Privacy Policy

Privacy Policy

Effective Date: 12/8/2024

[AO Globe life AIL/NIL division] ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and safeguard your information.

1. Information We Collect

We may collect personal information about you, including:

Personal Identifiers: Name, address, phone number, email address, Social Security number.

Policy Information: Life insurance application details, policy numbers, and beneficiary information.

Financial Information: Payment details, income information, or other financial data relevant to underwriting or servicing your policy.

Health Information: Medical history and related data required for insurance applications or claims processing.

2. How We Use Your Information

We use the information we collect for the following purposes:

To process and evaluate your life insurance application.

To administer your policy, including billing and claims management.

To communicate with you about your policy and related services.

To comply with legal and regulatory requirements.

To detect and prevent fraud or other unauthorized activities.

3. Information Sharing

We do not sell your personal information. However, we may share your information with:

Affiliated Companies: For underwriting, claims, or administrative support.

Service Providers: Third parties who assist with policy administration, such as payment processing or IT services.

Regulatory Agencies: When required by law, for audits, or to comply with legal obligations.

Other Authorized Parties: With your consent or as directed by you (e.g., sharing information with a beneficiary).

4. Protecting Your Information

We maintain physical, electronic, and procedural safeguards to protect your information. Access to personal data is restricted to authorized employees and service providers who need it for legitimate business purposes.

5. Your Choices

You have certain rights regarding your information, including the right to:

Access or update your personal data.

Request deletion of certain information, subject to legal and business requirements.

Opt out of marketing communications.

To exercise these rights, please contact us at [Insert Contact Information].

6. Cookies and Online Tracking

Our website may use cookies and similar technologies to enhance user experience, track website performance, and gather analytics. You can manage cookie preferences through your browser settings.

7. Retention of Information

We retain personal information for as long as necessary to fulfill the purposes outlined in this policy or as required by law.

8. Updates to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with a revised "Effective Date."

9. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us:

Miguel Rosario

[AO Globe life AIL/NIL division]

[516-362-6691]

[Miguelr.nilico@gmail.com]