Globe Life burial insurance review & cost
Globe Life is famous for its “$1 for your first month” direct-mail offer. Here's what that actually buys, the difference between its term and whole-life products, and when a level final expense plan is the better deal.
Globe Life's $1 first month gets you started, but read the product: some Globe policies are term whose premiums rise as you age, while its whole-life final expense (up to $50,000) stays level. For seniors who want a fixed premium for life, compare it against a level whole-life carrier before enrolling.
How Globe Life final expense works
$1 first month
A low intro price to start coverage — but the ongoing premium is what matters. Check the renewal rate, not just the first month.
Term vs whole life
Some Globe products are term (premiums increase with age or coverage drops). Whole-life final expense stays level for life — make sure you know which you’re buying.
Up to $50,000
Globe writes higher face amounts than many final expense carriers, with no exam on qualifying plans.
How much does Globe Life burial insurance cost per month?
Globe Life doesn't publish one simple rate card: the heavily advertised "$1" is the first month only, and its popular term policies re-price upward in age bands as you get older, while its whole-life final expense keeps a level premium. The honest way to judge any Globe quote is to compare it against what seniors actually pay for level whole-life burial coverage — premiums that never increase. These are the real medians from policies placed through our service:
| Age | $10,000 level whole life | $25,000 level whole life |
|---|---|---|
| 60–64 | $48 /mo (n=315) | $66 /mo (n=651) |
| 65–69 | $57 /mo (n=508) | $75 /mo (n=712) |
| 70–74 | $68 /mo (n=464) | $90 /mo (n=611) |
| 75–79 | $89 /mo (n=323) | $109 /mo (n=399) |
| 80+ | $110 /mo (n=116) | $109 /mo (n=124) |
Medians of real placed policies (our internal records, rolling 24-month window) — not Globe Life's published rates and not a quote. If a Globe term quote looks cheaper than these numbers, check which age band it jumps to at renewal before deciding.
Globe Life vs. the alternatives
A recognizable brand is reassuring, but it's not always the most coverage per dollar.
| Plan type | Health questions | Waiting period | Coverage per $ | Best for |
|---|---|---|---|---|
| Globe Life (intro/term) | A few | Varies | Varies | Low intro cost |
| Level whole-life final expense | A few | Day one | Higher (level) | Fixed premium for life |
| Guaranteed issue (any health) | None | 2 years | Similar | Serious health issues |
Frequently asked questions
Is Globe Life's $1 offer a good deal?
Is Globe Life term or whole life?
How much coverage does Globe Life offer?
Is Globe Life the cheapest option?
How much does Globe Life burial insurance cost?
Does Globe Life offer final expense insurance?
Compare Globe Life with other carriers
Compare Globe Life's real lifetime cost against level whole-life carriers for your age. Free, no exam.
Related guides: best carriers compared · Colonial Penn · no-exam plans · cost by age
About these figures: the premiums and averages shown are estimates based on real purchase data from our own systems (policies bought through our partner carriers) — not official carrier-published quotes. Your actual rate depends on age, gender, tobacco use, health and coverage amount, and is confirmed by the carrier at application.