FORM 3



    UNITED STATES SECURITIES AND EXCHANGE COMMISSION

    Washington, D.C.  20549


    INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES


    Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility

    Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940



    
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1. Name and Address of Reporting Person*


    
Adair, Charles E.

    

    
(Last)                      (First)                      (Middle)


    
2001 Third Ave South

    

    

    
(Street)

    
Birmingham,    AL   35233

    

    
(City)                      (State)                      (Zip)

    



    
2. Date of Event
Requiring Statement
    Month/Day/Year


    
04/24/2003 

    

    
3. I.R.S. Identification
    Number of Reporting
    Person, if an entity
    (voluntary)

    






    
4. Issuer Name andTicker or Trading Symbol


    
Torchmark Corporation
(TMK)

    

    	
	5. Relationship of Reporting Person(s) to Issuer


(Check all applicable)


    
X Director  
       10% Owner

    
   Officer (give title below)    

       Other (specify below)

    

    
Description    
    

    


    


6. If Amendment,
    Date of Original
    (Month/Day/Year) 


    
 



    
    
7. Individual or Joint/Group
     Filing (Check Applicable Line)

    
X   Form filed by One Reporting Person

    
     Form filed by More than One Reporting Person








    
Table I - Non-Derivative Securities Beneficially Owned







    
1. Title of Security
    (Instr. 4)




    
2. Amount of Securities Beneficially Owned

    (Instr.4)



    
3. Ownership Form:
    Direct (D)
    or
    Indirect (I)

    (Instr. 5)




    
4. Nature of Indirect Beneficial Ownership

    (Instr. 5)







	

    
Common Stock





1,000




D














	

    
Common Stock





0




I
NA
 
Table II - Derivative Securities Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
    (Instr. 4)
2. Date Exercisable(DE) and
    Expiration Date(ED)
    (Month/Day/Year)





  DE     /     ED  
3. Title and Amount of
    Underlying Securities
    (Instr. 4)





Title     /         Amount or Number of Shares
4. Conver-
    sion or
    Exercise
    Price of
    Deri-
    vative
    Security
5. Owner-
ship
Form of
Deriv-
ative
Security:
Direct (D)
or
Indirect (I)

(Instr.5) 6. Nature of
      Indirect
      Beneficial
      Ownership
      (Instr.5) Director Stock Option (Right to Buy)
10/24/2003 / 04/26/2013
Common Stock / 6,000
$38.47
D

Explanation of Responses:
 
                              POWER OF ATTORNEY


KNOW ALL BY THESE PRESENTS, that the undersigned hereby constitutes and appoints each of Carol A. McCoy, Larry M. Hutchison, Joyce L. Lane and Michael J. Klyce, signing singly, the undersigned's true and lawful attorney-in-fact to:

1.        execute for and on behalf of the undersigned, in theundersigned's capacity as an officer and/or director of Torchmark Corporation (the "Company"), Forms 3, 4, and 5 in accordance with Section 16(a) of the Securities Exchange Act of 1934 and the rules thereunder;

2.        do and perform any and all acts for and on behalf of the undersigned which may be necessary or desirable to complete and execute any such Form 3, 4, or 5, complete and execute any amendment or amendments thereto, and timely file such form with the United States Securities and Exchange Commission and any stock exchange or similar authority; and

3.        take any other action of any type whatsoever in connection with the foregoing which, in the opinion of such attorney-in-fact, may be of benefit to, in the best interest of, or legally required by, the undersigned, it being understood that the documents executed by such attorney-in-fact on behalf of the undersigned pursuant to this Power of Attorney shall be in such form and shall contain such terms and conditions as such attorney-in-fact may approve in such attorney-in-fact's discretion.

The undersigned hereby grants to each such attorney-in-fact full power and authority to do and perform any and every act and thing whatsoever requisite, necessary, or proper to be done in the exercise of any of the rights and powers herein granted, as fully to all intents and purposes as the undersigned might or could do if personally present, with full power of substitution or revocation, hereby ratifying and confirming all such attorney-in-fact, or such attorney-in-fact's substitute or substitutes, shall lawfully do or cause to be done by virtue of this power of attorney and the rights and powers herein granted. The undersigned acknowledges that the foregoing attorneys-in-fact, in serving in such capacity at the request of the undersigned, are not assuming, nor is the Company assuming, any of the undersigned's responsibilities to comply with Section 16 of the Securities and Exchange Act of 1934.

This Power of Attorney shall remain in full force and effect until the undersigned is no longer required to file Forms 3, 4, and 5 with respect to the undersigned's holdings of and transactions in securities issued by the Company, unless earlier revoked by the undersigned in a signed writing delivered to the foregoing attorneys-in-fact.

IN WITNESS WHEREOF, the undersigned has caused this Power of Attorney to be executed this 24th day of April, 2003.

                                                /s/ Charles E. Adair        
                                                    Signature

                                                    Charles E. Adair
                                                    Print Name                                                

By: Date: /s/ Charles E. Adair, By: /s/ Carol A. McCoy, Attorney-in-Fact 04/29/2003 ** Signature of Reporting Person
SEC 1473 (07-02)


Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.

* If the form is filed by more than one reporting person, see Instruction 5(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
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