Torchmark Ranked One of Ten Worst Insurance Companies in America

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UPDATED: Jun 2, 2021

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Written By: Jeffrey JohnsonUPDATED: Jun 2, 2021Fact Checked

Torchmark, a holding company for subsidiary companies who sell low cost burial, cancer and life insurance policies, was ranked one of the ten worst insurance provider companies in America by the American Association for Justice (AAJ) for its bad faith and discriminatory insurance practices.

Torchmark’s bad faith insurance practices

According to the AAJ report, Torchmark and its subsidiaries, Globe Life and Accident Insurance Company, United American Insurance Company and Liberty National Insurance, have been accused of bad faith insurance practices, such as:

  • Discriminating against minorities. Torchmark has been accused of discriminating against minorities by using race-based underwriting practices and refusing to provide insurance to non-English speaking persons. Liberty National paid $6 million in a lawsuit where the insurer charged black customers a third more than white customers for burial policies.
  • Lying to policyholders. Both Globe Life and United American have been accused of lying to elderly policyholders by telling them that their insurance would be discontinued once they reached the age of 65 – even though the policies were guaranteed for life. In 2003, United American settled charges in Minnesota of pressuring elderly clients into buying more expensive insurance that provided fewer benefits than they already had.
  • Engaging in fraudulent activity. United American agents were accused of sending out mass mailings to the elderly concerning Medicare supplement insurance. However, they merely used the mailing as an opportunity to sell other products. Ironically, the scam was reported to authorities by one of the company’s own employees. survey: 50% or more of Torchmark’s customers very unsatisfied

According to customer satisfaction ratings on, 50% or more of Torchmark’s customers are very unsatisfied with the insurer and its subsidiaries. Here’s how survey respondents rated the insurers:

Globe Life and Accident Insurance Company

Extremely Satisfied: 0%
Very Satisfied: 25%
Somewhat Satisfied: 25%
Unsatisfied: 0%
Very Unsatisfied: 50%

United American Insurance Company

Extremely Satisfied: 29%
Very Satisfied: 2%
Somewhat Satisfied: 0%
Unsatisfied: 7%
Very Unsatisfied: 61%

Notes: Since Torchmark is a holding company for subsidiary companies, survey information is not available for Torchmark individually. Survey information was not available for Liberty National Insurance.

Customers posted the following comments about Torchmark and its subsidiaries on the website:

  • Terrible customer service, nobody knows what is going on. Nobody returns emails at all, and only one person who said they would return my call ever did. I am going on over a month now getting a refund on a premium that was not supposed to be debited in the first place. I canceled my policies and would not recommend them at all. – referring to Globe Life and Accident Insurance Company.
  • They misled us about the coverage and were overall very unhelpful. The amount that was covered was actually surprisingly limited. I would not recommend them to anybody. Regardless of their decent price… pay more to get better coverage. – referring to United American Insurance Company.

Notes: Since Torchmark is a holding company for subsidiary companies, customer comments are not available for Torchmark individually. Customer comments were not available for Liberty National Insurance.

If Torchmark or one of its subsidiaries has acted in bad faith regarding your valid insurance claim, contact an attorney whose practice focuses in this area of the law. Consultations are free, without obligation and strictly confidential.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

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