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Sep 30, 2025
Globe Life Q3 2025 Earnings Report
Globe Life posted strong growth in Q3 2025 with higher earnings, robust underwriting margins, and solid premium gains across segments.
Key Takeaways
Globe Life reported a 38% year-over-year increase in EPS and continued expansion in both life and health insurance segments. Strong underwriting performance, disciplined cost management, and ongoing agent growth supported profitability.
Net operating income rose 28% to $394.2M; EPS up 38% YoY
Life premiums rose 3%, health premiums 9% in Q3 2025
Health net sales jumped 21% driven by strong growth at United American
840K shares repurchased at an average of $134.17 per share
Revenue by Segment
Forward Guidance
Globe Life reaffirmed its full-year 2025 net operating income guidance and provided an optimistic outlook for 2026 with continued earnings growth.
Positive Outlook
- 2025 EPS guidance maintained at $14.40–$14.60
- 2026 EPS expected to rise to $14.60–$15.30
- Strong agent recruiting and retention trends
- Improving underwriting margins across segments
- Life and health premium growth remain solid
Challenges Ahead
- Net investment income remained flat
- Increased interest on policy liabilities
- Health underwriting margin decline at Liberty National
- Flat life net sales at American Income and Liberty National
- Interest rate volatility continues to affect AOCI
Historical Earnings Impact
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Avg. Return Before/After Earnings
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