Globe Life burial insurance
Globe Life is built on a very low advertised entry price. The part that matters is what happens to that price afterwards.
Rating read from AM Best on 2 September 2026. AM Best calls A excellent: a strong ability to meet obligations to policyholders. How we check ratings.
The verdict
The advertised first month is real and the long term cost is the problem. Much of what Globe Life sells direct increases in price as you move through age bands, which is the opposite of what a burial policy is supposed to do. A level premium whole life policy costs more on day one and less over the twenty years that actually matter.
We do not represent Globe Life
This is an editorial review. We hold no appointment here and earn nothing if you buy one, which is exactly why we can be straight about it. The carriers we can actually write are listed here.
What is good and what is not
In its favour
- Extremely low advertised starting price
- Very easy to buy, no agent needed
- A rated
Against it
- Premiums on much of the direct business increase with age band
- Small face amounts relative to what a funeral costs
- Bought by many people who never compare it to a level premium alternative
How it treats your health
Simplified, with limited health questions on much of the direct offering.
What it actually sells
Direct to consumer term and whole life, sold heavily through mail and television.
The waiting period
Varies by product. Any guaranteed acceptance version carries the standard two year graded benefit.
This is the single most misunderstood thing in this market, and it is where most people get sold the wrong policy. Our full explanation is in burial insurance with no waiting period.
What moves the price
Age band is the critical one. Ask specifically whether the premium is level for life or whether it steps up, because that single answer decides whether the policy is cheap or expensive.
Why there is no price on this page
We hold no rate tables, so any premium printed here would be invented. On a licensed site that is a compliance problem rather than a helpful touch. The honest number comes from running your age, state, health answers and coverage amount against the 25+ companies the agency can write, which takes a few minutes.
See what Globe Life would actually cost you
Six questions, about a minute. We run them across every company we can write, including this one where possible, and come back with real prices. A typical burial runs $15,395 once the cemetery is included, so that is the number worth covering.
Get my quotes (786) 818-0383Talk to one of our licensed agents
Questions people ask about Globe Life
Does Globe Life insurance go up in price?
On much of what it sells direct, yes, the premium increases as you move into a new age band. A level premium whole life policy is fixed for life. Ask which one you are being offered, and get it in writing.
Compare it against the rest
One carrier is never the answer for everybody, because they disagree about health. The full scorecard shows every company we can write, with the verified AM Best grade and the date we read it.