News Release

Torchmark Subsidiary United American Receives Medicare Part D Prescr Drug Plans Approval From CMS

September 07, 2005

Torchmark Corporation (NYSE: TMK) announced today that its subsidiary United American Insurance Company has received Medicare Part D Prescription Drug plans approval from the Centers for Medicare and Medicaid Services (CMS). Plans were approved in all regions of all states except Alaska and Hawaii, and United American will be assigned a portion of certain subsidized Medicare beneficiaries in Arkansas and Wisconsin. Medicare Part D plans can first be marketed in October 2005, with enrollments beginning November 15. Coverage under the program begins January 1, 2006.

United American has been a widely recognized writer of individual Medicare supplement insurance for many years. While it is too early to predict how many Medicare beneficiaries will join the Part D program, United American plans to market the prescription drug product to its existing 300 thousand Medicare supplement policyholders and to other Medicare beneficiaries through its multiple distribution channels including exclusive agents, independent agents/brokers and direct response.

Medco Health Solutions, Inc., one of the country's top pharmacy benefit managers, will provide comprehensive pharmacy benefit management services to United American's Part D enrollees. Medco is a leader in managing prescription drug programs that are designed to drive down the cost of pharmacy healthcare for private and public employers, health plans, labor unions and government agencies of all sizes. Medco operates the nation's largest mail-order and Internet pharmacies and has been recognized for setting new industry benchmarks for pharmacy dispensing quality.

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. Torchmark has several nationally recognized insurance subsidiaries. Globe Life And Accident is a direct-response provider of life insurance known for its administrative efficiencies. American Income Life provides 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 provider of Medicare supplement health insurance since 1966.

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. Accordingly, please refer to Torchmark's cautionary statement regarding forward-looking statements, and the business environment in which the Company operates, contained in the Company's Form 10-K for the period ended December 31, 2004, and subsequent Forms 10-Q, on file with the Securities and Exchange Commission, and on the Company's web site at on the Investor Relations page. Torchmark specifically disclaims any obligation to update or revise any forward-looking statement because of new information, future developments or otherwise.

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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