Globe Life delivers strong policy performance and exceptional loyalty among existing customers. Its high renewal rates and solid trust scores make it a meaningful choice for people who want simple, predictable coverage from a company that policyholders stay with for the long haul.
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.
Scott Nyerges is an insurance expert and managing editor, insurance. Previously, he was a senior insurance editor and content strategist at U.S. News & World Report, and worked for Consumer Reports, MSN and Cheapism.com.
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Globe Life ranks No. 15 in our 2026 list with a 4.21 out of 5 overall score. Although it ranks lower overall, it stands out in ways that matter to long-term policyholders – particularly in terms of customer retention, trust, and whole-life performance. Globe Life customers stay at exceptionally high rates, with 100% renewal intent in our survey, which is one of the strongest loyalty markers among all companies reviewed.
Globe Life isn’t the highest-scoring company across every service area, but where it’s strong, it’s very strong – especially for people seeking guaranteed lifetime coverage and a straightforward purchasing experience.
Globe Life delivers a well-rounded experience across most service categories, with especially strong results in policy offerings and long-term customer loyalty. For shoppers, this means the coverage is straightforward, easy to understand, and generally meets people’s needs without complications. Its customer service and ease-of-service scores are solid — not the highest in the industry, but steady enough that getting help or making routine updates should feel manageable. Billing and rider options rate highly, which is important for making predictable payments and customizing your policy over time.
These scores indicate a dependable and low-stress experience. Globe Life may not lead in every category, but the exceptionally high loyalty numbers show that customers feel good about the value they’re getting and are confident sticking with the company. For buyers who want simple, reliable coverage from an insurer, Globe Life offers a reassuring blend of stability and ease.
Here’s how Globe Life compares to its competitors:
Globe Life truly stands out for its loyal customers. With strong trust scores and 100% of surveyed customers saying they plan to renew, the company shows an unusual level of long-term dependability. That suggests policyholders feel secure with their coverage, confident in the company’s financial strength, and comfortable with how their policy is handled year after year. That kind of long-lasting confidence is hard to earn — and it says more about the overall experience than any single metric on its own.
Globe Life performs consistently across age groups, particularly among people who prioritize long-term protection, predictable premiums, and coverage that lasts for life. Satisfaction dips a bit among younger shoppers, who often prioritize digital tools, flexible term options, or a fast application process. It doesn’t mean Globe Life isn’t a fit for them — just that other insurers may align more closely with what younger buyers care about most. Overall, the pattern shows that Globe Life resonates most with people who want reliable, straightforward coverage they can keep for decades.
Globe Life focuses on simple, traditional offerings that appeal to buyers who want predictable life insurance without complex decisions.
Common riders available include:
These add-ons help buyers personalize a simple policy without needing an overly complex structure.
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Methodology
In 2025, Insure.com surveyed more than 2,000 insurance consumers through independent research firm Dynata. Customers named their life insurer and rated it on customer satisfaction, ease of service, policy offerings, billing, and their experience across different applicant types (seniors, middle-aged adults, young adults, people with pre-existing conditions, people who are overweight, and people who prefer no-exam coverage). We also asked whether they planned to keep their policy, would recommend their insurer, and trusted their insurer.
For insurers with enough survey responses, we added:
With guidance from Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, we applied the following weights to determine each company’s final score:
Each insurer received a rating between 0.5 and 5 stars, with 5 stars representing the highest performance.