Information We Collect

For the purpose of providing insurance products, we collect information that identifies, relates to, is capable of being associated with, or could reasonably be linked, directly or indirectly, with you (“personal information”). In particular, we collect and have collected the following information within the past twelve months:

• Identifiers. This includes names, aliases, postal addresses, unique personal identifiers, online identifiers, Internet Protocol addresses, email addresses, account names and numbers (including bank account numbers, credit card numbers, and debit card numbers), social security numbers, driver’s license numbers, and passport numbers. This information will be used to potentially issue an insurance policy to you and to service such a policy.
• Individual information. This includes physical and personal characteristics and descriptions, telephone numbers, medical information, health history and status, financial information, age, citizenship, marital status, medical condition, physical or mental disability, character, general reputation, mode of living, sex (including gender, pregnancy or childbirth and related medical conditions), creditworthiness, and credit history. This information will be used to potentially issue an insurance policy to you and to service such a policy.
• Information about your transactions with us.This includes policy coverage, premium, your balance(s), and payment history. This information will be used to service any policy that may be issued to you.

Note: Personal Information does not include:

• Publicly available information from government records.
• De-identified or aggregated consumer information.
• Information excluded from the CCPA’s scope, like:
• health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
• personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.

How Personal Information is Collected

1. Directly From You. When you contact Americo, or our Affiliates, or inquire about our products and services, we may collect or receive your name, email address, phone number, and date of birth, so that we may respond to your inquiry.When you make a claim, update your bank information, surrender your policy, withdraw from your claim, update your address, update your beneficiary, or otherwise seek service of your policy, we may collect Personal Information about you and information related to your request. This information may be collected through forms, telephone, emails, and social media, and may include your name, address, policy number, bank information, address, and beneficiary information. We use the collected information to process and respond to your request.
2. From Agents and Registered Representatives. When you inquire with an insurance agent or registered representative about our products or services or apply for our products or services through them, we may receive Personal Information from them such as your name, address, email address, and phone number.Agents and brokers may also provide us with certain biographical information about you, including your social security number and health-related information (such as age, weight, smoking habits, etc.) about you and your family members in the application process.
3. Personal Information from Non-Affiliated Entities. When you apply for products and services from a non-affiliate insurer whose policies we administer, we may receive Personal Information such as your name, address, email address, and phone number. We may receive certain biographical information about you. We may also receive health-related information (such as age, weight, smoking habits, etc.) about you and your family members.We may also receive Personal Information from other non-affiliated third parties who supply us with information after you have executed a specific authorization. For example, you may authorize Americo, or an insurer in which Americo administers business, to share or obtain Personal Information with or from MIB, Inc., which operates an information exchange for insurers used to assist in the underwriting process. Additionally, you may authorize us to obtain information through a credit or background check, or to obtain medical information from a healthcare provider or medical records company.
4. Information from Visitors to our Site.When you visit our Site, we may collect non-Personal Information such as your IP address, device ID, browser setting, operating system, referring domain, language preferences, mobile carrier (if using a mobile device), action tags, and site activity. We do not use this information on its own to trace or identify person. It is collected even if you cancel or do not complete a purchase, registration, or order. We share this non-Personal Information with our third-party vendors to help operate our Site and improve your experience with it. We also work with several third parties who offer analytics or deliver targeted ads online or through our apps. You can opt out of receiving targeted ads but it will not make your browsing ad-free.
5. Information from Cookies and Similar Technologies We also collect information from Site visitors using “cookies.” Cookies are small text files stored on your device by our Site. They carry navigational information from your Site visits. We use cookies to transact with you, personalize your experience, analyze usage patterns, and otherwise improve our Site, products and services. Our cookies generally fall into one of four categories: Essential, Functional, Analytics and Target. Essential Cookies are necessary to provide you with products and services available through our Site. If you refuse them, it will impact your ability to access some of the Site’s functions and features. Performance cookies help us enhance the performance and functionality of our Site, products, and services, but are not necessary for your use. Certain functions or features may become unavailable if you refuse them. Analytics cookies collect information that is used to help us understand the use of our Site, products, services, effectiveness of marketing campaigns, or to help us customize our Site to enhance your experience. Target cookies record your visit to our Site, the pages you have visited, and the links you have followed. We use this so we can recognize you as a prior visitor and track your activity on our Site and others you visit. These cookies remain on your device for us to use during subsequent visits to our Site. Some cookies are “persistent”, and some cookies are deleted when your browsing session has ended. We also allow third parties to use cookies on our Site to collect information about your online activities over time and across different websites you visit. This information is used to provide advertising tailored to your interests on websites you visit, also known as interest-based advertising, and to analyze the effectiveness of such advertising. To learn more about the use of cookies by Google for analytics and to exercise choice regarding those cookies, please visit the Google Analytics Opt-out Browser Add-on or the Digital Advertising Alliance. There are “do not track” or similar browser choices available to internet users with respect to online web activity. However, given the present lack of consensus of what constitutes an informed election, appropriate trigger, or breadth of scope of such choice, our Site will not operate any differently when a “do not track” signal is received or one of these browsers is used.

Use of Your Personal Information
We use your Personal Information for our legitimate business interests, to communicate with you, to provide you with the products and services you seek, and as otherwise described in this Privacy Policy.

We may use your Personal Information to personalize offers or pricing for you, to compile, analyze, and better understand the needs, demographics and behavior of our customers, and to detect, investigate, and prevent activities that may be illegal or violate our policies.

We may use your Personal Information to communicate with you about products and services we believe might be of interest and to administer promotions, surveys in which you might participate.

Our employees and agents and personal representatives may use your Personal Information to perform their jobs and service your needs and our operations. We authorize their access to your Personal Information on a need-to-know basis, with an obligation to protect the privacy of your Personal Information.

Categories of Information Disclosed
Your personal information, as well as other privileged information subsequently collected by Americo may in certain circumstances be disclosed to third parties without your authorization.

We share your Personal Information with our Affiliated Companies and non-affiliated insurers for whom we administer policies to (1) underwrite your application for coverage, and make eligibility, risk rating, policy issuance, and enrollment determinations; (2) obtain reinsurance; (3) administer claims and determine or fulfill our responsibility for coverage and the provision for benefits; (4) administer coverage; and (5) in furtherance of our legitimate business interest in identifying and marketing our, or our affiliates’, products and services that may be of interest to you.

We also share your Personal Information with non-affiliated entities who assist us in the marketing and operation of our business, and in communicating with you.

We may disclose your Personal Information if we determine that disclosure is reasonably necessary to comply with the terms of our business relationship, our Privacy Policy or to otherwise protect our operations, or customers.

We may release your Personal Information to others, including law enforcement, if we believe such release is reasonably necessary to comply with the law or legal process; enforce or apply the terms of applicable terms of use; detect, prevent, or otherwise address fraud, security or technical issues; or otherwise protect the rights, property or safety of others.

Other than the following scenario, Americo does not sell your Personal information: We may sell, transfer and/or disclose your Personal Information as part of a business divestiture, sale, merger, or acquisition of all or a part of our business. If another company acquires our company, business, or assets, that company will possess the Personal Information collected by us and will assume the rights and obligations regarding your Personal Information as described in this Privacy Policy. In the event of an insolvency, bankruptcy, or receivership, your Personal Information may also be transferred as a business asset.

In addition, we may share aggregate, non-individual information with third parties for lawful purposes.

Your Rights

1. Your Right to Receive a Copy of the Notice of Privacy Practices
   Current Americo Consumers have a right to receive a copy of Americo’s Notice of Privacy Practices and can request a copy by calling 1-816-641-2850 or emailing LegalRepository@Americo.com.
2. Your Right to Access, Correct, or Amend the Personal Information
   Subject to certain legal limitations and exceptions, you have the right to request that we disclose certain information about our collection and use of your personal information, including:

• • The categories of personal information collected;The categories of sources of the personal information collected;
  • The purpose of collecting, sharing, or selling your personal information;
  • The categories of personal information disclosed for a business purpose, if any, and the categories of persons to whom the personal information was disclosed;
  • The specific pieces of personal information we collected about you;
  • The categories of personal information we shared for targeted marketing purposes, if any, and the categories of third parties to whom the personal information was disclosed for that purpose; and
  • The categories of personal information we sold, if any, and the categories of third parties to whom the personal information was sold.

Requests can be made by calling, emailing, or mailing your requests to:

Americo Customer Experience Department
PO BOX 410288
Kansas City, MO 64141-0288

Email: LegalRepository@americo.com
Phone: 816.641.2850

For Policyholders of Affiliated and Americo Administered Companies: 800.366.6100

3. Your Right to Request Deletion of Collected Personal Information
   You have the right to request we correct inaccurate personal information that we maintain about you (and direct that our service providers and contractors to do the same). Alternatively, we may delete the inaccurate personal information if doing so does not negatively impact you, or if you consent.You have the right to request that we delete any of your personal information collected from you and retained by us (and direct or service providers, contractors, and third parties to do the same).
   We may deny your deletion request if retaining the personal information is reasonably necessary for us to:

• • Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated by you within the context of our ongoing business relationship with you, or otherwise perform our contract with you;
  • Help ensure security and integrity of your personal information;
  • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities;
  • Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us;
  • Comply with a legal obligation; and
  • Make other internal and lawful uses of the personal information that are compatible with the context in which you provided it.

Requests can be made by calling, emailing, or mailing your requests to:

Americo Customer Experience Department
PO BOX 410288
Kansas City, MO 64141-0288

Email: LegalRepository@americo.com
Phone: 816.641.2850

For Policyholders of Affiliated and Americo Administered Companies: 800.366.6100

4. Response to Request for Access, Correction, or Deletion
   We endeavor to respond to a verifiable consumer request to know, to delete, or to correct thirty (30) days of receipt. We will deliver our written response by mail or electronically, at your option. The response we provide will also explain the reasons we cannot comply, if applicable. If Americo refuses your request to access, correct, amend or delete the personal information, you have the right to file a statement regarding what you believe to be the fair and accurate information and why you disagree with Americo’s refusal.
5. Your Right to Opt-Out of Disclosure of Non-Public Personal Information 
   You have the right to request we opt you out of selling and sharing your personal information. You can submit your request to Opt-Out by calling, emailing, or mailing your request to:

Americo Customer Experience Department
PO BOX 410288
Kansas City, MO 64141-0288

Email: LegalRepository@americo.com
Phone: 816.641.2850

For Policyholders of Affiliated and Americo Administered Companies: 800.366.6100

You can opt-out of receiving our marketing emails by clicking the “unsubscribe” link at the bottom of any such email you receive from us, or by emailing us at LegalRepository@americo.com. If you opt-out from receiving marketing emails or text messages, we may still need to send you communications about your account, orders, customer service inquiries, and other matters.
If you agreed to receive future marketing communications directly from a third party that you have linked to through our website, you will need to contact that party to opt out of such communications. This process may be outlined in that third party’s privacy policy.

6. Non-Discrimination
   We will not discriminate against you for exercising any of your rights listed here.

Confidentiality and Security

We restrict access to personal information about you to those employees and agents who need to know that information to provide products or services to you. We maintain a variety of security measures, including physical, electronic and administrative safeguards. No system can be completely secure, however, so you should not expect, that your Personal Information, searches, or communications will always remain secure.

Links to Other Sites

We are not responsible for, nor do we review or evaluate, the privacy practices or the contents of other websites whose links may appear on our website. When you leave our website to visit a linked site, we encourage you to review the security and privacy policies of the linked site.

Changes to this Privacy Policy

This Policy was last revised on December 1, 2025. We reserve the right to modify this Privacy Policy at any time. Any such changes and clarifications will be distributed to you and will take effect when distributed by Americo.

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