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  <xs:element id="gl_DebtSecuritiesMortgageBackedAndAssetBackedSecuritiesNetOfAllowanceForCreditLoss" abstract="false" name="DebtSecuritiesMortgageBackedAndAssetBackedSecuritiesNetOfAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_DebtSecuritiesAvailableForSaleFairValueMaturityAllocatedAndSingleMaturityDateAfterYearTenThroughTwenty" abstract="false" name="DebtSecuritiesAvailableForSaleFairValueMaturityAllocatedAndSingleMaturityDateAfterYearTenThroughTwenty" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_DebtSecuritiesAvailableForSaleFairValueMaturityAllocatedAndSingleMaturityDateAfterYearTwenty" abstract="false" name="DebtSecuritiesAvailableForSaleFairValueMaturityAllocatedAndSingleMaturityDateAfterYearTwenty" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_DebtSecuritiesMortgageBackedAndAssetBackedSecuritiesAtFairValue" abstract="false" name="DebtSecuritiesMortgageBackedAndAssetBackedSecuritiesAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_MortgageLoansMember" abstract="true" name="MortgageLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_PercentageChangeInGrossInvestmentIncomeOperating" abstract="false" name="PercentageChangeInGrossInvestmentIncomeOperating" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="gl_PercentageChangeInInvestmentIncomeInvestmentExpense" abstract="false" name="PercentageChangeInInvestmentIncomeInvestmentExpense" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="gl_PercentageChangeInNetInvestmentIncome" abstract="false" name="PercentageChangeInNetInvestmentIncome" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="gl_ProceedsFromSaleOfDebtSecuritiesExcludingUnsettledTradesAvailableForSale" abstract="false" name="ProceedsFromSaleOfDebtSecuritiesExcludingUnsettledTradesAvailableForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_DebtSecuritiesAvailableForSaleUnsettledTrades" abstract="false" name="DebtSecuritiesAvailableForSaleUnsettledTrades" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_DebtSecuritiesAvailableForSaleAllowanceForCreditLossProvisionsForCreditLosses" abstract="false" name="DebtSecuritiesAvailableForSaleAllowanceForCreditLossProvisionsForCreditLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_RealizedInvestmentGainsLossesBeforeRedemptionOfDebtAndOtherGainsLosses" abstract="false" name="RealizedInvestmentGainsLossesBeforeRedemptionOfDebtAndOtherGainsLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_OtherRealizedInvestmentGainsLosses" abstract="false" name="OtherRealizedInvestmentGainsLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_RealizedInvestmentGainsLossesTax" abstract="false" name="RealizedInvestmentGainsLossesTax" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_RealizedInvestmentGainsLossesNetOfTax" abstract="false" name="RealizedInvestmentGainsLossesNetOfTax" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_DebtSecuritiesAvailableForSaleNoncashSaleExchangeOfSecurities" abstract="false" name="DebtSecuritiesAvailableForSaleNoncashSaleExchangeOfSecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_DebtSecuritiesAvailableForSaleRealizedGainLossOnExchanges" abstract="false" name="DebtSecuritiesAvailableForSaleRealizedGainLossOnExchanges" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_OtherCorporateSectorsMember" abstract="true" name="OtherCorporateSectorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_PercentOfAvailableForSaleSecuritiesAtFairValueByValuationLevel" abstract="false" name="PercentOfAvailableForSaleSecuritiesAtFairValueByValuationLevel" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="gl_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAmortization" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAmortization" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetOtherAdjustmentsIncreaseDecrease" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetOtherAdjustmentsIncreaseDecrease" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_HospitalityMember" abstract="true" name="HospitalityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_RetailPropertyMember" abstract="true" name="RetailPropertyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_OtherGeographicalLocationMember" abstract="true" name="OtherGeographicalLocationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_FinancingReceivableGrossPercentage" abstract="false" name="FinancingReceivableGrossPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="gl_FinancingReceivableAllowanceForCreditLossesPercent" abstract="false" name="FinancingReceivableAllowanceForCreditLossesPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="gl_FinancingReceivableNetPercentage" abstract="false" name="FinancingReceivableNetPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="gl_DebtServiceCoverageRatioAxis" abstract="true" name="DebtServiceCoverageRatioAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="gl_DebtServiceCoverageRatioDomain" abstract="true" name="DebtServiceCoverageRatioDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_DebtServiceCoverageRatioLessThan1.00xMember" abstract="true" name="DebtServiceCoverageRatioLessThan1.00xMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_DebtServiceCoverageRatio1.00x1.20xMember" abstract="true" name="DebtServiceCoverageRatio1.00x1.20xMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_DebtServiceCoverageRatioGreaterThan1.20xMember" abstract="true" name="DebtServiceCoverageRatioGreaterThan1.20xMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_LTVLessThan70PercentMember" abstract="true" name="LTVLessThan70PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_LTV70PercentTo80PercentMember" abstract="true" name="LTV70PercentTo80PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_LTV81PercentTo90PercentMember" abstract="true" name="LTV81PercentTo90PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_LTVGreaterThan90PercentMember" abstract="true" name="LTVGreaterThan90PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_LongTermInvestmentTable" abstract="true" name="LongTermInvestmentTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="gl_CompanyOwnedLifeInsuranceMember" abstract="true" name="CompanyOwnedLifeInsuranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_LongTermInvestmentLineItems" abstract="true" name="LongTermInvestmentLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="gl_AlternativeInvestmentTable" abstract="true" name="AlternativeInvestmentTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="gl_OpportunisticAndPrivateCreditMember" abstract="true" name="OpportunisticAndPrivateCreditMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_InfrastructureMember" abstract="true" name="InfrastructureMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_AlternativeInvestmentLineItems" abstract="true" name="AlternativeInvestmentLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="gl_ExpectedLifeOfNonRedeemableFunds" abstract="false" name="ExpectedLifeOfNonRedeemableFunds" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="gl_ExtensionOptionsTermOfNonRedeemableFunds" abstract="false" name="ExtensionOptionsTermOfNonRedeemableFunds" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="gl_ExpectedLifeOfRedeemableFunds" abstract="false" name="ExpectedLifeOfRedeemableFunds" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="gl_FairValueInvestmentsEntitiesCalculatingNetAssetValuePerShareUnfundedCommitmentsIncludingFundsPastInvestmentPeriod" abstract="false" name="FairValueInvestmentsEntitiesCalculatingNetAssetValuePerShareUnfundedCommitmentsIncludingFundsPastInvestmentPeriod" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_LettersOfCreditFacilityLimit" abstract="false" name="LettersOfCreditFacilityLimit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_LifeSegmentMember" abstract="true" name="LifeSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_HealthSegmentMember" abstract="true" name="HealthSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_LiabilityForFuturePolicyBenefitRemeasurementGainLossByTypeAxis" abstract="true" name="LiabilityForFuturePolicyBenefitRemeasurementGainLossByTypeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="gl_LiabilityForFuturePolicyBenefitRemeasurementGainLossByTypeDomain" abstract="true" name="LiabilityForFuturePolicyBenefitRemeasurementGainLossByTypeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_GainLossFromExperienceMember" abstract="true" name="GainLossFromExperienceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_GainLossFromUnlockingAssumptionsMember" abstract="true" name="GainLossFromUnlockingAssumptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_UnitedAmericanIndependentMember" abstract="true" name="UnitedAmericanIndependentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_FamilyHeritageMember" abstract="true" name="FamilyHeritageMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_AmericanIncomeExclusiveMember" abstract="true" name="AmericanIncomeExclusiveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_DirectToConsumerMember" abstract="true" name="DirectToConsumerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_LibertyNationalExclusiveMember" abstract="true" name="LibertyNationalExclusiveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_LiabilityForFuturePolicyBenefitExpectedNetPremiumForeignExchangeEffect" abstract="false" name="LiabilityForFuturePolicyBenefitExpectedNetPremiumForeignExchangeEffect" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitForeignExchangeEffect" abstract="false" name="LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitForeignExchangeEffect" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_LiabilityForFuturePolicyBenefitExpectedFutureBenefitOriginalDiscountRate" abstract="false" name="LiabilityForFuturePolicyBenefitExpectedFutureBenefitOriginalDiscountRate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_LiabilityForFuturePolicyBenefitEffectOfChangesInDiscountRateAssumptions" abstract="false" name="LiabilityForFuturePolicyBenefitEffectOfChangesInDiscountRateAssumptions" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_LiabilityForFuturePolicyBenefitEffectOfOtherAdjustments" abstract="false" name="LiabilityForFuturePolicyBenefitEffectOfOtherAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_LiabilityForFuturePolicyBenefitOriginalDiscountRateAbstract" abstract="true" name="LiabilityForFuturePolicyBenefitOriginalDiscountRateAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="gl_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsuranceNet" abstract="false" name="LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsuranceNet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_LiabilityForFuturePolicyBenefitOriginalDiscountRateDeferredProfitLiability" abstract="false" name="LiabilityForFuturePolicyBenefitOriginalDiscountRateDeferredProfitLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_LiabilityForFuturePolicyBenefitOriginalDiscountRateDeferredAnnuity" abstract="false" name="LiabilityForFuturePolicyBenefitOriginalDiscountRateDeferredAnnuity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_LiabilityForFuturePolicyBenefitOriginalDiscountRateInterestSensitiveLife" abstract="false" name="LiabilityForFuturePolicyBenefitOriginalDiscountRateInterestSensitiveLife" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_LiabilityForFuturePolicyBenefitsOriginalDiscountRateOtherContracts" abstract="false" name="LiabilityForFuturePolicyBenefitsOriginalDiscountRateOtherContracts" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_LiabilityForFuturePolicyBenefitOriginalDiscountRateAfterReinsuranceAndOther" abstract="false" name="LiabilityForFuturePolicyBenefitOriginalDiscountRateAfterReinsuranceAndOther" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_LiabilityForFuturePolicyBenefitCurrentDiscountRateAbstract" abstract="true" name="LiabilityForFuturePolicyBenefitCurrentDiscountRateAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="gl_LiabilityForFuturePolicyBenefitCurrentDiscountRateBeforeReinsuranceAndOther" abstract="false" name="LiabilityForFuturePolicyBenefitCurrentDiscountRateBeforeReinsuranceAndOther" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_LiabilityForFuturePolicyBenefitCurrentDiscountRateDeferredProfitLiability" abstract="false" name="LiabilityForFuturePolicyBenefitCurrentDiscountRateDeferredProfitLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_LiabilityForFuturePolicyBenefitCurrentDiscountRateDeferredAnnuity" abstract="false" name="LiabilityForFuturePolicyBenefitCurrentDiscountRateDeferredAnnuity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_LiabilityForFuturePolicyBenefitCurrentDiscountRateInterestSensitiveLife" abstract="false" name="LiabilityForFuturePolicyBenefitCurrentDiscountRateInterestSensitiveLife" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_LiabilityForFuturePolicyBenefitCurrentDiscountRateOtherContracts" abstract="false" name="LiabilityForFuturePolicyBenefitCurrentDiscountRateOtherContracts" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_LiabilityForFuturePolicyBenefitWeightedAverageDurationOriginalDiscount" abstract="false" name="LiabilityForFuturePolicyBenefitWeightedAverageDurationOriginalDiscount" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="gl_LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumNotDiscountedBeforeCashFlowReinsurance" abstract="false" name="LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumNotDiscountedBeforeCashFlowReinsurance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumsOriginalDiscountRateBeforeCashFlowAndReinsurance" abstract="false" name="LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumsOriginalDiscountRateBeforeCashFlowAndReinsurance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumsBeforeReinsuranceAfterDiscountRateChange" abstract="false" name="LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumsBeforeReinsuranceAfterDiscountRateChange" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_LiabilityForFuturePolicyBenefitExpectedNetPremiumNotDiscountedBeforeCashFlowAndReinsurance" abstract="false" name="LiabilityForFuturePolicyBenefitExpectedNetPremiumNotDiscountedBeforeCashFlowAndReinsurance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitNotDiscountedBeforeCashFlowAndReinsurance" abstract="false" name="LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitNotDiscountedBeforeCashFlowAndReinsurance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_LiabilityForFuturePolicyBenefitDifferenceBetweenExpectedGrossPremiumsAndExpectedFutureNetPremiums" abstract="false" name="LiabilityForFuturePolicyBenefitDifferenceBetweenExpectedGrossPremiumsAndExpectedFutureNetPremiums" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_PolicyholderAccountBalanceReinsuredAmount" abstract="false" name="PolicyholderAccountBalanceReinsuredAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0400To0499Member" abstract="true" name="PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0400To0499Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0500AndGreaterMember" abstract="true" name="PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0500AndGreaterMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_AnnuitySegmentMember" abstract="true" name="AnnuitySegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_EquityExchangeTradedFundMember" abstract="true" name="EquityExchangeTradedFundMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_OtherBondsMember" abstract="true" name="OtherBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_GuaranteedAnnuityContractMember" abstract="true" name="GuaranteedAnnuityContractMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_OtherMember" abstract="true" name="OtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_FairValueInvestmentsEntitiesCalculatingNetAssetValuePercentageOwnershipByPensionPlan" abstract="false" name="FairValueInvestmentsEntitiesCalculatingNetAssetValuePercentageOwnershipByPensionPlan" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="gl_NumberOfLongTermInvestmentFunds" abstract="false" name="NumberOfLongTermInvestmentFunds" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="gl_DefinedBenefitPlanInvestmentGradeSecuritiesIssuedTerm" abstract="false" name="DefinedBenefitPlanInvestmentGradeSecuritiesIssuedTerm" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="gl_InsuranceCashValueAndInvestmentFundSupportingSupplementalPensionPlanLiabilityAbstract" abstract="true" name="InsuranceCashValueAndInvestmentFundSupportingSupplementalPensionPlanLiabilityAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="gl_InsuranceCashValueOfSupplementalPensionPlan" abstract="false" name="InsuranceCashValueOfSupplementalPensionPlan" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_InvestmentInInvestmentFund" abstract="false" name="InvestmentInInvestmentFund" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_InsuranceCashValueAndInvestmentFundSupportingSupplementalPensionPlanLiability" abstract="false" name="InsuranceCashValueAndInvestmentFundSupportingSupplementalPensionPlanLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_SeniorNotesDue2028Member" abstract="true" name="SeniorNotesDue2028Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_SeniorNotesDue2030Member" abstract="true" name="SeniorNotesDue2030Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_SeniorNotesDue2032Member" abstract="true" name="SeniorNotesDue2032Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_SeniorNotesDue2034Member" abstract="true" name="SeniorNotesDue2034Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_JuniorSubordinatedDebenturesDue2057Member" abstract="true" name="JuniorSubordinatedDebenturesDue2057Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_JuniorSubordinatedDebenturesDue2061Member" abstract="true" name="JuniorSubordinatedDebenturesDue2061Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_TermLoanDue2027Member" abstract="true" name="TermLoanDue2027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_TermLoanCreditAgreementMember" abstract="true" name="TermLoanCreditAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_LongTermDebtFaceAmountGross" abstract="false" name="LongTermDebtFaceAmountGross" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_ShortTermDebtFaceAmount" abstract="false" name="ShortTermDebtFaceAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_LongTermAndShortTermDebtFaceAmount" abstract="false" name="LongTermAndShortTermDebtFaceAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNoncurrentGross" abstract="false" name="DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNoncurrentGross" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNoncurrentNet" abstract="false" name="DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNoncurrentNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsCurrentNet" abstract="false" name="DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsCurrentNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_LongTermDebtGrossFairValue" abstract="false" name="LongTermDebtGrossFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_JuniorSubordinatedDebenturesDue2056Member" abstract="true" name="JuniorSubordinatedDebenturesDue2056Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_SeniorNotesDue2055Member" abstract="true" name="SeniorNotesDue2055Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_DebtInstrumentRedemptionOptionalRedemptionPeriodFromIssuance" abstract="false" name="DebtInstrumentRedemptionOptionalRedemptionPeriodFromIssuance" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="gl_LineOfCreditFacilityAccordionFeatureIncreaseLimit" abstract="false" name="LineOfCreditFacilityAccordionFeatureIncreaseLimit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_LineOfCreditFacilityNumberOfExtensionOptions" abstract="false" name="LineOfCreditFacilityNumberOfExtensionOptions" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="gl_DebtInstrumentExtensionTerm" abstract="false" name="DebtInstrumentExtensionTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="gl_DebtIssuanceCostsSemiAnnualFacilityFeePercentage" abstract="false" name="DebtIssuanceCostsSemiAnnualFacilityFeePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="gl_DebtInstrumentIssuanceRightTriggerThresholdEquityAttributableToParentExcludingAccumulatedOtherComprehensiveIncomeLoss" abstract="false" name="DebtInstrumentIssuanceRightTriggerThresholdEquityAttributableToParentExcludingAccumulatedOtherComprehensiveIncomeLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_FederalHomeLoanBankActivityBasedCommonStockOwnershipPercentage" abstract="false" name="FederalHomeLoanBankActivityBasedCommonStockOwnershipPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="gl_CommercialPaperIssuedDuringPeriodParValue" abstract="false" name="CommercialPaperIssuedDuringPeriodParValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_CommercialPaperMaturedDuringPeriod" abstract="false" name="CommercialPaperMaturedDuringPeriod" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_NetCommercialPaperIssuedAndMaturedDuringPeriod" abstract="false" name="NetCommercialPaperIssuedAndMaturedDuringPeriod" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_DirectResponseMember" abstract="true" name="DirectResponseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_DistributionChannelOtherMember" abstract="true" name="DistributionChannelOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_ProductPremiumAsPercentageOfSegmentPremium" abstract="false" name="ProductPremiumAsPercentageOfSegmentPremium" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="gl_InvestmentSegmentMember" abstract="true" name="InvestmentSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gl_PremiumsEarnedNetExcludingAnnuity" abstract="false" name="PremiumsEarnedNetExcludingAnnuity" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_SegmentRevenuesExcludingRealizedInvestmentGainsLosses" abstract="false" name="SegmentRevenuesExcludingRealizedInvestmentGainsLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_PolicyholderBenefitsAndClaimsIncurredNetAdjusted" abstract="false" name="PolicyholderBenefitsAndClaimsIncurredNetAdjusted" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_RequiredInterestOnPolicyReserves" abstract="false" name="RequiredInterestOnPolicyReserves" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_DeferredPolicyAcquisitionCostsAmortizationExpenseAdjusted" abstract="false" name="DeferredPolicyAcquisitionCostsAmortizationExpenseAdjusted" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_CommissionExpense" abstract="false" name="CommissionExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_PremiumTaxes" abstract="false" name="PremiumTaxes" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_NonDeferredAcquisitionCosts" abstract="false" name="NonDeferredAcquisitionCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_SegmentProfitLoss" abstract="false" name="SegmentProfitLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_ParentExpense" abstract="false" name="ParentExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_LegalProceedings" abstract="false" name="LegalProceedings" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_AnnuityOfDeferredPolicyAcquisitionCostsAndObligations" abstract="false" name="AnnuityOfDeferredPolicyAcquisitionCostsAndObligations" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_InsuranceAdministrativeExpensesTotal" abstract="false" name="InsuranceAdministrativeExpensesTotal" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_BusinessSegmentSelectedAssets" abstract="false" name="BusinessSegmentSelectedAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gl_AnnuityAndOtherCorporateSegmentAssets" abstract="false" name="AnnuityAndOtherCorporateSegmentAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
