In this Privacy Policy, “personal information” is information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked (directly or indirectly) with you or your household. In the preceding twelve (12) months, the types and catergories of personal information we collect may include:
- Account and contact information, including name, postal address, email address, phone number, username/login, and other contact information you provide us.
- Payment information, including bank account and/or credit or debit card information, if you have applied for or obtained an insurance policy with us.
- Account history, including commercial information about your policy, account, transactions, or discounts.
- Demographic information, including your age, gender, income level, education, or family or marital status.
- Health information in connection with your application for a policy.
- Location information, including general geographic location such as country, state or province, or city, and geolocation.
- Device information, including your IP address, device identifiers, operating system and version, preferred language, hardware identifiers, browser type and settings, and other device information.
- Inferences from personal information that could create a profile about your preferences and characteristics.
We limit the collection of personal information to what is reasonably required to fulfill the purposes for which it was collected. We collect personal information in the following ways:
Information You Provide Directly to Us
We collect information that you provide to us when you interact with, inquire about, or purchase products and/or services through the Globe Properties. If you refuse to provide any requested information (whether or not required), you may not be able to take full advantage of the Globe Properties and its features.
Information from Business Partners and Service Providers
We may receive information about you from other sources and combine that with information we collect directly about you. For example, we may obtain information about you from insurance agents and/or service providers we engage to perform services on our behalf, and other business partners if you have applied for or obtained an insurance policy with us.
Information Provided from Third Parties
We may also collect personal information about you from third parties, such as consumer reporting agencies, links from third-party websites, your contacts, a social media site, or a plug-in you use to log into or connect to the Globe Properties. We may associate or combine the information you provide through the Globe Properties with this information collected from third parties.
Social Media
We may use different social media websites and applications to interact with you. Any information collected about you from our interactions with you or other users (e.g., any users who are connections of yours) is subject to the requirements and restrictions set out in our social media best practices, which we provide for our employees and insurance agents to follow.
Information Automatically Collected
When you use the Globe Properties, the server may automatically recognize you by a “cookie” or other tracking technology. These automatic data collection technologies act as unique identifiers and allow us to tailor the Globe Properties to your specified interests and keep track of your activity on the Globe Prolperties. This information may be added to your user profile and used to deliver offers and advertisements that we believe are relevant to your interests. For more information about how we use cookies, please visit our Cookie Policy.
Furthermore, we may retrieve certain information from your browser (e.g., browser type, referrer URL, date and time of your visit, IP address) and device (e.g., MAC address, device type, screen resolution, and OS version). We use this information to monitor the performance of the Globe Properties, analyze traffic patterns and usage, ensure that the Globe Properties, and any related transactions function properly, and that they gather demographic information about our user base as a whole. This information may also be appended to your user profile so that we may further tailor the Globe Properties to your interests and send you offers based on such information. Please also see Choices and Access below for more information on how to manage your privacy preferences.
Our advertisers, publishers, and other third-party partners may also utilize third-party cookies and other tracking technologies like clear pixel GIFs (i.e., Web beacons) to identify you and monitor your activity on our website. We and our third-party partners may use these technologies to measure responses to e-mails and page views on the Globe Properties and on our third-party partners’ websites. You can opt out of some of our third-party partners’ use of cookies and other technologies, such as Microsoft, at https://optout.aboutads.info. You can also visit to opt out of Google Analytics. You can also opt out of some of our third-party partners’ use of cookies and other technologies using the Global Privacy Control on your device. Please visit to learn more. We do not control these third-party partners’ technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the third-party partner directly.
Tracking Options and California Do Not Track Disclosures:
Certain parts of the Globe Properties require “cookie” technologies (e.g., pixel tags), and we may use them to deliver more relevant advertising and to link data collected across other devices you use. You can adjust your settings to limit tracking (e.g., cookies or pixel tags), but as a result, you may not be able to use certain features of the Globe Properties or take full advantage of all of our offerings. Please refer to your device or browser settings for more information on how to delete or decline cookies and control your tracking preferences. The Globe Properties do not respond to "do not track" signals from most browsers. Please also see Choices and Access below for more information on how to manage your privacy preferences.
We use your information to:
- Provide you with the Content and any features, information, products, or services that we make available through the Globe Properties
- Respond to your inquiries and communicate with you regarding the insurance products that you inquired about or purchased (e.g., emails, fulfillment mailings, newsletters);
- Help underwrite and provide accurate insurance premium rate quotes;
- Provide insurers with the required information for applications;
- Connect you with third-party partners who will provide information about products and services;
- Market to you and keep you informed of our products and services and/or those of our third-party partners, which we think may be of interest to you;
- Provide, maintain, and improve customer service;
- Tailor your experience with services that correspond with your interests;
- Develop new products and enhance and improve our Globe Properties; or
- Allow you to send messages to a friend through the Globe Properties.
In addition, we may aggregate your information with that of our other users and use that information for benchmarking and analysis purposes.
We have a lawful basis for collecting and processing your information if (a) you have consented to such processing; (b) we have a legitimate interest for processing your data, like analytics, fraud prevention, improving the Globe Properties and our business, and direct marketing; or (c) we are legally required to process it. Please also see Choices and Access below for more information on how to manage your privacy preferences.
We may share your information as follows:
- with our affiliated businesses;
- with third-party partners who will provide you with information about their products and services;
- with our third-party service providers who provide services like payment processing, IT, and data analysis and who are under a contractual obligation to apply at least the same level of protection to your information as the Globe Life Inc. companies apply;
- with consumer reporting agencies;
- if you seek insurance quotes, with other insurance or financial services providers who offer competitive rates;
- to fulfill the purpose for which you provide it;
- for any other purpose disclosed by us when you provide the information;
- if you choose to send a message through the Globe Properties or contribute to public areas of the Globe Properties (e.g., message boards, blogs); and
- with a third party in the event of a sale or transfer of all or part of our business (including in connection with any bankruptcy proceeding).
These service providers may be located in the United States and Canada. We may share your information with these service providers, but only as necessary for them to perform their functions and to the extent permitted by law. Use of your information by these service providers is governed by their own privacy policies and procedures and not by this Privacy Policy.
We may also access and disclose your information for the following purposes:
- to comply with or respond to applicable laws, including those outside your country of residence, to respond to lawful requests from public and governmental authorities, and to meet national security or law enforcement requirements;
- to enforce our Terms of Use and this Privacy Policy;
- to protect our business; or
- to protect our rights, privacy, safety, or property and/or that of others;
As we develop our businesses, we might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, sale of assets, dissolution, or similar event, some or all of the information may be part of the transferred assets.
We may process and store your personal information outside of your province, state or country of residence, including in the United States and Canada. Where personal information is located outside your jurisdiction of residence, it is subject to the laws of that jurisdiction which may differ from those in your jurisdiction and any personal information transferred to another jurisdiction will be subject to law enforcement, local courts, and national security authorities in that jurisdiction.
Please also see Choices and Access below for more information on how to manage your privacy preferences.
Other Websites
The Globe Properties may contain links to third-party owned and/or operated websites. We are not responsible for the privacy practices or content of such third-party websites. These third-party websites have separate privacy practices; we have no responsibility or liability relating to such practices; and such practices govern your use of these websites.
Our Commitment to Your Privacy
Globe Life Inc. companies are committed to ensuring that our practices regarding the privacy of the personal information we collect from you align with industry norms, adhere to contractual obligations, and comply with all applicable laws. Globe Life’s Privacy Office is committed to continual improvement and the effectiveness of privacy safeguards that our Globe Life employees need to adhere to through various mechanisms. These mechanisms include maintaining and assessing our privacy policies, routine evaluations, reporting standards, due diligence standards, training programs, and other methodologies.
We follow industry standards to protect your personal information from loss, misuse, unauthorized access or disclosure, alteration, or destruction. These standards include reasonable administrative, physical, and technical safeguards, such as encrypting sensitive information. Understand, however, that no security system is impenetrable. We cannot guarantee the security of our databases, and please understand that email or other communications over the Internet, as well as SMS or text messages, are not secure and may be intercepted while being transmitted to and from us over the Internet, by WiFi, or other means. We strongly recommend that e-mail messages do not contain personal or confidential information, particularly highly identifiable, sensitive information such as your Social Security number and driver’s license information.
This website is not intended for minors under the age of 18. We do not knowingly collect personal information from anyone under the age of 18. In the event we learn that we have collected personal information from a child under age 18 without verification of parental consent, we will delete that information. If you have any questions or concerns about the collection of the personal information of children, please contact us online or at the address below.
Marketing Emails
To stop receiving marketing e-mails from us, please click here and follow the instructions to unsubscribe. We will honor a request to unsubscribe from marketing emails from us within 10 business days. Even if you unsubscribe, we may still send you transactional or relationship content (i.e., non-marketing) messages. To unsubscribe from a third party’s communications, contact that third party directly or follow the instructions to unsubscribe in the applicable marketing e-mail.
Certain Sharing with Third Parties
To opt out of our sharing of your personal information with third parties for their own marketing purposes, where feasible to do so, contact us at Data Request with your name, address, and phone number and request that we suppress your personal information going forward. The e-mail address you use to send the e-mail must match the e-mail address in our records. Please note that we may not be able to honor your request as to certain personal information. Please also note that we will not be able to remove your personal information from the third parties’ databases, and you will need to contact them directly and/or use any available opt-out mechanisms that they may have.
Access, Correction, and Deletion
To submit a verifiable privacy request to access what personal information we may have, or to request deletion, or correction, you may contact us at Data Request. For existing policyholders, you may be asked to verify your identity through the existing authentication procedures, and we may re-authenticate you to verify your identity. For non-policyholders, we will verify a consumer’s identity by matching at least two or three consumer-provided data points with data points that we maintain, depending on the sensitivity of the information involved. The exact scope of these rights varies by jurisdiction. There are also several exceptions where we may not have an obligation to fulfill your request. To appeal a decision regarding a verifiable privacy request, where permitted by applicable state law, email us at PrivacyTeam@Globe.Life within 30 business days after receiving any adverse decision from us.
Consent
You may withdraw your consent at any time, except in limited circumstances, including legal or regulatory requirements or as a result of your contractual obligations with us,where feasible to do so, by contacting us at Data Request. If you choose not to provide us with certain personal information or if you withdraw your consent, where such withdrawal is available, we may not be able to offer you the products or services that you requested or that could be offered to you.
Cookies and Other Technologies
For more information about your rights and choices in connection with our use of cookies, please visit our Cookie Policy.
Retention Period
Unless otherwise stated, we intend to retain your personal information for as long as reasonably necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. We may retain your personal information for a longer period in order to resolve dispute, enforce agreements, and for other legitimate and lawful purposes.
When your personal information is no longer necessary to fulfil the purposes we collected it for, or any other legal purpose, we will securely delete, destroy, or deidentify your personal information.
Operation of Our Site, Mobile App, Content, and Business
Our Globe Properties, and our business are operated in the United States and are intended for United States and Canadian residents. The Globe Properties are not intended for or to be used by anyone who resides outside of the United States and Canada.
Your California Privacy Rights
» Click here to read Your California Privacy Rights
If you are a California resident, this section applies to you in addition to the rest of the privacy policy. California law requires disclosure of the following information with respect to our privacy practices.
Under California Civil Code Section 1798.83, California consumers who have business relationships with us may choose to opt out of the sharing of their personal information with third parties for direct marketing purposes. If you are a California consumer and (1) you wish to opt out of sharing; or (2) you wish to request certain information regarding our disclosure of your personal information to third parties for the direct marketing purposes, please contact us online or at our toll-free number at 844-593-8916.
Alternatively, you may send a written request to the following address:
Globe Life Companies
ATTN: PRIVACY OFFICE
P.O. Box 8080
McKinney, TX 75070
Information for California Consumers (California Consumer Privacy Act)
Collection, Use, and Disclosure of Information
California provides certain privacy rights to California residents with respect to the collection of personal information. We collect and retain the following categories of personal information, which is necessary information for us to comply with regulations governing the insurance industry and the issuance of insurance policies.
Categories of Personal Information We Collect
Please see the "Information Collected" section above for more information.
Sources of the Personal Information Collected
Please see the "Information Collected" section above for more information.
Business Purposes for Which We Collect Personal Information
Please see the "Information Collected" section above for more information.
Business Purposes for Which We Use Personal Information
Please see the "Information Use" section above for more information.
Types of Third Parties with whom we have shared Personal Information
Please see the "Information Sharing" section above for more information.
Types of Personal Information We Sell
We do not sell the Personal Information of California consumers.
Personal Information of Consumers under 16 years of age
We do not sell or share the Personal Information of minors under 16 years of age.
Your Rights to Know About Personal Information Collected, Used, and Disclosed, and to Request Access, Correction, and Deletion
If you are a California consumer, upon our receipt of a verifiable request from you, you can obtain access to the personal information about you that we have collected, used, or disclosed. You may also request deletion, correction, or access to a portable copy of your personal information that is collected and maintained by us, as provided by law.
To submit a verifiable consumer request to know what personal information we may have collected, used, or disclosed, or to request deletion, correction, or access to a portable copy of your personal information, you may call our toll-free number at 844-593-8916 or use our online request form at Data Request.
We will verify a consumer’s identity by matching at least two or three consumer-provided data points with data points that we maintain, depending on the sensitivity of the information involved.
There are several exceptions where we may not have an obligation to fulfill your request. To appeal a decision regarding a verifiable privacy request, email us at PrivacyTeam@Globe.Life within 30 business days after receiving any adverse decision from us.
Your Right to Opt-Out of Cross-Context Behavioral Advertising
California consumers may choose to opt out of the “sharing” of their personal information with third parties for cross-context behavioral advertising. Certain parts of the Globe Properties require “cookie” technologies (e.g., pixel tags), and we may use them to deliver more relevant advertising and to link data collected across other devices you use. You can adjust your settings to limit tracking or decline cookies or pixel tags, but as a result, you may not be able to use certain features of the Globe Properties or take full advantage of all of our offerings. Please refer to your device or browser settings for more information on how to delete or decline cookies and control your tracking preferences. The Globe Properties does not respond to do not track signals from most browsers. You can opt out of some of our third-party partners’ use of cookies and other technologies using the Global Privacy Control on your device. Please visit https://globalprivacycontrol.org to learn more.
Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights
You have a right not to receive discriminatory treatment from us for the exercise of any of your privacy rights.
Authorized Agent
As a California consumer, you can designate an authorized agent to make a request under the CCPA on your behalf by your signed authorization. To do so, please write to us at the address provided below, providing your full name and address, the name and address of your authorized agent, the agent’s contact information, specifying your relationship with the authorized agent, the purpose for which you are designating the authorized agent, and provide your signed authorization. You may revoke the authority of that agent at any time by contacting us in writing at the address below.
Consumers with Disabilities
Any consumers with a disability may contact us or have an authorized agent contact us by calling our customer service department at 844-593-8916 or by visiting our website contact below.
Contact for More Information
For questions or concerns about our privacy policies and practices, or wish to request our policy in an alternative format please contact us online or call our toll-free number at 844-593-8916.
Alternatively, you may send a written request to the following address:
Globe Life Companies
ATTN: PRIVACY OFFICE
P.O. Box 8080
McKinney, TX 75070
Your Canada Privacy Rights
» Click here to read Your Canada Privacy Rights
If you are a Canadian resident, you may be entitled to access your personal information and request the rectification of information that is inaccurate, incomplete or no longer up to date, subject to limited exceptions set out in applicable laws.
Depending on the province or territory in which you reside and subject to legal or contractual restrictions, you may also be entitled to obtain additional information about data processing, including the personal information collected and how it is processed by us.
To submit a request, you may contact us online or at our toll-free number at 844-593-8916. You may also send a written request to review or change your personal information to:
Globe Life Companies
ATTN: PRIVACY OFFICE
P.O. Box 8080
McKinney, TX 75070
If the Privacy Office is unable to address your concern to your satisfaction, you may bring the matter to the attention of the appropriate privacy commissioner. Some of our activities are subject to the jurisdiction of the Office of the Privacy Commissioner of Canada; other activities are subject to the jurisdiction of the privacy commissioner of your province or territory of residence.
Changes to This Privacy Policy
We may amend this Privacy Policy from time to time. When we do, we will post an updated version of the Privacy Policy and revise the “LAST UPDATED” date at the top. We may email or otherwise communicate reminders about this policy, but using the Globe Properties after any changes are made means you accept those changes and the revised Privacy Policy.
Disputes and Arbitration Agreement
As stated above, you agree that any dispute or claim relating to this Privacy Policy, the Terms of Use the use of the Site and other websites operated by Globe Life and its affiliates, or the products of Globe Life or its affiliates (“Dispute”) shall be subject to the “Disputes and Arbitration Agreement” set forth in the Terms of Use.
You may contact us online or at the address below with questions about this Privacy Policy or our privacy practices.
Globe Life Companies
ATTN: PRIVACY OFFICE
P.O. Box 8080
McKinney, TX 75070