Better Health for All

Globe Life's core business, specializing in life and supplemental health insurance, provides financial protection and aims to alleviate out-of-pocket medical expenses, enhancing healthcare access and affordability.

The company acquired Evry Health, a health insurance provider offering no copays or deductibles for in-network services to mid-size employers and customers. Globe Life has no reported revenue from products with negative health outcomes. The company focuses on providing affordable life insurance to middle-income Americans and donated over $4.1 million in 2023 to community needs, including health, partnering with 172 nonprofits. It also provided $335 thousand in scholarships to underprivileged children in 2019. Globe Life renewed its endowment to UT Southwestern Medical Center with a $300,000 pledge in March 2023 to support family medicine initiatives and medical education. The company has a Privacy program, an Online Privacy Policy, sends printed Privacy Notices to customers, complies with the California Consumer Privacy Act, and provides annual Information Security training to all employees. In response to the COVID-19 pandemic, it matched employee donations to Feeding America and UT Southwestern, with executive management also donating, and moved 85% of employees to work-from-home. The company reduced greenhouse gas emissions per employee by 5.5% in 2019 and diverted 32% of waste from landfills in 2019, while reporting 6,780 metric tons CO2e for Scope 1 & 2 emissions in 2024.

Fair Pay & Worker Respect

The company's insurance product is produced entirely by union labor, and workers throughout the company benefit from collective bargaining.

Globe Life's CEO-to-median employee pay ratio is 118:1. However, employee satisfaction is low, with an overall employee rating of 2.7 out of 5 stars (54/100) and only 37% of employees recommending the company to a friend. The EEOC found that Globe Life fostered a hostile work environment for women at the Arias Organization, including sexual harassment incidents. Multiple incidents of racism, including racial slurs and racist memes, have been reported at Globe Life affiliates, with some complaints allegedly ignored by management. Allegations of fraudulent practices at American Income Life, a subsidiary, led to a DOJ investigation and a securities class action lawsuit. Employee reviews indicate low pay compared to industry averages and limited benefits for part-time employees, although the company offers health, dental, vision insurance, and retirement plans.

Fair Trade & Ethical Sourcing

Globe Life Inc. is a financial services company, and as such, several metrics related to physical commodity sourcing, such as fair-trade certification, supply chain traceability, and high-risk material spend, are not applicable to its operations. The company also does not have a supplier base requiring welfare or sourcing audits in the context of physical goods production. While Globe Life prohibits child and forced labor

and expects its suppliers to adhere to a Third-Party Code of Conduct with similar standards , no data on substantiated forced or child labor incidents in the last three years was provided . The company states it will investigate and take remedial action for policy violations , but no median days to close corrective action plans were specified . Furthermore, while a Third-Party Code of Conduct exists for suppliers , a specific percentage of supplier contracts including enforceable ethical-sourcing clauses was not detailed . Globe Life has established a Supplier Diversity Program , but the percentage of its procurement budget directed to diverse suppliers was not disclosed .

Honest & Fair Business

Globe Life states it provides channels for confidential employee reporting to prevent retaliation.

However, a former executive filed a whistleblower lawsuit in August 2024, alleging retaliation and termination after reporting unethical sales practices, which suggests a lack of effective safe-harbor guarantees. The company also faces fraud allegations, including issuing policies for fictitious individuals and unauthorized withdrawals. The U.S. Department of Justice initiated a probe in March 2024 into its subsidiary, American Income Life, focusing on sales tactics and possible ethical breaches, following allegations of fraudulent activities and a potential $43 million bribery scheme. An independent investigation by Globe Life's Audit Committee and external experts in July 2024 cleared the company of allegations related to financial misconduct. Over three years, the Better Business Bureau recorded 239 complaints against Globe Life concerning product issues, billing, and customer service.

Kind to Animals

There is no available information or data indicating Globe Life Inc.'s involvement in animal welfare activities, ethical farming, or wildlife protection initiatives.

The company operates in the life and health insurance industry and appears to maintain a neutral stance on animal welfare issues. , with no specific actions or policies related to the ethical value 'Kind to Animals' evidenced.

No War, No Weapons

Globe Life Inc. operates in the life insurance sector, which inherently avoids engagement in warfare or military activities.

The company's core operations revolve around insurance products, with no evidence of involvement in military contracts or defense manufacturing, and therefore no defense assets to divest. The company does not have a direct or explicit role in peace advocacy or conflict resolution initiatives. Donations include $2 million pledged to the National Medal of Honor Museum Foundation in February 2025 , over $100,000 to Operation Gratitude over five years (including nearly $30,000 in 2023) supporting military and first responders, and $106,015 raised for disaster relief efforts in May 2024. These contributions are not categorized as peacebuilding or disarmament initiatives.

Planet-Friendly Business

Globe Life has established an ESG Committee to oversee climate risk management and set sustainability policies.

The company integrates climate-related financial disclosures into its strategy. and aligns its ESG disclosures with SASB standards and TCFD recommendations. Environmental initiatives include recycling 1,326 metric tons of waste, achieving an 83.8% diversion rate, and efforts to reduce paper and water usage. The company has also implemented various green building initiatives. Globe Life reported its Scope 1 emissions at 1,553 metric tons CO2 equivalent, Scope 2 at 5,392 metric tons, and Scope 3 at 41,783 metric tons.

Safe & Smart Tech

A major data breach, initially detected in June 2024, affected an estimated 850,000 to 855,000 individuals.

, The compromised data included names, addresses, phone numbers, policy information, health-related information, and potentially Social Security numbers. , This incident involved a cyber-extortion attempt where hackers demanded payment not to release stolen information and shared some data with short sellers and plaintiffs’ attorneys. , The company discovered the breach during a review of vulnerabilities and also reviewed potential vulnerabilities after an inquiry from a state insurance regulator. , Globe Life reported the incident to federal authorities and the SEC. , However, multiple class-action lawsuits were filed alleging negligence, delayed notifications, and violations of federal securities laws. The company states a commitment to adhering to applicable laws and regulations, and its human rights policy is guided by internationally-recognized principles, including the UN Guiding Principles on Business and Human Rights and the UN Universal Declaration of Human Rights. AI is integrated into operations for claims processing, fraud detection, and predictive health monitoring. ,

Zero Waste & Sustainable Products

In 2023, Globe Life Inc. reported a waste diversion rate of approximately 83.8%, with 1,326 metric tons recycled out of a total of 1,582 metric tons generated.

The company has implemented green building initiatives at its corporate facilities, emphasizing recycling, waste reduction, and reducing paper and water usage.