Globe Life Inc. is an insurance holding company that serves lower to middle-income individuals and families across the United States, Canada, New Zealand, and Bermuda through five principal divisions offering life and supplemental health insurance products. The company distributes traditional whole life, term life, and supplemental health coverage—including Medicare supplements and limited-benefit plans covering accidents, cancer, and critical illness—via direct-to-consumer channels, an exclusive agent network of roughly 17,000 agents, and general agency distributions. Globe Life generates revenue primarily from premium income and policy charges on certain products, competing through service quality, pricing, product design, and operational efficiency achieved via lower policy acquisition and administrative costs than peer insurers.