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Globe Life GL United American — Current discount rate

Other product segments

Liberty National
11%+2.8%
American Income
10.8%+2.9%
Other
5.5%—
Family Heritage
5.4%+3.8%

Similar metrics at other companies

Aflac logo
AFLMedical and other health — Weighted-average interest, current discount rate
4.4%+1.2pp
Unum logo
UNMOther Insurance Product Line — Current discount rate
5.3%+0.1pp
Aflac logo
AFLCritical care — Weighted-average interest, current discount rate
5.6%+0.1pp
Unum logo
UNMLong-term Care — Current discount rate
5.7%+0.2pp
Unum logo
UNMGroup Life and AD&D — Current discount rate
2.7%0.0pp
Reinsurance Group of America logo
RGAInsurance, Other — Liability for Future Policy Benefit, Current Weighted-Average Discount Rate
21.4%+2.6pp

Other financials

Income statement

See full
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

See full
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:LiabilityForFuturePolicyBenefitCurrentWeightedAverageDiscountRate.

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 united american — current discount rate?
Globe Life (GL) reported united american — current discount rate of 5.3% in Q1 2026.
How has Globe Life's united american — current discount rate changed year-over-year?
Globe Life's united american — current discount rate increased by 3.9% year-over-year, from 5.1% to 5.3%.
What is the long-term trend for Globe Life's united american — current discount rate?
Over 3 years (2022 to 2025), Globe Life's united american — current discount rate has grown at a 3.3% compound annual growth rate (CAGR), from 18.6% to 20.5%.
What does united american — current discount rate mean?
The current market interest rate used to value the present cost of future insurance obligations.
How do you interpret united american — current discount rate?
A higher current discount rate generally reduces the present value of future liabilities, while a lower rate increases them.
How does united american — current discount rate compare across companies?
Standard market-sensitive actuarial metric for insurance liability valuation.