Why?
Financial companies, such as American National Insurance Company and its Affiliates (“American National”), choose how they share your personal information. Applicable law gives consumers the right to limit some but not all sharing. Applicable law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
How?
All financial companies need to share customers’ personal information, as permitted by law, to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, the reasons American National chooses to share, and whether you can limit this sharing.
Why?
Financial companies, such as American National Insurance Company and its Affiliates (“American National”), choose how they share your personal information. Applicable law gives consumers the right to limit some but not all sharing. Applicable law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
| Reasons we can share your personal information | Do we share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus. | ✓ | ✗ |
| For our marketing purposes — to offer our products and services to you | ✓ | ✗ |
| For joint marketing with other financial companies | ✓ | ✗ |
| For our Affiliates’ everyday business purposes — information about your transactions and experiences | ✓ | ✗ |
| For our Affiliates’ everyday business purposes — information about your creditworthiness and insurability | ✓ | ✗ |
| For our Affiliates to market to you | ✓ | ✗ |
| For Nonaffiliates to market to you | ✓ | ✗ |
To limit sharing and marketing with Affiliates:
Where you can limit our sharing and marketing as noted above, you can do so by opting out as follows:
Please note:
We can begin sharing your information and extending marketing offers 30 days from the date we send this notice. When you are no longer our customer, we may continue to share your information as described in this notice.
You can contact us at any time to limit our sharing and marketing as noted in this notice or to revoke any previous opt out.
Affiliate Marketing:
Your choice to limit marketing offers from our affiliates will apply from the date you opt out. You do not need to act again until you receive a renewal notice.
Even if you opt out, you may continue to receive information about products or services offered by any of our Affiliates from our Affiliates with which you have a pre-existing relationship. You may also continue to receive information about products or services offered by our Affiliates from us. Your agent may also continue to tell you about other products or services that may help you achieve your financial goals.
Questions?
| Who we are: | |
|---|---|
| Who is providing this notice? | American National Insurance Company and American National Life Insurance Company of New York |
| What we do: | |
| How do we protect your personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with applicable law. These measures include technical, administrative and physical safeguards designed to protect your personal information and our computer systems and networks. |
| How do we collect your personal information? |
We collect your personal information, for example, when you:
We also collect your personal information from others, such as Affiliates, credit bureaus, and other companies. |
| Why can’t you limit all sharing? | Applicable law gives you the right to limit only:
|
| What happens when I limit sharing for an account I hold jointly with someone else? | Your choices will apply to everyone on your account. |
| Definitions: | |
|---|---|
| Affiliates |
Companies owned by, controlled by, or under common control with American National. They can be financial and nonfinancial. American National Affiliates include: American National Group, Inc., American National Life Insurance Company of Texas, Garden State Life Insurance Company, Standard Life and Accident Insurance Company, American National Life Insurance Company of New York, American National Lloyds Insurance Company, American National County Mutual Insurance Company, American National Property And Casualty Company, American National General Insurance Company, Pacific Property And Casualty Company, ANPAC Louisiana Insurance Company, ANICO Financial Services, Inc., PRT Solutions Canada, and Brookfield Asset Management Reinsurance Partners Ltd. and its subsidiaries. |
| Nonaffiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include marketing companies, mortgage companies, insurance companies, insurance agencies, broker-dealers, registered investment advisers, bank and trust companies, investment companies, investment vehicles, direct marketing companies, third-party administrators, brokers, and consultants. |
| Joint Marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include financial companies. |
Other important information
If you are a resident of Arizona, California, Connecticut, Georgia, Illinois, Kansas, Maine, Massachusetts, Minnesota, Montana, Nevada, New Jersey, North Carolina, Ohio, Oregon, or Virginia, you have the right to access the recorded personal information about you contained in our files. You also have the right to request that we correct, amend or delete any such information. Upon your request to the address or telephone number below, we will provide you procedures by which you may review, obtain copies of, or request the correction of recorded personal information about you contained in our files.
Privacy Compliance
P. O. Box 1896
Galveston, Texas 77553-9902
(866) 227-3109
For Vermont Residents: We will not disclose information about your creditworthiness to our Affiliates and will not disclose your personal information, financial information, credit report, or health information to Nonaffiliates to market to you, other than as permitted by Vermont Law, unless you authorize us to make those disclosures.
For Maine Residents: You have the right to know the reasons for an adverse underwriting decision. We will not use previous adverse underwriting decisions as the basis for subsequent underwriting decisions unless we make an independent evaluation of the underlying facts. You also have the right, with very narrow exceptions, to not be subject to pretext interviews.
For Massachusetts Residents: You have the right to know the reasons for an adverse underwriting decision. We will not use previous adverse underwriting decisions as the basis for subsequent underwriting decisions unless we make an independent evaluation of the underlying facts.
For Oregon Residents: You have certain rights related to authorization of disclosure of personal information in connection with insurance transactions (see Or. Rev. Stat. § 746.620, or any successor statute).
For California Residents: Please visit our website for information on your additional privacy rights under the California Consumer Privacy Act at https://www.americannational.com/wps/portal/an/home/legal/ccpa/
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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