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Globe Life GL Life insurance — Premiums Earned, Net, Excluding Policy Charges

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Other financials

Income statement

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Revenue$1.6B+8.0%
Net income$287.7M+13.8%
EPS (diluted)$3.65+19.7%

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$14.28B+22.5%
Enterprise value$17.26B-0.8%
P/E11.8×+0.8×
P/S2.3×+0.3×

Profitability

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Net margin19.6%+1.5pp
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 gl:PremiumsEarnedNetExcludingPolicyCharges.

The source filing: Globe Life’s 10-K, filed February 25, 2026.

Filed
Feb 25, 2026, 5:20 PM EST
Fiscal year
FY2025
Accession
0000320335-26-000090

| Life insurance in force | $229,804,503 | $430,278 | $1,734,812 | $231,109,037 | 0.8 | | Premiums(2): | | | | | | | Life insurance | $3,294,163 | $(39,968) | $17,669 | $3,351,800 | 0.5 | | Health insurance | 1,516,215 | 128 | 10,663 | 1,526,750 | 0.7 | | Total premium | $4,810,378 | $(39,840) | $28,332 | $4,878,550 | 0.6 | | For the Year Ended December 31, 2024 | | | | | | | Life insurance in force | $227,975,584 | $671,056 | $1,823,957 | $229,128,485 | 0.8 | | Premiums(2): | | | | | | | Life insurance | $3,235,744 | $4,649 | $17,994 | $3,249,089 | 0.6 | | Health insurance | 1,384,080 | 2,449 | 23,294 | 1,404,925 | 1.7 |

ITEM 15. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES

FAQ

What is Globe Life's life insurance — premiums earned, net, excluding policy charges?
Globe Life (GL) reported life insurance — premiums earned, net, excluding policy charges of $837.95M in Q4 2025.
How has Globe Life's life insurance — premiums earned, net, excluding policy charges changed year-over-year?
Globe Life's life insurance — premiums earned, net, excluding policy charges increased by 3.2% year-over-year, from $812.27M to $837.95M.
What is the long-term trend for Globe Life's life insurance — premiums earned, net, excluding policy charges?
Over 4 years (2021 to 2025), Globe Life's life insurance — premiums earned, net, excluding policy charges has grown at a 3.9% compound annual growth rate (CAGR), from $2.88B to $3.35B.
What does life insurance — premiums earned, net, excluding policy charges mean?
This metric calculates the net premium revenue earned after accounting for reinsurance ceded and assumed, while excluding non-premium policy charges. It provides a clean measure of the core insurance revenue generated by the segment.

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