Globe Life

1. Financial Risk: As with any insurer, potential policy holders need to consider the financial security of the company. Globe Life Insurance is highly rated by the insurance ratings organizations (A.M. Best, Fitch, and Standard & Poor's), which is a signal of the company's financial stability.

2. Claims Denial Risk: If a policy holder makes a claim to Globe Life, there is a risk that the claim may be denied. The insurance company may deny a claim if it is not eligible as specified in the policy, or if the claim is not valid or does not meet the applicable standards.

3. Investment Risk: If a policy holder invests money within the policy, there is a risk of losing the invested funds if the portfolio performs poorly. It is important to understand and accept the risks associated with investing with Globe Life Insurance before making any investments.

4. Exclusion Risk: If a policy holder does not read and understand all of the exclusion criteria, he or she may not realize that a certain medical treatment or circumstance under the policy may not be covered or will not be eligible for a payout. It is essential to carefully read the fine print when getting a policy from Globe Life to avoid this risk.