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Globe Life Insurance Rates Chart By Age [2022 Update]

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    We’ll cut to the chase.

    Globe Life has a top-notch marketing team and a user-friendly application process, but their policies aren’t everything they seem to be.

    • For one, your rates increase every five years, often by 50%-100% each time
    • Second, their policies are not whole life insurance

    Let’s see what that looks like in more detail.

    Globe Life Insurance Rates Chart (By Age & Gender)

    Here are Globe Life’s rates, straight from the horses mouth.  There’s a lot to unpack here, especially the information found in the footnote below the second table.

    Globe Life Insurance Rates Charts (Men and Women)

    Globe Life’s rate chart reveals three crucial things about their policies, which we’ll go through in the upcoming sections:

    1. “Premiums increase as you enter each new five-year age period”
    2. Ages 81-89 not available for issue; rates are for renewals only”
    3. “Ages 60-89: $75,000 and $100,000 not available for issue: renewals only”

    Rate Chart Revelation #1: Your Globe Life Insurance Rate Increases Every Five Years

    Take a look at the images below.  These are all screenshots from Globe Life’s home page for its life insurance product (

    There’s hardly a mention of the actual rates they charge, and the one mention that is there is highly misleading.

    From your initial rate check through the completion of your application, Globe Life does not tell you once that your rates will increase every five years.

    And, as we’ll see below, these increases are not small either.

    How Much Do Your Rates Increase With Globe Life?

    The two tables below show how much Globe Life’s rates CHANGE  as you cross from one age bracket to another.

    Table: Monthly Rate INCREASES For Women

    51-55$1 $2 $3 $5 $9 $13 $17
    56-60$2 $4 $8 $12 $20 $30 $40
    61-65$2 $5 $10 $15 $26 $39 $52
    66-70$3 $7 $13 $20 $33 $49 $65
    71-75$5 $10 $20 $31 $51 $77 $103
    76-80$8 $16 $33 $49 $83 $125 $166
    81-85$12 $23 $46 $69 $115 $173 $230
    86-89$15 $31 $71 $95 $159 $239 $319

    Table: Monthly Rate INCREASES For Men

    51-55$1 $2 $4 $7 $11 $17 $22
    56-60$3 $5 $10 $16 $26 $39 $52
    61-65$4 $7 $15 $22 $37 $55 $74
    66-70$4 $8 $16 $23 $38 $58 $77
    71-75$7 $14 $28 $42 $70 $106 $141
    76-80$15 $30 $61 $91 $152 $227 $303
    81-85$16 $33 $66 $99 $165 $247 $329
    86-89$24 $50 $101 $152 $254 $381 $509

    Example: 65-Year-Old Male

    Per Globe’s life insurance rate chart for males, we can see that a 65-year-old would see a rate of $30.84 for $10,000 of coverage.

    Globe Life Insurance Rates for a 65-year-old male

    On the surface, that looks like a much better deal than the $56 per month rate he would see from a traditional insurance company like Aetna or Mutual of Omaha.

    But here’s the reality:

    • After just 5 years, his Globe rate will be higher than his (flat) Aetna rate
    • After 10 years, his Globe rate will be $79/month
    • After 20 years… $161/month

    In total, he will pay $8,966 more with Globe Life (vs. Aetna) by the time his Globe Life policy expires.

    People typically don’t learn of this until years later, when their rate has become unaffordable.

    They are in a no-win situation, at that point.  Their other options for coverage are limited (at best) at this point, given their health and older age.  But then again, they can’t pay for something with money they don’t have.

    So they have no choice but to cancel their policy.  And their loved ones may have no choice but to put thousands on a credit card.

    Meanwhile, Globe walks away with years of their hard-earned dollars and doesn’t even have to pay them a cent of cash value in return.

    Rate Chart Revelation #2: Your Policy Expires

    The second important factor that Globe Life’s life insurance rate chart reveals is that their policies expire.

    Globe Life Rate Chart Revelation 2

    If you buy a $10,000 policy at age 65, you will pay $25,715 to Globe by your 90th birthday.  If you pass a day later, you get nothing.

    Rate Chart Revelation #3: Your Coverage Options With Globe Life

    The final factor that Globe Life’s rate chart reveals is the amount of coverage you can get with Globe Life.

    Globe Life offers coverage to residents of all 50 states, ages 18 to 80.

    You can buy coverage in the following amounts:

    • $5,000
    • $10,000
    • $15,000
    • $20,000
    • $30,000
    • $50,000
    • $75,000 (N/A to ages 60+)
    • $100,000 (N/A to ages 60+)

    Globe Life Insurance Rate Chart FAQs

    • Does Globe Life insurance go up every year?

      Globe Life insurance rates go up every five years. Or more precisely, every time you hit one of these ages: 21, 26, 31, 36, 41, 46, 51, 56, 61, 66, 71, 76, 81, 86. Policies expire when you turn 90, so there are no further price increases after age 86.

    • What are Globe Life rates?

      You can find a full Globe Life rate chart, for both men and women ages 18-89, at the beginning of this article. Rates can be as low as $3.50 per month for $10,000 of coverage for an 18-20 year-old, all the way up to $604.75 per month for $50,000 of coverage for an 86-89 year-old.

    • Is Globe Life a ripoff?

      We can say with 100% certainty that Globe Life is a ripoff. And it’s not a surprise really. Someone has to pay for their huge marketing budget, after all! To see what fair burial insurance rates look like, check out our new price quoter.


    We hope you found this overview of Globe Life’s insurance rates helpful.

    If you have any questions, please don’t hesitate to leave a comment.

    Warm Regards,
    The GetSure Team

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