Privacy Policy

Last updated: December 29, 2021

This Privacy Policy describes how we collect, use and share information when you use our Services. The terms "we," "us," or "our" mean American Income Life Insurance Company, Family Heritage Life Insurance Company of America, Liberty National Life Insurance Company, and/or National Income Life Insurance Company. The term "Services," means, collectively, various websites, applications, widgets, email notifications and other mediums, or portions of such mediums, through which you have accessed this Privacy Policy. By accessing or using our Services, you consent to the collection, transfer, manipulation, storage, disclosure and other uses of Your Information (collectively, "Use of Your Information") as described in this Privacy Policy.

For purposes of this Privacy Policy, "Your Information" means information about you, which may be of a confidential nature and may include personally identifying information, medical and health history information, and/or financial information.

This Privacy Policy applies to our Use of Your Information as a result of you using our Services, and does not apply to the following:

In addition to this Privacy Policy, our Services are also governed by our Terms of Use and any other documents referred to in this Privacy Policy and our Terms of Use. These documents describe information that we collect from you or that you provide on or to the Services and how Your Information may be used and disclosed by us. They also describe the choices available to you regarding our Use of Your Information and how you can access and update Your Information. Please read this Privacy Policy and the Terms of Use carefully.

Information We Collect and Receive About You

We might receive or collect several types of information about you, such as the information described below.

Information You Provide

The following are situations in which you may provide Your Information to us:

Information Third Parties Provide

We may collect information about you from sources other than you, such as from social media websites (i.e., Facebook, LinkedIn, Twitter or others), blogs, other users and our business partners.

General Use and Preference Information

We may collect, receive and store information regarding your general use of our Services (such as details of how and when you used our Services, interactions with our Services, log in information, resources that you access, your Internet protocol address, your browser type, and your device type), as well as your preferences.

Device Information

When you use our Services through your computer, mobile phone or other device, we may collect information regarding and related to your device, such as hardware models and IDs, device type, operating system version, the request type, the content of your request and basic usage information about your use of our Services, such as date and time. In addition, we may collect information regarding application-level events and associate that with your account to provide customer service. We may also collect and store information locally on your device using mechanisms such as browser web storage and application data caches.

Location Information

If you enable the collection of location information on your device, then we may collect information about your actual location, such as your mobile device’s GPS coordinates. We may also use other technologies to determine your location (such as through the location of nearby Wi-Fi access points or cell towers), or obtain your location information from third parties.

Phone Numbers

We may collect your phone number in several ways. For example, we may collect your phone number: (i) if you submit your phone number to us through our Services; (ii) by capturing your phone number if you call us; or (iii) if a third party provides your phone number to us.

Non-Personally Identifiable Information

We may collect demographic information about you such as gender, zip code, and birth date, and information regarding your preferences and usage. This type of information is not, by itself, personally identifiable information. However, if we link such information with personally identifiable information in a manner that identifies a particular individual, then we will treat all such information as personally identifiable information for purposes of this Privacy Policy.

Cookies and Anonymous Identifiers

We and third parties use various technologies to collect and store information when you use our Services, including sending cookies, pixel tags or other anonymous identifiers to your device. "Cookies" are pieces of data stored on your computer, mobile phone or other device. A "pixel tag" is a type of technology placed within a website or email for the purpose of tracking activity, which is often used in combination with cookies. Other "anonymous identifiers" are random strings of characters used for the same purposes as cookies, such as with mobile devices where cookie technology is not available. These technologies help us know that you are logged on, provide you with features based on your preferences, understand when you are interacting with our Services, and compile other information regarding use of our Services.

The information collected through these technologies, standing alone, cannot be used to determine your identity. Such information may, however, be combined in a way that makes it become personally identifiable information (i.e., information that can identify you). If this happens, we will treat the combined information as personally identifiable information.

Please note that, in most cases, you can remove or block cookies (such as by using the settings in your browser), but doing so may affect your ability to use our Services.

The use of tracking technologies by our service providers, technology partners or other third party assets (such as social media) on the Services is not covered by our Privacy Policy. These third parties may use cookies, clear gifs, images, and scripts to help them better manage their content on our Services. We do not have access or control over these technologies.

How We Use Information

We may make Use of Your Information for various lawful business purposes. Among others, these purposes may include using Your Information to:


How We Disclose Information

General Disclosure of Your Information

We may disclose Your Information:

If you do not want Your Information shared as described above, then you should not provide us with Your Information.

Aggregation and De-Personalization

We may take Your Information and de-identify it either by combining it with information about other individuals (aggregating Your Information with information about other individuals), or by removing characteristics (such as your name) that make the information personally identifiable to you (de-identifying Your Information). We reserve the right to share, loan, rent, sell, or otherwise disclose such information to third parties at any time, for any lawful purpose, without notice or compensation to you.

Sharing with Friends

If the Services contains any functionality allowing you to send content to a friend, then please be aware that: (a) we may display your email address to your friend; and (b) we may use information you provide about your friend to facilitate the communication and as otherwise set forth in this Privacy Policy. We do not store your friends email address in our database. Your friend will receive a one-time message notifying them of the shared content.

Sweepstakes

If you are submitting information to us pursuant to a sweepstakes entry, we reserve the right to share, loan, rent, sell or otherwise disclose the information that you submit with third parties at any time, for any lawful purpose without notice or compensation to you. Participation in these sweepstakes is completely voluntary and you therefore have a choice whether or not to disclose Your Information. Please refer to the official rules and privacy policy for each individual sweepstakes for our specific policies regarding information sharing and disclosure pursuant to that sweepstakes entry.

Circumvention of Security Measures

We follow industry standards to protect your personal information from loss, misuse, unauthorized access or disclosure, alteration, or destruction, such as encrypting sensitive information. Understand, however, that no security system is impenetrable. We cannot guarantee the security of our databases, and you 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.

Business Transfers

We specifically and expressly reserve the right to disclose, lease, sell, assign or transfer Your Information collected through our Services, and any of our databases, together with any personally identifiable information contained in such databases, to third parties in connection with a Business Transfer. A "Business Transfer" means a share or asset sale, acquisition, merger, consolidation, reorganization, spin-off, bankruptcy or other corporate change involving us and/or our affiliates, even if the Business Transfer is only being contemplated and regardless of whether the Business Transfer relates to a part or a whole of our business. Nothing in this Privacy Policy is intended to interfere with our ability to transfer all or part of our business, equity, and/or assets (including our Services) to an affiliate or independent third party at any time, for any lawful purpose, without compensation to you.

Children’s Information

You must be at least 13 years of age to register with or use certain portions of the Services. The Services are not intended for children under 13 years of age. No one under 13 years of age may provide any personal information to or on the Services. We do not knowingly collect personal information from children under 13. If you believe that we may have any information from or about a child, please contact us by clicking here.

Network Advertising

From time to time, we may participate in or use advertising networks, such as third-party advertising servers, advertising agencies, technology vendors and research firms. We may use these third-party advertising networks for marketing, advertising and promotional purposes, as well as to serve advertisements to you. Advertising networks often gather data about consumers who view advertisements to make inferences about a consumer’s interests and preferences, which enables their computers to deliver advertisements directly targeted to the consumer’s specific interests. This practice is often referred to as "online behavioral advertising." For example, a third-party advertising network might collect the type of Internet browser you use, the type of computer operating system you use, the domain name of a website you visit, whether or not you visit specific pages of a website, the location of your Internet service provider’s presence, the date and time of a visit to a website and other interactions between you and a website. Please see the "Online Behavioral Advertising" subsection of Choices About How We Use and Collect Your Information below to read about how you can prevent certain third-party advertising networks from collecting information about you.

User Generated Content

We offer publicly accessible blogs and other interactive media through our Services. To request removal of Your Information from our blog or community forum, contact us by clicking here. In some cases, we may not be able to remove Your Information, in which case we will let you know if we are unable to do so and why.

Some comment areas are managed by a third party application that may require you to register to post a comment. We do not have access or control of the information posted to the blog. You will need to contact or login into the third party application if you want the personal information that was posted to the comments section removed. To learn how the third party application uses your information, please review their privacy policy.

You are responsible for any content, including personal information, that you contribute to be published or displayed ("posted") on our Services, or that you transmit to other users of our Services (collectively, "User Generated Content"). Your User Generated Content is posted on and transmitted to other users of our Services at your own risk. We cannot control the actions of other users of our Services with whom you may choose to share your User Generated Content. We are not responsible for circumvention of any privacy settings or security measures of our Services. As a result, we cannot and do not guarantee that your User Generated Content will not be viewed by unauthorized persons. You understand and acknowledge that, even after removal, copies of your User Generated Content may remain viewable in cached and archived pages, or might have been copied or stored by other Service users. Proper access and use of information provided through our Services, including User Generated Content, is governed by our Terms of Use.

Social Media Widgets

Our Services may include social media features, such as the Facebook Like button or interactive mini-programs that run on our Services. These features may collect your IP address, which page you are visiting, and may set a cookie to enable the feature to function properly. Your interactions with these features are governed by the privacy policy of the third party providing it.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us. Below are some mechanisms that provide you with control over certain information:

Information You Disclose to Third Parties

You may be presented with an opportunity to receive information and/or marketing offers from third parties in connection with our Services. All information you disclose to such third parties will be subject to the privacy policy and practices of such third parties. We are not responsible for the privacy policies and practices of such third parties and, therefore, you should review the privacy policies and practices of such third parties prior to disclosing information to them. If you later decide that you no longer want to receive communications from a third party, you will need to contact that third party directly.

Links to Third-Party Websites

Our Services, as well as the email messages sent with respect to our Services, may contain links or access to websites operated by third parties that are beyond our control. For example, if you click to apply for a product such as a credit card through our Services, you may be linked to a third-party website to complete an application. Links or access to third parties from our Services are not an endorsement by us of such third parties, or their websites, applications, products, services, or practices. We are not responsible for the privacy policy, terms and conditions, practices or the content of such third parties. These third-parties may send their own cookies to you and independently collect data. If you visit or access a third-party website, application or other property that is linked or accessed from our Services, we encourage you to read any privacy statements and terms and conditions of that third party before providing any personally identifiable information. If you have a question about the terms and conditions, privacy policy, practices or contents of a third party, please contact the third party directly.

Third Party Widgets and Plug-ins

Our Services include social media features, such as the Facebook Like button, links to our various social media pages and widgets, such as the Share this button or interactive mini-programs that run on our Services. These features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly through our Services. Your interactions with these features are governed by the privacy policy of the company providing it.

Operation of our Services in the United States

Our Services are operated in the United States. If you are located in the European Union, Canada or elsewhere outside of the United States, please be aware that any information you provide to us will be transferred to the United States. By using our Services or providing us with Your Information, you consent to this transfer.

Changes to this Privacy Policy

We reserve the right to update, amend and/or change this Privacy Policy at any time in our sole discretion. Amendments will take effect immediately upon us posting the updated Privacy Policy on our Services. You are encouraged to revisit this Privacy Policy from time to time in order to review any changes that have been made. The date on which this Privacy Policy was last updated will be noted immediately above this Privacy Policy. Your continued access and use of our Services following the posting of any such changes shall automatically be deemed your acceptance of all changes.

Contacting Us

If you have questions or concerns about our privacy practices or wish to make a request regarding Your Information, you may call our toll-free number at 844-593-8916 or use our online request form or portal at: home.globelifeinsurance.com/customer-service.

Your California Privacy Rights

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 the direct marketing purposes, please contact us at home.globelifeinsurance.com/customer-service.

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

ATTN: PRIVACY OFFICE
COMPLIANCE DEPARTMENT
PO Box 8080
McKinney, TX 75070

Information for California consumers (California Consumer Privacy Act)

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, or which we collect to provide information about products or services that you request or to provide to authorized agents to contact you about relevant products or services based on information you request. This personal information may include any of the following categories of personal information: (1) your real name, postal address, telephone number, unique personal identifier, email address, and/or similar identifiers. 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. All such personal information is used to comply with federal, state and local laws, and regulations governing our insurance business.

Use and Disclosure of Personal Information for Business Purposes

Currently we may use and disclose—and during the past 12 months, we have used and disclosed—the following categories of personal information: your real name, postal address, telephone number, and/or email address with our affiliated insurance companies, to our independent agents, service providers, and with third parties with whom we have joint marketing agreements to respond to your inquiries and requests (e.g. emails, fulfillment mailings, newsletters), complete and fulfill any inquiry for information or purchase you make, for marketing and advertising purposes, to perform services on our behalf, and for the purpose of offering complementary insurance and financial services to our own insurance products and services.

We do not sell personal information of California consumers. We do not sell the personal information of minors under 16 years of age.

Your Right to Know About Personal Information Collected, Used, Disclosed, and to Request 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 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, disclosed, or to request deletion of personal information, you may call our toll-free number at 844-593-8916 or use our online request form or portal at: home.globelifeinsurance.com/customer-service. 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 the Sale of Personal Information

In addition to the above, California consumers have the right to opt-out of the “sale” of their personal information, as such term is defined under the California Consumer Privacy Act (“CCPA”). We do not sell the personal information of California consumers.

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 “CCPA”.

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.

Do Not Track

Because of the changing state of technology and indecision within the industry regarding the meaning of Do Not Track signals, we currently do not make any guarantee that we will honor Do Not Track signals.

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 1-877-577-3860 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 home.globelifeinsurance.com/customer-service.

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

ATTN: PRIVACY OFFICE
COMPLIANCE DEPARTMENT
PO Box 8080
McKinney, TX 75070