What does direct to consumer — at current discount rates mean?

The valuation of the liability for future policy benefits calculated using current market discount rates. This reflects the economic value of the insurance obligations under current interest rate conditions.

Globe Life GL Direct to Consumer — At current discount rates

Similar metrics at other companies

EQHTerm — Current discount rate

5.1%0.0pp

CBCurrent discount rate on future policy benefits

$386M+416%

JXNCurrent discount rate on future policy benefits

$73M+197%

PFGIndividual Disability — Liability For Future Policy Benefit Current Weighted Average Discount Rate

5.7%+0.1pp

UNMOther Insurance Product Line — Current discount rate

5.3%+0.1pp

RGAInsurance, Other — Liability for Future Policy Benefit, Current Weighted-Average Discount Rate

21.4%+2.6pp

Other financials

Income statement

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Revenue$1.6B+5.3%

Net income$270.5M+6.3%

EPS (diluted)$3.39+12.6%

Balance sheet

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Cash & equivalents$255.2M+9.9%

Total debt$3.2B-1.3%

Total equity$6.1B+12.1%

Total assets$31.0B+4.2%

Cash flow

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Operating cash flow$420.9M-2.5%

CapEx$24.9M+112%

Free cash flow$396.0M-5.7%

Valuation

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Market cap$13.26B-0.4%

Enterprise value$16.24B-0.8%

P/E11.3×-1.2×

P/S2.2×-0.1×

Profitability

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Net margin19.4%+1.0pp

FCF margin20.2%-3.9pp

Returns & leverage

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Return on equity20.5%0.0pp

Debt / equity0.5×-0.1×

Where this comes from

Reported directly by Globe Life in its filing.

Tagged under the XBRL concept us-gaap:LiabilityForFuturePolicyBenefitWeightedAverageDuration.

The official record: Globe Life’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Globe Life's direct to consumer — at current discount rates?: Globe Life (GL) reported direct to consumer — at current discount rates of 0% in Q1 2026.
What does direct to consumer — at current discount rates mean?: The valuation of the liability for future policy benefits calculated using current market discount rates. This reflects the economic value of the insurance obligations under current interest rate conditions.