Le Lézard
Classified in: Business
Subjects: ERN, ERP

GLOBE LIFE INC. REPORTS FOURTH QUARTER 2023 RESULTS


MCKINNEY, Texas, Feb. 7, 2024 /PRNewswire/ -- Globe Life Inc. (NYSE: GL) reported today that for the quarter ended December 31, 2023, net income was $2.88 per diluted common share, compared with $2.46 per diluted common share for the year-ago quarter. Net operating income for the quarter was $2.80 per diluted common share, compared with $2.55 per diluted common share for the year-ago quarter.

Net income for the year ended December 31, 2023 was $10.07 per diluted common share, compared with $9.04 per diluted common share for the year-ago period. Net operating income for the year ended December 31, 2023 was $10.65 per diluted common share compared with $9.71 per diluted common share for the year-ago period.

The results included herein reflect the adoption of ASU 2018-12, Financial Services - Insurance (Topic 944): Targeted Improvements to the Accounting for Long-Duration Contracts (LDTI). Globe Life Inc. implemented the standard on January 1, 2023 using the modified retrospective transition method at adoption. As a result of this election, the prior year figures have been restated as of January 1, 2021 with impacts to Shareholders' Equity, underwriting margins and net income.

HIGHLIGHTS:

Note: As used in the earnings release, "Globe Life," the "Company," "we," "our," and "us" refer to Globe Life Inc., a Delaware corporation incorporated in 1979, its subsidiaries and affiliates.

 

GLOBE LIFE INC.

Earnings Release?Q4 2023

(Dollar amounts in thousands, except share and per share data)

(Unaudited)


RESULTS OF OPERATIONS


Net operating income, a non-GAAP(1) financial measure, has been used consistently by Globe Life's management for many years to evaluate
the operating performance of the Company, and is a measure commonly used in the life insurance industry. It differs from net income primarily
because it excludes certain non-operating items such as realized investment gains and losses and certain significant and unusual items included
in net income. Management believes an analysis of net operating income is important in understanding the profitability and operating trends of the
Company's business. Net income is the most directly comparable GAAP measure.


The following table represents Globe Life's operating summary for the three months ended December 31, 2023 and 2022:


Operating Summary


Per Share








Three Months Ended

December 31,




Three Months Ended

December 31,




2023


2022


%

Chg.


2023


2022


%

Chg.

Insurance underwriting income(2)

$              3.43


$              3.18


8


$       327,825


$       314,131


4

Excess investment income(2)

0.38


0.31


23


35,824


30,716


17

Interest on debt

(0.27)


(0.25)


8


(25,676)


(24,658)


4

Parent company expense

(0.03)


(0.03)




(2,612)


(3,067)



Income tax expense

(0.68)


(0.63)


8


(64,993)


(61,744)


5

Stock compensation benefit (expense), net of tax

(0.03)


(0.04)




(2,955)


(4,057)



Net operating income

2.80


2.55


10


267,413


251,321


6













Reconciling items, net of tax:












Realized gain (loss)?investments

0.11


(0.08)




10,496


(7,665)



Non-operating expenses

(0.03)


?




(2,396)


(460)



Legal proceedings

(0.01)


(0.01)




(711)


(853)



Net income(3)

$              2.88


$              2.46




$       274,802


$       242,343















Weighted average diluted shares outstanding

95,464


98,640










(1)  GAAP is defined as accounting principles generally accepted in the United States of America.

(2)  Definitions included within this document.

(3)  A GAAP-basis condensed consolidated statement of operations is included in the appendix of this report.


Note: Tables in this earnings release may not sum due to rounding.

 

GLOBE LIFE INC.

Earnings Release?Q4 2023

(Dollar amounts in thousands, except share and per share data)

(Unaudited)


The following table represents Globe Life's operating summary for the year ended December 31, 2023 and 2022:


Operating Summary


Per Share








Year Ended December 31,




Year Ended December 31,




2023


2022


%

Chg.


2023


2022


%

Chg.

Insurance underwriting income

$            13.27


$            12.32


8


$    1,278,548


$    1,219,078


5

Excess investment income

1.35


1.06


27


130,382


104,589


25

Interest on debt

(1.06)


(0.91)


16


(102,316)


(90,395)


13

Parent company expense

(0.11)


(0.11)




(10,866)


(11,156)



Income tax expense

(2.59)


(2.41)


7


(249,546)


(238,177)


5

Stock compensation benefit (expense), net of tax

(0.20)


(0.23)




(19,558)


(22,912)



Net operating income

10.65


9.71


10


1,026,644


961,027


7













Reconciling items, net of tax:












Realized gain (loss)?investments

(0.54)


(0.61)




(51,884)


(60,473)



Non-operating expenses

(0.03)


(0.04)




(3,294)


(4,196)



Legal proceedings

(0.01)


(0.02)




(711)


(1,972)



Net income

$            10.07


$              9.04




$       970,755


$       894,386















Weighted average diluted shares outstanding           

96,364


98,985









 

GLOBE LIFE INC.

Earnings Release?Q4 2023

(Dollar amounts in thousands, except share and per share data)

(Unaudited)


MANAGEMENT VS. GAAP MEASURES


Shareholders' equity, excluding AOCI, and book value per share, excluding AOCI, are non-GAAP measures that are utilized by management to view
the business without the effect of changes in AOCI, which are primarily attributable to fluctuation in interest rates. Management views the business in
this manner because it creates more meaningful and easily identifiable trends, as we exclude fluctuations resulting from changes in interest rates.
Shareholders' equity and book value per share are the most directly comparable GAAP measures. 



Year Ended

December 31,


2023


2022

Net income

$        970,755


$        894,386

Net operating income

1,026,644


961,027

Net income as an ROE(1)

23.2 %


29.2 %

Net operating income as an ROE (excluding AOCI)(1)

14.7 %


14.8 %






December 31,


2023


2022

Shareholders' equity

$     4,486,803


$     3,949,577

Impact of adjustment to exclude AOCI

2,772,419


2,790,313

Shareholders' equity, excluding AOCI

$     7,259,222


$     6,739,890





Book value per share

$            47.10


$            40.05

Impact of adjustment to exclude AOCI

29.11


28.30

Book value per share, excluding AOCI

$            76.21


$            68.35


(1) Calculated using average shareholders' equity for the measurement period. 

INSURANCE OPERATIONS: 

Life insurance accounted for 75% of the Company's insurance underwriting margin for the quarter and 70% of total premium revenue. 

Health insurance accounted for 24% of the Company's insurance underwriting margin for the quarter and 30% of total premium revenue.

Net sales of life insurance increased 3% for the quarter, and net health sales increased 21%. 

The following table summarizes Globe Life's premium revenue by product type for the three months ended December 31, 2023 and 2022:

GLOBE LIFE INC.

Earnings Release?Q4 2023

(Dollar amounts in thousands, except share and per share data)

(Unaudited)

 


Insurance Premium Revenue


Quarter Ended


December 31,
2023


December 31,
2022


%

Chg.

Life insurance

$           794,815


$           762,929


4

Health insurance               

335,857


326,020


3

Annuity

?


?



Total

$        1,130,672


$        1,088,949


4

 

INSURANCE UNDERWRITING INCOME


Insurance underwriting margin is management's measure of profitability of the Company's life, health, and annuity segments' underwriting performance, 
and consists of premiums less policy obligations (excluding interest on policy liabilities), commissions and other acquisition expenses. Insurance 
underwriting income is the sum of the insurance underwriting margins of the life, health, and annuity segments, plus other income, less administrative 
expenses. It excludes the investment segment, interest on debt, Parent Company expense, stock compensation expense and income taxes.
Management believes this information helps provide a better understanding of the business and a more meaningful analysis of underwriting results by
distribution channel. Insurance underwriting income, a non-GAAP measure, is a component of net operating income, which is reconciled to net income
in the Results of Operations section above.


The following table summarizes Globe Life's insurance underwriting income by segment for the three months ended December 31, 2023 and 2022:


Insurance Underwriting Income


Quarter Ended


December 31,
2023


% of

Premium


December 31,
2022


% of

Premium


%

Chg.

Insurance underwriting margins:










Life

$            305,480


38


$            292,922


38


4

Health

97,486


29


96,224


30


1

Annuity

1,946




2,629






404,912




391,775




3

Other income

123




384





Administrative expenses

(77,210)




(78,028)




(1)

Insurance underwriting income

$            327,825




$            314,131




4

Per share

$                  3.43




$                  3.18




8

The ratio of administrative expenses to premium was 6.8%, compared with 7.2% for the year-ago quarter.

GLOBE LIFE INC.

Earnings Release?Q4 2023

(Dollar amounts in thousands, except share and per share data)

(Unaudited)


LIFE INSURANCE RESULTS BY DISTRIBUTION CHANNEL 


Our distribution channels consist of the following exclusive agencies: American Income Life Division (American Income), Liberty National Division
(Liberty National) and Family Heritage Division (Family Heritage); an independent agency, United American Division (United American); and our
Direct to Consumer Division (Direct to Consumer).


Total premium, underwriting margins, first-year collected premium and net sales by all distribution channels are shown at
https://investors.globelifeinsurance.com at "Financial Reports and Other Financial Information."


Life Underwriting Margin


Quarter Ended




December 31,




2023


2022




Amount


% of
Premium


Amount


% of
Premium


%
Chg.

American Income

$       183,176


45


$       174,755


46


5

Direct to Consumer

59,241


24


60,344


24


(2)

Liberty National

31,144


35


26,768


32


16

Other

31,919


62


31,055


59


3

Total

$       305,480


38


$       292,922


38


4


Life Premium


Quarter Ended




December 31,




2023


2022


%

Chg.

American Income

$       406,356


$       380,922


7

Direct to Consumer                                                                                                                                     

247,274


246,471


?

Liberty National

89,700


83,320


8

Other

51,485


52,216


(1)

Total

$       794,815


$       762,929


4



Life Net Sales(1)


Quarter Ended




December 31,




2023


2022


%

Chg.

American Income

$         76,323


$         69,796


9

Direct to Consumer           

25,861


30,676


(16)

Liberty National

26,046


23,252


12

Other

2,188


2,568


(15)

Total

$       130,418


$       126,292


3



(1)

Net sales is calculated as annualized premium issued, net of cancellations in the first thirty days after issue, except in the case of Direct to Consumer,
where net sales is annualized premium issued at the time the first full premium is paid after any introductory offer period has expired. Management
considers net sales to be a better indicator of the rate of premium growth than annualized premium issued.

 

GLOBE LIFE INC.

Earnings Release?Q4 2023

(Dollar amounts in thousands, except share and per share data)

(Unaudited)


HEALTH INSURANCE RESULTS BY DISTRIBUTION CHANNEL


Health Underwriting Margin


Quarter Ended




December 31,




2023


2022




Amount


% of
Premium


Amount


% of
Premium


%
Chg.

United American

$         14,180


10


$         16,908


12


(16)

Family Heritage

35,633


35


31,921


34


12

Liberty National

27,157


57


27,024


58


?

American Income

19,080


62


18,360


62


4

Direct to Consumer          

1,436


8


2,011


11


(29)

Total

$         97,486


29


$         96,224


30


1


Health Premium


Quarter Ended




December 31,




2023


2022


%

Chg.

United American

$       138,586


$       137,908


?

Family Heritage

102,180


94,391


8

Liberty National

47,416


46,678


2

American Income

30,676


29,423


4

Direct to Consumer                                                   

16,999


17,620


(4)

Total

$       335,857


$       326,020


3



Health Net Sales(1)


Quarter Ended




December 31,




2023


2022


%

Chg.

United American

$         28,155


$         20,110


40

Family Heritage

25,228


22,432


12

Liberty National

9,349


8,612


9

American Income

4,235


3,921


8

Direct to Consumer

2,220


2,188


1

Total

$         69,187


$         57,263


21



(1)

Net sales is calculated as annualized premium issued, net of cancellations in the first thirty
days after issue, except in the case of Direct to Consumer, where net sales is annualized
premium issued at the time the first full premium is paid after any introductory offer period
has expired. Management considers net sales to be a better indicator of the rate of premium
growth than annualized premium issued.

 

GLOBE LIFE INC.

Earnings Release?Q4 2023

(Dollar amounts in thousands, except share and per share data)

(Unaudited)


PRODUCING EXCLUSIVE AGENT COUNT RESULTS BY DISTRIBUTION CHANNEL 



Quarterly Average

Producing Agent Count(1)


Quarter Ended




Quarter Ended


December 31,




September 30,


2023


2022


%
Chg.


2023

American Income                                               

11,131


9,243


20


10,983

Liberty National

3,387


2,946


15


3,339

Family Heritage

1,368


1,334


3


1,323



(1)

The quarterly average producing agent count is based on the actual count at the beginning
and end of each week during the period.

 

INVESTMENTS 


Management uses excess investment income as the measure to evaluate the performance of the investment segment. It is defined as net
investment income less the required interest attributable to policy liabilities. We also view excess investment income per diluted common
share as an important and useful measure to evaluate performance of the investment segment, since it takes into consideration our stock
repurchase program. 


The following table summarizes Globe Life's investment income, excess investment income, and excess investment income per diluted
common share.


Excess Investment Income


Quarter Ended


December 31,


2023


2022


%

Chg.

Net investment income

$        271,609


$       255,483


6

Interest on policy liabilities(1)

(235,785)


(224,767)


5

Excess investment income

$          35,824


$         30,716


17

Per share

$              0.38


$             0.31


23



(1)

Interest on policy liabilities is a component of total policyholder benefits, a GAAP measure. The amounts presented for 2022 have
been retrospectively adjusted to exclude the interest on deferred acquisition costs due to the LDTI standard and the interest on debt.

Net investment income increased 6.3%, and average invested assets increased 3.7%. Required interest on policy liabilities increased 4.9%, and average policy liabilities increased 4.5%.

GLOBE LIFE INC.

Earnings Release?Q4 2023

(Dollar amounts in thousands, except share and per share data)

(Unaudited)


The composition of the investment portfolio at book value at December 31, 2023 is as follows:


Investment Portfolio


As of


December 31, 2023


Amount


% of Total

Fixed maturities at fair value(1)

$      17,870,206


91

Mortgage loans

279,199


1

Policy loans

657,020


3

Other long-term investments(2)

835,878


4

Short-term investments

81,740


?

Total

$      19,724,043





(1)

As of December 31, 2023, fixed maturities at amortized cost were $18.9 billion, net of $7.1
million of allowance for credit losses.

(2)

Includes $796 million of investments accounted for under the fair value option which have
a cost of $763 million as of December 31, 2023.

 

Fixed maturities at amortized cost, net of allowance for credit losses, by asset class as of December 31, 2023 are as follows:




Fixed Maturity Portfolio by Sector



As of



December 31, 2023



Investment
Grade


Below
Investment
Grade


Total
Amortized
Cost, net


Corporate bonds

$    14,574,424


$         480,705


$    15,055,129


Municipals

3,296,305


?


3,296,305


Government, agencies and GSEs

442,903


?


442,903


Collateralized debt obligations

?


37,110


37,110


Other asset-backed securities

74,656


11,696


86,352


Total

$    18,388,288


$         529,511


$    18,917,799


Below are fixed maturities available for sale by amortized cost, allowance for credit losses, and fair value at December 31, 2023 and the corresponding amounts of net unrealized gains and losses recognized in accumulated other comprehensive income (loss).

As of

 

Amortized

Cost


Allowance for
Credit Losses


Net Unrealized
Gains
(Losses)


Fair

 Value

December 31, 2023

$                 18,924,914


$              (7,115)


$      (1,047,593)


$      17,870,206

At amortized cost, net of allowance for credit losses, 97% of fixed maturities (97% at fair value) were rated "investment grade." The fixed maturity portfolio earned an annual taxable equivalent effective yield of 5.23% during the fourth quarter of 2023, compared with 5.18% in the year-ago quarter.

Globe Life is not a party to any credit default swaps and does not participate in securities lending.

GLOBE LIFE INC.

Earnings Release?Q4 2023

(Dollar amounts in thousands, except share and per share data)

(Unaudited)


Comparable information for acquisitions of fixed maturity investments is as follows:


Fixed Maturity Acquisitions


Quarter Ended


December 31,


2023


2022

Amount

$      443,385


$      238,845

Average annual effective yield

6.6 %


6.1 %

Average rating

BBB+


A

Average life (in years) to:




Next call

20.3


16.5

Maturity

23.2


20.9

SHARE REPURCHASE:

During the quarter, the Company repurchased 660,170 shares of Globe Life Inc. common stock at a total cost of $77 million and an average share price of $117.02.

For the year ended December 31, 2023, the Company repurchased 3.4 million shares of Globe Life Inc. common stock at a total cost of $380 million and an average share price of $112.84.

LIQUIDITY/CAPITAL: 

Globe Life's operations consist primarily of writing basic protection life and supplemental health insurance policies which generate strong and stable cash flows. These cash flows are not impacted by volatile equity markets. Liquidity at the Parent Company is sufficient to meet additional capital needs of the insurance companies.

EARNINGS GUIDANCE FOR THE YEAR ENDING DECEMBER 31, 2024: 

Globe Life projects net operating income between $11.30 to $11.80 per diluted common share for the year ending December 31, 2024. 

NON-GAAP MEASURES: 

In this news release, Globe Life includes non-GAAP measures to enhance investors' understanding of management's view of the business. The non-GAAP measures are not a substitute for GAAP, but rather a supplement to increase transparency by providing broader perspective. Globe Life's definitions of non-GAAP measures may differ from other companies' definitions. More detailed financial information, including various GAAP and non-GAAP measurements, is located at https://investors.globelifeinsurance.com on the Investors page under "Financial Reports and Other Financial Information."

CAUTION REGARDING FORWARD-LOOKING STATEMENTS: 

This press release may contain forward-looking statements within the meaning of the federal securities laws. These prospective statements reflect management's current expectations, but are not guarantees of future performance. Whether or not actual results differ materially from forward-looking statements may depend on numerous foreseeable and unforeseeable events or developments, which may be national in scope, related to the insurance industry generally, or applicable to the Company specifically. Such events or developments could include, but are not necessarily limited to:

1) Economic and other conditions, including the continued impact of inflation, geopolitical events, and the recent pandemic on the U.S. economy, leading to unexpected changes in lapse rates and/or sales of our policies, as well as levels of mortality, morbidity, and utilization of health care services that differ from Globe Life's assumptions;

2) Regulatory developments, including changes in accounting standards or governmental regulations (particularly those impacting taxes and changes to the Federal Medicare program that would affect Medicare Supplement);

3) Market trends in the senior-aged health care industry that provide alternatives to traditional Medicare (such as Health Maintenance Organizations and other managed care or private plans) and that could affect the sales of traditional Medicare Supplement insurance;

4) Interest rate changes that affect product sales, financing costs, and/or investment portfolio yield;

5) General economic, industry sector or individual debt issuers' financial conditions (including developments and volatility arising from geopolitical events, particularly in certain industries that may compromise part of our investment portfolio) that may affect the current market value of securities we own, or that may impair an issuer's ability to make principal and/or interest payments due on those securities;

6) Changes in the competitiveness of the Company's products and pricing;

7) Litigation results;

8) Levels of administrative and operational efficiencies that differ from our assumptions (including any reduction in efficiencies resulting from increased costs arising from the impact of higher than anticipated inflation);

9) The ability to obtain timely and appropriate premium rate increases for health insurance policies from our regulators;

10) The customer response to new products and marketing initiatives;

11) Reported amounts in the consolidated financial statements which are based on management estimates and judgments which may differ from the actual amounts ultimately realized;

12) Compromise by a malicious actor or other event that causes a loss of secure data from, or inaccessibility to, our computer and other information technology systems;

13) The severity, magnitude, and impact of natural or man-made catastrophic events, including but not limited to pandemics, tornadoes, hurricanes, earthquakes, war and terrorism, on our operations and personnel, commercial activity and demand for our products; and

14) Globe Life's ability to access the commercial paper and debt markets, particularly if such markets become unpredictable or unstable for a certain period.

Readers are also directed to consider other risks and uncertainties described in other documents on file with the Securities and Exchange Commission. Globe Life specifically disclaims any obligation to update or revise any forward-looking statement because of new information, future developments or otherwise.

EARNINGS RELEASE CONFERENCE CALL WEBCAST: 

Globe Life will provide a live audio webcast of its fourth quarter 2023 earnings release conference call with financial analysts at 11:00 am (Eastern) tomorrow, February 8, 2024. Access to the live webcast and replay will be available at https://investors.globelifeinsurance.com on the Calls and Meetings page, at the Conference Calls on the Web icon. Immediately following this press release, supplemental financial reports will be available before the conference call on the Investors page menu of the Globe Life website at "Financial Reports."  

APPENDIX


GLOBE LIFE INC.

GAAP CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS



Three Months Ended

December 31,


Year Ended

December 31,


2023


2022(3)


2023


2022(3)

Revenue:








Life premium

$         794,815


$         762,929


$     3,137,244


$     3,027,824

Health premium

335,857


326,020


1,318,773


1,282,417

Other premium

?


?


?


1

Total premium

1,130,672


1,088,949


4,456,017


4,310,242

Net investment income

271,609


255,483


1,056,884


991,800

Realized gains (losses)

13,287


(9,703)


(65,676)


(76,548)

Other income

123


384


308


1,246

Total revenue

1,415,691


1,335,113


5,447,533


5,226,740









Benefits and expenses:








Life policyholder benefits(1)

514,472


501,967


2,050,789


2,035,693

Health policyholder benefits(2)

195,686


191,364


776,362


752,866

Other policyholder benefits

9,612


8,947


37,100


36,875

Total policyholder benefits

719,770


702,278


2,864,251


2,825,434

Amortization of deferred acquisition costs

97,541


90,131


379,700


348,824

Commissions, premium taxes, and non-deferred acquisition costs

144,234


129,532


559,167


506,022

Other operating expense

91,759


91,804


347,833


353,954

Interest expense

25,676


24,658


102,316


90,395

Total benefits and expenses

1,078,980


1,038,403


4,253,267


4,124,629









Income before income taxes

336,711


296,710


1,194,266


1,102,111

Income tax benefit (expense)

(61,909)


(54,367)


(223,511)


(207,725)

Net income

$          274,802


$          242,343


$         970,755


$         894,386









Basic net income per common share

$                2.92


$                2.50


$             10.21


$               9.13









Diluted net income per common share

$                2.88


$                2.46


$             10.07


$               9.04



(1)

Net of remeasurement gain of $12.9 million for the three months ended December 31, 2023, and a remeasurement gain of $1.9 million for the
same period in 2022. Net of remeasurement gain of $29.4 million for the year ended December 31, 2023, and a remeasurement loss of $47.4
million for the same period in 2022.

(2)

Net of remeasurement gain of $3.5 million for the three months ended December 31, 2023, and a remeasurement gain of $1.8 million for the
same period in 2022. Net of remeasurement gain of $11.8 million for the year ended December 31, 2023, and a remeasurement gain of $15.6
million for the same period in 2022.

(3)

The amounts presented for 2022 have been retrospectively restated due to the adoption of ASU 2018-12.

 

SOURCE Globe Life Inc.


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