Globe Life class action overview:
- Who: Plaintiff Debra Jennings filed a class action lawsuit against Globe Life and Accident Insurance Company.
- Why: Jennings claims Globe Life illegally denies life insurance benefits to Arkansas consumers.
- Where: The Globe Life class action lawsuit was filed in Arkansas federal court.
An Arkansas woman claims in a new class action lawsuit that Globe Life and Accident Insurance Company illegally denies life insurance benefits to Arkansas consumers.
Plaintiff Debra Jennings filed the class action lawsuit against Globe Life on Sept. 3 in Arkansas federal court, alleging violations of state and federal consumer protection laws.
According to the lawsuit, Globe Life sells “burial policies” designed to cover end-of-life expenses primarily to elderly Arkansans with limited means.
Jennings claims that Globe Life conducts a short phone interview with vague health questions before issuing these policies, and the application form is not filled out or signed by the buyer.
When a policyholder dies, Globe Life allegedly rescinds the policy and refuses to pay the beneficiary by conducting a posthumous review of the insured’s medical records.
Jennings says Globe Life claims the deceased policyholder “incorrectly” answered a question during the phone interview and that the policy would not have been issued if the questions were answered “correctly.”
Globe Life illegally rescinds policies based on ‘Good Faith Defense,’ class action claims
Jennings alleges Globe Life has a uniform practice of denying life insurance claims based on non-disclosure of health conditions that are unrelated to the policyholder’s cause of death.
The Globe Life class action lawsuit argues that this practice has been illegal in Arkansas since 2011, when the state outlawed the “Good Faith Defense,” which allowed life insurers to rescind policies based on undisclosed health conditions regardless of their relevance to the policyholder’s death.
Jennings claims Globe Life has ignored this change in the law for more than 14 years and lacks a claims process that complies with Arkansas law.
Jennings is looking to represent anyone in Arkansas where an insurance claim was denied by Globe Life based on the Good Faith Defense or other illegal grounds since Sept. 3, 2020.
She is suing for breach of contract and bad faith and is seeking a declaration that Globe Life’s claims practices are illegal as well as damages, penalties and attorney fees.
Earlier this year, Globe Life was sued for allegedly failing to protect sensitive customer information in a data breach that affected more than 850,000 individuals.
What do you think of the allegations made in this Globe Life class action lawsuit? Let us know in the comments.
The plaintiff is represented by Jason W. Earley and Christopher D. Jennings of Jennings & Earley PLLC.
The Globe Life class action lawsuit is Jennings v. Globe Life and Accident Insurance Company, Case No. 2:25-cv-00172-BSM, in the U.S. District Court for the Eastern District of Arkansas, Delta Division.
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4 thoughts onClass action lawsuit claims Globe Life used outlawed ‘Good Faith Defense’ to deny benefits
There seems to be a lot of inflammatory language in this lawsuit and frankly, is missing much of the context. I am not sure if the underwriters had fully approved when this claim was denied or were still working on the medical file. Of course if you do not disclose something significant in your medical file you will be denied. I don’t know a company that would approve based on false or incomplete information. Life insurance is complicated. The truth is, if you are not healthy enough, you will not qualify, end of story. Most people do not qualify for their health, age or habits. Its sad, but not illegal. Again, I have not read all the documents in this case, but it seems there is a lot missing and the headline is misleading. There IS some burden of proof on the plaintiff’s side, I’m guessing we’ll get there. Being mad about a life insurance company declining you or denying your claim is understandable, but not a reason to sue anyone.
Add please. I had globe. They canceled when I lost my job.
Add Me
I have Globe life insurance oh why please add me