Globe Life doesn’t make commercials in order to allow agents like myself to offer two no-cost benefits; instead of spending money advertising to you, the company spends money on you.

One of the benefits that I can offer at no cost is a small accidental death policy. It covers the insured and their spouse for $3,000 each, plus $1,000 more for each dependent child. While these numbers are nothing impressive, they would undoubtedly make a difference in covering the cost of a funeral should tragedy strike.

One of the two no-cost benefits that I can offer on behalf of Globe Life is a health discount card. This card provides the owner with a network of local providers and can be used anywhere in the country. When presented to a partnering provider (before payment), it can save the card owner between 10% to as much as 85% on products or services pertaining to vision, hearing, prescription drugs, or chiropractic care.

I personally have both no-cost benefits. After all, they don’t cost you anything, and that discount card in particular could lead to big savings.

I specialize in providing protection for small businesses. Through Globe Life’s Worksite Advantage program, I can offer employees our group term 100 policy (with a paid-up at 65 option). This policy is permanent (it lasts until the insured is 120 years old), pre-tax (up to $50,000), and portable (it stays with them if they retire or leave the company). Additionally, the premiums never increase, nor does the face value decrease.

This is one of our most popular policies for a reason, and one that I wish I myself was eligible for (but I am technically self-employed). If you are a business owner with at least five full-time employees, please consider reaching out to join our Worksite Advantage program so that your employees can get this great policy!

Our cancer endurance policy does exactly what it sounds like it should— help you and your family endure the hefty financial costs of cancer treatment. It pays upon first diagnosis, but also pays every time the insured gets radiation treatment or chemotherapy. It also helps pay for hospital confinement and transportation to a hospital of their choice (if it is far away).

The main draw of this policy is that it has no lifetime maximum— a pretty big deal, considering how expensive cancer treatment can be. Medical debt is very common and very damaging, and with cancer getting more and more common, I would argue that this is a policy worthy having.

We have a critical illness policy that will pay out a one-time lump sum (amount selected by the insured) if they experience a heart attack, stroke, kidney failure, organ failure, or need organ surgery. We also offer a Cash Cancer policy that does the same thing, but for a cancer diagnosis.

These are both nice, fairly affordable policies meant to protect against the worst-case medical scenarios with a quick payout.

Nobody likes a trip to the ER— especially when money is tight. Accident Protector Max covers the insured and their family 24 hours a day, both on and off the job. If an accident occurs and an ER trip is necessary, this policy will pay out a certain amount of money for the visit and could help pay for other related costs.

It cannot be stressed enough that this policy applies to the worksite, not just at home, making it a no-brainer for anyone with a dangerous profession or who wants coverage for a family member that does.