Globe Life Inc. sells life insurance and supplemental health insurance policies, primarily targeting middle-income consumers through a large network of independent insurance agents who sell policies directly to individual customers. Its distribution model relies heavily on agent-based direct sales rather than employer-sponsored group insurance or broker-based commercial insurance channels, targeting a customer segment that larger insurers sometimes underserve. Globe Life's life insurance products tend to be relatively simple, smaller-value policies compared to the larger, more complex policies sold to wealthier customers by some other life insurers, fitting its middle-income target market. The company's profitability depends on collecting sufficient premiums relative to the claims it eventually pays out and the commissions paid to its agent distribution network, along with investment income earned on the premium reserves it holds to cover future policy claims.