Policyholder Privacy Policy - US
American Income Life Insurance Company cares about protecting its policyholders’ privacy. In the process of providing the products and services you requested, we will collect, use and share certain information you provided. This Privacy Policy explains what information we collect and how we use that information. The Policy also explains how we protect the security and confidentiality of your information.
COLLECTION OF INFORMATION
We collect and retain information necessary for us to provide the products and services you requested. In that process we may collect nonpublic information from you as a result of: your completion of an insurance application or other forms; your transactions and experience with us; or reports from a consumer reporting agency, such as the Medical Information Bureau.
ACCESS AND CORRECTION OF INFORMATION
Upon request you can obtain access to personal information about you which appears in our policy files or is contained in your investigative consumer reports. If you think that any personal information we have collected from or about you is inaccurate, you may notify us in writing. We will investigate your request and make appropriate changes as needed.
INVESTIGATIVE CONSUMER REPORTS NOTIFICATION
As part of our routine underwriting procedure, an investigative consumer report may be obtained which will provide applicable information concerning character, general reputation, personal characteristics, and mode of living (excluding sexual orientation). This information will be obtained through consumer reporting agencies and personal interviews with your friends, neighbors and associates. You may request to be interviewed in connection with the preparation of the report and upon request may receive a copy of the report.
CONFIDENTIALITY OF INFORMATION
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide the products and services you requested. We maintain physical, electronic, and procedural safeguards to comply with federal regulations to guard this information.
INTERNAL PROTECTION OF INFORMATION
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide the products and services you requested. We maintain physical, electronic, and procedural safeguards to comply with federal regulations to guard this information.
DISCLOSURE OF OUR PRIVACY POLICY
We are sending you this Notice for informational purposes and may amend the Privacy Policy at any time and will update it as required. We also post our current Privacy Policy at our website: www.ailife.com.
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