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Privacy Policy

Notice of Privacy Policy and Information Practices for California

The American National Companies respect your right to privacy. This notice explains how we collect and use personal data about our customers.

What Information We Collect
The personal data about you we obtain may include:

· Name, age, addresses, social security number, marital status
· Occupation, current and past medical history, financial information

We collect personal data from a variety of sources, such as:

· Applications or other forms you submit
· Consumer reporting agencies and insurance data banks
· Your business dealings with us or other companies

How We Use and Disclose Personal Data
We do not share or sell personal data about our current or former customers to anyone. We only disclose data about you as permitted or required by law. Where permitted by law, such disclosures may be made without further notice to you.

Disclosures we may legally make include:

· Those necessary to service your insurance or annuity contract
· Those made with your approval or at your direction
· Those made to assist law enforcement and prevent fraud
· Those made to comply with federal, state or local laws

We protect your personal data. The only employees who have access to your data are those who must have it to provide products or services to you.

Examples of functions that require access to personal data include:

· Underwriting and policy service
· Claims processing
· Reinsurance

We share personal data with insurance data banks that collect information about claim history. Insurance data banks may retain personal data and disclose it to other insurance companies and others legally entitled to see it.

We send current customers a privacy notice each year. If we change our practices, we will inform you promptly.
Your Right To Review and Correct Personal Data
You have the right to review your personal data in our files, and to ask us to correct data if it is in error. You have the right to ask us to delete data you do not wish us to keep. We will only continue to keep that data if it is required in order to service your insurance.

If you wish to review your personal data, please send a written request to Privacy Compliance, P. O. Box 1896, Galveston, Texas 77553-9902. Include your name, address, telephone number, policy number and Company name.

Protections for Children (Individual Users Under the Age of 13)

American National does not knowingly solicit information from children, nor do we knowingly market our products to children. Persons under 13 years of age may not submit or post personal information to American National without the consent of their parent or guardian. Persons under 13 years of age will not be listed in our member directory or receive direct marketing communications. No information collected from persons under 13 years of age will be used for any marketing or promotional purposes except as explicitly stated during registration.

All persons registering with American National will receive an email confirming their registration. Persons under 13 years of age must provide the email address of their parent or guardian when registering. The parent or guardian must validate the account of any person under 13 years of age in order for that person to use any interactive American National service.

Changes to Online Privacy Policy

American National reserves the right to amend this Online Privacy Policy at any time.  We will post the updated Online Privacy Policy on this website or announce the update on the home page of the website.  Any changes will become effective upon the posting of the updated Online Privacy Policy on this website.  If you do not agree with any of the terms of this Online Privacy Policy, you can choose to not continue to use this website.