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Globe Life Final Expense Insurance Review


ConsumersAdvocate.org Rating: 4.7 / 5 (Excellent)
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Based in McKinney, Texas with roots going back to 1900, Globe Life offers various insurance products including term, whole, children's, senior, and more. The company continues to receive an A+ (Superior)** rating from A.M. Best Company based on the latest analysis of Globe’s financial strength, management skills, and integrity (ratings as of 7/19).
 
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How is Globe Life rated?

Breakdown

4.3/5
Policy Features
4.9/5
Qualifications
5.0/5
Financial Strength
5.0/5
Customer Experience

Overall Rating: 4.7 / 5 (Excellent)

Globe Life is a great choice for life insurance because it’s easy to apply and simple to understand. There is no medical exam, just a simple application, with premiums designed to fit your budget. This is an ideal scenario for those looking for an insurance policy to help loved ones cover the costs associated with a funeral or burial. And since you can buy direct with Globe Life they offer a fast approval process and customers are less likely to get the runaround.

Globe Life Policy Features

Policy Features - 4.3 / 5

Globe Life final expense insurance is essentially a term life policy purchased with the specific intention of paying for burial and funeral costs. Customers can choose from coverage amounts of $5,000, $10,000, $20,000, $30,000 $50,000, and $100,000. As with all of Globe Life’s life insurance offerings, term policies are geared toward everyday families on a budget. In fact, on some policies rates can be as low as $3.49 for adults per month. Additionally, there is no waiting period so you can get coverage the first day. You can buy direct from Globe Life and they offer a fast approval process. Globe also offers whole life insurance for your child or grandchild. You can give your child a financial head start with rates as low as $2.17 per month.

Policy Coverage Maximum

$100,000

Expenses Benefits Help Cover

  • Caskets
  • Funeral
  • Flowers
  • Cremation
  • Post-Funeral Reception
  • Burial Plots
  • Headstone

Types of Insurance Products

  • Term
Types of Premiums
Step Rate
Restrictions on Benefit Usage
No
Accidental Death Coverage
Yes

Globe Life Qualifications

Qualifications - 4.9 / 5

Globe Life offers a simplified issue life insurance product. There is no medical exam, just a simple application with a few health questions. They offer a fast approval process and there is no waiting period. That means once approved you can get full coverage the first day. Generally, simplified issue life insurance products offer higher face amounts and are cheaper than guaranteed, which usually have waiting periods. Globe Life’s options are more than sufficient for those looking to cover final expenses.
Medical Exam Required
No--just a simple application

Globe Life Financial Strength

Financial Strength - 5 / 5

Globe Life has roots going back to 1900. The company's goal was to sell affordable and dependable life insurance to everyday families. Globe Life has consistently scored high with A.M. Best over the years, and currently has an A+ (Superior) rating with the organization for financial strength, management skills and integrity. (Ratings as of 7/19) Financial strength is of paramount importance when it comes to life insurance carriers as it determines whether or not they can meet their long term financial obligations to customers.
Year Founded
1900
Company Type
Underwriter
Underwriter
Globe Life and Accident Insurance Co.
A.M. Best Financial Rating
A+

Globe Life Customer Experience

Customer Experience - 5 / 5

Globe Life has a reasonably good reputation for customer service. Although the company has several complaints with the BBB, the majority of them have been answered or resolved by representatives, thus giving Globe Life an A+ grade with the organization. The company has a mediocre Trust Pilot rating, but this is based only one isolated complaint. Since Globe Life has approximately 4.2 million current policyholders, having just one Trust Pilot complaint is actually evidence of superior customer satisfaction.

Globe Life, however, does have a complaint ratio with the NAIC that is higher than the national average. However, its complaint ratio for 2019 was 3.14, down considerably from its ratio in 2018 and possibly indicative of improved customer service.
BBB Rating
A+
Trustpilot Rating
3.2 out of 5
NAIC Complaint Ratio 2018
3.88
NAIC Total Complaints 2017
82
Date Collected
2020-04-16

Company Profile

Full Name
Globe Life Final Expense Insurance
Company Website
https://www.globelifeinsurance.com/
Headquarters
3700 S Stonebridge Dr, McKinney, TX, 75070

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Customer Comments & Reviews

Loading Reviews ...
B
Bobbie
7/16/2022
I have to give them a 5 star had a claim on my mom and they acted very promptly in 3 weeks actually to the day no run around great customer service will definitely pick up more policies with them

Top Rated
  • $5,000 to $100,000 in coverage
  • No medical exam - simple application
  • No waiting period – fast approval process
  • Buy direct from Globe Life 
  • 4.2 million current policyholders
  • Life insurance that fits your budget
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