Globe Life

Globe Life's roots are in mid-century direct-to-consumer life insurance. The Globe Life and Accident Insurance Company history describes a 1951 start, built on the idea of marketing inexpensive, dependable protection to everyday Americans, including customers in smaller communities. [1] That early focus on simplified products and mass-market distribution became a durable niche as the industry moved through decades of changing interest rates and evolving consumer expectations.

The broader organization was assembled through a holding-company model. Globe Life's corporate timeline notes that Liberty National Holding (later Torchmark) was formed in 1979, acquired Globe Life and Accident Insurance Company in 1980, and later acquired additional life and health operations. [2] A long-running branding shift culminated in 2019, when Torchmark Corporation officially changed its name to Globe Life Inc. and updated its NYSE ticker. [3]

In securities filings, Globe Life Inc. describes itself as an insurance holding company incorporated in 1979 with primary subsidiaries that include Globe Life And Accident Insurance Company, American Income Life, Liberty National, Family Heritage, and United American. [4] Over time, the group built multiple go-to-market strategies-direct response, in-home agents, and worksite sales-aimed at steady premium growth and tight expense control. [2][4] Those choices helped the company navigate periods such as the post-2008 low-rate environment and later rate increases, when product pricing and persistency can change quickly in the middle-market segment.

Sources: [1] https://www.globelifeinsurance.com/globe_history [2] https://home.globelifeinsurance.com/about [3] https://home.globelifeinsurance.com/press-releases/2019/august-2019/torchmark-corporation-has-officially-been-renamed [4] https://www.sec.gov/Archives/edgar/data/320335/000032033520000008/gl-20191231.htm