The Torchmark Corporation, "incorporated in November 1979, is an insurance holding company. Its subsidiaries are American Income Life Insurance Company, Liberty National Life Insurance Company (Liberty National), Globe Life And Accident Insurance Company, United American Insurance Company and United Investors Life Insurance Company."
"Torchmark's insurance subsidiaries are licensed to sell insurance in all 50 states, the District of Columbia, Puerto Rico, the Virgin Islands, Guam, New Zealand and Canada. Distribution is through direct response, independent and exclusive agents."
"Liberty National's agents sell life and health insurance, primarily in the seven-state area of Alabama, Florida, Georgia, Tennessee, Mississippi, South Carolina and North Carolina. This operation emphasizes bank draft and direct billing collection of premium rather than agent collection because of the resulting lower cost and improved persistency."