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Globe Life Family Heritage Help Center

Do I need a medical exam to qualify for coverage?

No, you do not need a medical exam for coverage. Your agent will ask you 3-4 simple health questions when you apply. If you pass them you will qualify for approval. 

Can I change my coverage levels after I purchase a policy?

Yes, you will have full control to move your coverage plan between different levels. Just remember if you lower coverage you will have to prequalify again in order to raise your coverage back up. 

When my policy matures will I be taxed on my Return of Premium?

No, all payouts and return of premium payments are 1099 and tax free. 

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