In this Privacy Policy, “personal information” is information that relates to, describes, is capable of being associated with, or could reasonably be linked (directly or indirectly) with you or your household. The personal information we collect may include your name, postal address, email address, telephone number, Social Security/Insurance number, or other similar identifiers that permit the physical or online identification of you.
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. 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. For prospective and current insurance agents, by submitting your contact information on web forms or on applications, you opt-in to being contacted by us via email, phone call, and/or SMS messaging. You can contact us at any time to opt-out of any communication.
Information 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 this 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.
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.
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.
We 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 and/or those of our third-party partners, which 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 our websites; or
- Allow you to send messages to a friend through our website
- For prospective and current agents, we may use your information for purposes of contracting, compensation, and fulfilling other legal obligations under your contract.
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 website and our business, and direct marketing; or (c) we are legally required to process it.
We may share your information as follows:
- with our affiliated businesses;
- 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 United American Insurance Company;
- with consumer reporting agencies;
- if you choose to send a message through the 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).
Subject to the next paragraph, for prospective and current insurance agents, mobile information, including text messaging originator opt-in data and consent, will not be shared to third parties for purposes of marketing our insurance products to you. For prospective and current insurance agents, by submitting your contact information on web forms or on applications, you opt-in to being contacted by us via email, phone call, and/or SMS messaging.
If you wish to opt-out of SMS messaging, please reply STOP at any time to opt-out of SMS messaging.
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.
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
United American Insurance Company 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. The Privacy Office is committed to continual improvement and the effectiveness of privacy safeguards that our 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.
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.
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 at the address below.
We will only retain your personal information for as long as reasonably necessary to fulfil 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 your 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 email us at PrivacyTeam@Globe.Life or contact us by mail at:
Globe Life Companies
ATTN: PRIVACY OFFICE
P.O. Box 8080
McKinney, TX 75070
Your California Consumer Privacy Rights
» Click here to read Your California Consumer 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 the 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:
Globe Life Companies
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.
Categories of Personal Information We Collect
Personal identifiers including your real name, alias, postal address, telephone number, email address, and/or similar identifiers; 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 our Internet website, application or advertisements, and or other similar unique personal identifiers; geolocation data and/or commercial information including insurance products or services purchased.
Sources of the Personal Information Collected
Directly from your completion of an application for insurance or other forms, your transactional history and other experiences with us and other companies.
Business Purposes for Which We Use or Disclose Personal Information
During the past 12 months, we have used or disclosed your Personal Information for purposes of responding to your inquiries and requests (e.g., emails, fulfillment mailings, newsletters), completing and fulfilling any inquiry for information or purchase you make, marketing and advertising, performing services on our behalf, and offering complementary insurance and financial services to our insurance products and services.
Types of Third Parties with whom we have shared Personal Information
During the past 12 months, we have used and disclosed your Personal Information with our affiliated insurance companies, to our independent agents, service providers, advertising networks, data analytics providers, social networks, and with third parties with whom we have joint marketing agreements.
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.
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 that 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 copy of your personal information, you may call our toll-free number at 844-593-8916 or use our online request form at customer service.
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 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.
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.
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 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 online or call our toll-free number at 844-593-8916.
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 California Agents Privacy Rights
» Click here to read Your Agent California Privacy Rights
May 10, 2024
If you are a California resident and a current, prospective, or former insurance agent of a Globe Life affiliate or subsidiary company, this privacy policy applies to you. The California Consumer Privacy Act, as amended by the California Privacy Rights Act, requires disclosure of the following information with respect to our privacy practices.
Information for California Insurance Agents (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 to fulfill our legal obligations to you. The chart below provides a full description of the information and categories.
Categories of Personal Information We may Collect
Personal identifiers including your real name, alias, postal address, telephone number, email address, Social Security number, and/or similar identifiers; professional or agent-related information; financial information; educational information; and device information for authentication and/or fraud detection, including internet protocol address.
Sources of the Personal Information Collected
Directly from your completion of an application or other forms, or agent records
Business Purposes for Which We Use or Disclose Personal Information
During the past 12 months, we have used or disclosed your Personal Information for purposes of contracting, compensation, and fulfilling other legal obligations under your contract.
Types of Third Parties with whom we have shared Personal Information
Upon receiving appropriate authorizations. We may share the Personal Information of former California insurance agents to Third Parties for the purposes of debit-balance screenings in connection with insurance industry standard practices.
Types of Personal Information We Sell
We do not sell the Personal Information of current, prospective, or former California insurance agents.
Your Rights to Know About Personal Information Collected, Used, and Disclosed, and to Request Access, Correction, and Deletion
If you are a current, prospective, or former California insurance agent and upon our receipt of a verifiable request from you, you can obtain access to the personal information about you that 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 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 800-405-7512 or email PrivacyTeam@Globe.Life. Requests may be rejected if they conflict with superseding legal obligations for employment.
Right to Non-Discrimination for the Exercise of Privacy Rights
You have a right not to receive discriminatory treatment from us for the exercise of any of your privacy rights.
Authorized Agent for California Insurance Agents
As a current, prospective, or former California insurance agent, you can designate an authorized agent to make a request under the California privacy laws 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.
Agents Disabilities
Any current, prospective, or former insurance agents with a disability may contact us or have an authorized agent contact us by calling 800-405-7512 or email PrivacyTeam@Globe.Life.
Contact for More Information
For questions or concerns about our privacy policies and practices, or if you wish to request our policy in an alternative format, please contact us via email at PrivacyTeam@Globe.Life or call our toll-free number at 800-405-7512. Alternatively, you may send a written request to the following address:
Alternatively, you may send a written request to the following address:
Globe Life Companies
ATTN: PRIVACY OFFICE
P.O. Box 8080
McKinney, TX 75070
Changes to Privacy Policy
We may amend this Privacy Policy from time to time. When we do, we will post an updated version of the Privacy Policy and revise the “LAST UPDATED” date at the top. Using this website after any changes are made means you accept those changes and the revised Privacy Policy.
You have the right to submit feedback about this Privacy Policy or the practices described in it to the applicable supervisory authority in your jurisdiction of residence.
You may contact us online or at the address below with questions about this Privacy Policy or our privacy practices.
United American Insurance Company
ATTN: PRIVACY OFFICE
P.O. Box 8080
McKinney, TX 75070