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Globe Life
Globe Life (GL) investor relations material
Globe Life Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income for Q3 was $388M ($4.73/share), up 38% year-over-year; for the nine months ended September 30, 2025, net income was $895M, up from $816M, with diluted EPS rising 21% to $10.77.
Net operating income for Q3 was $394M ($4.81/share), up 38%; for the nine months, it reached $925M, a 10% increase.
Book value per share was $69.52 (GAAP), up 27% year-over-year; excluding AOCI, $93.63, up 12%.
The company serves the lower middle to middle income market, which remains underserved and offers significant growth potential.
The company repurchased 4.2 million shares for $515M and maintained a strong liquidity position.
Financial highlights
Total premium revenue in Q3 grew 5% year-over-year; for the nine months, total premium was $3.6B, with life premium up 3% and health premium up 8%.
Life underwriting margin increased 24% in Q3 to $482M; for the nine months, it rose 14% to $1.16B; health underwriting margin up 25% in Q3 and 4% for the nine months.
Administrative expenses were $90M (7.3% of premium) in Q3; for the nine months, the ratio was 7.2%, unchanged year-over-year.
Net investment income was $286M in Q3, flat year-over-year; for the nine months, $849M, down 1%.
Fixed maturity portfolio yield was 5.26% in Q3; 5.27% for the nine months.
Outlook and guidance
2025 premium revenue expected to grow ~5%; life premium up 3%-3.5%, health premium up 8%-9%.
2025 net operating EPS guidance: $14.40-$14.60; 2026: $14.60-$15.30.
Underwriting margins for 2025: life 44%-46%, health 25%-27%; 2026: life 40%-43%, health 24%-27%.
Net investment income expected flat in 2025, up ~3% in 2026.
Share repurchases projected at $685M in 2025; $85M in dividends.
Remeasurement gain's Q3 EPS increase impact?
Family Heritage agent growth vs. sales growth?
Value of below investment grade fixed maturities?
Impact of new agent tech on sales growth?
Health margin outlook beyond 2025?
Bermuda affiliate's cash flow impact timing?
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Next Globe Life earnings date
Q4 20255 Feb, 2026
Globe Life
Next Globe Life earnings date
Q4 20255 Feb, 2026
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Frequently asked questions
Globe Life And Accident Insurance Company provides life insurance products and services to lower middle to middle income households. The company offers whole and term life insurance products; funeral and final expense life insurance policies; endowments; and annuities. The company serves approximately four million customers through approximately 1,200 independent marketing agents. Globe Life Inc. was founded in 1951 and is headquartered in McKinney, Texas.
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