Does Globe Life Deny Claims? Here’s What You Need to Know

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    Many people purchase life insurance policies to provide financial protection for their loved ones in the event of their death. However, when it comes time to file a claim, some policyholders may find that their insurance company denies their claim. According to Globe’s customer reviews, Globe Life is an insurance company that has faced scrutiny over its claims-handling practices.

    Globe Life, also known as Globe Life and Accident Insurance Company, is a subsidiary of Torchmark Corporation. The company offers a range of life insurance products, including term life and whole life insurance. While Globe Life has a strong financial rating and a long history in the insurance industry, some policyholders have raised concerns about the company’s claims-handling practices.

    So, does Globe Life deny claims? While the company has not been found to engage in any illegal or fraudulent practices, some policyholders have reported difficulties in getting their claims approved. In this article, we will explore some of the reasons why Globe Life may deny claims and what policyholders can do if they believe their claim has been unfairly denied.

    Claims Process

    Globe Life Insurance provides a simple and straightforward claims process to help you get the benefits you are entitled to. Here are the steps you need to follow when filing a claim with Globe Life Insurance:

    How to file a claim with Globe Life Insurance?

    When you need to file a claim with Globe Life Insurance, there are several ways to do so:

    • You can call Globe Life Insurance’s customer service at 1-800-654-5433 and speak to a representative who can help you with the claims process.
    • You can also file a claim online by visiting Globe Life Insurance’s website and filling out the necessary forms.
    • Alternatively, you can download and print the claims form from Globe Life Insurance’s website and mail it to the company.

    What happens after filing a claim with Globe Life Insurance?

    After you file a claim with Globe Life Insurance, the company will begin the process of reviewing your claim. This may involve requesting additional information or documentation from you, such as medical records or death certificates.

    Once Globe Life Insurance has received all the necessary information, the company will make a decision on your claim and notify you of the outcome. If your claim is approved, you will receive your benefits.

    How long does it take for Globe Life Insurance to process a claim?

    The time it takes for Globe Life Insurance to process a claim can vary depending on the complexity of the claim and the amount of information and documentation required. In general, Globe Life Insurance aims to process claims as quickly as possible, with most claims being processed within 30 days.

    If you have any questions or concerns about the claims process with Globe Life Insurance, you can contact the company’s customer service department for assistance.

    Globe Life Insurance Claim Denials

    When it comes to life insurance, it’s important to choose a company that you can trust. Unfortunately, some insurance companies may deny claims, leaving their policyholders and beneficiaries in a difficult situation. Globe Life Insurance is no exception to this, with many policyholders experiencing claim denials.

    What are the reasons for Globe Life Insurance to deny a claim?

    There are several reasons why Globe Life Insurance may deny a claim, including:

    • Failure to disclose important information on the application
    • Policy exclusions
    • Lapse in policy payments
    • Discrepancies in medical records
    • Death occurring during the contestability period

    It’s important to carefully review your policy and make sure you understand any exclusions or requirements. Failure to disclose important information on your application can also lead to claim denial.

    What to do if your Globe Life Insurance claim is denied?

    If your claim is denied, the first step is to carefully review the denial letter and make sure you understand the reason for the denial. You can also contact Globe Life Insurance to ask for more information or clarification.

    If you believe that the claim was wrongfully denied, you can file an appeal with Globe Life Insurance. It’s important to provide any additional information or documentation that supports your claim.

    How to appeal a Globe Life Insurance claim denial?

    If you decide to appeal a claim denial, there are several steps you can take:

    1. Review your policy and make sure you understand the terms and exclusions.
    2. Gather any additional information or documentation that supports your claim.
    3. Submit a written appeal to Globe Life Insurance.
    4. Follow up with Globe Life Insurance to make sure your appeal is being reviewed.

    It’s important to stay organized and keep track of all communication and documentation related to your claim and appeal.

    Overall, it’s important to carefully review your policy and make sure you understand any exclusions or requirements. If your claim is denied, don’t give up hope. You have the right to appeal the decision and provide additional information or documentation to support your claim.


    Based on the investigation by the regulator, Globe Life was found to have improperly closed claims when policyholders died within the two-year contestable periods without proving in court actions that there were misrepresentations by the policyholders on the applications for insurance. Moreover, Globe Life might deny a claim for a trivial reason, such as a misspelled name or getting one digit wrong on a social security number or address on the application.

    However, it is important to note that not all claims are denied by Globe Life. Many policyholders have had positive experiences with the company and have had their claims paid out in a timely manner. Additionally, Globe Life offers a variety of insurance products, including whole life and final expense insurance, and has a straightforward Globe Life application process.

    Ultimately, whether or not to choose Globe Life as an insurance provider is a decision that each individual must make based on their own research and needs. It is always recommended to carefully read and understand the terms and conditions of any insurance policy before purchasing it.

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