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Frequently Asked Questions

  1. How can it be this easy to get life insurance? Is there a gimmick or a catch?
  2. Can I start an insurance policy for my spouse?
  3. Is it easy to apply?
  4. Will I be contacted by an agent?
  5. Is the rate schedule guaranteed?
  6. Do I have a money-back guarantee?
  7. Does my coverage decrease as I get older?
  8. When does coverage start? Is there a waiting period?
  9. Can I trust Globe Life And Accident Insurance Company?
  10. Can I get insurance coverage for my whole family for just $1* each?
  11. I already have life insurance. How much more do I need?
  12. Will my coverage change if I'm diagnosed with a serious illness?
  13. Do parents really need life insurance for their children, even if they're still pretty young?
  14. What kind of insurance is children's insurance?
  15. I'd like to insure more children in my family. Can I get coverage for a grandchild, niece or nephew?
  16. How much paperwork will I have to fill out to apply for coverage?
  17. Does the coverage decrease as my child gets older?

  1. How can it be this easy to get life insurance? Is there a gimmick or a catch?
    Securing a policy is as easy as filling out a simple application with just a few Yes/No health questions and sending $1* for the first month. Upon approval of the application, you're fully covered under the terms of your policy and it can never be canceled as long as you pay the premiums on time throughout the policy period. There is no "catch" - just complete your application, and send your $1*.
  2. Can I start a life insurance policy for my spouse?
    Absolutely. When you request FREE/NO OBLIGATION information, we will include an application for your spouse so you can both be covered by Globe Life And Accident Insurance Company's life insurance coverage. Simply complete, sign and return it in the enclosed postage paid envelope.
  3. Is it easy to apply?
    Yes. Just answer a few Yes/No health questions on the application and it will be processed immediately.
  4. Will I be contacted by an agent?
    No. No agent will visit you. You buy direct by mail or online.
  5. Is the rate schedule guaranteed?
    Yes. The rate schedule is based on your current age and is guaranteed for the life of the policy.
  6. Do I have a money-back guarantee?
    Absolutely. Once your application is approved, we will mail your policy. If you are not satisfied for any reason, return it within 30 days and we will refund your $1*. No questions asked.
  7. Does my coverage decrease as I get older?
    No, your coverage will never be reduced or canceled for the life of the policy as long your premiums are paid on time. We guarantee it.
  8. When does coverage start? Is there a waiting period?
    No. There is no waiting period. Your Globe Life And Accident Insurance Company life insurance coverage starts immediately when your policy is issued.
  9. Can I trust Globe Life And Accident Insurance Company?
    Globe Life currently insures over 3.9 million policyholders with over $69 billion of insurance in force and has made insurance easy to buy since 1951. Globe Life continues to receive an A+ (Superior)** rating from A.M. Best Company, one of America’s leading insurance analysts since 1899 (rating as of 6/14). This rating is based on their latest analysis of Globe Life And Accident Insurance Company’s financial strength, management skills and integrity. Globe Life is the insurance company you can trust.
  10. Can I get insurance coverage for my whole family for just $1* each?
    Yes, you may get coverage for as many people as you want for only $1* each person. You, your spouse, and children or grandchildren are eligible for coverage by our insurance policies.
  11. I already have life insurance — how much more do I need?
    How much will be needed for your loved ones to pay your final expenses? It's an amount that no one can accurately predict. The average cost of a funeral is $6,500 according to the National Funeral Directors Association. Then there are medical bills, bank loans, credit card debts and other unpredictable expenses. You can choose $5,000 – $100,000 Life Insurance Coverage to help your family handle final expenses.
  12. Will my coverage change if I'm diagnosed with a serious illness?
    No. Your benefit will NEVER be canceled or reduced for the life of the policy because of changes in your age, health or occupation as long as your premiums are paid on time.
  13. Do parents really need life insurance for their children, even if they're still pretty young?
    Yes. A serious illness or accident could make life insurance very expensive, even unavailable, for your children when they are adults. With Globe Life insurance you will feel secure knowing that you are protecting the future of the ones you love by providing them with lifetime protection. Start now, their rate stays the same for life.
  14. What kind of insurance is children's insurance?
    Our life insurance gives your child a financial head start. The rate is based on your child's current age and is guaranteed for the rest of their life. And because it is a whole life insurance policy, it builds cash value. By starting your child's policy today, the benefits will never be reduced or cancelled regardless of future changes in age, health, or occupation (It’s easy to apply, just a few Yes/No health questions, no waiting period and no agent. It is simple - $1* pays for the introductory period for up to $20,000 coverage.)
  15. I'd like to insure more children in my family. Can I get coverage for a grandchild, niece or nephew?
    Absolutely. A child's parent, grandparent, uncle or aunt can be the policyholder.
  16. How much paperwork will I have to fill out to apply for coverage?
    Hardly any, it's really easy. Just fill out the short application; answer a few Yes/No health questions; and pay $1*.
  17. Does the coverage decrease as my child gets older?
    No. Your child's coverage will never be reduced or cancelled as long as the regular premiums are paid on time.
$1* BUYS $100,000
Life Insurance for Adults

Monthly rates as low as $3.49 for adults

Globe Life has been protecting America's families since 1951
Globe Life continues to receive an A+ (Superior)** rating from A.M. Best Company
(rating as of 6/14)
$1* BUYS $20,000
Life Insurance for Children
Policy Builds Cash Value. Benefits Never Canceled or Reduced.

Monthly rates as low as $2.17
for children or grandchildren