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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 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. You do not need to contact us to benefit from our privacy protections.

Why is it Needed?

In order to provide our life insurance, annuity, and travel accident products to you, we gather private and nonpublic personal information about you. Federal and state law requires us to tell you how we collect, share, and protect your nonpublic personal data. Please read this notice to understand how AAA Life handles this information.

What is Collected?

The type of personal information we collect and share depends on the product you have with us. This information can include:

  • Social Security number,
  • Personal medical information, and
  • Bank account number(s).

How is Your Information Protected?

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, and
  • Perform full and thorough employee background screening to include criminal background and drug screening processes.

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 in this notice, 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 all entities providing products or services on our behalf to protect customer information.
  • We do not share your medical information unless you expressly authorize it, it is permitted or required by law, or your application, policy, or contract with us permits disclosure
  • All customers (former, existing, and potential) receive the same privacy protections.

Information We May Collect and Use:

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, and 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.
  • We may also gather personal information from persons other than the individual or individuals proposed for coverage.

How We Use Information About You:

We use your personal information to:

  • Process your application (including underwriting, rating, and issuance determinations).
  • Process your claim.
  • 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 life insurance and make eligibility, risk rating, and policy/certificate/contract issuance determinations.
  • To administer your policy/certificate/contract 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 underwrite policies, process claims, and protect against fraud
  • Regulatory authorities, law enforcement, or other government agencies as required by law or in response to a valid subpoena.

Information obtained from a report prepared by an insurance support organization may be retained by the insurance support organization and disclosed to other persons. However, 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 or 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 you would like more information on how to view or correct your information, please contact us at 1-800-684-4222.

For Those Visiting AAALife.com:

Our concern for the privacy of your personal information extends to your use of our website. We use technologies such as data encryption and Secure Sockets Layer (SSL) protocol to provide a high level of security and privacy when you utilize our website.

Our website offers customized features that require use of “HTTP cookies” and similar data files – tiny pieces of information that we ask your browser to store. We make very limited use of these data files. We don't use them to pull data from your hard drive, to learn your email address, or to view data in cookies or other similar data files created by other websites. Our “cookies” are used only when you are visiting our websites. By themselves, the “cookies” do not tell us personally-identifiable information about you. Only you can provide that information on our websites – if you so choose. We will not share the information in these data files or give others access to it – except to help us better serve your needs.

When you visit our website, we may collect certain technical and navigational information, such as computer browser type, Internet protocol address, pages visited, and average time spent on our website. This information may be used, for example, to alert you about software compatibility issues or to resolve technical or service problems, or it may be analyzed to improve our site design and functionality, as well as our ability to serve you.

In certain instances, we may use third-party service providers to place advertisements for us on other websites and help us measure the effectiveness of our online advertising. These service providers may use cookies and tracking pixels, tiny invisible graphics that contain unique identifiers, to collect limited Web navigation information, such as the advertisement presented, IP address, operating system and browser type, and pages visited on our site. We do not provide any personally-identifiable information about our users or customers to these service providers, and they do not collect such information for us. These service providers and AAA Life Insurance Company do not collect personally-identifiable information over time and across other websites. AAA Life Insurance Company honors do not track browser settings and do not track requests of visitors of our website.

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
17900 N. Laurel Park Dr.
Livonia, MI 48152-3985
1-800-684-4222