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Globe Life Inc. added a new risk disclosure in 2026 addressing illiquid and volatile alternative investments that could impair investment income and liquidity, reflecting expanded exposure in this asset class. The company substantively strengthened three existing risk disclosures: clarifying operational funding dependence on insurance subsidiaries, emphasizing FHLB concentration liquidity risks, and broadening information systems risks to explicitly include artificial intelligence governance and emerging technology management.

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🟢 New in Current Filing

Our investment portfolio contains certain alternative investments that may be illiquid and volatile, which could negatively affect our investment income and liquidity.

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Over the past several years, we have increased our investment in alternative investments, such as limited partnerships. These and other similar investments may have different, more significant risk characteristics than investments in fixed maturity securities, may be more volatile and may be illiquid due to restrictions on sales, transfers and redemption terms, all of which could negatively affect our investment income and overall portfolio liquidity. 9 GL 2025 FORM 10-K 9 GL 2025 FORM 10-K 9 GL 2025 FORM 10-K Table of Contents Table of Contents These alternative investments may not meet regulatory admissibility requirements or may result in increased regulatory capital charges to the insurance subsidiaries that hold these investments, which could limit those subsidiaries’ ability to pay dividends and negatively impact our liquidity.

🟡 Modified Our ability to fund operations is substantially dependent on available funds from our insurance subsidiaries. 🔒

🟡 Modified We are subject to liquidity risks associated with sourcing a concentration of our funding from the FHLB. 🔒

🟡 Modified The failure to maintain effective information systems or manage responsible use of emerging technologies, including artificial intelligence, could adversely affect our financial condition and results of operations at the Company. 🔒

3 more changes in this filing

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