Business Profile

Insurance Companies

Globe Life and Accident Insurance Company

Headquarters

Complaints

This profile includes complaints for Globe Life and Accident Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

196 total complaints in the last 3 years.
58 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:04/20/2024
Type:Product Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Since 2013 I have been paying average $54/month for term life insurance to Globe Life. In January 2024 price went up to $74/month so on February 9th I cancelled policy and they said they would issue a refund for the difference from February 9th to March 1 that I paid. I waited 30 days, called them to request a stop payment on surrendered check which I never received. They said they would reissue another one. I waited another 30 days and never received the check. I called on April 12th to be told it had been cashed back in February. That I needed to send an email to do anything further. Which I did, twice, but have not received any response. I would think they could at least find out where the check possibly could have been cashed or some information but nothing. At least prove that they even issued a check at all.
Business Response
Date: 05/02/2024
Policy #***D64416, insuring the life of ************************, is a term life policy issued effective February 1, 2013 in the amount of $20,000.00. ************** paid $54.24 per month from February 1, 2019 to February 1, 2024 when the monthly premium increased to $74.74, pursuant to policy provisions. The dates and amounts of each premium increase can be found under the Benefit and Premium Schedule on Page 2 of ************** policy.

According to our records, ************* requested cancellation of the policy via telephone on February 9, 2024. Because it had cash value at the time, the policy was surrendered. A check (#*******)in the amount of $3.64, representing the full cash surrender value of the policy, was issued to ***************** ***** on February 11, 2024, and mailed to the address of record: *******************************************************, which is also the address on the complaint. The check was cashed March 5, 2024. A copy of the cashed check is enclosed.

I trust this information is responsive to your inquiry.
Customer Answer
Date: 05/02/2024
I am rejecting this response because: This complaint is NOT in regard to the cash value of the surrendered policy but rather the amount I paid for February 10 to February 29... policy was paid ($74.74) February 1st and then surrendered February 9th. I was told that I would receive a check for the amount I paid from Feb 10 to Feb 29, 2024 since I was no longer insured after the 9th. Thank you for your time and consideration in this matter.
Business Response
Date: 05/07/2024
The cash value that was paid to ************** on February 11,2024 was calculated to the March 1, 2024 paid-to date. If the premium that paid the policy from February 11, 2024 to March 1, 2024 was refunded, there would have been no cash value for which to surrender the policy.
Customer Answer
Date: 05/07/2024
I have reviewed the business response and accept this resolution. I don't agree with the results but nothing I can do about it.
Initial Complaint
Date:04/20/2024
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have been bombarded by mailings from this company. I have never requested anything from this company nor will I ever do business with them. So far they have sent me mailings under four different names; ****************************************, *******************, and *********************. I called on 7-31-2023, 10-16-2023 and 2-19-2024 to request that my address be taken off their mailing list. I would just like all mailings from this company to stop. Thank you.
Business Response
Date: 05/07/2024
For your reference, I am enclosing a copy of the response that was sent to ********************* today via email, which I believe is self-explanatory.

I trust this information is responsive to your inquiry.
Customer Answer
Date: 05/07/2024
I have reviewed the business response and accept this resolution.
Initial Complaint
Date:04/19/2024
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have owned a Whole Life insurance policy with Globe Life And Accident Insurance Company since April 10, 2012. The policy is referred to as "Group Juvenile Whole Life". As of December 2023, I purchased a home and have since changed my address online with Globe Life's online customer service portal. In March 2024, I reached out to customer service for an explanation as to if my son was still insured because the policy states it's for a juvenile and my son is now an adult. The service representative explained that it is also known as a "whole life" policy which means that it is for the duration of his life and the juvenile term is simply when I purchased the policy. During our conversation, I asked if the policy had accumulated cash value that I could borrow against. She said that the policy currently has a $655.00 cash value into which I could borrow with a %6 interest rate. I proceeded to answer questions and agree to the loan. On March 28, 2024, I received a voice mail from a woman named *** whom explained that for security reasons (due to a recent address change), I needed to request my loan in writing. When I called back, another representative saw the notes and agreed that I could write an email with my request and this would be honored. On March 29 2024, I received an email from customer service with another request. I have spoken to several people with several requirements and have met them, but have yet to receive confirmation of the funds being released. I have called customer service several times in the past weeks and have been told different things over the phone or hung up on. I was even given a false supervisor email to use for help. In conclusion, I have been a victim of identity theft and understand as well as appreciate the security measures, but to not receive a response and be hung up on and ignored is poor business practices. I have submitted lots of proof that it is actual me who is requesting the loan and yet I'm not getting a proper response.
Business Response
Date: 05/02/2024
On March 20, 2024, *************************** requested a loan against policy #***F81398 insuring the life of *********************************** via telephone. The loan was processed on March 27, 2024. However, the check was held during auditing due to an address change that was made on January 14, 2024. Per procedure, if a loan is requested within 90-days of an address change, the request must be submitted in writing.

On March 28, 2024, ************** was advised via telephone that a written request for the loan was required due to the address change. Globe Life did receive emails from ************** requesting the loan; however, email is not a sufficient form of a written request. We apologize if ************** was led to believe otherwise.

The signed loan request was received on April 29, 2023 (copy enclosed) and the check was sent to ************** on April 30, 2024 via ****** A copy of the check and ***** tracking information is enclosed. Per the ***** website, the check was delivered to ************** on May 1,2024 at 1:20 p.m.

A copy of Globe Lifes check #******* in the amount of $618.66, representing the maximum loan amount available for this policy, is enclosed for your reference.

I trust this information is fully responsive to your inquiry.

Customer Answer
Date: 05/02/2024
Thank you for accepting your letter in return via EMAIL with my signature as written request for my loan. I am in receipt of the attached check however, the information on the letter provided with the check was unclear. Per your letter, I understand the terms of the loan however, please provide clarity as to "Whom" to send the repayment to (who to make the check/money order out to exactly) and the address (where to mail the check/money order to). Please feel free to respond here or by my email or phone number associated with my account. Also, my address has been changed since January 2024. I am not sure how long the postal carrier will forward my mail. As you can see from the attachments on April 17, 2024, Globe is continuing to use my old address. If you would be so kind as to use the address that the check was mailed to, it would be greatly appreciated.
Thank You
Customer Answer
Date: 05/03/2024
I am rejecting this response because: Thank you for accepting your letter in return via EMAIL with my signature as written request for my loan. I am in receipt of the attached check however, the information on the letter provided with the check was unclear. Per your letter, I understand the terms of the loan however, please provide clarity as to "Whom" to send the repayment to (who to make the check/money order out to exactly) and the address (where to mail the check/money order to). Please feel free to respond here or by my email or phone number associated with my account. Also, my address has been changed since January 2024. I am not sure how long the postal carrier will forward my mail. As you can see from the attachments on April 17, 2024, Globe is continuing to use my old address. If you would be so kind as to use the address that the check was mailed to, it would be greatly appreciated.
Thank You
Business Response
Date: 05/15/2024
The address for policy #***F81398 was changed to ****************************************** at the time the loan check was issued.

Loan and/or interest payments can be sent to:

Attn: Loan Repayment
PO Box 268844
*************. OK 73126

I trust this information is responsive to your inquiry.
Customer Answer
Date: 05/15/2024
I have reviewed the business response and accept this resolution.
Initial Complaint
Date:04/10/2024
Type:Product Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Policy 0038J1005.Globe Life denied my life insurance claim for my father. After mediation through attorneys I was rejected yet again. At this point I am no longer represented by an attorney and have settled for the denial. I would like Globe Life to refund all of the premiums I paid into the policy.
Business Response
Date: 04/25/2024
Dear ****************,
Thank you for your BBB complaint. Your correspondence has been forwarded to me for a response. Please accept my condolences for the loss of your father.
We are in the process of reissuing the premium refund which was previously mailed to your attorney. The new check will be sent to you under separate cover.
Respectfully,
******************************
*************************************
Initial Complaint
Date:04/08/2024
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I been paying life insurance for 20 yrs ***** a month.I wondered why they weren't taking money out of account .Called them they said policy lapsed because I turned 80.They didn't even give me notice or anything that it was going to lapse.All the years I been paying and i have nothing now.I think they should of contacted me know so maybe did I had other options.I contacted them again and they said 10 days ago they would contact and never did. I think I should get something out of it after paying 20 years and having nothing now.
Business Response
Date: 04/22/2024
Attached is a copy of Globe Life's April 18, 2024 response to *************************, which I believe is self-explanatory.
I trust this information is fully responsive to your inquiry.
Initial Complaint
Date:03/27/2024
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
As of March 15th, my application for life insurance was still pending with Globe. My parents had already been denied due to their health issues. Today, March 27th, I received a letter from Globe Lifes underwriting department in which they basically call me a liar. They accuse me of having a health history [that] *** be more significant then admitted on your application. Grammatical errors in their ridiculous note asideI take severe umbrage with being accused of withholding information. Globe Life has been unprofessional at every step of this process. Their online application process is clearly flawed. I know this because I answered their questions completely when I applied for coverage for myself and my parents. Yet still, I had to verify app details by having a phone conversation. Then on the phone conversation, they were primarily concerned with my parents info although multiple times I also confirmed for the representative my own **************** my diabetic status, my hypertensive status and the fact that I take medication to treat these ailments along with some antidepressants Ive been on since college. So the fact that weeks later underwriting is still unsure about me and wants me to answer the same questions again and accuses me of downplaying the significance of my health historyits outrageous! I genuinely feel like this business is little more than a SCAM. Designed to reel you in with promises of $1 premium payments (for the first month) and No Medical Exam. But they dont actually want to insure the masses. Theyd rather have a janky, glitchy website, crappy online application and terrible customer service process/experience that leaves the consumer feeling badly about themselves. I already have insurance through my union. However, when I was applying on my parents behalf, I thought itd be a good idea to get additional coverage for myself too. Instead, what I got was called a liar. This was a total waste of time! Save your energy and your money.
Business Response
Date: 04/12/2024
According to our records, ************************** completed an application for $100,000.00 insurance coverage on her life via the internet on March 8, 2024. A printout of the electronic application data submitted is enclosed for your reference. ************** answered Yes to one of the health questions on the internet application.

As part of the application process, Globe Life requested information regarding Ms. ******* health history from the *************************** **** (MIB). The brief, coded report received from MIB indicated Ms. ******* health history was more significant than what was reported on the internet application. Per procedure, Globe Life sent **************** a letter on March 15, 2024 requesting additional information. A copy of this letter was included with the complaint.

In the meantime, our quality assurance team attempted to reach **************** via telephone to verify the application. A quality assurance representative spoke with **************** via telephone on March 29, 2024. According to the notes from this phone call, **************** asked to cancel the application.

Ms. ******* application for insurance coverage was withdrawn, per her request, on March 29, 2024. A letter regarding the withdrawal was sent to ************** on that date. A copy of this letter is enclosed.

In her complaint, **************** mentions requesting insurance coverage on the lives of her parents as well. Ms.******* application does name her father, ********************* ****, **** as her beneficiary; however, we cannot provide any further comments regarding the applications for Ms. ******* parents unless she provides her mothers name and both parents dates of birth.

I trust this information is responsive to your inquiry.
Customer Answer
Date: 04/12/2024
I am rejecting this response because: You people are idiots. I wasnt contacted on March 29th. I contacted YOU. And I only did so to figure out why the information I already provided wasnt good enough and why you were accusing me of lying on my application even though I filled it out using the application portal provided. I listed my ailments and medications. I also stated these things when I spoke to someone to verify my parents applicationsLo **** & *******. Globe Life is unprofessional and wildly incompetent. I cancelled my application accordingly and hope no one else falls victim to Globe Lifes idiocy.
Business Response
Date: 04/22/2024
I am currently waiting for additional information from Underwriting and will respond back to ******************** rebuttal by end of business on Friday, April 26, 2024.
Business Response
Date: 04/25/2024
On the internet application for insurance coverage on her own life, *********************** answered Yes to one of the health questions and indicated Diabetic in the comment section. As indicated previously, quality assurance initially spoke with **************** on March 11,2024. I and a supervisor in Underwriting have both reviewed the phone call.

When **************** spoke with ***************** on March 11, 2024, she provided very thorough information regarding the health history of her mother, ************************, and her stepfather, ******************************** However, although **************** did state she had diabetes and was disabled due to this condition, the quality assurance representative merely noted that diabetes was listed on the application and did not obtain any additional information from **************** regarding the diabetes.

Since the policy could not be underwritten without additional information, the application was sent back to quality assurance for a secondary phone call, which took place on March 29,2024. At this time, **************** asked to have cancel the application, as acknowledged in her rebuttal.

Globe Life sincerely apologizes for any difficulties **************** encountered during the usual and routine application process.

I trust this information is responsive to your inquiry.
Customer Answer
Date: 04/29/2024
I am rejecting this response because: I did not receive a response in the promised timeframe (end of business on 4/26/24). Instead, I keep getting marketing correspondence from Globe trying to convince me to sign up my non-existent children and grandchildren with life insurance. Its crazy that a company this inept is allowed to do business.
Customer Answer
Date: 05/19/2024
I am rejecting this response because:
Although I appreciate that at least two people at Globe Life actually did their due diligence and listened to my March 11th ******* I certainly appreciate the apologythe overall response still makes it sound like they did their best to give me coverage. This is not the case. Im the one that called them on March 29th. Not the other way around. And because of the people I dealt with that day along with the fact that I felt I shouldnt have to provide additional information because any questions regarding my app couldve/shouldve been handled on the March 11th callI decided to cancel my application. Ive never had so much trouble getting insurance. I didnt even have issues a couple years ago when obtaining a million dollar policy from Haven Life. So its very odd that Globe Life would make things difficult for a policy with a valuation of just $100,000. I need to try to reinstate my Haven policy. I only got rid of it when I couldnt afford the premiums because of a loss of income. But I can certainly afford it now and Globe Life has proven to me that the grass is not greener on the other side and lower premiums do NOT equal less hassle or better coverage.
Initial Complaint
Date:03/18/2024
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
This company is a joke. Called 3 times to remove **, from their platform and mailing list. Called today march18th 2025 @3.45 pm. Talked to supervisor ********* id #****. Was told three times on each call that it would take eight weeks and then on another call 12 weeks to simply remove somebody from your mailing list and to stop harassing with Mail to buy insurance from you and which I have no desire to ever purchase from you. if my name is not removed, I will seek council on harassment. There is no reason to be removed from a mailing list that it should take two or three months from any company in the world. That is just time for you to keep harassing someone and hopes that they buy from you looking at the reviews I wouldnt give you a *****. And your recorded phone call states mail payments to a PO Box who in their right mind would send payments to a PO Box. Remove at once I will be back with another review.
Business Response
Date: 04/04/2024
The consumer did not provide her full name or address with the complaint. Fortunately, **************** was able to pull the recorded phone call to obtain the consumers last name and mailing address.

During this phone call, ******************* was advised by the customer service representative that it could take 8-12 weeks to be removed from the mailing list. Once a consumer is put on the Do Not Mail list, we typically ask that they please allow at least ***** days for the change to take place as other mailings may have already been processed. This is because the Company can be sending the consumer different types of mailings,such as offers for adult coverage, accidental death coverage, childrens coverage,and fulfillments.

Although it usually does not take ***** days for the mailings to cease, it is a general time frame given to the consumer to cover any pre-scheduled mailings that cannot be stopped. ************ was advised during the phone call that this is a general timeframe.

Globe Life apologizes to Mr. and ************* for any inconvenience these mailings may have caused. Their names and address have been placed on the Companys Do Not Mail list.

I trust this information is responsive to your inquiry.
Initial Complaint
Date:03/18/2024
Type:Product Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Have tried 3 times to cancel policy and each time have been told that something else needs to be done. They have never reached out or responded to me. It's been ***** minutes at a time on calls. Their customer service associates are abysmal. Tried on 1/29/24 and was told it was being done. Called back to check status on 2/1/24 and this associate said a letter with specific verbage had to be sent in. After they received on 2/4/24 ***** tracking), I heard nothing. Tried today to get an update. This associate said it has been denied because my grandmother, who died 2 decades ago, started the policy for myself and I needed to now send her death certificate. They have absolutely no interest in refunding monies paid into over the last 50 years. Their tactics are delay, not communicate and give other "requirements" each time. They have no ethics whatsoever.
Business Response
Date: 04/04/2024
Attached is a copy of the response that Globe Life sent to ******************* today via email.
I trust this information is responve to your inquiry.
Business Response
Date: 04/11/2024
Attached, please find a copy of Globe Life's check #******* in the amount of $9,189.15, representing the full cash surrender value for *********************** policy #*********. This check is being sent to ************** today via Federal Express.
I trust this information is fully responsive to your inquiry.
Customer Answer
Date: 04/12/2024
I have reviewed the business response and accept this resolution. Thank you for the assistance and complete resolution of my complaint. *******************;
Business Response
Date: 04/12/2024
Attached is a copy of Globe Life's check #******* in the amount of $316.36, which is being sent to ************** today via regular mail. The amount paid represents refund of the premiums that paid the policy from 04/16/24 to 09/16/24.
Please let me know if you have any questions.
Initial Complaint
Date:03/18/2024
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Sent in death certificate and other documentation of proof of death and insurance company prolonging payment of insurance policy
Business Response
Date: 03/27/2024
This complaint is for Globe Life and Accident Insurance Company (NAIC *****), rather than Liberty National Life Insurance Company; we cannot answer this complaint.

Please reclassify to Globe Life and Accident Insurance Company (NAIC *****).

Thank you.
Business Response
Date: 04/17/2024
Policy #***A19116, insuring the life of ******************************, is a whole life policy issued effective December 7,2010 in the amount of $15,000.00. The policy includes three $5,000.00 riders,bringing the total face amount to $30,000.00. The complainant, ***************************,is the beneficiary of this policy.

****************************** passed away January 18, 2024. The claim was received February 28, 2024. A check (#******)in the amount of $30,155.34 was issued to *************************** on March 19, 2024. The amount paid represents the $15,000.00 base policy and the three $5,000.00 riders, plus $155.34 interest. A copy of the cashed check is enclosed.

It is Globe Lifes position that this claim has been handled properly and in a timely manner. The claim was paid 14 business days after receipt of proof of loss.

I trust this information is responsive to your inquiry.
Initial Complaint
Date:03/11/2024
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I had a life insurance policy on my brother .it was paid from my checking account every year since 2011. I paid with auto draft faithfully every month. This was never an issue. The issue concerns beneficiary. They tried to cheat me out of my money. When he passed in August 2023. I couldnt find the physical policy. I made a claim. They insisted on making it an estate check. My brother lived outside of *** and did not file an estate . I told Globe this. His child called them to say there was no estate. I could not cash the check, obviously. I was the beneficiary. They sent me doctored and forged documents. I insisted send me the original application per law. They would not. I had to hire an attorney to get my money. Of course, she didnt work for free. I had to give her 30%. Globe lied to me and tried to withhold payment. They also cost me 1/3 of the proceeds. They should be looked at for their practices. I even talked to the legal department at Globe. They just about said. Shut up and go away. I feel like they should pay the attorney fee. If I was wrong, why did they give her the money? I was not wrong they took advantage of my lost polity
Business Response
Date: 03/20/2024
***************************** did not provide her brother's name or his policy number. Globe Life cannot respond to this complaint until the insured's name and policy number are provided.
Customer Answer
Date: 06/13/2024
EDIT. I am sorry but I must correct myself concerning Globe policy 003T6204. *************************. The date of our correspondence was 03/11/2024. Sincerely, ****************
Business Response
Date: 06/25/2024
In her initial complaint received March 13, 2024, ***************************** accuses Globe Life of lying to her, trying to withhold payment, and trying to cheat her out of payment. **************** also stated: I could not cash the check, obviously, I was the beneficiary. However,that simply is not the case.

For your reference, I am enclosing a copy of the direct mail application signed by **************************** and dated September 21, 2011. You will note that there is no beneficiary designated, nor does ************************ name appear anywhere on the application for insurance coverage.

************************* passed away June 11, 2022. His death was reported by ***************************** via telephone on August 15,2022. The claim was received September 26, 2022. A check (#******) in the amount of $10,000.00 was issued to the Estate of **************************** on October 3,2022. The check was issued to **************** estate in accordance with the terms and conditions of this policy, as there was no beneficiary on file at the time of his death.

On October 3, 2022, Globe Life also sent **************** a letter explaining what was required in order to reissue the check. An Affidavit for Surviving Spouse or Next of *** was received from **************** on December 2, 2022 and was reviewed by our ***************** which determined that the information received was not sufficient pursuant to Louisiana law.

On December 21, 2022, another letter was sent to **************** explaining what was required to reissue the check. On January 5, 2022, Globe Life received a copy of **************** last will and testament which, again, was not sufficient to reissue the check, pursuant to Louisiana law. On February 14, 2023, our **************** also wrote *************** a letter explaining exactly what is required in order to issue the check.

Since no further response or information was received from ****************, Globe Life issued another check (#******) in the amount of $10,000.00 to the Estate of ************************* on March 22, 2023. According to our ********************** the check was cashed July 13,2023. A copy of the check is enclosed for your reference.

In her original complaint to the Better Business Bureau, **************** states she had to hire an attorney to obtain the $10,000.00 death benefit from Globe Life and feels that the Company should pay the attorneys fee. However, there is nothing in our records indicating Globe Life ever received any correspondence from an attorney on behalf of *****************************, nor did the Company pay the $10,000.00 benefit to an attorney on behalf of ****************. It appears that **************** hired the attorney afterGlobe Life reissued the check in March 2023.

**************** also filed a complaint with the *********************** of Insurance regarding this matter, to which Globe Life responded on April 18, 2023. A copy of this response is enclosed for your reference. This matter was reviewed in detail by the *********************** of Insurance which concluded that no further action was required of Globe Life.

Globe Life maintains its position that this claim was handled properly and paid to **************** estate pursuant to the terms of the policy, as there was no beneficiary on file at the time of his death. I regret we are unable to assist ************** any further regarding this matter.

I trust this information is responsive to your inquiry.

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