Internet Privacy Policy
Privacy Policy
Your privacy is important to us. We created this Privacy Policy for American Income Life Insurance Company (“AIL”) to explain how we collect, use, share, and retain the information we collect from and about you on our website. This policy is limited to this website; AIL does not have control over the privacy policies of other websites, including those which you may access via links on the AIL website. PLEASE NOTE THAT BY CONTINUING TO USE THIS SITE, YOU ARE PROVIDING YOUR CONSENT TO THE COLLECTION, USE, DISCLOSURE, AND RETENTION OF PERSONAL INFORMATION AS SET OUT IN THIS PRIVACY POLICY. IN SOME CASES, YOUR CONSENT MAY BE “IMPLIED” I.E. YOUR PERMISSION IS ASSUMED BASED ON YOUR ACTION OR INACTION AT THE POINT OF COLLECTION, USE OR SHARING OF YOUR PERSONAL INFORMATION.
Personal Information
Personal information includes any information that can be used to identify or contact you, such as your name, address, email address, telephone number, or Social Security/Insurance number. AIL does not collect personal information unless it is voluntarily provided. We may use personal information only as required or permitted by law, including to verify your identity or to respond to requests or inquiries from you.
Information Collection
AIL does not sell, share, or rent information collected on this site to others in ways different from what is disclosed on this Privacy Policy.
We limit the collection of personal information to what is reasonably required to fulfill the purposes for which it was collected. We collect personal information in the following ways:
Information You Provide Directly to Us
We collect information that you provide to us when you inquire about or purchase products and/or services through this website or your use of any of our programs, content, or materials. If you refuse to provide any requested information (whether or not required), you may not be able to take full advantage of the website and its features.
Information Provided from Third Parties
We may also collect personal information about you from third parties, such as consumer reporting agencies, your contacts, a social media site, or a plug-in you use to log into or connect to this website. We may associate or combine the information you provide through this website with the information collected from third parties.
Social Media
We may use different social media websites and applications to interact with you. Any information collected about you from our interactions with you or other users (e.g., any users who are connections of yours) is subject to the requirements and restrictions set out in our social media best practices.
Information Automatically Collected
When you use this website, the server may automatically recognize you by a “cookie” or other tracking technology. These technologies act as unique identifiers and allow us to tailor this website to your specified interests and keep track of your activity on this website. This information may be added to your user profile and used to deliver offers and advertisements that we believe are relevant to your interests. For more information about how we use cookies, please visit our Cookie Policy.
Furthermore, we may retrieve certain information from your browser (e.g., browser type, referrer URL, date and time of your visit, IP address) and device (e.g., MAC address, device type, screen resolution, and OS version). We use this information to monitor the performance of this website, analyze traffic patterns and usage, ensure that this website, and any related transactions function properly, and that they gather demographic information about our user base as a whole. This information may also be appended to your user profile so that we may further tailor this website to your interests and send you offers based on such information.
Our advertisers, publishers, and other third-party partners may also utilize third-party cookies and other tracking technologies like clear pixel GIFs (i.e., Web beacons) to identify you and monitor your activity on our website. We and our third-party partners may use these technologies to measure responses to e-mails and page views on this website and on our third-party partners’ websites. You can opt out of some of our third-party partners’ use of cookies and other technologies at http://optout.aboutads.info.
Tracking Options and California Do Not Track Disclosures
Certain parts of this website require “cookie” technologies (e.g., pixel tags), and we may use them to deliver more relevant advertising and to link data collected across other devices you use. You can adjust your settings to limit tracking (e.g., cookies or pixel tags), but as a result, you may not be able to use certain features of this website or take full advantage of all of our offerings. Please refer to your device or browser settings for more information on how to delete or decline cookies and control your tracking preferences. This website does not respond to do not track signals from most browsers.
Information Use
We may use your information to:
- Respond to your inquiries and communicate with you regarding the insurance products that you inquired about or purchased (e.g., emails, fulfillment mailings, newsletters);
- Help underwrite and provide accurate insurance premium rate quotes;
- Provide insurers with the required information for applications;
- Market to you and keep you informed of our products and services we think may be of interest to you;
- Provide, maintain, and improve customer service;
- Tailor your experience with services that correspond with your interests;
- Develop new products and enhance and websites; or
- Allow you to send messages to a friend through our website.
In addition, we may aggregate your information with that of our other users and use that information for benchmarking and analysis purposes.
We have a lawful basis for collecting and processing your information if (a) you have consented to such processing; (b) we have a legitimate interest for processing your data, like analytics, fraud prevention, improving our website and our business, and direct marketing; or (c) we are legally required to process it.
Disclosure of Your Information
Any disclosure of information follows our Privacy Policy. Please note that we will disclose information only as required or permitted by law.
We may share your information as follows:
- with our third-party service providers who provide services like payment processing, IT, and data analysis and who are under a contractual obligation to apply at least the same level of protection to your information as AIL;
- with consumer reporting agencies;
- if you choose to send a message through our website, or contribute to public areas of our website (e.g., message boards, blogs); and
- with a third party in the event of a sale or transfer of all or part of our business (including in connection with any bankruptcy proceeding).
These service providers may be located in the United States and Canada to perform their functions and to the extent permitted by law. Use of your information by these service providers is governed by their own privacy policies and procedures and not by this Privacy Policy.
We may also access and disclose your information for the following purposes:
- to comply with or respond to applicable laws, including those outside your country of residence, to respond to lawful requests from public and governmental authorities, and to meet national security or law enforcement requirements;
- to enforce our terms and this Privacy Policy;
- to protect our business; or
- to protect our rights, privacy, safety, or property and/or that of others;
As we develop our businesses, we might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, sale of assets, dissolution, or similar event, some or all of the information may be part of the transferred assets.
We may process and store your personal information outside of your province, state or country of residence, including in the United States and Canada. Where personal information is located outside your jurisdiction of residence, it is subject to the laws of that jurisdiction which may differ from those in your jurisdiction and any personal information transferred to another jurisdiction will be subject to law enforcement, local courts, and national security authorities in that jurisdiction.
Our Commitment to Your Privacy
AIL is committed to ensuring that our practices regarding the privacy of the personal information we collect from you align with industry norms, adhere to contractual obligations, and comply with all applicable laws. AIL is committed to continual improvement and the effectiveness of privacy safeguards that our AIL employees need to adhere to through various mechanisms. These mechanisms include maintaining and assessing our privacy policies, routine evaluations, reporting standards, due diligence standards, training programs, and other methodologies.
Security of Your Information
We follow industry standards to protect your personal information from loss, misuse, unauthorized access or disclosure, alteration, or destruction. These standards include reasonable administrative, physical, and technical safeguards, such as encrypting sensitive information. Understand, however, that no security system is impenetrable. We cannot guarantee the security of our databases, and please understand that email or other communications over the Internet, as well as SMS or text messages, are not secure and may be intercepted while being transmitted to and from us over the Internet, by WiFi, or other means. We strongly recommend that e-mail messages do not contain personal or confidential information, particularly highly identifiable, sensitive information such as your Social Security number and driver’s license information.
Children’s Privacy
This website is not intended for minors under the age of 18. We do not knowingly collect personal information from anyone under the age of 18. In the event we learn that we have collected personal information from a child under age 18 without verification of parental consent, we will delete that information. If you have any questions or concerns about the collection of the personal information of children, please contact us online or the address below.
Choices and Access
Marketing Emails
To stop receiving marketing e-mails from us, please click here and follow the instructions to unsubscribe. Even if you unsubscribe, we may still send you administrative (i.e., non-marketing) messages. To unsubscribe from a third party’s communications, contact that third party directly or follow the instructions to unsubscribe in the applicable marketing e-mail.
Access, Correction, and Deletion
To submit a verifiable privacy request to access what personal information we may have, or to request deletion, or correction, you may contact customer service. For existing policyholders, you may be asked to verify your identity through the existing authentication procedures, and we may re-authenticate you to verify your identity. For non-policyholders, we will verify a consumer’s identity by matching at least two or three consumer-provided data points with data points that we maintain, depending on the sensitivity of the information involved.
Consent
You may withdraw your consent at any time, except in limited circumstances, including legal or regulatory requirements or as a result of your contractual obligations with us by contacting customer service. If you choose not to provide us with certain personal information or if you withdraw your consent, where such withdrawal is available, we may not be able to offer you the products or services that you requested or that could be offered to you.
Retention Period
We will only retain your personal information for as long as reasonably necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. We may retain your personal information for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you.
When your personal information is no longer necessary to fulfil the purposes we collected it for, or any other legal purpose, we will securely destroy or anonymize your personal information.
Changes to this Privacy Policy
We may change this Privacy Policy from time to time without notice. The most current policy will be posted on this website. You are encouraged to review this online Privacy Policy regularly. Using this Site, Mobile App, or Content after any changes are made means you accept those changes and the revised Privacy Policy.
Contact Us
You may contact us online or at the address below with questions about this Privacy Policy or our privacy practices.
American Income Life Insurance Company
Attn: Privacy Office
P.O. Box 8080
McKinney, TX 75070
Your California Privacy Rights
If you are a California resident, this section applies to you in addition to the rest of the privacy policy. California law requires disclosure of the following information with respect to our privacy practices.
Under California Civil Code Section 1798.83, California consumers who have business relationships with us may choose to opt out of the sharing of their personal information with third parties for direct marketing purposes. If you are a California consumer and (1) you wish to opt out of sharing; or (2) you wish to request certain information regarding our disclosure of your personal information to third parties for direct marketing purposes, please contact us online or at our toll-free number at 1-800-433-3405.
Alternatively, you may send a written request to the following address:
American Income Life Insurance Company
ATTN: PRIVACY OFFICE
P.O. Box 8080
McKinney, TX 75070
Information for California Consumers (California Consumer Privacy Act)
Collection, Use, and Disclosure of Information
California provides certain privacy rights to California residents with respect to the collection of personal information. We collect and retain the following categories of personal information, which is necessary information for us to comply with regulations governing the insurance industry and the issuance of insurance policies. The chart below provides a full description of the information and categories.
Your Rights to Know About Personal Information Collected, Used, and Disclosed, and to Request Access, Correction, and Deletion
If you are a California consumer, upon our receipt of a verifiable request from you, you can obtain access to the personal information about you which we have collected, used, or disclosed. You may also request deletion, correction, or access to a portable copy of your personal information that is collected and maintained by us, as provided by law.
To submit a verifiable consumer request to know what personal information we may have collected, used, or disclosed, or to request deletion, correction, or access to a portable of personal information, you may call our toll-free number at 1-800-433-3405 or use our online request form or portal at: www.ailife.com/contact For existing policy or account holders, you may be asked to verify your identify through the existing authentication procedures of your account, and we may re-authenticate you to verify your identity.
For non-policyholders, we will verify a consumer’s identity by matching at least two or three consumer-provided data points with data points that we maintain, depending on the sensitivity of the information involved.
Your Right to Opt-Out of Sharing of Personal Information
To submit a verifiable consumer request to know what personal information we may have collected, used, or disclosed, or to request deletion, correction, or access to a portable of personal information, you may call our toll-free number at 1-800-433-3405 or use our online request form or portal at: . For existing policy or account holders, you may be asked to verify your identify through the existing authentication procedures of your account, and we may re-authenticate you to verify your identity. For non-policyholders, we will verify a consumer’s identity by matching at least two or three consumer-provided data points with data points that we maintain, depending on the sensitivity of the information involved.
Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights
You have a right not to receive discriminatory treatment from us for the exercise of any of your privacy rights.
Your Right to Opt-Out of Cross-Context Behavioral Advertising
California consumers may choose to opt out of the “sharing” of their personal information with third parties for cross-context behavioral advertising. Certain parts of this Site, Mobile App, or Content require “cookie” technologies (e.g., pixel tags), and we may use them to deliver more relevant advertising and to link data collected across other devices you use. You can adjust your settings to limit tracking or decline cookies or pixel tags, but as a result, you may not be able to use certain features of this Site, Mobile App, or Content or take full advantage of all of our offerings. Please refer to your device or browser settings for more information on how to delete or decline cookies and control your tracking preferences. This Site, Mobile App, or Content does not respond to do not track signals from most browsers. You can opt out of some of our third-party partners’ use of cookies and other technologies using the Global Privacy Control on your device. Please visit https://globalprivacycontrol.org to learn more.
Authorized Agent
As a California consumer, you can designate an authorized agent to make a request under the CCPA on your behalf by your signed authorization. To do so, please write to us at the address provided below, providing your full name and address, the name and address of your authorized agent, the agent’s contact information, specifying your relationship with the authorized agent, the purpose for which you are designating the authorized agent, and provide your signed authorization. You may revoke the authority of that agent at any time by contacting us in writing at the address below.
Consumers with Disabilities
Any consumers with a disability may contact us or have an authorized agent contact us by calling our customer service department at 1-800-433-3405 or by visiting our website contact below.
Contact for More Information
For questions or concerns about our privacy policies and practices, or wish to request our policy in an alternative format please contact us via email at PrivacyTeam@Globe.Life or at our toll-free number at 1-800-433-3405.
Alternatively, you may send a written request to the following address:
Globe Life Companies
ATTN: PRIVACY OFFICE
P.O. Box 8080
McKinney, TX 75070
Your Canada Privacy Rights
If you are a Canadian resident, you may be entitled to access your personal information and request the rectification of information that is inaccurate, incomplete or no longer up to date, subject to limited exceptions set out in applicable laws.
Depending on the province or territory in which you reside and subject to legal or contractual restrictions, you may also be entitled to obtain additional information about data processing, including the personal information collected and how it is processed by us.
To submit a request, please contact us online or at our toll-free number at 1-800-433-3405. You may also send a written request to review or change your personal information to:
American Income Life Insurance Company
ATTN: PRIVACY OFFICE
P.O. Box 8080
McKinney, TX 75070
If the Privacy Office is unable to address your concern to your satisfaction, you may bring the matter to the attention of the appropriate privacy commissioner. Some of our activities are subject to the jurisdiction of the Office of the Privacy Commissioner of Canada; other activities are subject to the jurisdiction of the privacy commissioner of your province or territory of residence.
Privacy Policy Effective Date: 01/21/2025