Globe Life Inc. (NYSE: GL) is an insurance holding company incorporated in Delaware in 1979 that sells individual life insurance and supplemental health insurance products to consumers across multiple distribution channels. It makes money by collecting recurring premiums on life and health policies, investing the float from those premiums, and managing the spread between investment income plus premiums and policyholder benefit costs. Its primary operating subsidiaries are Globe Life And Accident Insurance Company, American Income Life Insurance Company, Liberty National Life Insurance Company, Family Heritage Life Insurance Company of America, and United American Insurance Company. Distribution spans direct-to-consumer and agency-based channels, with the company headquartered in McKinney, Texas.

Revenue model

Recurring premium income from individual life and supplemental health insurance policies, supplemented by net investment income earned on the float from policyholder reserves.

Products and services

Individual life insurance, supplemental health insurance. Underwritten and distributed through five primary subsidiaries: Globe Life And Accident Insurance Company, American Income Life Insurance Company, Liberty National Life Insurance Company, Family Heritage Life Insurance Company of America, and United American Insurance Company.

Customers and end markets

Individual consumers seeking life insurance and supplemental health coverage. Distribution channels include direct-to-consumer and agency-based methods targeting individual policyholders.

Value-chain role

Insurance underwriter and direct distributor of life and supplemental health insurance products to individual consumers.

Geographic exposure

United States, headquartered in McKinney, Texas. No additional geographic detail supported by the filing excerpts provided.

Source: SEC 10-K, filed 2026-02-25

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