Where and how to send your Globe Life payment
Globe Life Insurance (formerly Investors Heritage Capital Corp.) accepts payments by mail, phone, and online through their website or mobile app. The exact payment method available to you depends on your policy type and account setup. Most policyholders can pay online or by phone within minutes; mailed payments take longer to process and should be sent at least two weeks before your due date to avoid a lapse.
To pay online, log into your account at the Globe Life website using your policy number and PIN. The online portal shows your balance, due date, and payment history. You can set up automatic payments (called automatic premium payment or APP) so your premium withdraws from your bank account or credit card on the due date each month or quarter. Automatic payment is the fastest way to ensure you never miss a deadline.
If you prefer to pay by phone, call Globe Life's customer service line. A representative will confirm your policy details and process the payment over the phone using a debit card, credit card, or bank account. Phone payments are typically processed the same day you call.
Key Takeaways
- You can pay Globe Life premiums online, by phone, by mail, or through automatic withdrawal from your bank account or credit card.
- Online and phone payments process immediately or within one business day; mailed payments should arrive at least two weeks before your due date.
- Setting up automatic premium payment removes the risk of missing a due date and keeps your policy active without manual action each month.
- If your payment is late, Globe Life typically allows a grace period before your policy lapses, but the exact length depends on your policy type.
- You can view your payment history, current balance, and due date by logging into your online account or calling customer service.
Mailing your payment by check or money order
If you pay by mail, write your policy number on the check or money order and mail it to the address shown on your bill or policy documents. Do not mail cash. Globe Life's mailing address is typically printed on your premium notice; if you cannot find it, call customer service to confirm the correct address for your policy type.
Mail payments take 5 to 10 business days to reach Globe Life and another 2 to 3 days to post to your account. Send your payment at least two weeks before the due date to avoid a late payment or lapse. If your payment arrives after the due date, your policy may enter a grace period during which coverage continues but you may be charged a late fee.
Setting up automatic payments to avoid missed deadlines
Automatic premium payment is the most reliable way to keep your policy active. Once you enroll, your premium withdraws automatically on the due date each month or quarter (depending on your payment frequency). You choose whether the money comes from a checking account, savings account, or credit card.
To set up automatic payment, log into your online account and select the automatic payment option, or call customer service and ask them to enroll you. You will need to provide your bank account number and routing number, or your credit card details. Automatic payments can be changed or cancelled at any time through your online account or by calling customer service.
If automatic payment fails because of insufficient funds or an expired card, Globe Life will typically attempt to collect again before your policy lapses. Check your email or mail for notices if a payment fails, and update your payment method immediately to prevent a lapse.
What happens if your payment is late
Globe Life policies include a grace period after the due date during which your coverage remains active even if payment has not arrived. The grace period is typically 30 days, though the exact length depends on your policy type and state law. During the grace period, you are still covered, but your policy is considered delinquent.
If you pay during the grace period, your policy continues without interruption. If the grace period ends and you have not paid, your policy lapses and coverage stops. Once a policy lapses, you cannot simply pay the overdue amount to restart it; you will need to reapply and may face new underwriting requirements or higher rates.
If you know your payment will be late, contact Globe Life immediately. In some cases, they may extend the grace period or work out a payment arrangement. It is always better to call ahead than to let your policy lapse.
Paying a lapsed policy or catching up on arrears
If your policy has lapsed because a payment was missed, you cannot simply send the overdue premium and restart coverage. Instead, you must contact Globe Life to reinstate the policy. Reinstatement requires you to pay all overdue premiums plus any interest or fees, and Globe Life may require you to answer health questions or provide proof that you are still insurable.
Some policies have a reinstatement period (usually 30 to 60 days after lapse) during which you can restart coverage without new underwriting. After that window closes, you will need to reapply as a new customer. To avoid this, pay as soon as you realize a payment is overdue, even if it is during the grace period.
Paying multiple policies or changing your payment method
If you have more than one Globe Life policy, you can pay them together or separately. Some policyholders combine payments into one monthly bill; others prefer to pay each policy on its own schedule. Log into your online account to see all your policies and choose how to pay each one.
To change your payment method (for example, from mailed checks to automatic withdrawal), log into your account and update your payment details, or call customer service. Changes take effect on your next due date. If you are switching from one payment method to another, make sure the new method is set up before your current due date to avoid a gap in payment.
Frequently Asked Questions
Can I pay my Globe Life premium with a credit card online?
Yes, most Globe Life policies allow credit card payments through the online portal or by phone. Some credit card companies may charge a cash advance fee for insurance payments, so check with your card issuer first. Debit cards and bank account transfers typically do not incur extra fees.
What should I do if my automatic payment failed?
Check your email and mail for a notice from Globe Life explaining why the payment failed. Log into your account and update your payment method (for example, if your card expired), then contact customer service to request that the payment be retried. You are still covered during the grace period, so act quickly to prevent a lapse.
How long does it take for an online payment to show up in my account?
Online payments typically post to your account within one business day. If you pay by phone, the payment usually posts the same day. Mailed payments take 7 to 10 business days to arrive and process. Always pay at least two weeks early if you are mailing a check.
Can I pay my Globe Life bill through a third-party payment service like PayPal?
Globe Life does not accept PayPal or most third-party payment services. Pay directly through the Globe Life website, by phone, by mail, or through automatic withdrawal from your bank account. Using an unauthorized payment service may result in your payment not being credited to your account.
What if I want to change my payment due date?
Contact Globe Life customer service to request a change to your due date. Some policies allow you to move your due date to align with your paycheck or other bills. Changes typically take effect on your next billing cycle. Confirm the new date in writing before your next payment is due.