olivLaw · US equity research
Globe Life Inc. GL
Life Insurance · SIC 6311 · Vertical: Life Insurance (SIC 6311)
Globe Life Inc. is an insurance holding company that sells mainly individual life and supplemental health insurance to lower middle-income and middle-income households across the United States, through exclusive, direct-to-consumer and independent channels. With total premium income of about 4.9 bn USD in 2025, the company reported a 7% rise in total premium revenue in the third quarter of 2026, while net operating income per share stayed roughly flat.
The AI analysis may be outdated: new filings came after its sources (see the «AI analysis» section).
At the close of 04 Nov 2026, Globe Life Inc. (GL) stock was 161.72 USD (+2.23% on the day), with market capitalisation 12.4 bn USD, P/E 10.7 on diluted EPS of 15.06 USD over the last 12 months, dividend yield 0.74%, beta 0.64, 52-week range 130.37–186.02 USD. Latest reported quarter (Q2 2026): revenue of 1.6 bn USD (+8.0% YoY), net income of 287.7 m USD (+13.8% YoY), diluted EPS 3.65 USD.
Data as of · AI analysis dated · Source: SEC filings and closing prices, computed by olivLaw.
Price history
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Technical reading
- RSI (14)
- 45.8
- neutral
- Bollinger (20, 2)
- 153.78 – 172.91
- in the lower half of the band · %B 0.41 · band width 11.7%
- SMA 50 / 200
- 167.56 / 160.02
- mixed trend
- MACD (12, 26, 9)
- -2.51 / -2.41
- MACD below signal
Indicators describe past prices; on their own they do not predict direction. On our history the RSI ≤ 40 filter added no return (see the signals methodology).
Performance
| Company | S&P 500 | vs S&P 500 | Vertical median | |
|---|---|---|---|---|
| 1 month | −2.5% | −1.1% | −1.4 pp | — |
| 3 months | −12.0% | −0.5% | −11.6 pp | — |
| 6 months | +4.7% | +4.4% | +0.4 pp | — |
| Year to date | +15.6% | +12.3% | +3.3 pp | — |
| 1 year | +21.2% | +13.5% | +7.7 pp | +1.1% |
| 3 years | +38.0% | +76.4% | −38.4 pp | +51.2% |
| 5 years | +70.5% | +63.7% | +6.8 pp | — |
Price returns, dividends excluded.
Quarterly results
Latest quarter: Q2 2026 · 30 Jun 2026
Quarterly margins
Quarterly statements · USD
| Fiscal year | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1.5 bn | 1.5 bn | 1.5 bn | 1.5 bn | 1.5 bn | 1.5 bn | 1.6 bn | 1.6 bn |
| Gross profit | 379.2 m | — | — | — | — | — | — | — |
| Operating income | 383.1 m | — | — | — | — | — | — | — |
| Interest expense | 31.4 m | 35.7 m | 35.0 m | 34.9 m | 36.1 m | 35.2 m | 34.0 m | 36.1 m |
| Pre-tax income | 377.0 m | 312.4 m | 316.1 m | 313.3 m | 477.1 m | 329.5 m | 334.1 m | 354.9 m |
| Income tax | 74.0 m | 57.2 m | 61.5 m | 60.6 m | 89.3 m | 63.4 m | 63.6 m | 67.1 m |
| Net income | 303.0 m | 255.2 m | 254.6 m | 252.7 m | 387.8 m | 266.1 m | 270.5 m | 287.7 m |
| Diluted EPS | 3.44 | 3.01 ≈ | 3.01 | 3.05 | 4.73 | 3.29 ≈ | 3.39 | 3.65 |
| Operating cash flow | 340.6 m ≈ | 336.9 m | 431.9 m | 307.9 m ≈ | 306.0 m ≈ | 350.6 m | 420.9 m | 314.1 m ≈ |
| Capex | 29.3 m ≈ | 15.0 m | 11.7 m | 12.9 m ≈ | 97.3 m ≈ | 20.5 m | 24.9 m | 16.5 m ≈ |
| Dividends paid | 21.6 m ≈ | 20.2 m | 20.1 m | 22.4 m ≈ | 21.9 m ≈ | 21.7 m | 21.4 m | 25.7 m ≈ |
| Share repurchases | 591.1 m ≈ | 51.7 m | 264.5 m | 250.3 m ≈ | 173.9 m ≈ | 192.3 m | 240.5 m | 274.7 m ≈ |
≈ derived quarter (cumulative difference / share-days average)
E/P over time
E/P = trailing-12-month diluted EPS / price at quarter end. E/P is the inverse of P/E and stays defined when earnings are negative.
Today's P/E sits at the 41 percentile of its own 39-quarter history (min 6.2, median 11.3, max 17.0; quarters with earnings only).
Fiscal years
| Fiscal year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 4.3 bn | 4.5 bn | 4.7 bn | 5.1 bn | 5.2 bn | 5.4 bn | 5.8 bn | 6.0 bn |
| Revenue YoY | +3.6% | +5.2% | +4.6% | +7.9% | +2.2% | +4.2% | +6.1% | +3.7% |
| Net income | 701.5 m | 760.8 m | 731.8 m | 1.0 bn | 894.4 m | 970.8 m | 1.1 bn | 1.2 bn |
| Net income YoY | −51.8% | +8.5% | −3.8% | +40.9% | −13.3% | +8.5% | +10.3% | +8.4% |
| Diluted EPS | 6.09 | 6.83 | 6.82 | 9.99 | 9.04 | 10.07 | 11.94 | 14.07 |
| Diluted EPS YoY | −50.2% | +12.2% | −0.1% | +46.5% | −9.5% | +11.4% | +18.6% | +17.8% |
| net % | 16.3% | 16.8% | 15.4% | 20.2% | 17.1% | 17.8% | 18.5% | 19.4% |
| Free cash flow | 1.2 bn | 1.3 bn | 1.4 bn | 1.4 bn | 1.4 bn | 1.4 bn | 1.3 bn | 1.3 bn |
Reported results vs expectations
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Balance sheet & financial health
Fiscal year 2025 · 31 Dec 2025
- Cash
- 144.7 m USD
- Financial debt
- 2.6 bn USD
- Net debt
- 2.5 bn USD
- Equity
- 6.0 bn USD
- Total assets
- 30.8 bn USD
- Debt / equity
- 0.44x
- Current ratio
- unavailable
- ROE
- 20.6%
- ROA
- 3.9%
- FCF margin
- 20.9%
Financial statements (source on every figure)
Revenue and net income (USD)
Income statement · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Pre-tax income | 896.7 m | 1.3 bn | 1.1 bn | 1.2 bn | 1.3 bn | 1.4 bn | SEC (XBRL)· 25 Feb 2026verified |
| Net income | 731.8 m | 1.0 bn | 894.4 m | 970.8 m | 1.1 bn | 1.2 bn | SEC (XBRL)· 25 Feb 2026verified |
| Diluted EPS | 6.82 | 9.99 | 9.04 | 10.07 | 11.94 | 14.07 | SEC (XBRL)· 25 Feb 2026verified |
| Dividend per share | 0.75 | 0.79 | 0.83 | 0.90 | 0.96 | 1.08 | SEC (XBRL)· 25 Feb 2026verified |
Balance sheet · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Cash | 94.8 m | 92.2 m | 92.6 m | 103.2 m | 165.3 m | 144.7 m | SEC (XBRL)· 25 Feb 2026verified |
| Loans | — | — | 181.3 m | 279.2 m | 396.1 m | 428.5 m | SEC (XBRL)· 25 Feb 2026verified |
| Total assets | 29.0 bn | 29.8 bn | 26.0 bn | 28.1 bn | 29.1 bn | 30.8 bn | SEC (XBRL)· 25 Feb 2026verified |
| Short-term debt | 254.9 m | 479.6 m | 449.1 m | 486.1 m | 415.4 m | 304.7 m | SEC (XBRL)· 25 Feb 2026verified |
| Long-term debt | 1.7 bn | 1.5 bn | 1.6 bn | 1.6 bn | 2.3 bn | 2.3 bn | SEC (XBRL)· 25 Feb 2026verified |
| Total liabilities | 20.3 bn | 21.1 bn | 22.0 bn | 23.6 bn | 23.8 bn | 24.8 bn | SEC (XBRL)· 25 Feb 2026verified |
| Equity | 8.8 bn † | 2.0 bn † | 3.9 bn † | 4.5 bn † | 5.3 bn † | 6.0 bn † | SEC (XBRL)· 25 Feb 2026verified |
† equity attributable to the parent's shareholders: in these years the issuer no longer reports the total including non-controlling interests.
Cash flow · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Dividends paid | 78.2 m | 80.0 m | 80.5 m | 84.1 m | 85.5 m | 86.1 m | SEC (XBRL)· 25 Feb 2026verified |
| Share repurchases | 443.9 m | 541.4 m | 454.6 m | 511.1 m | 1.0 bn | 881.0 m | SEC (XBRL)· 25 Feb 2026verified |
Computed indicators
Growth
Profitability
Returns
Market and valuation
Insurance
32 indicators that do not apply to the sector.
Valuation
olivLaw classification
Score: 60 / 100
A scoring methodology on indicators and valuation, not investment advice.
(margin_of_safety <= -0.25 & agreement in ['high', 'medium'])
Closing price
04 Nov 2026Source: olivLaw, closing series
Market cap: 12.4 bn USD
Key indicators
Coverage and freshness
Score by group
- Balance sheet100
- Valuation38
- Quality79
- Growth76
- Returns38
Estimated value range
The combined range = the median of the valid methods' low, central and high values; it is not a probability interval and does not cover every result. Envelope of all methods: 22.98 – 260.13 USD.
Methods computed but outside the aggregate range: Dividend discount (DDM) (a small share of earnings is paid as dividends (capital returns through buybacks): the dividend model does not describe the value and stays outside the aggregate).
Valuation assumptions are editorial choices, not measured; beta is not measured.
Method ranges (USD per share)
— — Mid · ▏ Price
Valuation methods
- Residual income100.83 – 105.61 (Mid 103.18)
- Justified P/B189.43 – 254.74 (Mid 217.28)
- Dividend discount (DDM)outside the aggregate14.19 – 19.09 (Mid 16.28)a small share of earnings is paid as dividends (capital returns through buybacks): the dividend model does not describe the value and stays outside the aggregate
- Peers: P/E52.85 – 260.13 (Mid 139.79)16 companies used · median multiple 9.3x · quartiles 3.5x – 17.3xAAME, ANG-PD, ATHS, BHF, CIA, CRBD, FG, GNW, JXN, LNC, MET, PFH, PRI, PUK, RGA, VOYA
- Peers: P/B22.98 – 106.39 (Mid 56.21)15 companies used · median multiple 0.7x · quartiles 0.3x – 1.3xAAME, ANG-PD, ATHS, BHF, CIA, CRBD, FG, GNW, JXN, LNC, MET, PFH, PUK, RGA, VOYA
Classification (SIC) comparables group by industry code, not by economic activity; the direct group is an editorial selection by activity. Members' multiples are on their own trailing twelve months, at their own latest close.
Assumptions (illustrative, editorial)
- Risk-free rate
- 4.3%
- Equity risk premium
- 5.0%
- Beta (default)
- 1.00
- Cost of equity
- 9.3%
- Terminal growth
- 2.5%
Factor scorecard
Unattractive profile · Score 60/100
| Factor | Value | Score | Weight used |
|---|---|---|---|
| ROE · Quality | 20.9% | 79 (vs peers) | 20% |
| Loss ratio · Quality | unavailable | unavailable | — |
| EPS CAGR 3Y · Growth | 15.9% | 100 (on a fixed band) | 11% |
| Revenue CAGR 3Y · Growth | 4.7% | 47 (on a fixed band) | 9% |
| ROA · Balance sheet | 4.0% | 100 (on a fixed band) | 9% |
| P/B · Valuation | 2.0x | 25 (vs peers) | 16% |
| P/E (TTM) · Valuation | 10.7x | 50 (vs peers) | 16% |
| Dividend yield · Returns | 0.7% | 0 (vs peers) | 11% |
| Payout ratio (EPS) · Returns | 8.0% | 100 (on a fixed band) | 7% |
Factors without a value were dropped; the remaining weights were renormalised.
Score groups
- Balance sheet100/100 · 1/1 factors with a value
- Growth76/100 · 2/2 factors with a value
- Quality· partial79/100 · 1/2 factors with a value
- Returns38/100 · 2/2 factors with a value
- Valuation38/100 · 2/2 factors with a value
A «partial» group is computed from under half of its weight or from one factor: it is not a full assessment of the group.
Memo
GLOBE LIFE INC. (GL). Latest full fiscal year: 2025; data up to 2026-06-30.
Figures computed from the financial statements: YoY growth 3.7%; net margin 19.6%; ROE 20.9%.
The estimated value range is 76.84–180.57 USD per share (median of 4 methods, agreement: medium); assumptions are illustrative. Against the central value of 121.48 USD, the price of 161.72 USD leaves a potential of -24.9% (value / price − 1) and a margin of safety of -33.1% (1 − price / value). The range is the median of the methods' low, central and high values, not a probability interval.
olivLaw score 60/100, methodological classification: unattractive profile (score, margin of safety and method agreement together; not a judgement of the right price). Groups assessed only in part: quality. Not investment advice.
Text generated deterministically from the figures shown; no language model. Not investment advice.
What supports the thesis
- ROE: 20.9%
- EPS CAGR 3Y: 15.9%
- ROA: 4.0%
- Payout ratio (EPS): 8.0%
What contradicts it
- P/B: 2.0x
- Dividend yield: 0.7%
Not assessed (insufficient data or a ratio without meaning): Loss ratio.
Versus the vertical median
Life Insurance (SIC 6311) · same industry (4-digit SIC) · compared with 19 companies
Multiples and returns vs the median
Price rebased to 100 (monthly, 5 years)
Companies in the vertical
| Market cap | P/E | ROE | Net margin | Revenue YoY | 1A / 3A | |
|---|---|---|---|---|---|---|
| PUKPrudential PLC | 67.2 bn | 17.2 | 21.2% | 34.6% | +7.0% | −10% / +20% |
| METMetLife, Inc. | 65.4 bn | 19.5 | 13.2% | 4.6% | +8.6% | +34% / +62% |
| RGAReinsurance Group Of America, Incorporated | 17.4 bn | 11.7 | 11.7% | 5.8% | +7.2% | +40% / +64% |
| GLGlobe Life Inc. | 12.4 bn | 10.7 | 20.9% | 19.6% | +3.7% | +21% / +38% |
| VOYAVoya Financial, Inc. | 9.5 bn | 17.5 | 13.1% | 7.4% | +1.7% | +49% / +46% |
| CRBDCorebridge Financial, Inc. | 9.3 bn | 4.6 | 21.7% | 10.6% | −1.2% | −11% / unavailable |
| JXNJackson Financial Inc. | 9.1 bn | 11.1 | 9.5% | 13.4% | +104.3% | +40% / +188% |
| PRIPrimerica, Inc. | 8.8 bn | 11.4 | 33.0% | 23.2% | +6.6% | +11% / +36% |
| LNCLincoln National Corp | 8.0 bn | 3.6 | 22.6% | 12.2% | −1.2% | +1% / +75% |
| PFHPrudential Financial Inc | 5.3 bn | 1.4 | 12.6% | 6.0% | −13.7% | −11% / −20% |
| GNWGenworth Financial, Inc. | 3.5 bn | 17.5 | 2.4% | 2.9% | +0.1% | +6% / +56% |
| FGF&G Annuities & Life, Inc. | 2.9 bn | 7.4 | 9.2% | 6.9% | −0.2% | −32% / −46% |
| BHFBrighthouse Financial, Inc. | 2.4 bn | 3.3 | 13.6% | 12.5% | +43.2% | −35% / −18% |
| CIACitizens, Inc. | 209.2 m | 18.0 | 5.0% | 4.5% | +4.3% | −31% / +25% |
| AAMEAtlantic American Corporation | 24.3 m | 4.3 | 5.2% | 2.9% | +11.9% | −51% / −39% |
| ATHSAthene Holding Ltd | 4.7 m | 0.0 | 4.5% | 2.9% | +24.1% | −8% / unavailable |
| ANG-PDAmerican National Group Inc. | 215.5 k | 0.0 | 8.4% | 12.6% | −0.4% | −15% / unavailable |
| MFCManulife Financial Corporation | — | — | 11.0% | 68.5% | +7.1% | +31% / +135% |
| SLFSun Life Financial Inc | — | — | 14.2% | 8.5% | +8.0% | +39% / +62% |
| AEGAegon Ltd. | — | — | 10.5% | — | +1.1% | +7% / +56% |
1- and 3-year price returns: for GL from daily closes (the same as the performance table), for the other companies from month-end closes.
olivLaw engine forecast
The world engine ran after the company's latest material disclosure. Probabilities are of TOUCHING a level within the horizon (not closing there) and sit next to the random walk (p_rw), the no-information benchmark.
The engine has no published run for this company yet.
Valuation scenarios (editable assumptions)
Illustrative scenarios
Illustrative: not forecasts and without probabilities. Each case is one coherent set of assumptions, computed on today's figures.
Estimated price (USD)
| Estimated price | Bear | Base | Bull |
|---|---|---|---|
| 1 years | 100.28 Total return -37% · Per year -37% | 177.28 Total return 10% · Per year 10% | 267.01 Total return 66% · Per year 66% |
| 3 years | 97.67 Total return -38% · Per year -15% | 194.23 Total return 23% · Per year 7% | 321.16 Total return 102% · Per year 26% |
| 5 years | 95.12 Total return -38% · Per year -9% | 212.81 Total return 36% · Per year 6% | 386.30 Total return 145% · Per year 20% |
- Exit P/E± 48.56
- Net margin± 33.99
- Annual revenue growth± 27.86
- Annual dilution± 2.86
AI analysis
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
Possibly outdated: the newest document it read is from 21 Oct 2026; since then the company filed 10-Q (04 Nov 2026).
In brief
Globe Life Inc. is an insurance holding company that sells mainly individual life and supplemental health insurance to lower middle-income and middle-income households across the United States, through exclusive, direct-to-consumer and independent channels 1. With total premium income of about 4.9 bn USD in 2025 1, the company reported a 7% rise in total premium revenue in the third quarter of 2026 3, while net operating income per share stayed roughly flat.
SWOT
Strengths
- Established position in the lower middle to middle-income segment, with over six decades of experience with essentially similar products 1.
- Cost structure with lower acquisition and administrative expenses, allowing competitive rates and higher underwriting margins 1.
- High return on equity, with net income per share rising in 2025 and in the 2026 quarters 13.
Weaknesses
Opportunities
- The underserved lower-income and middle-income market could offer room for growth in existing products 1.
- Growth in supplemental health and Medicare Supplement sales could offset pressure on investment income 12.
- The Bermuda reinsurance structure could improve capital efficiency if regulators continue to accept it 1.
Threats
Risks
- Agent classificationhigh
A court, the IRS or another authority could treat independent agents as employees, raising costs and legal obligations 1.
- Credit and market risk of investmentshigh
A portfolio concentrated in fixed income and less liquid alternatives could generate unrealised losses and reduce capital 1.
- Reliance on subsidiary dividendsmedium
The holding company depends on dividends from its insurance subsidiaries, and regulatory restrictions could limit those payments 1.
- FHLB fundingmedium
If collateral eligibility or FHLB rules change, the company could need other funding sources that may be harder to obtain 1.
- Third-party vendor operationsmedium
Errors or disruptions at third-party vendors or agents could affect revenues, costs and reputation 1.
Investment thesis
What would need to be true (bull case)
- If return on equity stays in the mid-teens and premium growth continues, the company could sustain rising earnings per share 13.
- A low-cost structure and a middle-income customer base could support high underwriting margins over the long term 1.
- Share repurchases made at a substantial total cost in 2025 and 2026 could support book value per share 12.
What would break the thesis
- If investment yields stay low, excess investment income could keep declining, as it did in 2025 1.
- Reclassification of agents as employees could significantly raise costs and change the distribution model 1.
- Remeasurement gains from assumption updates are non-recurring, so without them earnings growth could slow 13.
What to watch
- Trends in premium and net sales across the life and health segmentsQ4 2026
- Excess investment income and portfolio yieldsQ4 2026
- Developments in the litigation over independent agent classificationnext 10-K
- Results of the United American division, which posted an underwriting loss in the third quarter of 2026Q4 2026
Products, market & competition
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
Possibly outdated: the newest document it read is from 21 Oct 2026; since then the company filed 10-Q (04 Nov 2026).
The business
Globe Life Inc. is an insurance holding company incorporated in Delaware in 1979, whose primary 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 1. Its business centres on individual life insurance and supplemental health insurance with limited benefits, aimed at families with lower middle to middle incomes 1. The company says it competes through lower policy acquisition and administrative expenses than peers, which allows competitive rates and higher underwriting margins 1.
Distribution runs through several channels: direct-to-consumer sales by mail, electronic and insert media, and exclusive agency channels such as American Income, Liberty National and Family Heritage, whose agents are independent contractors selling only for Globe Life 1. The United American channel uses independent agents and focuses on Medicare supplemental coverage 1. Management measures profitability by underwriting margin for the insurance segments and by excess investment income for the investment segment 2.
In 2025 the company formed a second Bermuda company, Globe Life Re Ltd., after receiving its licence in late 2025 1. It took on roughly 1.2 bn USD of statutory life reserves ceded from three US subsidiaries, a structure that could change capital efficiency if Bermuda rules change 1.
Segments
Life insurance
The life segment is the largest contributor to earnings and accounted for 69% of total premium in 2025 1. Its underwriting margin rose 12% in 2025, mainly on higher premiums and a remeasurement gain 1. In the first half of 2026 the life underwriting margin increased 5% 2.
Supplemental health insurance
The health segment includes mainly Medicare Supplement and limited-benefit products, and its premium grew 9% in 2025 1. In the third quarter of 2026 the health underwriting margin rose 7%, supported by Family Heritage, while United American recorded an underwriting loss in the same quarter 3.
Market context
The company defines its market as lower middle to middle-income households in the United States, which it describes as underserved with significant growth potential 1. It has served this market for over 60 years with essentially the same products, which it says gives it a data and experience advantage 1. Annualized premium in force for life alone stood at about 3.4 bn USD at the end of 2025 1.
Competition comes from other life and health insurance carriers, health maintenance organisations, preferred provider organisations and other healthcare institutions 1. No single company dominates the company's life or health markets, and its main declared edge is operating efficiency 1.
Trends
- Growth in Medicare Supplement salestailwind
Sales of Medicare Supplement products rose strongly in 2025 and in 2026, with Family Heritage and United American contributing 12. If this pace holds, it could support premium volume in the health segment.
- Lower investment returnsheadwind
Excess investment income declined in 2025 because of lower average earned yields on commercial mortgage loans and limited partnerships 1. If the interest rate environment stays low, pressure on this income could continue.
- Remeasurement gains from assumption updatesmixed
Gains from the annual review of mortality, lapse and morbidity assumptions supported results in 2025 and in the third quarter of 2026 13. They are non-recurring and can vary from year to year.
- Regulation and agent classificationheadwind
The company notes that an EEOC determination could lead to agents being classified as employees, which could raise operating costs if courts adopt that view 1. Regulatory changes in the states and in Bermuda are also a watch point 1.
Competitive position
Globe Life competes with other life and health insurance carriers on policyholder service, price, product design and sales efforts 1. The company argues it can compete because its policy acquisition and administrative expense levels are lower than peers', which supports higher underwriting margins 1.
The analysed sources do not name competitors with US tickers, so direct comparisons of market share or profitability cannot be established from them. A comparative analysis would need additional sources identifying US-listed peers 1.
- Other life and health insurance carriers
Direct competitors in individual life and supplemental health, not named in the source 1.
- Health maintenance organisations (HMOs)
Compete with supplemental health products by providing contract-based medical benefits 1.
- Preferred provider organisations (PPOs)
Compete in the medical benefits and supplemental coverage space, as described by the company 1.
- Other healthcare-related institutions
Provide medical benefits under contractual agreements and compete with the company's health products 1.
Links, dependencies and risks
Who the company is tied to, from its own SEC filings (customers, suppliers, production, partners, competitors, countries, regulation), from the 5 %+ holders' statements (13D/13G) and from what other companies say about it. Click a node for its evidence; on a listed company the graph moves to it.
Loading the links…
News & filings
In the press
No news in our archive over the last 180 days.
SEC filings
- Quarterly report04 Nov 2026
- Current report21 Oct 2026Results of operations · Financial statements and exhibits
- Current report07 Aug 2026Departure or appointment of officers
- Quarterly report05 Aug 2026
- Current report22 Jul 2026Results of operations · Financial statements and exhibits
- Current report29 Jun 2026Material agreement · Financial statements and exhibits
- Quarterly report07 May 2026
- Current report04 May 2026Departure or appointment of officers · Shareholder vote
- Current report22 Apr 2026Results of operations · Financial statements and exhibits
- Proxy statement19 Mar 2026
Sources
- [1] Form 10-K, fiscal year ended 2025-12-31 · SEC / Globe Life Inc. · 25 Feb 2026
- [2] Form 10-Q, quarter ended 2026-06-30 · SEC / Globe Life Inc. · 05 Aug 2026
- [3] Form 8-K, results release (exhibit 99.1) · SEC / Globe Life Inc. · 21 Oct 2026
Figures computed by olivLaw from SEC filings and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.