Privacy Policy

At Pan‑American Life Insurance Group, Inc. and its controlled affiliates, subsidiaries and branches (collectively, “PALIG”) we are highly committed to protecting the privacy of our customers and the security of all personal information entrusted to us. For this reason, we have developed this Privacy Policy to describe how we collect, process and protect your personal information.

Please note that due to our global footprint, this Policy may be modified or supplemented in order to comply with state or country specific requirements.

PALIG strongly believes in the value of privacy; therefore, our privacy commitments are fundamental to the way we run our business. We intend to ethically use and safeguard all personal information that is collected and processed.

Please note that this is PALIG’s general Privacy Policy. Some of the countries where we operate have specific requirements reflected in the country’s privacy policy. If you need to review a country’s privacy practices, please select the appropriate country from the menu at the top of the page.

Information collected from direct interactions with you. This refers to information you provide us with when you contract our products or services. For example, when you apply for insurance, pay your insurance premiums, register on our portals or provide us with your contact information. This information can be collected in person or by other means.

Keep in mind that we may record your calls at the customer service centers. These calls may be used for training, quality assurance, fraud prevention, and other business purposes.

Information collected directly from website visitors. In most instances, you can visit our websites without providing any personal information. However, on some pages, you may give us your personal information (i.e. information that identifies or reasonably can be used to identify you) by filling out forms. This includes personal information you provide when you:

You are not required to provide any of the above‑mentioned information. However, if you choose not to, we may not be able to provide you with the requested service or complete your transaction.

Information collected from portal visits. To access our portals, you will need to provide sufficient information to create an account. Additionally, and subject to your relationship with PALIG, you may make requests that involve collecting additional personally identifiable information, personal health information and personal financial information.

Information collected by automated means. We collect certain information about all visitors to our websites and portals, including what pages they view, the number of bytes transferred, the links they click, and other actions taken within our websites and portals. We may also use this information to improve our security measures. We also collect certain standard information that your browser sends to every website you visit, such as your Internet Protocol (IP) address, your browser type and capabilities and language, your operating system, the date and time you access the site, and the website from which you linked to our site.

Cookies are small files that websites and portals save to your hard disk or to your browser's memory. Our websites may use them to track the number of times you have visited the websites, to track the number of visitors to the websites, to determine and analyze visitors' use of our websites, to store information that you provide (such as your preferences), and to store technical information related to your interactions with our websites. We may also use session cookies, which are deleted when you close your browser, to store your user ID, to facilitate your movement around our websites.

Our websites may also contain electronic images known as Web beacons—sometimes called single‑pixel gifs—that allow us to count the number of users who have visited those pages.

Our websites and portals may use Google Analytics and Google Tag Manager, which are web analytics services provided by Google LLC. These services use cookies to analyze your use of our websites or portals. The information collected by these cookies about your use of our websites or portals is transmitted to and stored on Google servers. Google uses this information to assess your use of our websites or portals and provides reports on data. This data may include how often you visit our websites or portals, what pages you view when you visit the websites or portals, and what other websites you have visited prior to visiting our websites or portals. Google may transfer this information to third parties, if required by law or if third parties process the information on behalf of Google.

You may review Google’s data privacy practices for Google Analytics and data privacy practices for Google Tag Manager. You may also review Google’s Privacy Policy and Terms of Service for more information. To opt out of being tracked by Google Analytics, you may download and install the Google Analytics Opt‑out Browser Add‑on. You may also set your preferences in the Cookie Preferences button on our websites as explained below. If you do not want to be tracked by Google Analytics cookies you can opt‑out by installing a browser plug‑in here: https://tools.google.com/dlpage/gaoptout/

We may use Google reCAPTCHA on our websites or portals, which checks whether our websites or portals are being used by humans or bots. reCAPTCHA analyzes website visitor behavior based on various characteristics, including mouse movements, visit duration, IP address, and other information.

You may choose to allow or disable cookies which are not required for our sites via the Cookie Preference Manager, which may be accessed through the banner when first visiting our websites. To set or modify your preferences on subsequent visits or at any time, the Cookie Preference Manager may be accessed via the Cookie Preferences button located at the bottom of our website.

You can also opt out of the collection of your personal information via cookies by enabling a Global Privacy Control (“GPC”) signal, which may be accessed by installing a supported web browser or browser extension.

Most Internet browsers automatically accept cookies, but you can usually modify your browser settings to decline cookies or to notify you when a cookie is being placed on your computer. If you choose not to accept cookies, you may not be able to experience all of the features of our websites. Internet browsers also enable you to delete existing cookies, although this means that your existing settings (including stored user IDs and other preferences) will be lost. Some web browsers may also give you the ability to enable a “do not track” or “global privacy control” setting. This setting sends a signal to the websites you encounter while web browsing. If our website receives a global privacy control signal, we will honor it.

During your visit to our websites, you may notice embedded content from other social media websites such as YouTube, Twitter, Instagram or Facebook. When you interact with content for example, by playing videos embedded in our website or accessing social media platforms from our website, you may be presented with cookies from these third parties. Some of these third parties may collect your personal information for targeted advertising.

PALIG is not responsible and has no control over social media cookies. To learn more about the privacy policies of these third party, you should review the third party’s cookie policy.

We will process your personal information only for the purposes set forth below:

Services and transactions. We process personal information to deliver services or execute transactions you request, such as providing information about PALIG products and services, answering customer service requests, providing you insurance coverage, processing claims, facilitating use of our website and portals, and so forth. To offer you a more consistent experience when interacting with PALIG, information collected by our websites and portals may be combined with information we collect by other means, i.e. phone, e‑mail or paper.

Website and portal improvement. We may use information about you to improve our websites and portals (including our security measures) and related products or services, or to make our websites and portals easier to use by eliminating the need for you to repeatedly enter the same information, or by customizing our websites to your preferences or interests.

Marketing Communications. With your permission, we may use personal information to let you know about available products or services. When collecting information that might be used to contact you about our products and services, we give you the opportunity to opt‑out from receiving such communications. Moreover, each email communication we send includes an unsubscribe link, allowing you to stop delivery of that type of communication. If you elect to unsubscribe, we will remove you from the relevant list within 10 business days.

Employment Applications. In connection with a job application or inquiry, you may provide us with information about yourself, including your educational background, résumé or curriculum vitae, and other information, including your ethnicity where required or permitted by law. We may use this information throughout PALIG for the purpose of employment consideration. We will keep the information for future consideration unless you direct us not to do so.

PALIG will share your personal information with third parties only in ways that are described in this Privacy Policy. Your personal information is never shared outside PALIG without your permission, except under conditions explained below.

Because PALIG is a global company, your personal information may be shared with other PALIG affiliates governed by this Policy to provide the services you request.

Third‑Party Processing. We may share your personal information with our trusted business partners for limited processing purposes that allow us to complete day‑to‑day business tasks like policy issuance, premium payments, claim processing etc.When we do so, we require our business partners to exercise reasonable care to protect such information and restrict its use to the purposes for which it was provided to them and to never sell your information.

Disclosure to service providers. PALIG contracts with other companies to provide services on our behalf, such as hosting websites, sending out information, and analyzing our websites. We provide these companies with only those elements of personal information they need to deliver their services. These companies and their employees are prohibited from using your information for any other purposes.

Disclosure for other reasons. We may disclose personal information if required to do so by law or in the good‑faith belief that such action is necessary to comply with legal requirements or respond to court orders, to protect and defend our rights or property, or in urgent circumstances to protect the personal safety of any individual.

PALIG may share customer information within our affiliates governed by this Privacy Policy for a variety of purposes, for example, to service your policy or to provide you with the latest information about our products and services and offer you our latest promotions. To facilitate our global operations, we may transfer personal information from your home country to other PALIG locations.

The countries, including the U.S. and the other countries around the world where our individual affiliates, suppliers, or business partners maintain offices, to which we may transfer such information may have different information protection laws than the countries from which the information was initially collected or from which individual website or portal visitors access the website or respective portal. To protect your information, we make sure to implement safety measures applicable to information in transit, and to include contractual protections that ensure reasonable safety levels for your information.

By choosing to use our websites and portals and by submitting personal information to us, you consent to the transfer of such information outside of your country. When applicable, we will request your active consent to process sensitive information.

We will only retain your personal information 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 if we have a legal obligation to do so (e.g. in the event of a complaint or if we reasonably believe there is a prospect of litigation, or regulatory investigation).

To determine the appropriate retention period for personal information, we consider the amount, nature and sensitivity of the information, the potential risk of harm from unauthorized use or disclosure of your personal information, the purposes for which we process your personal information and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting, or other requirements.

At our organization, safeguarding your personal information is a top priority. We’ve implemented robust security measures to ensure the confidentiality, integrity, and availability of your data. Here’s how we protect your information:

Risk Mitigation and Security Measures:

Access Control:

Incident Response Procedures:

Ongoing Training and Awareness:

Our websites may contain links to other websites on the Internet that are owned and operated by third parties. These websites operate independently from ours, and we do not control and are not responsible for the content, security or privacy practices employed by other websites. You should review the privacy statements of those websites to determine how they protect and use personal information.

We do not knowingly solicit or collect personal information from children under the age of 13 without parental consent. If we learn that we have collected personal information from a child under age 13 without parental consent, we will promptly delete that information. If you believe that a child under age 13 may have provided us with personal information without parental consent, please contact us.

To the extent provided by the law of your jurisdiction, you may have rights such as to (1) to know if PALIG processes your personal information and to access that information; (2) request that we update, correct, amend, erase or restrict the use of your personal information; (3) withdraw your consent to allow PALIG to process your information; (4) exercise your right to data portability; (5) request a list of the third parties we share your information with; (6) or log a complaint with the appropriate regulator.

To exercise these rights, please click here. If you experience technical errors with or are unwilling to verify your identity through our verification process, please contact us at privacy@palig.com.

After receiving your request, we will authenticate your identity and work on your request. We strive to respond to all legitimate requests within thirty (30) days. Occasionally it could take us longer than a month if your request is particularly complex or you have made more than one requests. In this case, we will notify you and keep you updated. Please note we will not discriminate against you for the exercise of these rights.

If you choose to exercise a privacy right, you may have the right to appeal our decision regarding such right. To do so, please click here and we will strive to communicate our decision within sixty (60) days counting from the day it was received.

If you have any questions about this Policy, PALIG’s privacy practices, please contact our Global Privacy Office at privacy@palig.com or by mail at:

Pan‑American Life Insurance Group

Attn: Global Privacy Office

601 Poydras Street, 10^th Floor

New Orleans, Louisiana 70130

PALIG may occasionally update this Privacy Policy. When we do, we will revise the "last update" date at the bottom of the Privacy Policy. You should revisit this page periodically to become aware of the most recent privacy terms.