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Globe Life GL United American — Original discount rate

Other product segments

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

Similar metrics at other companies

KKR & Co. logo
KKROther — Weighted-Average Interest Rates, Original Discount Rate
5.3%+0.3pp
Aflac logo
AFLOther — Weighted-average interest, original discount rate
7.3%0.0pp
Unum logo
UNMUnum US — Current discount rate
4.7%0.0pp
Unum logo
UNMUnum International — Current discount rate
5.5%+0.3pp
Ameriprise Financial logo
AMPUniversal Life Insurance — Weighted average discount rate
3.1%-0.1pp
KKR & Co. logo
KKROther — Expected Future Benefit Payments, Discounted (Original Discount Rate)
$9.45B+1.7%

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: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 united american — original discount rate?
Globe Life (GL) reported united american — original discount rate of 5.1% in Q1 2026.
How has Globe Life's united american — original discount rate changed year-over-year?
Globe Life's united american — original discount rate decreased by 0.0% year-over-year, from 5.1% to 5.1%.
What is the long-term trend for Globe Life's united american — original discount rate?
Over 3 years (2022 to 2025), Globe Life's united american — original discount rate has grown at a -0.6% compound annual growth rate (CAGR), from 20.8% to 20.4%.
What does united american — original discount rate mean?
The original discount rate is the interest rate used at the inception of a long-duration insurance contract to calculate the present value of future policy benefits. This rate is typically locked in at the time of policy issuance to ensure consistency in liability valuation. It serves as a baseline for measuring the impact of subsequent changes in market interest rates.