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 https://www.ailife.com/ and other owned or operated websites (collectively, the “Site”, or by you installing and using our mobile applications (regardless of operating system) (each “Mobile App”), or by your use of any of our programs, services, content, materials, functionality (collectively, the “Content”) offered on or through the Site or Mobile App (collectively, with the Site and the Mobile App, the “AIL Properties”).

This policy is limited to AIL Properties; 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 AIL Properties, 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. Please see Choices and Access below for more information on how to manage your privacy preferences.

You also agree that any dispute or claim relating to this Privacy Policy, the Terms of Use, the use of this website, or AIL’s products (“Dispute”) shall be subject to the “Disputes and Arbitration Agreement” set forth in the Terms of Use.

Information Collected

In this Privacy Policy, “personal information” is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked (directly or indirectly) with you or your household. In the preceding twelve (12) months, the types and categories of personal information we collect may include:

Account and contact information, including name, postal address, email address, phone number, username/login, and other contact information you provide us.
Payment information, including bank account and/or credit or debit card information, if you have applied for or obtained an insurance policy with us.
Account history, including commercial information about your policy, account, transactions, or discounts.
Demographic information, including your age, gender, income level, education, or family or marital status.
Health information in connection with your application for a policy.
Location information, including general geographic location such as country, state or province, or city, and geolocation.
Device information, including your IP address, device identifiers, operating system and version, preferred language, hardware identifiers, browser type and settings, and other device information.
Inferences from personal information that could create a profile about your preferences and characteristics.

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 the AIL Properties 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 AIL Properties and its features.

Information Provided from Business Partners and Service Providers
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 the AIL Properties. We may associate or combine the information you provide through the AIL Properties 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, which we provide for our employees and insurance agents to follow.

Information Automatically Collected
When you use the AIL Properties, the server may automatically recognize you by a “cookie” or other tracking technology. These automatic data collection technologies act as unique identifiers and allow us to tailor the AIL Properties to your specified interests and keep track of your activity on the AIL Properties. 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 the AIL Properties, analyze traffic patterns and usage, ensure that the AIL Properties 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 the AIL Properties to your interests and send you offers based on such information. Please also see Choices and Access below for more information on how to manage your privacy preferences.

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 the AIL Properties. 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, such as Microsoft, at http://optout.aboutads.info. You can also visit https://tools.google.com/dlpage/gaoptout to opt out of Google Analytics. You can also 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. We do not control these third-party partners’ technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the third-party partner directly.

Tracking Options and California Do Not Track Disclosures
Certain parts of the AIL Properties 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 the AIL Properties 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. The AIL Properties does not respond to do not track signals from most browsers. Please also see Choices and Access below for more information on how to manage your privacy preferences.

Information Use

We may use your information to:

Provide you with the content and any features, information, products, or services that we make available through the AIL Properties;
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 improve the AIL Properties; or
Allow you to send messages to a friend through the AIL Properties.

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 the AIL Properties and our business, and direct marketing; or (c) we are legally required to process it. Please also see Choices and Access below for more information on how to manage your privacy preferences.

Disclosure of Your Information

We may disclose your information as follows:

to 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 applies;
to consumer reporting agencies;
to fulfill the purpose for which you provide it;
for any other purpose disclosed by us when you provide the information;
if you choose to send a message through the AIL Properties, or contribute to public areas of the AIL Properties (e.g., message boards, blogs); and
to 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. We may share your information with these service providers, but only as necessary for them 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 of Use 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.

Please also see Choices and Access below for more information on how to manage your privacy preferences.

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 commercially 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 directly 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. We will honor a request to unsubscribe from marketing emails from us within 10 business days. Even if you unsubscribe, we may still send you transactional or relationship content (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. The exact scope of these rights varies by jurisdiction. There are also several exceptions where we may not have an obligation to fulfill your request. To appeal a decision regarding a verifiable privacy request, where permitted by applicable state law, contact us at PrivacyTeam@globe.life within 30 business days after receiving any adverse decision from us.

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, where feasible to do so, 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.

Cookies and Other Technologies
For more information about your rights and choices in connection with our use of cookies, please visit our Cookie Policy.

Retention Period

Unless otherwise stated, we intend to retain your personal information only 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 order to resolve disputes, enforce agreements, and for other legitimate and lawful business purposes.

When your personal information is no longer necessary to fulfil the purposes we collected it for, or any other legal purpose, we will securely delete, destroy, or deidentify your personal information.

Changes to this Privacy Policy

We may change this Privacy Policy from time to time. When we do, we will post an updated version of the Privacy Policy on our website and revise the “LAST UPDATED” date at the bottom. We may email or otherwise communicate reminders about this policy, but using the AIL Properties after any changes are made means you accept those changes and the revised Privacy Policy. You are encouraged to review this online Privacy Policy regularly.

Disputes and Arbitration Agreement

As stated above, you agree that any dispute or claim relating to this Privacy Policy, the Terms of Use, the use of our website, and/or our products (“Dispute”) shall be subject to the “Disputes and Arbitration Agreement” set forth in the Terms of Use.

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

Learn About Your California Privacy Rights

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 844-593-8916.

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.

Categories of Personal Information We Collect
Please see the "Information Collected" section above for more information.
Sources of the Personal Information Collected
Please see the "Information Collected" section above for more information.
Business Purposes for Which We Collect Personal Information
Please see the "Information Collected" section above for more information.
Business Purposes for Which We Use Personal Information
Please see the "Information Use" section above for more information.
Categories of Personal Information Shared with or Disclosed to Third Parties for Cross-Contextual Behavioral Advertising
We may share personal identifiers including your telephone number; device information including internet protocol address, internet or other electronic network activity information including but not limited to browsing history, search history, and information regarding your interaction with the AIL Properties, application or advertisements, and or other similar unique personal identifiers; geolocation data and/or commercial information including insurance products or services purchased; and inferences drawn from other personal information to create consumer profiles.
Types of Third Parties with Whom We Have Shared or Disclosed Personal Information
Please see the "Disclosure of Your Information" section above for more information.
Business Purposes for Sharing / Disclosing Personal Information to Third Parties
Please see the "Disclosure of Your Information" section above for more information.
Types of Personal Information We Sell
We do not sell the personal Information of California consumers.
Personal Information of Consumers under 16 years of age
We do not sell or share the personal Information of minors under 16 years of age.
Types of Sensitive Personal Information We Use or Disclose Beyond Specific Permitted Purposes
We do not use or disclose the sensitive personal information of California consumers beyond specific permitted purposes.

Your Rights to Know About Personal Information Collected, Used, and Disclosed, and to Request Access, Correction, 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 844-593-8916 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.

There are several exceptions where we may not have an obligation to fulfill your request. To appeal a decision regarding a verifiable privacy request, contact us at PrivacyTeam@Globe.Life within 30 business days after receiving any adverse decision from us.

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 the AIL Properties 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 the AIL Properties 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. The AIL Properties do 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. Please also see Choices and Access above for more information on how to manage your privacy preferences.

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 844-593-8916 or by visiting our 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 844-593-8916.

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

Learn About Your Canada Privacy Rights

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 844-593-8916. 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.

Last Updated: 04/14/2026