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 service you have with us. This information can include:

• Name, address, phone number, email address, social security number, driver's license number, and date of birth.
• Bank account information.
• Employment, demographic, and financial information.
• Protected characteristics including age, sex, and citizenship, and marital status.
• Participant information we receive from organizations that purchase products or services from us for the benefit of their members or employees.
• Biometric information, including but not limited to voiceprints from phone calls with American National. 
• Sensory information, including but not limited to continuous voice recordings. 
• Information we receive from you on applications or other forms, including information you provide during your visits to our websites and mobile applications.
• Information we receive from third parties that help us process or service transactions, such as business application and technology companies, financial advisors, and attorneys.
• Information we receive from third party service and marketing providers about your internet visits to our website and third party websites.
• Information we receive from your transactions with us, our affiliates or others, such as geolocation data, internet or network activity, purchase history, and inferences.

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 share their customers' personal information, the reasons American National chooses to share, and whether you can limit this sharing.

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:

• (Option 1) Call our toll-free telephone number and a customer service representative will guide you through the process.
• (Option 2) Email your request to ConsumerPrivacy@AmericanNational.com

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 preexisting 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?

Call (866) 227-3109 and ask to speak to a representative.

Who we are:

What we Do:

Definitions:

Other Important Information

If you are a resident of Arizona, California, Connecticut, Georgia, Illinois, Maine, Massachusetts, Minnesota, Montana, Nevada, New Jersey, North Carolina, Ohio, Oregon, Virginia, or Wisconsin 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 with 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 your 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 Oregon Revised Statute § 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 here.