Privacy Policy

We’re Here To Help During A Difficult Time

Dear Valued Customer:

We thank you for your trust and confidence. We are committed to providing you, our customer, with competitive insurance products and services to help you meet your changing needs. We are equally committed to protecting the private and personal information we collect and maintain about you.

This notice describes our current privacy policy and practices about your nonpublic personal information (“NPI”). You do not need to contact us to benefit from our privacy protections. This notice applies to American Fidelity Life Insurance, and their agents, if applicable.

Why is it Needed?

To provide our insurance products to you, we gather personal information and NPI about you. Federal and state laws require us to tell you how we collect, share, and protect your personal information and NPI. Please read this notice to understand how we handle this information.

What is Collected?

The type of personal information and NPI we collect and share depends on the product you have with us. This information can include:

Social Security number,
Credit card information,
Personal medical information, and
Bank account number(s).

How is Your Information Protected?

We have implemented high standards to safeguard your personal information and NPI, and maintain strict control over access to such information, including the use of computer safeguards and secured files and buildings. These standards meet or exceed the federal and state law requirements. To ensure the safety and confidentiality of your personal information and NPI, we continually:

Maintain and monitor physical, electronic, and procedural safeguards;
Review our policies and practices;
Monitor our computer networks;
Test the strength of our security;
Restrict employee access to those who need the information to perform their assigned duties and provide products and services to you; and
Perform full and thorough employee background screening.

Do You Need to Do Anything?

For American Fidelity Life Insurance Company, you do NOT need to take any action in response to this Privacy Notice. Because we do not share your personal information or NPI with anyone other than as noted in this notice, you do not need to opt-out. If you have questions, please feel free to contact us.

Our Privacy Principles:

We do not sell or rent your personal information;
We do not share your personal information with non-American Fidelity companies who want to market their products or services to you;
We require all entities providing products or services on our behalf to protect customer information;
We do not share your medical information unless you expressly authorize it, it is permitted or required by law, or your application, policy, or contract with us permits disclosure; and
All customers (former, existing, and potential) receive the same privacy protections.

Information We May Collect and Use:

Your personal information and NPI cannot be obtained from public sources such as telephone directories or government records. We seek to collect and use information that is necessary to conduct our business, advise you of our products and services, provide you with customer service, and confirm your identity. We may gather NPI about you through sources such as:

Applications, forms, and medical exams and tests that you complete.
Policies, certificates, and contracts for products that you have with us.
Written, electronic, telephone, and other communications from you or your agent, if applicable.
Your transactions or experiences with us, such as payment, underwriting, and claim details.
Persons other than the individual or individuals proposed for coverage.

How We Use Information About You:

We use your personal information to:

Process your application;
Process your claim;
Provide customer service; and
Offer additional products that may suit your needs.

Confidentiality of Medical Information:

You may have concerns about the privacy and protection of your medical information. We only use and share personally identifiable medical information for the following purposes:

To underwrite life insurance and make eligibility, risk rating, and policy/certificate/contract issuance determinations;
To administer your policy/certificate/contract or claim; and
For other purposes as required or permitted by law, such as in response to legal process.

Medical Information Bureau Notice

Information regarding your insurability will be treated as confidential. American Fidelity Life Insurance Company, or its reinsurers may, however make a brief report thereon to MIB, a not-for-profit membership organization of insurance companies, which operates an information exchange on behalf of its Members. If you apply to another MIB Member company for life or for health insurance coverage, or a claim for benefits is submitted to such a company, MIB, upon request, will supply such company with the information in its file. Upon receipt of a request from you, MIB will arrange disclosure of any information it may have in your file. If you question the accuracy of information in MIB’s file, you may contact MIB: 50 Braintree Hill Park, Suite 400, Braintree, MA 02184-8734, toll free (866) 692 6901 and seek a correction in accordance with the procedures set forth in the Federal Fair Credit Reporting Act. American Fidelity Life Insurance Company, or its reinsurers, may also release information in its file to other insurance companies to whom you may apply for life or health insurance, or to whom a claim for benefits may be submitted only with your specific written release. I authorize American Fidelity Life Insurance Company, or its reinsurers, to make a brief report of my personal health information to MIB.

Information We May Disclose:

We do not disclose NPI about you to anyone except as required or permitted by applicable law. We do not sell, or otherwise distribute for sale, customer lists or any NPI about our customers. To provide you with quality service, sometimes it is necessary for us to share your personal information with others.

We may share your personal information with:

An American Fidelity Life Insurance Agent, or broker, if applicable, who is authorized to represent us to better serve you and help meet your product and service needs;
Companies or individuals performing services on our behalf such as marketing, printing, and mailing vendors;
MIB, Inc., consumer reporting agencies, or other entities as needed to underwrite policies, process claims, and protect against fraud; and
Regulatory authorities, law enforcement, or other government agencies as required by law or in response to a valid subpoena.

Information obtained from a report prepared by an insurance support organization may be retained by the insurance support organization and disclosed to other persons. We require all third parties providing services to us to keep confidential and protect NPI and to use it only for the services we have authorized.

Customer Records:

Maintaining complete and accurate customer information is important to us. In general, you have the right to review, copy, and correct your personal information. We will not make available to you any information collected in connection with or in anticipation of a claim or lawsuit in which you are involved. If you believe that any of our records are incorrect, you may notify us in writing of any correction(s). We will correct your information within 30 days or provide you with the reason(s) the change is not made and inform you of your right to file a statement about the correction(s). Your statement will be kept on file and provided to anyone reviewing your records. Any correction(s) will be sent to those parties who may have received information from us within the past two years or to support organizations that have received such information during the past seven years. If you believe that our records contain incorrect information, or you would like more information on how to view or correct your information, please contact us.

For American Fidelity Life Insurance Company customers, please call 850-456-7401

For Those Visiting Our Websites

Our concern for the privacy of your personal information extends to your use of our websites. We use technologies such as data encryption and Secure Sockets Layer (SSL) protocol to provide a high level of security and privacy when you use our websites.

We do not track users who do not interact with our websites sharing functionality across the web; and thus do not use “do not track” signals. We do not authorize the collection of personally identifiable information from our websites for non-American Fidelity company use.

When you visit our website, we may collect certain technical and navigational information, such as computer browser type, Internet protocol address, pages visited, and average time spent on our website. This information may be used, for example, to alert you about software compatibility issues or to resolve technical or service problems, or it may be analyzed to improve our site design and functionality, as well as our ability to serve you. We improve our products and advertising by using Microsoft Clarity to see how you use our website. By using our site, you agree that we and Microsoft can collect and use this data.

In certain instances, we may use third-party service providers to place advertisements for us on other websites and help us measure the effectiveness of our online advertising. We do not provide any personally-identifiable information about our users or customers to these service providers, and they do not collect such information for us.

For Those Receiving E-mails

We may communicate with you by e-mail about our products. If you would like to no longer receive e-mails about our products, please click the link at the bottom of the e-mail.

Further Information

This notice is provided to you pursuant to federal law, which requires a financial institution to notify its customers of its privacy practices and procedures once a year. We reserve the right to change our practices or procedures after providing you proper notice. For additional information you may contact us.

Contact Us

Thank you for choosing American Fidelity Life Insurance. We value you as a customer and appreciate the opportunity to serve you. For questions about our privacy policy, please contact our Administrative Office at:

American Fidelity Life Insurance Company

Administrative Office

500 S. Palafox St, Ste 200

Pensacola, FL 32502

850-456-7401

PS2015