roughly quadruples |
| Total paid 68 through 89 | About $24,300 | About $22,400 | Slightly more by 89 — and the bigger difference is which policy still has a published renewal price at that age |
| Coverage after the last age band | The published chart lists no renewal price past its final band | Continues for life as long as premiums are paid | Whole life cannot be outlived |
Globe Life Complaints and Customer Satisfaction
Two independent signals, each worth exactly what it measures.
On complaints: in its 2026 review, NerdWallet reported that Globe Life drew far more complaints than expected for a company of its size over a three-year period, based on its analysis of complaint data from the National Association of Insurance Commissioners. That’s a volume-adjusted measure, so “we’re big” doesn’t explain it away, though it doesn’t say which products or issues drove the complaints. You can look up any carrier’s complaint record yourself at naic.org through the NAIC’s Consumer Information Source — worth doing for any carrier before you buy, not just this one.
On satisfaction: the same NerdWallet review notes Globe Life ranked 9th out of 22 companies in J.D. Power’s 2025 U.S. Individual Life Insurance Study — solidly mid-pack. It’s one more reason to understand exactly what you’re buying before the first bank draft.
Who Globe Life Fits — and Who Should Compare First
Globe Life’s term offer can make sense if…
- You need temporary coverage for a set stretch — a loan, a working spouse’s income gap — and you’ll genuinely drop it when the need passes.
- You need something in force soon and can’t fit a level premium into the budget yet — keeping in mind that approval is not guaranteed. A bridge while you shop, not the permanent plan.
- You want day-one coverage with no exam and you’ve read your state’s rate chart all the way to the last band, eyes open.
- You’re insuring a grandchild — the children’s whole life product is level-premium and permanent, a different animal from the adult term offer.
You should compare level whole life first if…
- You’re buying this to pay for your funeral. That need doesn’t expire, so the policy shouldn’t either.
- You’re on a fixed income that can’t absorb a premium that doubles over ten to fifteen years.
- You’re in reasonably good health — healthy applicants get the market’s best level rates, and more carriers compete for the file.
- You’ve been declined before and assumed this was your only option — it usually isn’t. Our guide to getting burial insurance after being declined covers what’s actually available.
- You already hold a Globe Life term policy and just felt an age-band increase hit. Depending on your health, moving to a level policy now may replace the increase schedule with a level premium, as long as premiums are paid.
Already Own a Globe Life Policy? Check These Five Things
Pull out the policy or log into your account, and write down:
- Term or whole life. The policy schedule page says which. Everything else flows from this.
- The face amount — the exact death benefit in dollars.
- Your current premium and your next one. If it’s term, find your age band on your state’s chart and look at the next two steps. That’s your actual future cost.
- The final band on your state’s chart. The chart lists no renewal price beyond that band — know where yours sits.
- What a level policy costs at your age today. Compare it against the next steps of the staircase, not against the step you’re standing on.
With those five items, any independent brokerage can run a real comparison in minutes, RyCo Life Solutions included. And one thing not to do: never cancel existing coverage before new coverage is approved and in force. A new policy starts its own two-year contestability clock, and if your health has changed, you may not qualify for what you already have. Compare first, cancel last, and only when you’re clearly better off.
Where RyCo Life Solutions Fits In
RyCo Life Solutions is a family-owned independent brokerage, with agents licensed in 47 states and Washington, D.C., shopping your file across 30+ A-rated carriers. No call center, and nobody works from a script.
RyCo doesn’t sell Globe Life and earns nothing whether you buy from them, keep them, or leave them. What we sell is the other side of that comparison: level-premium final expense whole life from the carriers we represent — the locked rate, the coverage that doesn’t expire, day-one benefit for most health profiles. If you’re holding a Globe Life offer or an existing policy, we’ll run your age and health across our carriers and tell you straight whether the level side of the market beats it. When the honest answer is that what you have is worth keeping, we say that too.
To be straight about how we’re paid: if you buy through RyCo, the issuing insurance company pays us a commission; you don’t pay RyCo a separate fee. You should know that when you weigh anything we’ve said about a company we don’t represent.
If you’d rather talk it through than fill anything out, call (314) 876-0334 and a licensed broker picks up.
RyCo Life Solutions is an independent insurance brokerage and is not affiliated with, appointed by, endorsed by, or compensated by Globe Life And Accident Insurance Company or Globe Life Inc.
Frequently Asked Questions
Is Globe Life a legitimate insurance company?
Yes. Globe Life And Accident Insurance Company is a licensed insurer based in McKinney, Texas, and a subsidiary of Globe Life Inc., which trades on the New York Stock Exchange. AM Best affirmed its A (Excellent) financial strength rating with a stable outlook on November 12, 2025.
How does the $1 Globe Life offer work?
The $1 pays for your first month of coverage only. From month two you pay the regular rate for your age and coverage amount, exactly as shown on the rate schedule Globe Life publishes for your state. The $1 is an introductory price, not the price of the policy.
Do Globe Life premiums go up as you get older?
On the term policies, yes. Globe Life’s rate chart states that your initial premium is based on your age at issue and premiums increase as you enter each new five-year age period. On its whole life policies, no. Globe Life states those rates are locked at issue and stay the same for life.
Is Globe Life good for burial insurance for seniors?
The heavily advertised term policy is a poor structural match for burial coverage, because the premium climbs as you enter each new five-year age band and the published chart lists no renewal price past its final band, while the need it’s meant to pay for never expires. A level-premium whole life policy, from Globe Life or any other carrier, locks the rate and lasts for life, which is the structure built for final expenses.
Does Globe Life have a waiting period?
No. Globe Life advertises no waiting period and full coverage the first day once you are approved. A two-year suicide exclusion applies, and after two years in force Globe Life states it will not question the policy’s validity for any reason except non-payment of premiums.
How long does Globe Life term insurance last?
It depends on your state. On the chart Globe Life publishes for one large group of states, the final published band is ages 86 to 89, and ages 81 to 89 are renewal only. In another group of states the final published band is ages 76 to 79. The chart lists no renewal price beyond its final band, and what happens past that final band is a question to put to Globe Life directly before you buy.
What is Globe Life’s AM Best rating?
A (Excellent) with a stable outlook. AM Best affirmed the rating for Globe Life And Accident Insurance Company and the other key life and health subsidiaries of Globe Life Inc. on November 12, 2025.
Does Globe Life require a medical exam?
No. Globe Life advertises no medical exam and a simple application for its term and whole life products. Approval is still based on the application, so coverage is not guaranteed for everyone who applies.
What is the difference between Globe Life term and whole life?
The term policy starts cheaper, but the rate increases as you enter each new five-year age band and the published chart lists no renewal price past its final band. The whole life policy costs more at the start, but Globe Life states the rate is locked for life, the coverage cannot be reduced or canceled as long as premiums are paid, and it builds cash value. The consumer materials we reviewed do not spell out whether, or until what age, the term policy can be converted to permanent coverage without new underwriting, so ask for those conversion terms in writing before buying.
Where can I check Globe Life complaints?
The NAIC maintains a public complaint index at naic.org, and your state department of insurance publishes complaint data for licensed companies. In its 2026 review, NerdWallet reported that Globe Life drew far more complaints than expected for a company of its size over three years, based on its analysis of NAIC data.
Can I cancel Globe Life insurance anytime?
Yes. You can cancel a life insurance policy at any time. On term coverage, miss payments beyond the grace period and the policy lapses; whole life policies build cash value and typically carry nonforfeiture options, so the outcome of stopping payment depends on the policy. Globe Life also advertises a 30-day money-back guarantee on its whole life product. Just never cancel an existing policy before a replacement is approved and in force.
Who owns Globe Life?
Globe Life And Accident Insurance Company is a subsidiary of Globe Life Inc., a publicly traded holding company headquartered in McKinney, Texas. The parent was known as Torchmark Corporation until August 2019, when it renamed itself Globe Life Inc. and changed its stock ticker to GL.
Globe Life Insurance Review: Our Verdict
Globe Life is a strong company selling an honestly priced product with a structure that a senior buyer can easily miss. Every Globe Life premium and rate-chart figure in this review comes from Globe Life’s own published pages, accessed August 1, 2026. The advertising leads with the $1; the age bands are in the published rate chart. The chart sets what you pay along the way — the face amount is what the policy pays, and only a policy still in force pays it.
If you need temporary coverage, or a bridge while you shop, the term offer does what it says, though approval is not guaranteed. If you’re buying money for a funeral — a bill with no expiration date — then buy a policy with no expiration date, whether that’s Globe Life’s own whole life or a level final expense policy from the wider market. The comparison takes about ten minutes. Decide with both tables in front of you. That’s the whole ask.
See the level-premium number for your age before you decide. A licensed RyCo Life Solutions broker will run your age and health across 30+ carriers and show you what a locked rate on permanent coverage costs — and tell you straight if what you have is worth keeping. Get your comparison quote, or call (314) 876-0334 and talk it over with a real broker.
Take the Next Step
- How burial insurance for seniors actually works — the full guide, start to finish.
- Funeral cost calculator — work out how much coverage you actually need.
- Burial insurance after being declined — what’s really available when you’ve been told no.
- Burial insurance for a parent — consent, ownership, and paying the premium for someone else.
- Lincoln Heritage life insurance review — the other direct-response carrier seniors ask about most.
Sources
- AM Best press release, November 12, 2025 — “AM Best Affirms Credit Ratings of Globe Life Inc. and Its Subsidiaries”; FSR of A (Excellent), stable outlook, for Globe Life And Accident Insurance Company and affiliated life/health subsidiaries. news.ambest.com. Accessed August 1, 2026.
- Globe Life — term life insurance page and published state rate schedules ($1 offer terms, five-year age bands, renewal-only bands, no-exam and no-waiting-period claims, contestability provisions). globelifeinsurance.com/termlifeinsurance. Accessed August 1, 2026.
- Globe Life — adult whole life insurance page (level lifetime rates, cash value, coverage up to $50,000, 30-day money-back guarantee). globelifeinsurance.com/adult-whole-life. Accessed August 1, 2026.
- Globe Life — About/History page (roots to 1900, in-force figures). globelifeinsurance.com/about. Accessed August 1, 2026.
- Globe Life Inc. investor news release, August 9, 2019 — “Torchmark Corporation Has Officially Been Renamed Globe Life Inc.” (name change effective August 8, 2019; ticker change TMK to GL). investors.globelifeinsurance.com. Accessed August 1, 2026.
- NerdWallet, “Globe Life Insurance Review 2026” — NAIC complaint characterization (far more than expected for company size, three-year period) and J.D. Power 2025 U.S. Individual Life Insurance Study ranking (9th of 22). nerdwallet.com. Accessed August 1, 2026.
- National Funeral Directors Association, 2023 General Price List Study — median cost of a funeral with viewing and burial, approximately $8,300. nfda.org.
About the Author
Ryan Vallett is a licensed life insurance broker and the founder of RyCo Life Solutions, a family-owned independent brokerage with agents licensed in 47 states and Washington, D.C. He works with seniors and their families on burial insurance, final expense, and whole life coverage across 30+ A-rated carriers, in plain English, with no call center and no pressure.
Last updated: August 13, 2026.
This article is for general educational purposes and is not insurance, medical, tax, or legal advice. Product details, rates, and availability are current as of publication, are subject to change, and vary by state and by product. Globe Life premiums quoted here are taken from rate schedules published on Globe Life’s own website for the state groups identified, as of the access date shown, and may differ in your state or have changed since. Market premium ranges shown are illustrative, are not quotes, and have not been provided or approved by any carrier; coverage is subject to underwriting approval where applicable. Statements about Globe Life products reflect that company’s own published materials as of the dates above. Globe Life and related marks are trademarks of Globe Life Inc. RyCo Life Solutions is an independent insurance brokerage, is not affiliated with, appointed by, endorsed by, or compensated by Globe Life And Accident Insurance Company or Globe Life Inc., and does not offer or sell their products. For advice about your specific situation, speak with a licensed broker, physician, or qualified professional. If you are considering replacing any existing coverage, do not cancel a policy you already have until new coverage is in force — replacement can restart contestability and suicide-exclusion periods, plus any applicable graded-benefit period, and may forfeit value — and note that approval of new coverage is not guaranteed.