NOTICE CONCERNING YOUR RIGHTS OF PRIVACY AS A CONSUMER
This Privacy Notice is provided on behalf of the following companies of the Pan-American Life Insurance Group:
- Pan-American Life Insurance Company
- Pan-American Assurance Company
- Pan-American Life Insurance Company of Puerto Rico
The words “we” or “us” or “our” within this Privacy Notice refers to the corresponding company that provides you with coverage.
Your privacy is very important to us. To better protect your privacy we provide this notice to explain our outline information practices and the choices you can make about the way your information is collected and used.
We may collect nonpublic personal information about you from the following sources:
- Information we receive directly from you in applications or other forms, such as your name, address, Social Security number; and your financial, health, and employment history;
- Information about your transactions with us, our affiliates or others;
- Information we receive from a consumer reporting agency; and
- Information we obtain through Internet technology.
It is important for us to collect and use this information to properly provide, administer, and perform services on your behalf.
We do not disclose any non-public information about our customers or former customers to anyone, except as permitted by law. Generally, we do not disclose nonpublic personal information to nonaffiliated third parties, except as necessary to provide quality insurance services. Accordingly, we will not sell your name, address or telephone number to telemarketers, or to direct mail solicitors, or to any other person.
In the ordinary course of our business, we may make disclosures to reinsurers, administrators, service providers, auditors, consultants and other persons in order to underwrite and administer your policy. Also, we may disclose information to your insurance agent for the purpose of administering our business and providing services to you. We may also provide information to an insurance institution or credit reporting agency in order to detect or prevent fraud in connection with insurance transactions. We may provide information to law enforcement authorities in order to protect our interest in preventing or prosecuting fraud. Similarly, we may provide information to investigators or attorneys who need information to investigate or defend or settle a claim. Also, we may provide information in response to judicial process or government regulatory authorities, or for other purposes as authorized by law.
We restrict access to your non-public personal information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your non-public personal information.
We may change these policies, standards, and procedures at any time. If there are material changes, we will notify you of the changes.
If you have any questions concerning your rights of privacy, please contact us at:
In the Continental United States:
Pan-American Life Insurance Group
Attn: Privacy Officer
601 Poydras Street, Suite 1530
New Orleans, LA 70130
In Puerto Rico:
Pan-American Life Company of Puerto Rico
Attn: Compliance Department
P.O. Box 364865
San Juan, Puerto Rico 00936