I.	A director who is an employee, or whose immediate family member is an executive officer, of Torchmark is not "independent" until three years after the end of such employment relationship.
II.	A director who receives, or whose immediate family member receives, more than $100,000 in any twelve month period in direct compensation from Torchmark other than director and committee fees and pension or other forms of deferred compensation for prior service (provided such compensation is not contingent in any way on continued service), is not "independent" until three years after he or she ceases to receive more than $100,000 in any twelve month period in such compensation.
III.	A director or a director's immediate family member who is a current partner of the firm that is Torchmark's internal or external auditor; a director who is a current employee of Torchmark's internal or external audit firms; a director who has an immediate family member who is a current employee at such a firm and who participates in that firm's audit, assurance or tax compliance (but not tax planning) practices; or a director or a director's immediate family member who was within the last three years (but is no longer) a partner or employee of such a firm and personally worked on Torchmark's audit during that time will not be deemed "independent."
IV.	A director who is employed, or whose immediate family member is employed, as an executive officer of another company where any of Torchmark's present executive officers serve on that company's compensation committee is not "independent" until three years after the end of such service or the employment relationship.
V.	A director who is a current employee, or whose immediate family member is a current executive officer, of a company that makes payments to, or receives payments from, Torchmark for property or services in an amount which, in any single fiscal year, exceeds the greater of $1 million, or 2% of such other company's consolidated gross revenues, is not "independent" until three years after falling below such threshold.

The Board of Directors further adopted the following additional categorical standards for determining director independence on February 23, 2005, which were reviewed, amended and restated on February 20, 2007.

1.	An independent director does not directly or indirectly beneficially own more than 10% of any class of Torchmark's equity securities.
2.	If a Torchmark director is an executive officer of another company in which Torchmark owns a common stock interest in excess of 5% of total shareholder's equity, or where the other company owns a common stock interest in Torchmark in excess of 5% of total shareholder's equity, the director is not independent.
3.	An independent director is not and is not affiliated with an entity that is an adviser or consultant to Torchmark or a member of Torchmark's senior management.
4.	An independent director has no personal services contract(s) with Torchmark or a member of senior management of Torchmark.
5.	An independent director is not affiliated with a not-for-profit entity that receives significant contributions from Torchmark (defined as the greater of $1 million or 2% of the not-for-profit entity's consolidated gross revenues).
6.	An independent director is not employed by a public company at which an executive officer of Torchmark serves as a director.
7.	If a Torchmark director is an executive officer of another company that is indebted to Torchmark, or to which Torchmark is indebted, and the total amount of either company's indebtedness to the other is greater than 5% of the total consolidated assets of the company that he/she serves as an executive officer, the director is not independent.
8.	A director elected pursuant to any arrangement or understanding with another person or group is not an independent director.
9.	An independent director does not serve, and has no immediate family member who has served, as an executive officer or general partner of an entity that has received an investment from Torchmark or any of its subsidiaries, where such investment exceeds $1 million or 2% of such entity's invested capital, whichever is greater, in any of the last three years.
10.	An independent director does not have, nor may any immediate family member have, any direct or indirect material interest in a transaction or series of transactions to which Torchmark or a subsidiary is a party in which the transaction amount exceeds $120,000 (other than interests arising solely from an aggregate ownership interest of less than 10% of Torchmark or an entity furnishing services to Torchmark).
11.	An independent director has not, and his/her immediate family members have not, accepted or agreed to accept from Torchmark any consulting, advisory or other compensatory fee except fees received for service as a director.