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Notice of Privacy Policy and Information Practices
American National Insurance Company and its subsidiaries are committed to providing insurance and annuity products and services designed to meet your needs. We are equally committed to respecting your privacy and protecting the information about you that we may receive. We have prepared this notice to advise you what information we collect, how we use it and how we protect it.
What Information We Collect
As an essential part of our business, we obtain certain personal information about you in order to provide a financial product or service to you. Some of the information we receive comes directly from you on applications or other forms, and may include information you provide during visits to our Web site. We may also receive information from physicians, testing laboratories and other health providers, and from consumer reporting agencies. The types of information we receive may include addresses, social security numbers, family information, current and past medical history and financial information, including information about transactions with other financial institutions.
What Information We Disclose
We do not disclose nonpublic personal information about our current or former customers to any non-affiliated entity, except as permitted by law. Examples of the disclosures which we are permitted by law to make include: disclosures necessary to service or administer an insurance or annuity product that you requested or authorized; disclosures made with your consent or at your direction; disclosures made to your legal representative; disclosures made in response to a subpoena or an inquiry from an insurance or other regulatory authority; disclosures made to comply with federal, state or local laws and to protect against fraud.
Our Privacy Protection Procedures
We protect information about you from unauthorized access. Our employees and agents receive training regarding our privacy policies, and access to information about you is restricted to those individuals that need such information in order to provide products and services to you. Examples of activities requiring access to personal information include: underwriting; claims processing; reinsurance and policyholder service. Finally, we employ secure technologies in order to safeguard transmission of information about you through our web sites, and we have established and maintain procedures to comply with all state and federal laws and regulations regarding the security of personal information.
Your Right to Review Information About You
You have the right to review the recorded personal information about you contained in our files and to obtain a copy of such information. You also have the right to request that we correct, amend or delete any such information if it is in error or you do not wish us to maintain such information, provided that it is not necessary for us to maintain such information in order to properly service or administer insurance products or services requested or authorized by you. Upon your request to the address listed below, we will provide you with a complete statement of our Information Practices and Privacy Policy and the procedures by which you may review, obtain copies of, and/or request the correction of personal information about you contained in our files. If you have questions about this notice or the personal information contained in our files, please contact us at: Privacy Compliance, P. O. Box 1896, Galveston, Texas 77553-9902. Please include your policy or contract number and the name of the company that issued your policy in any correspondence.
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.
American National is a group of companies writing a broad array of insurance products and services and operating in all 50 states. American National Insurance Company was founded in 1905 and is headquartered in Galveston, Texas. Life insurance, annuities, health insurance, credit insurance, pension products, and other products and services are written through multiple companies. Property and casualty insurance is written through American National Property And Casualty Company, Springfield, Missouri, and affiliates. In New York, business is written through Farm Family Casualty Insurance Company, United Farm Family Insurance Company, and American National Life Insurance Company of New York, Glenmont, New York. Not all products and services are available in all states. Not all companies are licensed in all states. Each company has financial responsibility only for the products and services it issues.
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