Complaint Score
25.2 of 100
Normalized by premium volume across 50 states
Below avg
NAIC MCAS 2024 Grade D 50 states
Globe Life
Globe Life: 2,341 justified complaints across 50 states (NAIC MCAS 2024). Reputation grade D.
Part of Globe Life
NAIC Code: 91472
Reputation grade D (composite score 25.2) — A=Excellent, F=Failing. Based on NAIC complaint ratios and CMS denial data.
Below average — elevated complaints
What This Grade Means for You
Globe Life has an elevated complaint record compared to its peers. The complaint ratio — which adjusts for company size — is above average, suggesting that policyholders encounter more issues than at competing insurers. Consumers considering Globe Life should review complaint details for their state and line of coverage before purchasing.
Globe Life's composite score of 25.2 is derived from complaint ratios and operational data across 50 states. Scores below 30 reflect strong consumer satisfaction metrics.
Data note: This data reflects complaints filed with state insurance departments and regulatory filings.
A high complaint ratio does not necessarily indicate illegal behavior. Large insurers receive more complaints by volume;
complaint ratios normalize by premium size. Always verify coverage decisions with your insurer or a licensed agent.
This page is informational and does not constitute financial, legal, or insurance advice.
Globe Life appears in PlainInsurer's regulatory database with 2,341 justified complaints on file across 50 states under NAIC code 91472, operating as part of Globe Life. The company's composite score of 25.2 translates to a reputation grade of D — this score combines NAIC complaint ratios, available CMS claim denial data, and Medicare Advantage prior authorization metrics where applicable. Lower composite scores indicate fewer consumer problems relative to company size; higher scores indicate more.
Looking at business mix, Globe Life reports activity in 1 line of business (Life Insurance). Its complaint score of 25.2 — normalized by premium volume — is what regulators and consumer-protection groups use to compare insurers fairly across different company sizes.
For consumers evaluating Globe Life, the practical implication is this: complaint ratio and denial data give a comparative view of how this insurer treats policyholders relative to peers, but they cannot predict your individual claim experience. The current D grade signals above-average consumer friction at Globe Life — review the state-by-state breakdown below and compare against peer insurers before committing to a policy. This page is not financial, legal, or insurance advice — verify all coverage terms with a licensed agent and consult your state's Department of Insurance for dispute or complaint procedures.
Total Complaints
2,341
50 states
Complaint Score 25.20 +2420% vs. avg
Composite Score
25.2
Higher = more complaints
Claim Denial Score
N/A of 100
Not yet available for this insurer
States Active
50 states
NAIC Code: 91472
Consumer Risk Level 25.2%
National median
Composite score of 25.2 — lower is better
Complaint Data by Line of Business
| Line | Complaints | Avg Complaint Ratio | States Active |
|---|---|---|---|
| Life Insurance | 2,341 | 1.87 +87% vs. avg
| 50 |
Top states by complaint volume
Top 5 states — Globe Life consumer complaints
Source: NAIC Consumer Information Source (CIS) + CMS Medicare Advantage Star Ratings Insurer complaint counts and ratios for Globe Life across all reported lines of business and states · 2023 NAIC CIS aggregates state-DOI consumer complaints; complaint ratios normalize against premium volume so absolute counts and ratios can diverge. Reputation grade derived from PlainInsurer methodology applied to NAIC data.
State Presence (50 states)
AL 47 complaints AK 47 complaints AZ 47 complaints AR 47 complaints CA 47 complaints CO 47 complaints CT 47 complaints DE 47 complaints FL 47 complaints GA 47 complaints HI 47 complaints ID 47 complaints IL 47 complaints IN 47 complaints IA 47 complaints KS 47 complaints KY 47 complaints LA 47 complaints ME 47 complaints MD 47 complaints MA 47 complaints MI 47 complaints MN 47 complaints MS 47 complaints MO 47 complaints MT 47 complaints NE 47 complaints NV 47 complaints NH 47 complaints NJ 47 complaints NM 47 complaints NY 47 complaints NC 47 complaints ND 47 complaints OH 47 complaints OK 47 complaints OR 47 complaints PA 47 complaints RI 47 complaints SC 47 complaints SD 47 complaints TN 47 complaints TX 47 complaints UT 47 complaints VT 47 complaints VA 47 complaints WA 47 complaints WV 47 complaints WI 47 complaints WY 47 complaints
Understanding Your Rights
If you have a dispute with Globe Life or any insurer, you have the right to file a complaint with your state's insurance commissioner. State regulators investigate consumer complaints, mediate disputes, and can take enforcement action against companies that violate insurance laws.
The NAIC's complaint filing page provides direct links to every state insurance department. Complaints can typically be filed online and are tracked as part of the public record that informs the complaint ratios shown on this page.
The data presented here covers all lines of business — auto, home, health, and life insurance. Complaint ratios are normalized by premium volume so that larger companies are not penalized simply for writing more policies.
Frequently Asked Questions
What does Globe Life's D grade mean?
Globe Life received a grade of D, which means "Below average — elevated complaints." This grade is calculated from the company's NAIC complaint ratio (normalized by premium volume), CMS claim denial rates where available, and Medicare Advantage prior authorization data. Consumers may want to compare this insurer against higher-graded alternatives in their state.
How many complaints does Globe Life have?
Globe Life has 2,341 total complaints on record across 50 states, based on NAIC Market Conduct Annual Statement (MCAS) data. The raw complaint count alone does not tell the full story — larger insurers naturally receive more complaints. PlainInsurer uses complaint ratios (complaints per premium dollar) to compare companies fairly.
How do I file a complaint against Globe Life?
To file a complaint against Globe Life, contact your state's Department of Insurance. Every state has an insurance commissioner's office that accepts consumer complaints — you can typically file online, by phone, or by mail. The National Association of Insurance Commissioners (NAIC) also provides a central complaint portal at naic.org. Document your policy number, claim number, dates of communication, and the specific issue before filing. Your state regulator can investigate and mediate disputes between you and Globe Life.
Is Globe Life a good insurance company?
Whether Globe Life is a good choice depends on your coverage needs, state, and budget. PlainInsurer gives Globe Life a D grade based on complaint ratios and denial data. The below-average composite score suggests fewer consumer issues than typical insurers. Always compare quotes from multiple carriers and check complaint data for your specific state and line of coverage.
What types of insurance does Globe Life offer?
Based on NAIC filing data, Globe Life operates in 1 line of business: Life Insurance. Coverage availability varies by state — Globe Life is licensed in 50 states. Check directly with Globe Life or your state's Department of Insurance for specific policy options in your area.
How does Globe Life compare to other insurers?
Globe Life's complaint data can be compared against other insurers using PlainInsurer's complaint ratio rankings. With a D grade, Globe Life ranks below the industry average for consumer complaints. To compare specific lines of coverage, visit the line-of-business rankings. For state-level comparisons, check the state pages where Globe Life operates.
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Compare Globe Life Against Another Insurer
See a side-by-side complaint ratio and denial rate comparison.
Data: NAIC MCAS 2024 industry scorecards · CMS Transparency in Coverage PUF PY2025 · CMS Medicare Advantage analysis (CMS OIG OEI-09-22-00380, KFF 2023).
Not affiliated with NAIC or CMS.
Read our methodology — how this data is sourced, computed, and verified.
All federal data sources used on this page
- U.S. Census Bureau ACS — demographic + housing + income data. census.gov/programs-surveys/acs
- BLS Occupational Employment and Wage Statistics (OEWS) — wage + employment by occupation. bls.gov/oes
- BEA Regional Economic Accounts — GDP + personal income by state/metro. bea.gov/data/regional
- U.S. Census Bureau County Business Patterns — establishment + employment by industry. census.gov/cbp
- IRS Statistics of Income (SOI) — tax-return aggregate data. irs.gov/statistics
- data.gov — U.S. federal open-data portal — discovery layer for additional federal sources. data.gov
Related to Globe Life
Primary data: NAIC Market Conduct Annual Statement (MCAS) 2024. Medicare Advantage figures: CMS Office of Inspector General audit OEI-09-22-00380 and KFF 2023 Medicare Advantage analysis. Methodology and computation by PlainInsurer Editorial — see methodology.