Globe Life- Family Heritage Division

About Globe Life- Family Heritage Division

Family Heritage, a Globe Life company, specializes in supplemental insurance benefits that protect individuals and families from the financial impact of serious illnesses, accidents, and other unexpected life events.

Unlike traditional health insurance, Family Heritage’s programs pay cash benefits directly to the policyholder, not to hospitals or doctors. This gives families the flexibility to use the money however they need—whether it’s for medical bills, travel, household expenses, or lost income. And if not used you get your return of premium back 100% or the difference minus claims.

Products & Services

Family Heritage offers supplemental coverage designed to fill the gaps left by major medical insurance. Programs include:
Cancer Protection – Helps cover out-of-pocket expenses, travel, and recovery costs related to cancer treatment.
Accident Protection – Provides cash benefits for injuries from accidents—on or off the job.
Heart, Stroke, and ICU Coverage – Assists with costs related to heart attacks, strokes, or intensive care stays.
Hospital Indemnity Plans – Pays benefits for hospital admissions, stays, and surgeries.
Life Insurance Plans – Offers long-term protection and peace of mind for families.

Unique Benefits:
Return of Premium – If you stay healthy and don’t use your policy, Family Heritage returns up to 100% of the premiums you’ve paid.
Portable Coverage – Employees can keep their coverage even if they change jobs or retire.
No Cost to Employers – Companies can offer Family Heritage as a voluntary benefit, showing appreciation for their team without affecting payroll or budgets.
Peace of Mind – Families know they’re financially protected when unexpected challenges arise.