Careers · Coming from a captive company
Leaving Globe Life: a guide for agents going independent
Globe Life runs three exclusive agency divisions. If you’re in one of them and wondering what else is out there, here’s the honest picture.
The short answer
Globe Life’s exclusive agency divisions — American Income Life, Liberty National and Family Heritage — use independent contractors who sell only Globe Life products. When you leave, your license stays with you, your Globe Life appointment ends, and what happens to future commissions depends on your contract’s vesting terms. Independent agents can sell for many carriers; look for an agency that provides leads and puts your contract in writing.
Globe Life’s agency divisions, in its own words
| Division | What Globe Life says it does | Avg. producing agents, 2025 |
|---|---|---|
| American Income Life | An exclusive agency that markets to members of labor unions and other affinity groups | 11,920 |
| Liberty National | An exclusive agency that markets individual life insurance to middle-income households and worksite customers | 3,846 |
| Family Heritage | An exclusive agency that primarily markets individual limited-benefit supplemental health insurance to small to medium-sized businesses | 1,527 |
Source: Globe Life Inc. 2025 Form 10-K. Agents of these divisions are independent contractors that exclusively sell for Globe Life.
Coming from AIL specifically? See leaving American Income Life.
What you keep and what stays
- Your license is issued to you by your state. Michigan’s insurance regulator states plainly that cancelling an appointment doesn’t affect the license.
- Your Globe Life appointment ends; new carriers appoint you through your new agency.
- Future commissions depend on your contract — Globe Life’s filings describe agents’ commission streams reverting to the company when an agent is terminated.
- Advance balances: Globe Life generally advances up to 65% of first-year commissions, repaid from commissions. Know your balance before you leave.
- Clients: policies belong to the company; check any non-solicitation terms in your agreement.
A note for Family Heritage agents
Family Heritage focuses on supplemental health. Independent life agencies need your life line of authority — many supplemental-health agents already hold a combined life and health license, but check yours. The selling skills (business owners, needs analysis, benefit explanations) carry over well into final expense, term and whole life.
Coming to United Eagles from Globe Life
Leads are provided — you don’t buy your own. You work real prospects from your first week on the phones, so your money goes into your pocket, not a lead vendor’s. You’ll be contracted with dozens of carriers, trained on underwriting across all of them, and coached on recorded calls — with a contract level in writing before you sign. 1099 commission, uncapped, income never guaranteed, no fee to join.
Globe Life, American Income Life, Liberty National and Family Heritage are trademarks of their respective owners. United Eagles Financial is not affiliated with or endorsed by any of them. Facts on this page come from Globe Life’s public filings.
Straight answers
Common questions
Are Globe Life agents captive?
Agents in Globe Life’s American Income Life, Liberty National and Family Heritage divisions are independent contractors who sell exclusively for Globe Life, according to its 2025 annual report. Its United American division uses non-exclusive independent agents and brokers.
What happens to my commissions if I leave Globe Life?
It depends on your contract. Globe Life’s filings describe agents’ commission streams reverting to the company when an agent is terminated, and any unearned advance balance may have to be repaid. Get your vesting terms and balance in writing first.
Can a Liberty National agent go independent?
Yes, after leaving. Your license stays with you; your new agency gets you appointed with its carriers, and you can then shop many companies for each client.
Sources
Keep reading
If it fits
Talk to a licensed producer — not a recruiter
Sixty seconds to apply, one honest phone call, and a clear path from licensed to producing. We’ll show you the contract in writing and tell you plainly if it’s not a fit.
- 1099 commission, uncapped — leads provided, no draw, income never guaranteed
- No fee to apply, train, or contract with us
- Dozens of A-rated carriers; remote-friendly