GL
Financial ServicesGlobe Life Inc. · Insurance - Life · $12B
What is Globe Life Inc.?
Globe Life Inc. is a McKinney, Texas-based insurer focused on life and supplemental health coverage for lower-middle to middle-income American households.
Globe Life sells whole life, term life, Medicare supplement, and supplemental health insurance products alongside annuities — primarily through direct-to-consumer and group distribution channels. Revenue flows from premiums collected across its Life Insurance, Supplemental Health Insurance, and Annuities segments, supported by an investment portfolio.
The company was incorporated in 1980 and is headquartered in McKinney, Texas.
- Whole and term life insurance
- Medicare supplement and supplemental health plans
- Critical illness and accident coverage
- Deferred annuity products
Is GL a Good Stock to Buy?
UQS Score rates GL as Good overall.
Globe Life's strongest attributes are its Quality and Risk pillars, reflecting a disciplined underwriting approach and a relatively stable financial profile for a life insurer. Valuation is rated Attractive, suggesting the market may not be fully pricing in the company's fundamentals.
Growth is the weakest pillar, pointing to limited near-term expansion momentum, while Moat is Neutral — competition in the mass-market insurance space remains meaningful.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does GL pay dividends?
Yes — Globe Life Inc. pays a dividend.
Globe Life pays a regular dividend, consistent with its position as an established insurer generating steady premium income. The dividend reflects the company's focus on returning capital to shareholders while maintaining financial discipline across its insurance and investment operations.
When does GL report earnings?
Globe Life reports earnings on a quarterly cadence, typical for US-listed financial services companies.
The company's results are driven by premium growth across its insurance segments and investment income. Underwriting discipline and expense management are key factors investors watch each quarter.
For the most recent quarter's results, visit Globe Life's investor relations page directly.
GL Price History
+49.3% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Globe Life Inc.?
Based on Globe Life Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does Globe Life do?
Globe Life sells life insurance, supplemental health insurance, and annuities to lower-middle and middle-income households across the United States. It operates through four segments: Life Insurance, Supplemental Health Insurance, Annuities, and Investments.
Does GL pay dividends?
Yes, Globe Life pays a regular dividend. As a mature insurer with steady premium income, the company has maintained a consistent capital-return policy. Check Globe Life's investor relations page for the current dividend schedule.
When does GL report earnings?
Globe Life reports on a quarterly cadence, in line with standard US-listed company practice. For exact dates, refer to the company's investor relations page rather than relying on third-party estimates.
Is GL a good stock to buy?
UQS Score rates GL as Good, with Strong marks for Quality and Risk and an Attractive Valuation rating. Growth is the weakest pillar. Whether GL fits your portfolio depends on your own goals — the full pillar breakdown is available to Pro members.
Is GL overvalued?
GL's Valuation pillar is rated Attractive, suggesting the stock may be trading at a reasonable level relative to its fundamentals. Pro members can view the detailed valuation metrics behind this rating.
How does GL compare to its competitors?
Globe Life operates in the mass-market life and health insurance space alongside peers such as Unum Group (UNM) and Primerica (PRI). GL's differentiation lies in its direct-to-consumer distribution model targeting middle-income households.
What is GL's market cap bracket?
Globe Life is classified as a large-cap company, reflecting its established scale within the US life and supplemental health insurance market.
Is GL a long-term quality investment?
From a quality standpoint, GL scores Strong on both the Quality and Risk pillars — factors that matter for long-term durability. However, the Weak Growth pillar signals limited expansion momentum. The full long-term picture is available in the Pro analysis.
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Pro Analysis
GL — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 62.6 | 84.9 | 42.0 | 36.7 | 61.2 | 95.4 | +0.1 |
| May 15, 2026 | 62.5 | 84.9 | 42.0 | 36.7 | 61.2 | 95.1 | -4.1 |
| May 1, 2026 | 66.6 | 84.9 | 42.0 | 36.7 | 88.8 | 94.4 | 0.0 |
| Apr 26, 2026 | 66.6 | 84.9 | 42.0 | 36.9 | 88.8 | 94.4 | 0.0 |
| Apr 25, 2026 | 66.6 | 84.9 | 42.0 | 36.8 | 88.8 | 94.4 | +2.1 |
| Apr 24, 2026 | 64.5 | 81.2 | 42.0 | 36.7 | 83.7 | 92.4 | 0.0 |
| Apr 23, 2026 | 64.5 | 81.2 | 42.0 | 36.5 | 83.7 | 92.4 | -1.8 |
| Apr 18, 2026 | 66.3 | 84.6 | 42.0 | 35.6 | 88.0 | 95.3 | -0.6 |
| Apr 14, 2026 | 66.9 | 84.6 | 42.0 | 35.6 | 88.0 | 99.8 | 0.0 |
| Apr 2, 2026 | 67.0 | 84.6 | 42.0 | 35.6 | 88.0 | 100.0 | — |
GL — Pillar Breakdown
Quality
— 84.9/100 (25%)Globe Life Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 36.9/100 (20%)Globe Life Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 61.2/100 (15%)Globe Life Inc. maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 95.4/100 (15%)Globe Life Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 42/100 (25%)Globe Life Inc. possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for GL.
Score Composition
Financial Data
More Stock Analysis
How is the GL UQS Score Calculated?
The UQS (Unified Quality Score) for Globe Life Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Globe Life Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Globe Life Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.