News Release

Torchmark Corporation Announces Chief Executive Officer at Subsidiary United American

July 14, 2004

Torchmark Corporation (NYSE: TMK) announced today the election of Vern D. Herbel, 46, to Chief Executive Officer and President of United American Insurance Company of McKinney, Texas, a Torchmark subsidiary. Mr. Herbel began his career with Torchmark's Globe Life And Accident in 1986 where he was named Senior Vice President in 1996. He was elected Executive Vice President of United American in 2002.

Also announced was the promotion of Larry D. Strong, 50, to Executive Vice President and Chief Marketing Officer, General Agency Division of United American. Mr. Strong began his career with United American as an agent in Fort Wayne, Indiana in 1984. He held the position of Senior Vice President, Director of National Recruiting at the time of this promotion.

Torchmark Corporation is a holding company specializing in life and supplemental health insurance for "middle income" Americans marketed through multiple distribution channels including direct response, and exclusive and independent agencies. Subsidiary Globe Life And Accident is a nationally recognized direct-response provider of life insurance known for its administrative efficiencies. American Income Life is nationally recognized for providing individual life insurance to labor union members. Liberty National Life, one of the oldest traditional life insurers in the Southeast, is the largest life insurer in its home state of Alabama. United American has been a nationally recognized provider of Medicare supplement health insurance since 1966.

SOURCE Torchmark Corporation

CONTACT: Joyce Lane, Vice President, Investor Relations of Torchmark Corporation, +1-972-569-3627, or fax, +1-972-569-3282, or

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