Globe Life Data Breach Settlement, Check If You Qualify — In re American Income Life Insurance Co. and Globe Life Inc. Data Breach Litigation, No. 6:25-cv-00262

If Globe Life or American Income Life sent you a letter about a 2024 data incident, you’re very likely included in this settlement. There is a combined $4.66 million settlement, up to $5,072 available in cash per person depending on documented losses and time spent, plus two years of credit monitoring. The deadline to file a claim is October 19, 2026.

Globe Life Data Breach Settlement — Key Facts

Detail	Information
Settlement Amount	$4,660,000 total — up to $3,400,000 set aside for class member cash payments; the remainder covers credit monitoring, administration costs, and court-approved attorneys’ fees, costs, and service awards, paid separately
Claim Deadline	October 19, 2026
Who Qualifies	Current and former customers who received a notice letter that their personal information may have been exposed in the October 2024 Data Incident
Estimated Payout	Up to $5,000 for documented losses, plus up to $72 for lost time (four hours at $18/hour) — a combined max of $5,072, subject to pro rata reduction if total claims exceed the $3.4 million cash fund
Proof Required	Yes, for both the documented-losses and lost-time cash payments
Settlement Status	Preliminary approval granted; Final Approval Hearing scheduled for December 14, 2026
Court & Case Number	U.S. District Court for the Western District of Texas, Waco Division — No. 6:25-cv-00262
Law Alleged	UNVERIFIED — the settlement website states only that Defendants are accused of “failing to properly protect the Personal Information.” The Long Form Notice and Settlement Agreement PDFs load through a JavaScript viewer that blocked direct access at research time
Administrator	Kroll Settlement Administration LLC
Official Claim Site	aildatasettlement.com
Last Updated	August 29, 2026

Who Are Globe Life and American Income Life, and Why Are They Being Sued Over a Data Breach?

Globe Life Inc. is an insurance holding company, and American Income Life Insurance Company is its subsidiary, selling life and supplemental health coverage to hundreds of thousands of policyholders and applicants. That business model means the companies keep detailed personal and health records on file for millions of people, going back years. In October 2024, a data incident reportedly exposed a slice of those records, and both companies agreed to settle the resulting lawsuit without admitting they did anything wrong.

What Happened to Globe Life and American Income Life Customers in October 2024?

The lawsuit, In re American Income Life Insurance Co. and Globe Life Inc. Data Breach Litigation, is pending in the U.S. District Court for the Western District of Texas, Waco Division. According to the settlement website, a data incident occurred on or about October 2, 2024, potentially exposing names, physical addresses, email addresses, phone numbers, Social Security numbers, health-related information, and health insurance policy information.

That combination is worse than a typical breach. Financial data alone gets you fraud alerts. Health information mixed with a Social Security number is what scammers use for medical identity theft — filing fake claims, getting prescriptions, or billing insurers under someone else’s name.

The claim form is filed under the case caption naming plaintiff Decow, among others, against American Income Life. Neither company has admitted wrongdoing. They agreed to settle to close out the case, not because a court found against them.

This isn’t the first time a large insurer has landed in this spot. The Fidelity Investments data breach settlement followed a similar pattern last year — a financial services company, a cyberattack, and a claims-made settlement with nearly identical payout tiers.

If your information includes a Social Security number and health details together, that’s exactly the profile this settlement was built to compensate.

Who Qualifies for the Globe Life Data Breach Settlement?

Here’s exactly how to know if this case includes you.

• Anyone who received a notice letter from Globe Life or American Income Life about the October 2024 Data Incident
• Current and former policyholders and applicants whose information appears on the official Class List
• People whose file included a Social Security number, health information, or health insurance policy details tied to either company

You are not part of the class if you weren’t sent a notice, if you’re a Globe Life or American Income Life employee sued in a related capacity, or if you file a valid opt-out request by November 16, 2026.

Globe Life Data Breach Victims Outside Texas — Are You Still Covered?

Yes. Even though the case is filed in a Texas federal court, coverage is nationwide. The Class List determines who’s included, not where you currently live.

That $3.4 million fund doesn’t shrink because you live outside Texas — but it can shrink for everyone if the total valid claims run higher than expected, since payments are pro rated.

Not sure if you qualify for the Globe Life data breach settlement? A free consultation with a data privacy attorney can help before the November 16, 2026 deadline.

How Much Can Globe Life Data Breach Settlement Class Members Get? Up to $5,072 Per Person

Every Settlement Class Member is eligible for two years of credit monitoring through CyEx Financial Shield Complete, whether or not you file a cash claim.

Cash Payment A — documented losses. Up to $5,000 for out-of-pocket costs you can trace directly to the breach, backed by documentation like receipts or account statements.

Cash Payment B — lost time. Up to four hours at $18 an hour, for a maximum of $72, for time spent responding to the breach.

Both cash options draw from the same shared $3.4 million pool. More filers means each check could get smaller — the settlement doesn’t guarantee the full $5,072 to everyone who claims it. Payments over $600 may be reported on a 1099. Talk to a tax professional about what that means for you.

Attorneys’ fees, litigation costs, and service awards for the people who brought this case get paid by Globe Life and American Income Life separately from the $3.4 million fund — so a bigger fee award doesn’t shrink your check.

How to File Your Globe Life Data Breach Settlement Claim — Step by Step

1. Go to the official claim form hosted by Kroll Settlement Administration
2. Enter your name, contact details, and Class Member information as shown on your notice
3. Choose Cash Payment A, Cash Payment B, or both, depending on what applies to you
4. Upload documentation for any losses or time claimed
5. Submit and save your confirmation number
6. Watch your email — Kroll will follow up if your claim needs anything else

Takes about 10 minutes. You have until October 19, 2026 — more than 50 days out from today, so there’s time to gather your documentation, but don’t wait until the last week.

Should Globe Life Class Members Opt Out or Object Before November 16, 2026?

What Opting Out of the Globe Life Settlement Actually Means

Opting out means you get no cash payment and no credit monitoring benefit. In exchange, you keep the right to sue Globe Life and American Income Life on your own. Most people shouldn’t opt out without talking to a lawyer first. The opt-out deadline is November 16, 2026.

How to Object to the Globe Life Settlement

Objecting means you stay in the class but tell the court what you don’t like about the deal. Your written objection must be filed with the court and mailed to Class Counsel, Defendants’ Counsel, and the Settlement Administrator, postmarked no later than November 16, 2026.

Talk to a class action lawsuit attorney before November 16, 2026 if you’re weighing either option.

Globe Life Data Breach Settlement — Key Dates, 2026

Milestone	Date
Settlement Proposed	UNVERIFIED — the preliminary approval order is posted on the settlement site but was inaccessible via direct document fetch at research time
Claim Filing Deadline	October 19, 2026
Opt-Out Deadline	November 16, 2026
Objection Deadline	November 16, 2026
Final Approval Hearing	December 14, 2026
Expected Payment Date	UNVERIFIED — the settlement website does not list a specific payment date; distribution typically follows final approval and resolution of any appeals

Globe Life Data Breach — Frequently Asked Questions, No. 6:25-cv-00262

Do I need a lawyer to file a Globe Life data breach settlement claim? 

No. The online claim form at the official Kroll-administered site takes about 10 minutes. A lawyer is more useful if you’re considering opting out or objecting before November 16, 2026.

Is the Globe Life data breach settlement legitimate?

 Yes. It’s authorized by the U.S. District Court for the Western District of Texas, Waco Division, under Case No. 6:25-cv-00262, and administered by Kroll Settlement Administration LLC.

When will Globe Life settlement payments be sent?

 Not before the Final Approval Hearing on December 14, 2026, and only after any appeals are resolved. No fixed payment date has been announced.

What if I missed the Globe Life claim deadline? 

Claims must be submitted online or postmarked by mail no later than October 19, 2026. You can still keep the credit monitoring benefit as a Settlement Class Member even without filing a cash claim, but you won’t be eligible for a cash payment after that date.

Will my Globe Life settlement payment go on a 1099?

 Payments over $600 may be reported. Check with a tax professional about how a settlement payment affects your taxes.

What personal information was exposed in the Globe Life data breach?

 Names, physical addresses, email addresses, phone numbers, Social Security numbers, health-related information, and health insurance policy information were potentially exposed in the October 2024 Data Incident.

How is the Globe Life settlement different from a typical data breach settlement? 

Unlike settlements that offer a flat, no-proof cash payment, this one only offers two documented cash tiers — out-of-pocket losses and lost time — plus credit monitoring for everyone regardless of whether you file a cash claim.

How much will the lawyers in the Globe Life case get paid? 

UNVERIFIED — the settlement website confirms that court-approved attorneys’ fees, costs, and service awards are paid by the Defendants separately from the $3.4 million cash fund, but does not disclose the specific dollar amount requested. That figure is expected to appear in the Long Form Notice or fee motion once those documents are accessible.

Sources Used in This Globe Life Data Breach Article

• Official Settlement Website — In re American Income Life Insurance Co. and Globe Life Inc. Data Breach Litigation, Kroll Settlement Administration: https://www.aildatasettlement.com/
• Important Documents Page — Kroll Settlement Administration: https://www.aildatasettlement.com/documents
• Official Claim Form — Kroll Settlement Administration: https://forms.ksacms.com/efiling/fr/eform/decow_v_americanincome_claimform/new?form-version=1&fr-wizard-page=section-1
• Settlement Agreement (PDF, listed on the official site; inaccessible via direct fetch at research time due to a JavaScript document viewer) — Kroll Settlement Administration: https://www.aildatasettlement.com/files/Settlement%20Agreement.pdf

Researched and written by Israr Ahmad, legal content researcher and founder of AllAboutLawyer.com. All facts verified against the official settlement website and Important Documents page at aildatasettlement.com, administered by Kroll Settlement Administration LLC, as of August 29, 2026. Last Updated: August 29, 2026.

This article is for informational purposes only and does not constitute legal advice. Laws vary by state and individual circumstances differ. For advice about your specific situation, consult a qualified attorney.