Internet Privacy Policy

Privacy Policy

This privacy statement discloses the privacy policy for American Income Life Insurance Company (“AIL”). Your privacy is important to us. 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 AGREE TO THE TERMS OF THIS STATEMENT.


Information Collection and Use

AIL does not sell, share, or rent information collected on this site to others in ways different from what is disclosed on this statement.


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 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.


Nonpersonal Information

Nonpersonal information includes any generic data that cannot be used to identify or contact you. We look at such data on an individual and collective basis to help us detect trends that may help us improve our website. We may gather nonpersonal information automatically from your web browser, such as the Internet protocol address used to connect your computer to the Internet; computer and connection information such as browser type and version, operating system, and platform; the Uniform Resource Locator click path to, through, and from our website; and the date and time you access our website.


Use of Cookies

Cookies are small files that AIL can send to your browser. AIL does not use cookies to collect personal information from users. We do use cookies to identify you to the web server during page requests and to improve our website. We may use Action Tags on our web pages to effectuate the use of cookies. You can configure your browser to accept or reject cookies, giving you the chance to decide whether or not to accept the cookie.


Do Not Track Signals

We do not respond to a web browser’s “do not track” signal or other mechanisms that signal a request that our site not track the consumer’s online activities over time and across websites. Other parties, such as third-parties that perform business services on our behalf, may collect personally identifiable information about a consumer’s online activities over time and across different websites when a consumer uses our website or service.


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.


Security of Your Information

AIL treats the security of your information seriously. AIL uses all reasonable efforts to keep information from our users secure against unauthorized access and use. We maintain physical, electronic and procedural safeguards to guard your information.

Remember that email messages can be viewed by other Internet users while in transit. We strongly recommend that email 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

This website is not intended for children under the age of 13. We do not knowingly collect personal information from anyone under the age of 13. In the event we learn that we have collected personal information from a child under age 13 without verification of parental consent, we will delete that information. If you believe we may have any information from or about a child under the age of 13, please contact us at the address provided below.


Changes to 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.


Changes to Personal Information

If you think that any personal information we have collected from or about you is inaccurate, you may notify us in writing at the address provided below. We will investigate your request and make appropriate changes as needed.


Feedback

If at any time you have questions or wish to report a violation of this privacy policy, please contact us at:

American Income Life Insurance Company
Privacy Office
1200 Wooded Acres
Waco, Texas 76710-2608
Telephone: (254) 761-6400


For California residents and households (California Consumer Privacy Act, Title 1.81.5, California Civil Code Section 1798.100-1798.199)


Collection of 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. We also collect personal information from our California-based employees, as required to comply with federal, state and local laws governing employers, and to fulfil our legal obligations as an employer. This personal information may include any of the following categories of personal information: (1) unique personal identifiers, such as, your full name, address, telephone number, email address, social security number, or similar identifiers; (2) health/medical information; (3) professional or employment-related information; (4) payment information such as checking account information; (5) commercial information, including insurance products or services purchased; and (6) educational information from our employees. We may collect such categories of personal information about you from: your completion of an application for insurance or other forms; your transactional history and other experience with us and other companies; or from a consumer reporting agency. All such personal information is used to comply with federal, state and local laws, and regulations governing our insurance business, and for the business purpose of complying with laws governing the employment of persons who are our employees, and to effectively recruit and manage our company work force.


Access to, Correction of, or Requesting Deletion of Personal Information

If you are a California resident, upon our receipt of a verifiable request from you, you can obtain access to the personal information about you which we have in our files. If you think that any piece of personal information that we have collected from or about you is inaccurate, you may notify us in writing to request that it be corrected. We will investigate your request and make appropriate changes as needed. You may also request deletion 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 or shared, or to request deletion 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-policy holders, 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.


Disclosure or Sale of Personal Information

During the past 12 months, we may have disclosed personal information such as unique personal identifiers, physical information, and health/medical information to our affiliated insurance companies, appointed insurance agents, and service providers for business purposes such as to underwrite your policy, process your premium, maintain your policy, administer a claim, market products and services, respond to court orders and legal investigations, or report to consumer reporting agencies.

We do not sell your personal information.


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 conferred by The California Consumer Privacy Act (“CCPA”).


Authorized Agent

As a California consumer, you can designate an authorized agent to make a request under the CCPA on your behalf. 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, and the purpose for which you are designating the authorized agent. 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 at www.ailife.com/Contact

Alternatively, you may send a written request to the following address:

ATTN: PRIVACY OFFICE
LEGAL DEPARTMENT
P.O. Box 8080
McKinney, TX 75070

Privacy Policy Effective Date: 1/1/2020