$50,000 of Coverage for $30/month from Globe Life: FACT OR FICTION

Written by Kim Wilhelm

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Last Updated 14 Jun 2024

globe life insurance review
As per the most recent data from Globe Life, they cater to a significant 4.3 million policyholders. 

This number represents a large segment of Americans who might not have thoroughly scrutinized the details of their relatively inexpensive life insurance policies.

Upon investing in final expense insurance, your anticipations typically include:

  • A constant death benefit amount for the duration of the policy
  • Premiums that remain stable until the term ends (or indefinitely in case of whole life insurance)
  • Coverage that suits your requirements, irrespective of age

However, the offerings at Global Life Burial Insurance significantly diverge from these expectations.

In this article we explore the Globe life $30/month insurance policy.

Who Is the Globe Life Insurance Company?

Globe Life Insurance is a holding company that provides life and supplemental health insurance. It was founded in 1900 as Globe Life And Accident Insurance Company, and it is headquartered in McKinney, Texas. Globe Life has over 16.8 million policies in force, and it is one of the largest life insurance companies in the United States.

Globe Life offers a variety of life insurance products, including term life insurance, whole life insurance, universal life insurance, and guaranteed issue life insurance. It also offers a variety of supplemental health insurance products, such as accident insurance, critical illness insurance, and long-term care insurance.

Why Buying Life Insurance Through Globe Life Insurance Isn’t Your Best Option

According to Globe Life, they have 4.3 million policyholders. That’s a lot of Americans that may not have read the fine print on their “cheap” life insurance policies.

When you buy final expense insurance, you expect to get:

  • The same death benefit amount for the life of the policy
  • Premiums that don’t increase until the term expires (or ever if you buy whole life insurance)
  • Coverage that meets your needs, regardless of age

But at Global Life Burial Insurance, what you get is much different. Let’s take a look at their term life insurance policy, for example.

At Globe Life Insurance, you only have to pay $1 for your first month of coverage. Your monthly rates after the first month are based on your current age, the state you live in, and how much coverage you choose. 

Global Life Insurance Term Life Insurance

Term and whole life insurance policies are two of the most common types of life insurance. They differ in several key ways, including cost, coverage, and flexibility.

Term life insurance policies are temporary coverage that provides a death benefit if the insured person dies during the term of the policy.

The term can be for a specific number of years, such as 10 or 20, or until the insured person reaches a certain age, such as 80.

Term life insurance is generally less expensive than whole life insurance, and it can be a good option for people who need coverage for a specific period of time, such as until their children are grown or their mortgage is paid off.

Whole life insurance is permanent coverage that provides a death benefit and builds cash value over time.

It can be used to pay for things like retirement expenses, college tuition, or a home improvement.

Whole life insurance is generally more expensive than term life insurance, but it can be a good option for people who want lifelong coverage. 

globe life insurance review

Here's why it is more expensive than most of their competitors...

If you buy life insurance with Globe Life Insurance, every year your age ends in a 1 or 6, your price goes up. So, if you buy life insurance at 45, expect a rate increase at 46, and then another one at 51, and then another at 56...all the way until you reach age 86.

Yes, you read that right.


And that is how they offer you their term life insurance policy for a $1 the first month and a competitive price the first couple of years.

As they consistently escalate your premium rates every five years, these rates may eventually become unaffordable, especially at a more advanced age when you need the Globe Life Insurance plan the most.

But the situation deteriorates further!

Upon reaching the age of 90, your Globe Life insurance policy coverage automatically lapses on the anniversary date of your policy subsequent to your 90th birthday.

Based on Globe Life Insurance Reviews, if you're a healthy American who lives past the age of 90, all those years of diligently paying for life insurance yield no return.

Now, you're significantly older and without insurance.

Securing affordable life insurance with adequate coverage will be a daunting task, even if you're in good health at 90 years of age.

Does that initial $1 for the first month of life insurance still seem appealing?

Compare and buy

final expense

Final Expense Life Insurance Quote Online

A Better Global Life Insurance Option

If you're working class nearing retirement, we're here to assist you in securing the necessary coverage to safeguard your family at a cost that suits your budget.

At Final Expense Direct, we collaborate directly with you to establish permanent final expense insurance coverage over the phone, ensuring your policy is active immediately.

You can put your mind at ease knowing your life insurance rates will never surge, your coverage will not diminish, and your policy won't lapse when you're older and the need for final expense insurance is paramount.

Here at Final Expense Direct, you're more than just a number; you're an individual with a name and a family. 

When you reach out to us, you'll always be greeted by a human voice. Simply dial 1-800-217-0014, and a real, live person will be on the line to assist you.

Upon getting your information, one of our professional life insurance agents will be assigned to address all your queries and assist you in making the most appropriate decision for your situation.

What sets us apart is the continuity of service: your life insurance agent will remain your point of contact throughout your policy's duration.

Should you have any questions or concerns, you'll have their direct phone number to reach them whenever necessary.

Related Reading: What's the difference between Senior Legacy and Senior Legacy Life Insurance? We break it all down here.

Final Expense Direct by the Numbers


Years of Experience


Years in-a-row on INC 5000


Families Protected


Licensed in 49 States

Securing a phone conversation with a Globe Life representative post-purchase can be a rare occurrence, and the likelihood of conversing with the same individual twice is incredibly slim.

If this process seems foreign to you, let us elucidate the straightforward four-step procedure:

  1. Dial 1-800-217-0014 to reach us.
  2. Engage directly with one of our agents.
  3. Answer a handful of health-related queries, and we'll guide you to a plan that fits your coverage needs and budget perfectly.
  4. Receive immediate approval over the phone, before you even hang up.

Indeed, it's as simple as that when you collaborate with Final Expense Direct!

With more than 35 years of industry experience and partnerships with hundreds of life insurance companies, we're well-equipped to serve you.

Regardless of your chosen life insurance company and coverage plan, you can rest easy knowing that a medical exam is never required.

We do ask a few health-related questions, but only because we collaborate with a multitude of life insurance providers.

Understanding your current health status enables us to promptly pair you with the most suitable life insurance plan that accommodates your budget.

Note:  According to a Penn State University study, 99 percent of all term policies never pay out a claim. Contact us to insure your family receives your life insurance money. 

Often, individuals may feel apprehensive about discussing medical conditions, fearing that existing health issues could result in disqualification or denial of coverage.

While this is sometimes a reality, we would like to reassure you: nearly all our clients have some form of pre-existing health condition, and yet, we are able to secure coverage for them.

Regardless of your current health status, we can still arrange coverage for you today.

Think you can't get affordable, permanent life insurance over the phone without a medical exam? With Final Expense Direct, this is not only possible, but it's also our standard practice!

  • Immediate Approval Over the Phone Today!
  • Speak to a Live Agent 
  • Just a Few Health Questions 

While we can't assure a $1 premium for the first month, we can confidently promise the following:

  • Your rates will remain constant – no increases ever!
  • Your coverage will not diminish over time.
  • You'll never be stuck navigating an automated phone system in hopes of reaching a live representative.
  • As long as your premiums are paid promptly, your coverage will be in effect until the end of your life.
  • You'll be getting life insurance from some of the most reputable companies in the sector.

An additional advantage of securing life insurance with Final Expense Direct? We work with a number of life insurance companies to find the best possible rates for you.

So why consider a cheap Globe Life insurance policy with escalating premiums that terminates at age 90?

Do yourself a favor: dial 1-877-217-0014 to talk with a live agent at Final Expense Direct. As hardworking Americans, we're ready to assist you in securing the coverage you need at a price you can manage.

True, we can't offer a $1 first-month premium, but we can provide much more - peace of mind at times when it's most needed, knowing that your family's future is secure, even after you're gone.

No tricks. No hidden clauses. Just honest, affordable life insurance coverage. From a live agent who always remembers your name.

Reach out to us today at Final Expense Direct. A single phone call ensures coverage that meets all of your life insurance needs. Life insurance should always be this straightforward.


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