Online Privacy Policies

Pan-American Life has always been committed to maintaining the confidentiality, integrity and security of personal information entrusted to us by current and prospective customers. Our privacy policies include guidelines and procedures relating to Pan-American Life’s use and disclosure of information about our customers and individuals who visit our website. 

For information regarding our Internet Privacy Policy, Social Security Number Privacy Protection Policy, Consumer Privacy Policy, or Notice of Privacy Practices for Personal Health Information, please click on the appropriate option:

►      Internet Privacy Policy

►      Social Security Number Privacy Protection Policy

►      Consumer Privacy Policy

►      Notice of Privacy Practices for Personal Health Information

If you have any questions or concerns about Pan-American Life privacy practice, please contact us at:

These policies are provided on behalf of the following Pan-American Life Insurance Group member companies and their subsidiaries:

• Pan-American Life Insurance Company
• Pan-American Assurance Company
• Pan-American Life Insurance Company of Puerto Rico, S.A
• Pan-American Assurance Company International, Inc. (Florida Branch).

This privacy statement was last revised on July 26, 2011. We reserve the right to change this statement at any time to comply with applicable laws or to reflect our updated business practices.  If we change it, we will post the current privacy statement on this page. Any changes to this statement will be effective as of the day they are posted.

By using our site, you consent to our Privacy Policy.

Esta información está disponible en español y portugues.

►      Internet Privacy Policy

Site Visitorship Data Collected on this Site

Pan-American Life uses visitorship data to improve the content and services offered to its site visitors. Pan-American Life reports site visitorship data on an anonymous basis. This data may include:

• The number of people who visit our web site
• The pages they visit
• The domain name of the site visitors are connecting from (e.g. yahoo.com)

Security

Pan-American Life works hard to make sure that our systems are secure. Where appropriate, we use firewalls, encryption, intrusion detection and vulnerability assessment technology, as well as passwords, personal identification numbers and access control to systems and data.

How can you correct or update personal information? Pan-American Life business hours are from 9:00 am to 5:00 pm CST, Monday through Friday. You can contact us through our Customer Relationship Management Center (CRMC) at 1-877-939-4550 or email us at CRMC@panamericanlife.com to correct or update personal information.

►      Social Security Number Privacy Protection Policy

Pan-American Life Insurance Group (Pan-American Life)* through its member companies is committed to maintaining the privacy and confidentiality of any personal information, including Social Security Numbers (“SSN”), that we collected during the regular course of our business. We restrict access to personal information collected, including SSNs only to our employees and certain third parties who are authorized to access this information. We prohibit the disclosure and use of SSNs unless such disclosure and use complies with this policy and with Federal, state and local law.  We take reasonable steps so that all documents and files (both electronic and in hard copy) that contain SSNs be stored in a physically secured manner.

*This Social Security Number Privacy Protection Policy is provided on behalf of the following Pan-American Life Insurance Group member companies and their subsidiaries: Pan-American Life Insurance Company, Pan-American Assurance Company, Pan-American Assurance Company International, Inc. (Florida Branch); Pan-American Life Insurance Company of Puerto Rico, S.A.

►      Consumer Privacy Policy

NOTICE CONCERNING YOUR RIGHTS OF PRIVACY AS A CONSUMER

This Privacy Notice is provided on behalf of the following companies of the Pan-American Life Insurance Group: 

Pan-American Life Insurance Company

Pan-American Assurance Company

Pan-American Life Insurance Company of Puerto Rico

The words “we” or “us” or “our” within this Privacy Notice refers to the corresponding company that provides you with coverage.

Your privacy is very important to us.  To better protect your privacy we provide this notice to explain our outline information practices and the choices you can make about the way your information is collected and used.

We may collect nonpublic personal information about you from the following sources:

Ø  Information we receive directly from you in applications or other forms, such as your name, address, Social Security number; and your financial, health, and employment history;

Ø  Information about your transactions with us, our affiliates or others;

Ø  Information we receive from a consumer reporting agency; and

Ø  Information we obtain through Internet technology.

It is important for us to collect and use this information to properly provide, administer, and perform services on your behalf.

We do not disclose any non-public information about our customers or former customers to anyone, except as permitted by law.  Generally, we do not disclose nonpublic personal information to nonaffiliated third parties, except as necessary to provide quality insurance services.  Accordingly, we will not sell your name, address or telephone number to telemarketers, or to direct mail solicitors, or to any other person.

In the ordinary course of our business, we may make disclosures to reinsurers, administrators, service providers, auditors, consultants and other persons in order to underwrite and administer your policy.  Also, we may disclose information to your insurance agent for the purpose of administering our business and providing services to you.

We may also provide information to an insurance institution or credit reporting agency in order to detect or prevent fraud in connection with insurance transactions. We may provide information to law enforcement authorities in order to protect our interest in preventing or prosecuting fraud.  Similarly, we may provide information to investigators or attorneys who need information to investigate or defend or settle a claim.   Also, we may provide information in response to judicial process or government regulatory authorities, or for other purposes as authorized by law.

We restrict access to your non-public personal information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your non-public personal information. 

We may change these policies, standards, and procedures at any time. If there are material changes, we will notify you of the changes.

If you have any questions concerning your rights of privacy, please contact us at:

►      Notice of Privacy Practices for Personal Health Information

            THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION.  PLEASE READ IT CAREFULLY. 

            As your insurer, Pan-American Life Insurance Company (“Pan-American”) may collect certain health information from you, either from your insurance application for coverage or from yourself or your provider for reimbursement of medical expenses, and for other purposes that are permitted or required by law. 

USES AND DISCLOSURES OF YOUR MEDICAL INFORMATION

Pan-American is permitted or required by law to use or disclose your medical information without your consent or authorization for the following purposes: 

Treatment. For example, Pan-American may use and disclose your health information to a physician or other health care provider providing treatment to you.

Payment. For example, Pan-American may use and disclose your health information to process or pay  claims, or to collect payment from third parties, such as other health plans or providers, for the care you receive. Pan-American may also disclose  information regarding your coverage or your medical information to other health plans to coordinate payment of benefits.

Health Care Operations. For example, Pan-American may use and disclose your health information for its own health care operations. These purposes include (i) to conduct quality assessment and improvement activities, (ii) for underwriting, premium rating or related functions to create, renew or replace health insurance or health benefits, (iii) review and auditing, including compliance reviews, medical reviews, legal services and compliance programs, (iv) business planning and development including cost management and planning related analyses and formulary development, (v) business management and general administrative activities of Pan-American administered health plans, including customer service and resolution of internal grievances.

Health Related Services.  For example, Pan-American may use and disclose your health information to contact you about health related products and services that may be of interest to you.

Business Associates.  For example, Pan-American may use and disclose your health information to business associates to assist Pan-American with its payment or health care operations.  In all cases, Pan-American requires these business associates to appropriately safeguard the privacy of your information.

Plan Sponsor. For example, Pan-American may under certain conditions use and disclose your health information to a plan sponsor for statistical, renewal or quotation purposes.  However, your plan sponsor is not permitted to use such information for employment purposes. 

Other Uses and Disclosures. Pan-American may use or disclose your health information as authorized by law as follows:

• for any purposes as required by law;
• for public health activities, such as required reporting of certain diseases
• as required by law if we believe you to be a victim of abuse, neglect, or domestic violence;
• to health oversight agencies;
• in response to court and administrative orders and other lawful processes;
• to law enforcement officials as required by law;
• to coroners and/or funeral directors consistent with law;
• if necessary to arrange an organ of tissue donation from you or a transplant for you;
• to avert a serious threat to health or safety;
• to the military and to federal officials for lawful intelligence, counterintelligence, and national security activities;
• to correctional institutions regarding inmates; and
• as authorized by and to the extent necessary to comply with state worker’s compensation laws.

Pan-American will adhere to all state and federal laws or regulations that provide additional privacy protection.

YOUR PRIVACY RIGHTS

            Confidential Communication. Pan-American will not release any of your personal medical information to anyone other than as permitted by law without your prior written consent.  After we obtain your written consent to share this information, you have the right to withdraw your consent for release of this information at any time by sending written notice to:  Privacy Officer, Pan-American Life Insurance Company,  601 Poydras Street, Room 2600, New Orleans, LA  70130.

            Restrictions. You have the right to request restrictions on certain uses and disclosures of your protected health information; however, Pan-American is not required to comply with such requests.  We will make every effort to do so; however, to request restriction, you must send a written request to:  Privacy Officer, Pan-American Life Insurance Company, 601 Poydras Street, Room 2600, New Orleans, LA  70130.

            Receiving Confidential Communication. You have the right to request that Pan-American communicates with you in a certain way if you feel the disclosure of your health information could endanger you. For example, you may ask that Pan-American only communicate with you at a certain telephone number or by email. If you wish to receive confidential communications, please send your request in writing to Privacy Officer, Pan-American Life Insurance Company, 601 Poydras Street, New Orleans, LA  70130. Pan-American will attempt to honor your reasonable requests for confidential communications.

            Access. You have the right to inspect your file in our office and to make copies of your file. A request to inspect and copy records containing your health information must be made in writing to Privacy Officer, Pan-American Life Insurance Company, 601 Poydras Street, New Orleans, LA  70130. 

            Amendment. If you believe that your health information records are inaccurate or incomplete, you may request that Pan-American amend the records. That request may be made as long as the information is maintained by Pan-American. A request for an amendment of records must be made in writing to Privacy Officer, Pan-American Life Insurance Company, 601 Poydras Street, New Orleans, LA  70130. Pan-American may deny the request if it does not include a reason to support the amendment. The request also may be denied if your health information records were not created by Pan-American, if the health information you are requesting to amend is not part of Pan-American’s records, if the health information you wish to amend falls within an exception to the health information you are permitted to inspect and copy, or if Pan-American determines the records containing your health information are accurate and complete.

            Disclosures.  You may request details regarding any disclosures of your medical information while it has been in our possession.  You must submit your request in writing to: Privacy Officer, Pan-American Life Insurance Company, 601 Poydras Street, Room 2600, New Orleans, LA  70130.

            Changes to this Notice. Pan-American Life Insurance Company is required by law to maintain the privacy of your personal health information and to provide you with this notice advising you of our legal duties and privacy practices with respect to this information. Pan-American is also required to abide by the terms of this notice and to advise you if there are any changes in our privacy practice that will affect the protection of your health information in the future. If you elect to receive any or all of the above information electronically, you will always have the right to request paper copies of the information as well. 

            Complaints. If you have any complaints about the violation of your private medical information, please send a detailed description of your complaint to: Privacy Officer, Pan-American Life Insurance Company, 601 Poydras Street, Room 2600, New Orleans, LA  70130. If you do file a complaint, Pan-American will attempt to resolve the complaint to your satisfaction.  No retaliatory action will be taken for the filing of such a complaint. 

            Effective Date. This notice was effective April 14, 2003 and revisions to this notice are effective August 1, 2008, and will remain in effect until you are notified otherwise. 

            Contact Information. If you have any questions about Pan-American privacy practice, or if you wish to file a complaint, please contact us at:

Pan-American Life Insurance Company

Attn: Privacy Officer

601 Poydras Street, Room 2600

New Orleans, LA  70130

Telephone:  1-877-939-4550