Globe Life amends SERP; revises early retirement factors and adds change-of-control vesting

GLOBE LIFE INC.

New early retirement reduction factors: 50% at age 55, stepping up to 100% at age 65.
Participants in Executive Severance Plan with Qualifying Termination during Change-of-Control Protection Period become vested and eligible for Retirement Income.
Benefit calculation assumes retirement age at least 55, vested pension, no additional credited service.
Amendment effective November 5, 2025.

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