Globe Life Liberty National Division

What Globe Life Liberty National Division does

Globe Life Liberty National Division (legal name Liberty National Life Insurance Company) is a life insurance business unit of Globe Life Inc. (NYSE: GL), founded in 1900 and headquartered in McKinney, Texas. It sells individual life insurance, final expense coverage, and Medicare Supplement products to U.S. consumers and families, and serves the worksite/corporate market through employer-sponsored benefit enrollment.

The division's product stack centers on traditional life insurance contracts with recurring premium billing, supplemented by an online Policyholder E-Service portal for self-service policy management and a Worksite Billing platform for employer group accounts. Underlying technology is functional rather than differentiated: standard digital service platforms for billing, e-service, and worksite enrollment, with no disclosed AI/ML or proprietary technical moat.

The go-to-market runs exclusively through a network of independently owned insurance agencies (such as Texas-based Team Sellors Agencies, led by Eric and Michele Sellors) operating under exclusive contracts to represent the division. Agents earn front-end commissions plus residual income on policies remaining in force, creating a recurring commission stream that aligns agent and carrier incentives. Revenue is generated from policyholder insurance premiums and from the residual commission structure, with marketing supported by sports sponsorships of the Texas Rangers and Dallas Cowboys and an active social media presence. The division is led at the parent level by CEO Steven J. DiChiaro; Globe Life Inc. reported $1.56 billion in Q1 2026 revenue and raised full-year 2026 EPS guidance to $15.40–$15.90.

Name

Globe Life Liberty National Division

Legal name

Liberty National Life Insurance Company

Website

https://teamsellorsagencies.com

Company type

Public

Founded year

1900

Operating status

Operating

Headcount range

11–50 employees

Short description

Globe Life Liberty National Division is a U.S. life insurance business unit of Globe Life Inc. (NYSE: GL) that sells individual life, final expense, and Medicare Supplement policies to consumers and families through an exclusive network of independent insurance agencies.

Ownership category

akta.pro rank

Product category

Life Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Life Insurance (6311), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)

akta.pro secondary industries

Worksite Supplemental Life Insurance (Voluntary Life) (FSAIAMAF), Medigap Distribution & Brokerage (Captive/Independent/IMO/FMO) (HLAEADAD), Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Life insurance products
• Medicare Supplement plans
• Worksite employee benefits
• Independent insurance agency distribution
• Policyholder self-service

Headquarters

HQ city

Addison

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Insurance Premiums: Core revenue from life insurance premiums paid by policyholders on individual and worksite insurance policies. Policyholders pay recurring premiums in exchange for death benefit coverage.
2. Agent Commission Structure: Insurance agents earn commissions on new policy sales with residual income for as long as the policy remains in force, creating ongoing revenue for agents who maintain their book of business.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Globe Life Liberty National Division sells life insurance products and Medicare Supplement coverage to individual consumers and through worksite (employer-sponsored) channels. Distribution is handled exclusively by a network of independently owned agencies under exclusive contract to represent the division, supported by online self-service portals for policyholders and worksite billing systems.

Product overview

Globe Life Liberty National Division is a life insurance business unit under Globe Life Inc. (NYSE: GL) that offers a portfolio of insurance products through independently owned agencies. The core offering is life insurance, including Medicare Supplement plans, supported by online self-service tools for policyholders (E-Service portal) and worksite billing systems. The division was founded in 1900 and is headquartered in McKinney, Texas.

Differentiator

Problem solved

Functional benefit

Products and services

• Globe Life Liberty National Division Life Insurance Individual and family life insurance products (including income replacement, mortgage protection, children's education funding, and final expense coverage) issued by Liberty National Life Insurance Company and distributed through independently owned agencies with exclusive contracts.
• Medicare Supplement Insurance (Globe Life / United American Division) Medicare Supplement coverage available to Medicare-eligible beneficiaries as an alternative or supplement to Medicare Advantage plans, addressing gaps in original Medicare. Sold through the Globe Life independent agency channel.
• Worksite / Voluntary Employee Insurance Benefits Employer-sponsored voluntary life and supplemental insurance benefits offered at the workplace, where independent agents conduct on-site enrollment events for employees.
• Policyholder E-Service Portal Online self-service portal for existing policyholders to access and manage their insurance policies, view documents, and handle administrative tasks such as billing and service requests.
• Worksite Billing Platform Online billing platform for worksite insurance products, allowing employers and agents to manage premium payments and billing for group or worksite insurance policies.

Quantifiable outcome

• 13% year-over-year increase in Q1 2026 net income to $3.39 per diluted share
• +1 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• Team Sellors AgenciescoreChannel Partner/ Reseller/ DistributorIndependently owned insurance agency with exclusive contract to represent Globe Life Liberty National Division. Based in Texas with phone contact 817-285-6035. Agency promotes products through community engagement and direct consumer sales.
• Texas RangersminorOthersOfficial Life Insurance sponsor relationship with Texas Rangers professional baseball team.
• Dallas CowboysminorOthersOfficial Life Insurance sponsor relationship with Dallas Cowboys professional football team.
• Globe Life Inc.coreOthersParent company (NYSE: GL) of Liberty National Division. Globe Life Liberty National Division is a member of the Globe Life Inc. family of companies.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Aflac: The largest U.S. provider of supplemental insurance products, distributed primarily through captive agents at the worksite. Comparable business model with deeper scale and broader product set than Liberty National.
• Mutual of Omaha: Mutual insurer offering individual life insurance and Medicare Supplement plans through independent agents, overlapping Liberty National's product portfolio and distribution channel strategy.
• Humana: Large Medicare-focused insurer with Medicare Supplement offerings. Provides a benchmark for the MA-to-Medigap beneficiary flow that is currently driving Liberty National's growth opportunity.
• Globe Life Inc. NYSE-listed parent company (GL) of Globe Life Liberty National Division. Operates multiple insurance divisions including United American, Globe Life Direct, and Liberty National, sharing the captive agency distribution model and overlapping product portfolio of life insurance and Medicare Supplement.
• American Heritage Life Insurance Company (Allstate): Allstate-owned supplemental life and health carrier distributing through worksite enrollment and individual consumer channels — overlapping with Liberty National's voluntary worksite benefits and individual life offerings.
• Cigna Group: Major health insurer offering Medicare Supplement plans alongside broader health products. Operates at much larger scale with diversified distribution, but competes directly for the same Medicare Supplement beneficiary pool.

Direct peers

• Combined Insurance (Chubb): A Chubb-owned supplemental insurance carrier that sells individual life and supplemental health products through captive agents in worksite and individual consumer channels — closely comparable in distribution model and product mix.
• United American Insurance Company: Sibling Globe Life Inc. division offering Medicare Supplement, life, and supplemental health coverage. The recent surge in United American's health net sales ($28M to ~$62M) directly illustrates the Medigap demand environment that Liberty National also participates in.
• Globe Life Direct Division: Sibling Globe Life Inc. division selling term and final expense life insurance directly to consumers. Competes for the same end customer with an alternative (direct-to-consumer) distribution model within the same parent company.
• Colonial Life: A Unum subsidiary that distributes supplemental life, disability, and voluntary worksite benefits primarily through a captive/independent agent network — directly mirroring Liberty National's worksite enrollment and residual commission model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/SellorsTeam
• YouTubeyoutube.com/user/LibertyNationalIns
• Facebookfacebook.com/TeamSellorsAgencies
• Instagraminstagram.com/teamsellors

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Globe Life Liberty National Division