Privacy Policy

Important Information About Your Privacy

Dear Valued Customer:
We thank you for your trust and confidence.  We are committed to providing you, our customer, with competitive life insurance and annuity products and services to help you meet your changing needs.  We are equally committed to protecting the private and personal information we collect and maintain about you.  This notice describes our current privacy policy and practices relating to your nonpublic personal information.  We will provide this notice to you at least once a year as required by law.  You do not need to contact us to benefit from our privacy protections.

Do You Need To Do Anything?

You do NOT need to take any action in response to this Privacy Notice.  Because we do not share your private or nonpublic personal information with anyone other than as described below, you do not need to “opt-out” or “opt-in”.  If, however, after reading this notice, you have questions, please feel free to contact us. 

Our Privacy Principles:

  • We do not sell or rent your personal information.
  • We do not share your personal information with companies who want to market their products or services to you.
  • We do not allow those who do business on our behalf to use our customer information for their own marketing purposes.
  • We require any business providing products or services on our behalf to protect customer information.
  • We do not share customer medical information unless you expressly authorize it, it is permitted or required by law, or your application, policy or contract with us permits.
  • All customers (former, existing, and potential) receive the same protections.

Information We May Collect And Use

In order to provide our life insurance and annuity products and services to you, we gather private and nonpublic personal information about you.  Private and nonpublic personal information is the information about you that cannot be obtained from public sources such as telephone directories or government records.  We seek to collect and use only information that is necessary to conduct our business, advise you of our products and services, provide you with customer service, and confirm your identity.

We may gather nonpublic information about you through sources such as:

  • Applications, forms, and medical exams and tests that you complete;
  • Policies / Certificates / Contracts for products that you have with us;
  • Written, electronic, telephone, and other communications from you or your agent or AAA Club;
  • Your transactions or experiences with us, such as payment, underwriting, and claim information.

With your written authorization, we may also collect and use data from:

  • Medical or other health care providers
  • Consumer reporting agencies in compliance with the federal Fair Credit Reporting Act
  • Your employer, business associates or advisors, or other companies with whom you do business

For Those Visiting AAALife.com

We want to make you aware of how we use “cookies” when you visit our company websites. “Cookies” are files we place in your computer’s browser to store your usage of our websites. “Cookies” help us to understand your usage of our website, so we can continually improve its usability. Our “cookies” are only used when you are visiting our websites. By themselves, “cookies” do not tell us your e-mail address or other personally identifiable information. Only you can provide that information on our websites – if you so choose.

How We Use Information About You

We use your personal information to:

  • Process your application and underwrite, rate, and/or issue a policy/certificate/contract to you
  • Process your claims
  • Provide customer service
  • Offer additional products that may suit your needs.

Confidentiality Of Medical Information

You may have a special concern about the privacy and protection of your medical information.  We only use and share personally identifiable medical information for the following purposes:

  • To underwrite insurance and make eligibility, risk rating, and policy/certificate issuance determinations
  • To administer your policy / certificate or claim
  • For other purposes as required or permitted by law, such as in response to legal process.

Information We May Disclose

We do not disclose nonpublic personal information about you to anyone except as required or permitted by applicable law.  We do not sell, or otherwise distribute for sale, customer lists or any nonpublic personal information about our customers.  However, in order to provide you with quality service, sometimes it is necessary for us to share your personal information with others. 

We may share your personal information with:

  • Your AAA Club, insurance agent, or broker who is authorized to represent us in order to better serve you and help meet your product and service needs;
  • Companies or individuals performing services on our behalf such as marketing, printing, and mailing vendors
  • Medical Information Bureau, consumer reporting agencies, or other entities as needed to handle claims and protect against fraud
  • Regulatory authorities, law enforcement, or other government agencies as required by law or in response to a valid subpoena.

We do not allow those doing business on our behalf to use our customer information for their own marketing purposes.  We require all third parties providing services to us to keep confidential and protect all customer information and to use such information only for the services we have authorized.

Customer Records

Maintaining complete and accurate customer information is important to us.  Generally, you have the right to review, copy, and correct your personal information.  We will not make available to you any information collected in connection with or in anticipation of a claim or lawsuit in which you are involved.  We may charge you for copies of your records.  If you believe that any of our records are incorrect, you may notify us in writing of any corrections.  We will correct your information within 30 days or provide you with the reasons the change is not made and inform you of your right to file a statement about the corrections.  Your statement will be kept on file and provided to anyone reviewing your records.  Any corrections will be sent to those parties who may have received information from us within the past two years or to support organizations that have received such information during the past seven years.  If you believe that our records contain incorrect information, or would like more information on how to view or correct your information, please contact our office.

Protecting Customer Information

We have implemented high standards to safeguard your personal information and maintain strict control over access to such information.  These standards meet or exceed the federal and state law requirements.  In order to ensure the safety and confidentiality of your nonpublic personal information, we continually:

  • Maintain and monitor physical, electronic, and procedural safeguards
  • Review our policies and practices
  • Monitor our computer networks
  • Test the strength of our security
  • Restrict employee access to those who need the information to perform their assigned duties and provide products and services to you
  • Perform a full and thorough employee background screening to include criminal background and drug screening processes.

This notice applies to AAA Life Insurance Company, Auto Club Life Insurance Company, and their agents.  If you have a relationship with AAA or affiliated AAA companies, you may receive additional privacy notices from them.

Thank you for choosing us.  We value you as a customer and appreciate the opportunity to serve you.

AAA Life Insurance Company
17250 Newburgh Road
Livonia, MI 48152
1-888-349-7309