Ace Your Globe Life Insurance Interview: The Top 15 Questions and Answers You Need to Know

Landing a job at a reputable insurance company like Globe Life can be a challenging feat. With its 70-year legacy serving American families, Globe Life sets a high bar for candidates hoping to join its team.

As a leading provider of life health and supplemental insurance policies, Globe Life seeks applicants with a strong customer-focused approach, excel critical thinking skills, and expertise in risk assessment. Standing out amongst the competition requires thorough preparation and insight into what recruiters look for in prospective hires.

In this comprehensive guide, I’ll share the top 15 Globe Life interview questions frequently asked of candidates, along with sample answers to help you craft winning responses. With tips on how to highlight your qualifications and align with Globe Life’s values, you’ll gain the confidence to wow interviewers and prove you’re the ideal fit for the role.

Overview of Globe Life’s Hiring Process

Before diving into the common interview questions, let’s look at what you can expect during the recruitment process at Globe Life:

• Initial Screening: The process often starts with a phone or video screening interview to assess your basic qualifications. You may be asked about your resume, career goals, and general insurance industry knowledge.

• Online Assessments Next, you’ll likely need to complete online questionnaires testing your critical thinking, problem-solving abilities, and insurance aptitude

• In-Person Interviews: For managerial or senior roles, the final rounds involve panel interviews with multiple department heads to evaluate technical expertise, leadership potential, and culture fit.

• Focus on Sales: Many candidates report Globe Life’s job postings can be misleading, with a stronger focus on commission-based sales versus the advertised roles. Be prepared for an emphasis on sales abilities.

Now let’s get into the top questions you’re likely to encounter:

Question 1: Why do you want to work for Globe Life Insurance?

This common opening question allows interviewers to assess your interest in the company and the sincerity of your motivations. They want to know what attracts you specifically to Globe Life over other insurance providers.

Sample Answer: I’m excited by the opportunity to work for a respected company like Globe Life that has a long-standing history of serving American families. What appeals to me most is your commitment to providing affordable insurance options to middle-income households across the nation. I admire how Globe Life has sustained decades of success while staying true to its mission of helping customers protect their families and futures. If hired, I would be proud to contribute my [technical, sales, customer service, etc.] skills and experience to furthering Globe Life’s mission.

Question 2: What do you know about Globe Life’s products and services?

With this question, interviewers aim to gauge your grasp of the company’s core offerings and your level of interest in their work. It’s crucial to demonstrate you’ve researched their products and value proposition.

Sample Answer: From my research, I understand Globe Life has three primary insurance offerings – life, supplemental, and health insurance. You provide simplified issue term life policies with options to add children’s coverage. Your supplemental plans like dental, vision, and accident insurance help fill gaps left by major medical plans. And your health plans leverage your partnership with UnitedHealthcare to provide affordable medical insurance for individuals and families. I’m particularly impressed by your focus on serving middle-income households through simplified underwriting and premium structures while still providing quality coverage. This aligns well with my passion for expanding insurance accessibility.

Question 3: How would you handle an upset customer complaint regarding their policy?

In the insurance industry, managing disgruntled customers is an inevitable yet critical skill. With this question, interviewers want to assess your empathy, communication abilities, and problem-solving approach when dealing with a difficult situation.

Sample Answer: When handling an upset customer, I would first listen carefully to understand their concerns without interruptions. Using empathetic statements, I would acknowledge their frustration and apologize for any inconvenience while remaining positive. Once I grasp their issue, I would review their policy details thoroughly to clarify any misunderstandings. If needed, I would offer reasonable solutions within my authority like waiving certain fees or arranging an exception as permitted by company guidelines. My aim would be to find a mutually satisfactory outcome without making false promises. If required, I would escalate the matter to my supervisor. Above all, I would ensure the customer feels heard and valued throughout the process.

Question 4: How do you stay up-to-date on insurance regulations and compliance standards?

Regulatory knowledge is paramount in the insurance industry. With this question, interviewers look to assess your understanding of compliance and your commitment to staying current on guidelines. They want to hear about the resources and effort you invest in maintaining expert-level knowledge.

Sample Answer: Staying compliant with the latest insurance regulations is crucial, so I utilize resources like associations such as NAIC and NIPR to remain updated on changing requirements. I also regularly review bulletins from state departments of insurance to learn about market conduct regulations. Further, I complete continuing education courses annually through The Institutes to refresh my understanding of compliance topics. When new regulations are enacted, I make it a priority to thoroughly review the changes and their implications. I also cross-verify my interpretation of guidelines with more experienced colleagues to ensure I have an accurate understanding. Being well-versed in compliance allows me to effectively serve both our customers and the company.

Question 5: How would you respond if a customer becomes frustrated about a declined claim?

Insurance agents often encounter the difficult task of informing customers when their claims have been denied. Interviewers will assess how you can calmly explain the rationale while also expressing empathy and a commitment to transparency.

Sample Answer: When informing a customer of a denied claim, I understand it’s inevitable they will feel upset or frustrated. First, I would express empathy for their situation and apologize that I cannot approve their claim. I would explain in a simple yet transparent manner why their claim did not meet approval criteria by referencing their policy’s terms and coverage limitations. However, I would assure them I will fully review the details again to see if there are any alternative solutions available. My aim is to get them the maximum benefits I can within contractual and legal parameters. I would also emphasize they can contact our customer service team for additional support and provide instructions on how to appeal the decision if desired. Though saying “no” is difficult, I believe in being honest yet compassionate when doing so.

Question 6: A customer is considering letting their policy lapse. How would you convince them to continue coverage?

Retaining customers is paramount for insurance companies. This question tests your ability to think on your feet, identify customer needs, communicate persuasively, and creatively problem-solve to change their mind.

Sample Answer: If a customer is thinking about letting their policy lapse, my first priority would be listening to understand why. I would ask open-ended yet tactful questions about their situation and reasons for considering dropping coverage. Once I understand their motivations, such as premium affordability, I could then review their circumstances to explore options like switching to a lower-cost policy. I would walk them through the risks of lapsing, such as losing hard-earned insurability or facing higher premiums if reapplying later. Ultimately, my goal is maintaining their trust in our company, so I would avoid pressure tactics and have an open conversation focused on their needs. I would work diligently to find an alternative, like financing options, that allows them to retain adequate coverage. Persuasion with empathy, not aggression, is key.

Question 7: How do you stay motivated when prospecting new potential customers?

Insurance sales often involves reaching out to numerous prospects, so persistence and resilience are crucial skills. Interviewers look for evidence of your self-motivation abilities and strategies for maintaining an optimistic mindset during rejection.

Sample Answer: Prospecting to generate new business involves hearing “no” frequently. To stay motivated, I focus on the big-picture purpose of helping safeguard families. I also set incremental milestones versus fixating on quotas, so I feel a sense of progress. Before calls, I do short visualizations of positive outcomes to prime myself for success. Throughout the day, I take brief breaks to refresh my mental focus. Most importantly, after rejection, I avoid dwelling on negatives and instead replay what went well and what I can improve next time. Having an encouraging inner dialogue is vital. I also lean on colleagues for moral support during shared challenges. With the right mindset focused on service and growth, one can power through the no’s to get to the next yes.

Question 8: Describe a time you adapted your communication style to connect better with a customer.

Insurance agents interact with diverse customers daily, requiring adaptability and emotional intelligence. With this behavioral question, interviewers assess your interpersonal skills and ability to modify how you connect with people.

Sample Answer: I once worked with a customer who was not very responsive to my normal energetic an