Globe Life Insurance
Direct-to-consumer life and final expense insurance with simplified underwriting, available by mail or online for seniors aged 50–85.
Key Features
- No medical exam
- Ages 50–85 eligible
- Coverage $5K–$100K
- First month $1
- Locked-in premiums
Why seniors love it
Seniors who want a simple, affordable policy to cover funeral costs without a medical exam.
Worth knowing
Coverage amounts are lower than term life; premiums can be higher per dollar of coverage than term policies.
Our Take
Globe Life has insured American families since 1951. Their direct-mail and online model cuts out agents entirely, keeping premiums low. Seniors aged 50–85 can apply for final expense whole life coverage ($5,000–$100,000) with no medical exam.
Approval is based on health questions rather than a physical. The first month is $1, making it easy to start a policy and review the terms before committing.
Frequently Asked Questions
You answer health questions instead of having a physical exam. Approval is faster but some conditions may be excluded.
Globe Life offers level premiums — they do not increase with age after the policy is issued.
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Browse Life & Final Expense InsuranceInformation last verified: 2025-01-01.