Torchmark aims to be a beacon in the world of insurance. It is the holding company for a family of firms; its member companies specialize in lower-end individual life insurance and supplemental health insurance. Torchmark subsidiaries, which include flagship Liberty National Life, offer whole and term life insurance, supplemental health insurance, accidental death insurance, Medicare supplements, and long-term care health policies for the elderly. Its American Income Life sells life insurance policies to labor union and credit union members in the US, Canada, and New Zealand. Torchmark sells its products through direct marketing, as well as a network of exclusive and independent agents.