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Supplemental Privacy Statement by State

At Pan‑American Life Insurance Group, Inc. and its controlled affiliates, subsidiaries, and branches (collectively, “PALIG”) we are committed to protecting your privacy. Part of that commitment is making sure we follow U.S. state and country specific privacy laws and regulations. This section complements our Privacy Policy; please make sure to read that document as well to have a comprehensive view of our privacy practices. If you need to review a country’s specific privacy practices, please select the appropriate country from the menu at the top of the page.
All definitions used in this section are based on the California Consumer Privacy Act (“CCPA”), unless otherwise noted. For the purposes of this section, “Personal Information” is information that identifies, relates to, or could reasonably be linked with a particular resident or household.
Collection of Personal Information
During the past 12 months, PALIG may have collected the following types of personal information about you:
Category
Examples
Identifiers
Name, contact information, unique personal identifier, online identifier, Internet Protocol address, account name, Social Security number, driver's license number, passport number, among others
Personal information
Name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, health insurance information, or benefits information
Characteristics of protected classifications
Age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex, sexual orientation, veteran or military status, genetic information
Commercial information
Transaction information and purchase history, such as records of personal property, products or services purchased, obtained, or considered
Biometric information
Fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data
Internet or other similar activities
Browsing history, search history, information on a consumer's interaction with our website, application, or advertisement
Geolocation data
Physical location or movement about a particular individual or device
Audio, electronic, visual and similar information
Call and video recordings
Professional or employment‑related information
Current or past job history or performance evaluations
Inferences drawn from other personal information
Profile reflecting a person's preferences, characteristics, trends, and attitudes
As expressed in our , we can obtain these categories of personal information from:
  • Information collected from direct interactions with you
  • Information collected directly from website visitors
  • Information collected from portal visits
  • Information collected by automated means
Use of Personal Information
We use your information to provide you a service, for example, to provide you a quote or create an account in our website.
  • To administer your policy, for example, to bill you, communicate with you or administer a claim.
  • To provide you newsletters or offer you new products.
  • To invite you to our events.
  • To manage your accounts with us.
  • To process your transactions and payments.
  • To provide you customer service.
  • To personalize our website and give you and experience relevant to your needs and interests.
  • To keep our website, products and services up to date, secure and accurate.
  • To perform identity verification.
  • For research, product development and benchmarking.
  • To respond to law enforcement requests, when applicable, and to comply with our internal policies and procedures.
  • To protect our business operations, secure our network and information technology, assets and services.
  • To prevent and detect fraud, unauthorized activities, unauthorized access and other misconduct.
  • To operate, manage, and maintain our business, perform accounting and audits.
  • To maintain records.
  • To enhance the ability of visitors to browse and load website content.
  • Disclosure of personal Information
Sharing Personal Information
Categories of Personal Information
Our Affiliates
Our Business Partners
Our Social Media Networks
Third Party Marketing Partners
Benefit plan’s plan sponsor or plan administrator
Identifiers
X
X
X
X
Personal information
X
X
X
Characteristics of protected classifications
X
X
X
Commercial information
X
X
X
X
Biometric information
X
X
X
Internet or other similar activities
X
X
X
X
Geolocation data
X
X
X
X
X
Audio, electronic, visual and similar information
X
X
Professional or employment‑related information
X
Inferences drawn from other personal information
X
X
X
PALIG may be required to disclose all categories of personal information with law enforcement, regulatory agencies, or litigants based on legally enforceable requests for this information.
We Do Not Sell your Information: We will not sell your personal information to anyone, for any purpose. Likewise, we do not engage in the use automated means to make decisions that involve sensitive information.
Your Rights
Some of the U.S states and countries where we operate have a specific list of rights that their residents can exercise. Please search the list below to identify your rights based on your state/country of residence.
To exercise your privacy rights, you must submit a verifiable request here. Once we receive and verify this request, we will strive to respond to all legitimate request within thirty (30) days the number of days, unless an exception applies. You may have the right to appeal our decision regarding your request. To file for an appeal click here.
We will not discriminate against you for exercising your privacy rights. Once you exercise your rights, we will not:
  • Deny you services.
  • Charge you different prices or rates, or impose penalties.
  • Provide you a different level or quality of services.
  • You may authorize an agent to submit a privacy request on your behalf. Please note, requests submitted by authorized agent also require verification of your identity before processing.
Changes to this Policy
We may change or update this Policy from time to time. When we do, we will post the revised Policy on this page with a new “Last Updated” date.
Right to Request Accessible Alternative Format
This Policy has been designed to be accessible to people with disabilities. If you are having difficulty viewing or navigating the content on this Policy, please email our team at adacompliance@palig.com with “Disabled Access” in the subject line. You can also reach us via phone by calling 1‑877‑939‑4550.
Last Updated May 2024

State Regulations

Explore your rights by state
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Select your state

California Residents Rights

  • Right to Initial Notice: Is the right to be notified at or before the point of collection of the categories of personal information collected and the purposes for which such categories are used.
  • Right to Know, Access and Portability: Customers may request that we disclose the following information gathered about them in previous 12 months, and that we provide it to them in a portable format:
    • Categories of personal information we collected about you and the sources we used for such collection.
    • The specific Personal Information we collected about you.
    • The business or commercial purpose for collecting such Information.
    • The categories of Personal Information about you that we shared or disclosed.
    • The parties with who we shared your Personal Information
  • Right to Delete: you have the right to delete personal information that we have collected from you, subject to certain exceptions explained in the law.
  • Right to Correct: You have the right to correct inaccurate personal information that we maintain about you.
  • Right to Opt‑Out: You have the right to opt‑out of selling or sharing of your personal information by us. Although you have this right under California law, we do not sell your personal information for monetary consideration or share it for cross‑contextual behavioral advertisement.
  • Right to Limit Use of Sensitive Information: You have the right to limit the use or disclosure of your sensitive information by us other than to purposes permitted by the CCPA. However, we limit the use of your sensitive information to those uses allowed by the CCPA, so there is no need for you to request to limit the use or disclosure of your sensitive personal information.
  • Right to Non‑Discrimination: You have the right not to be discriminated against for exercising any of your privacy rights.

Colorado Residents Rights

  • Right to Know, Access and Portability: Customers may request that we disclose the personal information gathered about them and that we provide this information to them in a portable format.
  • Right to Delete: you have the right to delete personal information that we have collected from you.
  • Right to Correct: You have the right to correct inaccurate personal information that we maintain about you.
  • Right to Opt‑Out: You have the right to opt‑out of selling or sharing of your personal information by us. Although you have this right under Colorado law, we do not sell your personal information for monetary consideration or share it for cross‑contextual behavioral advertisement. You can also opt‑out from targeted advertisement by expressing your choice in our cookie banner.
  • Right to Appeal a Refusal to Take Action related to Privacy Rights: You have the right to appeal our refusal to take action on privacy rights requests.
If you are not satisfied with the outcome of the appeal, you may contact the Colorado Attorney General to submit a complaint.
  • Right to Revoke Consent to Process Sensitive Information: you have the right to ask us to stop processing your sensitive information in a way that is at least as easy as the mechanism by which you provided the consent to process it.
  • Right to Non‑Discrimination: You have the right not to be discriminated against for exercising any of your privacy rights.
To exercise your rights, click here.

Connecticut Residents Rights

  • Right to Know, Access and Portability: Customers may request that we disclose the personal information gathered about them and that we provide this information to them in a portable format.
  • Right to Delete: you have the right to delete personal information that we have collected from you.
  • Right to Correct: You have the right to correct inaccurate personal information that we maintain about you.
  • Right to Opt‑Out: You have the right to opt‑out of the sale of your personal information and profiling by us by us. Although you have this right under Connecticut law, we do not sell your personal information for monetary consideration or share it for cross‑contextual behavioral advertisement (profiling). You can also opt‑out from targeted advertisement by expressing your choice in our cookie banner.
  • Right to Appeal a Refusal to Take Action related to Privacy Rights: You have the right to appeal our refusal to take action on privacy rights requests.
If you are not satisfied with the outcome of the appeal, you may contact the Connecticut Attorney General to submit a complaint.
  • Right to Revoke Consent to Process Sensitive Information: you have the right to ask us to stop processing your sensitive information in a way that is at least as easy as the mechanism by which you provided the consent to process it.
  • Right to Non‑Discrimination: You have the right not to be discriminated against for exercising any of your privacy rights.
To exercise your rights, click here.

Oregon Residents Rights

  • Right to Know, Access and Portability: Customers may request that we disclose the personal information gathered about them and that we provide this information to them in a portable format.
  • Right to Delete: you have the right to delete personal information that we have collected from you.
  • Right to Correct: You have the right to correct inaccurate personal information that we maintain about you.
  • Right to Opt‑Out: You have the right to opt‑out of selling or sharing of your personal information by us. Although you have this right under Oregon law, we do not sell your personal information for monetary consideration or share it for cross‑contextual behavioral advertisement. You can also opt‑out from targeted advertisement by expressing your choice in our cookie banner.
  • Right to request a list of the third parties we have shared your information with.
  • Right to Appeal a Refusal to Take Action related to Privacy Rights: You have the right to appeal our refusal to take action on privacy rights requests.
If you are not satisfied with the outcome of the appeal, you may contact the Oregon Attorney General to submit a complaint.
  • Right to Revoke Consent to Process Sensitive Information: you have the right to ask us to stop processing your sensitive information in a way that is at least as easy as the mechanism by which you provided the consent to process it.
  • Right to Non‑Discrimination: You have the right not to be discriminated against for exercising any of your privacy rights.
To exercise your rights, click here.

Texas Residents Rights

  • Right to Know, Access and Portability: Customers may request that we disclose the personal information gathered about them and that we provide this information to them in a portable format.
  • Right to Delete: You have the right to delete personal information that we have collected from you.
  • Right to Correct: You have the right to correct inaccurate personal information that we maintain about you.
  • Right to Opt‑Out: You have the right to opt‑out of the sale of your personal information and profiling by us by us. Although you have this right under Connecticut law, we do not sell your personal information for monetary consideration or share it for cross‑contextual behavioral advertisement (profiling). You can also opt‑out from targeted advertisement by expressing your choice in our cookie banner.
  • Right to Appeal a Refusal to Take Action related to Privacy Rights: You have the right to appeal our refusal to take action on privacy rights requests.
If you are not satisfied with the outcome of the appeal, you may contact the Connecticut Attorney General to submit a complaint.
  • Right to Revoke Consent to Process Sensitive Information: You have the right to ask us to stop processing your sensitive information in a way that is at least as easy as the mechanism by which you provided the consent to process it.
  • Right to Non‑Discrimination: You have the right not to be discriminated against for exercising any of your privacy rights.
To exercise your rights, click here.

Utah Residents Rights

  • Right to Know, Access and Portability: Customers may request that we disclose the personal information gathered about them and that we provide this information to them in a portable format.
  • Right to Delete: You have the right to delete personal information that we have collected from you.
  • Right to Opt‑Out: You have the right to opt‑out of the sale of your personal information by us. Although you have this right under Utah law, we do not sell your personal information for monetary consideration. You can also opt‑out from targeted advertisement by expressing your choice in our cookie banner.
  • Right to Non‑Discrimination: You have the right not to be discriminated against for exercising any of your privacy rights.
To exercise your rights, click here.

Virginia Residents Rights

  • Right to Know, Access and Portability: Customers may request that we disclose the personal information gathered about them and that we provide this information to them in a portable format.
  • Right to Delete: you have the right to delete personal information that we have collected from you.
  • Right to Correct: You have the right to correct inaccurate personal information that we maintain about you.
  • Right to Opt‑Out: You have the right to opt‑out of the sale of your personal information and profiling by us. Although you have this right under Virginia law, we do not sell your personal information for monetary consideration or engage in profiling. You can also opt‑out from targeted advertisement by expressing your choice in our cookie banner.
  • Right to Appeal a Refusal to Take Action related to Privacy Rights: You have the right to appeal our refusal to take action on privacy rights requests.
If you are not satisfied with the outcome of the appeal, you may contact the Virginia Attorney General to submit a complaint.
  • Right to Non‑Discrimination: You have the right not to be discriminated against for exercising any of your privacy rights.
To exercise your rights, click here.

Washington Residents Rights

  • Right to Know, Access and Portability: Customers may request that we disclose the personal information gathered about them and that we provide this information to them in a portable format.
  • Right to Delete: You have the right to delete personal information that we have collected from you.
  • We do not sell your personal information for monetary consideration or share it for cross‑contextual behavioral advertisement (profiling).
  • Right to request a list of the third parties we have shared your information with.
  • Right to Appeal a Refusal to Take Action related to Privacy Rights: You have the right to appeal our refusal to take action on privacy rights requests.
  • Right to Revoke Consent to Process Sensitive Information: You have the right to ask us to stop processing your sensitive information in a way that is at least as easy as the mechanism by which you provided the consent to process it.
  • Right to Non‑Discrimination: You have the right not to be discriminated against for exercising any of your privacy rights.
To exercise your rights, click here.

California Residents Rights

Colorado Residents Rights

Connecticut Residents Rights

Oregon Residents Rights

Texas Residents Rights

Utah Residents Rights

Virginia Residents Rights

Washington Residents Rights

  • Right to Initial Notice: Is the right to be notified at or before the point of collection of the categories of personal information collected and the purposes for which such categories are used.
  • Right to Know, Access and Portability: Customers may request that we disclose the following information gathered about them in previous 12 months, and that we provide it to them in a portable format:
    • Categories of personal information we collected about you and the sources we used for such collection.
    • The specific Personal Information we collected about you.
    • The business or commercial purpose for collecting such Information.
    • The categories of Personal Information about you that we shared or disclosed.
    • The parties with who we shared your Personal Information
  • Right to Delete: you have the right to delete personal information that we have collected from you, subject to certain exceptions explained in the law.
  • Right to Correct: You have the right to correct inaccurate personal information that we maintain about you.
  • Right to Opt‑Out: You have the right to opt‑out of selling or sharing of your personal information by us. Although you have this right under California law, we do not sell your personal information for monetary consideration or share it for cross‑contextual behavioral advertisement.
  • Right to Limit Use of Sensitive Information: You have the right to limit the use or disclosure of your sensitive information by us other than to purposes permitted by the CCPA. However, we limit the use of your sensitive information to those uses allowed by the CCPA, so there is no need for you to request to limit the use or disclosure of your sensitive personal information.
  • Right to Non‑Discrimination: You have the right not to be discriminated against for exercising any of your privacy rights.
Hurricane Notice
Due to the tragic impact that this season's hurricanes have had on so many, any policyholder affected by hurricane disasters who needs additional time to make a premium payment or comply with a policy deadline is encouraged to contact us so we can make reasonable accommodations to assist you.
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