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Globe Life GL Direct to Consumer — Original discount rate

Other product segments

American Income
11.5%0.0%
Liberty National
11.4%0.0%
Other
6.2%—
United American
5.1%0.0%
Family Heritage
4.2%0.0%

Similar metrics at other companies

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AFLOther — Weighted-average interest, original discount rate
7.3%0.0pp
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KKROther — Weighted-Average Interest Rates, Original Discount Rate
5.3%+0.3pp
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KKROther — Expected Future Benefit Payments, Discounted (Original Discount Rate)
$9.45B+1.7%
Fidelity National Financial logo
FNFTraditional Life — Current discount rate
5.1%-0.1pp
Equitable Holdings logo
EQHTerm — Current discount rate
5.1%0.0pp
Aflac logo
AFLCritical care — Weighted-average interest, original discount rate
4.5%-0.1pp

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:LiabilityForFuturePolicyBenefitWeightedAverageInterestAccretionRate.

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 — original discount rate?
Globe Life (GL) reported direct to consumer — original discount rate of 11.1% in Q1 2026.
How has Globe Life's direct to consumer — original discount rate changed year-over-year?
Globe Life's direct to consumer — original discount rate increased by 0.9% year-over-year, from 11% to 11.1%.
What is the long-term trend for Globe Life's direct to consumer — original discount rate?
Over 3 years (2022 to 2025), Globe Life's direct to consumer — original discount rate has grown at a -0.4% compound annual growth rate (CAGR), from 44.8% to 44.3%.
What does direct to consumer — original discount rate mean?
The discount rate determined at the inception of the insurance contracts used to calculate the present value of future policy benefits. This rate is typically locked in at the time of policy issuance to maintain consistency in reserve valuation.