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Privacy

Allstate Benefits and Allstate Health Solutions Online Privacy Statement

This Online Privacy Statement ("Privacy Statement") describes the privacy practices of the following Allstate companies that do business as Allstate Benefits and Allstate Health Solutions: American Heritage Life Insurance Company, National Health Insurance Company, Integon National Insurance Company, and Integon Indemnity Corporation ("AB" and "AHS," "we" "our" or "us"). This Privacy Statement explains the information we collect, why we collect it, how we use and share it, and the choices you can make regarding your information.

Customers of AB and AHS may also receive privacy statements or notices related to those products in the initial policy package and policy documents, which contain additional information and rights relating to your customer relationship. Those privacy statements and this Privacy Statement explain our privacy practices and should be read together.

Information We Collect and How We Collect It

AB and AHS collect personal and other information about you. Personal information is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked (directly or indirectly) with you. Other non-personal information does not and cannot reveal an individual's identity such as information that has been de-identified or aggregated. The information we collect varies based on what products and services you have with us.

We collect personal information about you in several ways from several sources. We collect personal information directly from you including when you enroll for coverage, set up an account with us, use a mobile app, or during the quoting, registering, application, underwriting or claims handling processes. We may collect personal information from you such as IP address, browsing history and other internet activity information when you use one of our websites, mobile apps, view our emails or otherwise engage with us through a computer or mobile device ("Sites"). We also collect personal information about you from third parties such as consumer reporting agencies and health care providers. The information collected may include motor vehicle reports, credit reports, and medical information. Personal information we collect may include the following categories:

Personal Information Categories Examples
Personal Identifiers Name, alias, signature, postal address, phone number, date of birth, unique personal identifier, online identifier, email address, internet protocol (IP) address, state identification card number, account name, Social Security number, driver's license number, passport number, or other similar identifiers.
Personal Characteristics Age, race, ancestry, national origin, citizenship, religion, marital status, medical condition, or diagnosis physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information) and other descriptions of your physical characteristics (e.g., height, weight).
Commercial Information Service or product related information including policy coverage information, premiums, account name, policy number, payment history, claims history, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies, account log-in, bank account number, credit or debit card number, other payment or financial information, health insurance information, credit information, medical history, or family member information.

Internet or Other Electronic Network Activity Information Browsing history, search history, information regarding your interaction with our website, application or advertisement, links you use or web pages you visit while visiting our site or applications, browser type, internet service provider (ISP), cookies, and mobile device information including device identifier or other information.

Use Of Your Personal Information

We use your personal and other information for business purposes including to:

  • Provide and maintain your services and products. We use your personal information to manage the health care treatment you receive, pay for your health services, administer your health plan, or work with your caregivers or estate to ensure proper documents are in order. We may also collect information about other parties from you to carry out necessary services and/or requests, including adding a beneficiary to your existing policy. If you provide us personal information about others, or if others give us your personal information, we will only use the information consistent with the reason for which it was provided.
  • Communicate with you about your service or product. We may contact you to provide you transaction confirmations, payment alerts or other service or product related messages via mail, email, or other available methods.
  • Improve, develop, and analyze our Sites, services, and products. We use your personal information and other information to:
    • analyze, improve, develop, or deliver our Sites, products and services and develop new services, products or features using algorithms, analytics software, and other similar methods,
    • conduct studies to maintain, protect and develop our networks, services, and products and protect our customers, and
    • analyze how visitors use our Sites to improve the Sites and enhance and personalize your experience.

We collect some information used for these purposes using analytics software, cookies, and other tracking technologies. For more information about the collection and use of this information, see Cookies and Other Tracking Technologies below.

  • Provide marketing communications. We may use your personal information to send you promotional communications about products, services, features, and options we believe may interest you. We may send communications via e-mail, regular mail or via a mobile device.
  • Comply with legal requirements and protect the safety and security of our business, services, and Sites. We may use your personal information to comply with laws, regulations, or other legal obligations, to assist in an investigation, to protect and defend our rights and property or the rights of third parties or enforce terms and conditions. We may also use your personal information to prevent suspected fraud, threats to our network or other illegal activities, prevent misuse or for any other reason permitted by law.
  • Update or correct our records. We may receive personal information about you from other sources, including publicly available databases or third parties, and combine that personal information with other personal information we have about you to update our records. For example, we may obtain change of address information from public sources and use that personal information to update or correct your address.

We do not market any products or services to children. Our website is not intended for children.

Sharing Your Information

We do not sell your personal information. We may share your information among AB and AHS entities for business purposes. We may share personal information about you with third parties whenever you consent to or direct such sharing and may also share information with others in an aggregated or de-identified form that does not reasonably identify you. We strive to work with companies that share our commitment to privacy.

We may share personal information with service providers, affiliates and other third parties for business purposes or as required or permitted by law including with:

  • Companies involved in health insurance, health administration and related business transactions: We share your personal information with other companies that play a role in running our organization and facilitating an insurance transaction, claims related companies, and health plan administrators. We may also share your personal information to participate in insurance support organizations. This may include sharing health information with organ procurement organizations, coroners, medical examiners, or funeral directors when an individual dies.
  • Authorized agents or brokers: We operate through agents and brokers who sell our services and products on our behalf. We may share your personal information with those agents or brokers to provide you with the services you've requested. They may use your personal information in the manner described in this Privacy Statement.
  • Service providers: Personal information may be shared with service providers who perform services on our behalf for a business purpose including service providers that:
    • help manage the health care treatment you receive,
    • engage in payment processing,
    • administer your health plan,
    • provide marketing and advertising, email, or other communication services,
    • provide services that support our online activities including providing tracking technologies, web hosting and analytics,
    • provide tax and accounting, legal services, delivery, and data enhancement services,
    • provide technology services and enhance security, privacy and fraud protections,
    • provide data analytics services or conduct research or actuarial studies, and
    • provide support to our operations.
  • Research organizations: We may share your information with research organizations for health research purposes.
  • Law enforcement, regulators and other parties for legal reasons: Personal information may be disclosed to third parties, as required by law, court order or subpoena, or if we reasonably believe such action is necessary to:
    • comply with the law and the reasonable requests of regulators such as the Department of Health and Human Services or state health agencies, law enforcement, or other public authorities,
    • protect our or others safety, rights or property, and
    • investigate fraud or to protect the security or integrity of our Sites or any product or services.
  • Third parties in connection with a business transaction: Personal information may be disclosed to third parties in connection with a corporate transaction, such as a merger, sale of any or all of our company assets or shares, reorganization, financing, change of control or acquisition of all or a portion of our business by an affiliate or third party, or in the event of a bankruptcy or similar proceedings.

How Long We Keep Your Information

We retain personal information in accordance with applicable laws or regulatory requirements and also for as long as necessary to fulfill the purposes for which it was collected and to fulfill the business or commercial purposes that are explained in this Privacy Statement.

Cookies and Other Tracking Technologies

Technologies and Information Collected: When you visit our Sites, we and our service providers automatically collect information about your use of and access to these Sites. We collect this information through a variety of tracking technologies, including cookies, Flash objects, web beacons (also called pixel tags), embedded scripts, location-identifying technologies, and similar technology (collectively, "tracking technologies"). Information we collect automatically about you may be combined with other personal information we collect directly. The information collected in this manner includes:

  • The website from where you accessed the Site, where you went to when you left the Site, how frequently you visit the Sites, when and whether you open emails or click the links contained in emails, pages you visit on our Sites, the links you click and ads you view, or your location when you access our Sites,
  • Information about the computer, tablet, smartphone or other device you use, such as your IP address, browser type, Internet service provider, platform type, device type/model/manufacturer, operating system, date and time stamp, a unique ID that allows us to uniquely identify your browser, mobile device or your account (including, e.g., a persistent device identifier or an Ad ID), and other similar information,
  • Analytics information collected by us or via third party analytics tools, to help us measure traffic and usage trends for the Sites and to understand more about the demographics and behaviors of our users, and
  • How often you use a mobile app, from where the app was downloaded, events that occur within the app, aggregated usage, and performance data.

Use of the information: The information collected through tracking technologies allows us to provide you with an improved, enhanced and personalized customer experience, to monitor and improve our Sites and for other internal purposes such as:

  • Remembering information so that you will not have to re-enter it during your visit or the next time you visit the Sites,
  • Provide custom, personalized content and information,
  • Identify and contact you across multiple devices,
  • Provide and monitor the effectiveness of our Sites,
  • Perform analytics and detect usage patterns on our Sites,
  • Diagnose or fix technology problems,
  • Detect or prevent fraud or other harmful activities, and
  • Otherwise to plan for and enhance our Sites.

Our service providers include Adobe and Google. Click here to learn about Adobe Analytics privacy practices or to opt-out of cookies set to facilitate reporting. Click here to learn more about Google's privacy practices. Click here to access and use the Google Analytics Opt-out Browser Add-on.

Your choices regarding cookies: If you prefer not to accept cookies, most browsers will allow you to manage cookies in your browser settings to disable or block cookies, remove existing cookies, automatically accept cookies or to notify you when you receive a cookie. Options available may vary by browser. However, if you disable, modify, or reject cookies, some parts or functionalities of our Site may be inaccessible or not function properly. For example, disabling cookies may require you to repeatedly enter information to take advantage of services or promotions.

Privacy Rights and Choices

Various federal and state laws provide privacy rights to consumers including the right to access, delete, or correct personal information. These rights differ by state and also by the type of products and services you have with AB and AHS. Please refer to the HIPAA Notice of Privacy Practices and other privacy statements that you received in connection with your policy for details.

Email Marketing Choices and Other Notifications: We may send you email marketing communications about products, features and services that may be of interest to you. To opt out from receiving marketing and promotional emails from us, please click the unsubscribe link located at the bottom of each communication. If you opt out from receiving marketing emails, we may still send you non-marketing emails such as emails about your products or services, responses to your requests and inquiries, or notices of updates to terms and conditions or our privacy practices.

If you use our customer portal, you can also manage email and other notifications. If you use a Mobile App, you can also manage email, text and push notification preferences.

Social Media, Links and External Sites

Links to other company's websites may be provided on the Allstate Sites as a convenience to you. If you choose to go to these external websites, you will be subject to the privacy practices of those external websites; Allstate is not responsible for the privacy practices of those websites. We encourage you to be aware when you leave our Site to read the privacy policies or statements of every website you visit, as those privacy policies or statements may differ from ours. Our Privacy Statement applies solely to the Sites where this Privacy Statement appears.

Security

Protecting your personal information is important to us. We use a combination of reasonable technical, administrative, and physical safeguards to protect your personal information. However, no website, mobile application, database or system is completely secure or "hacker proof." So, we cannot guarantee its absolute security. You are also responsible for taking reasonable steps to protect your personal information against unauthorized disclosure or misuse.

We limit access to your personal information to those who need it to do their jobs. We comply with all applicable federal and state data security laws.

Contact Us

If you should have questions or concerns about our privacy practices, please contact us at:
Allstate Benefits and Allstate Health Solutions
Attention: Privacy Office
1776 American Heritage Life Drive
Jacksonville, FL 32224

ABAHPrivacy@allstate.com

Changes To Our Privacy Statement

We may periodically update or revise this Privacy Statement. The effective date at the top of the document shows when this Privacy Statement was last revised. We will let you know when we update the Privacy Statement by changing the date or other appropriate means.

HIPAA Privacy Notices:

American Heritage Life Insurance Company Health Insurance Portability and Accountability Act (HIPAA) Notice

National Health Insurance Company, Integon National Insurance Company, and Integon Indemnity Corporation (HIPAA) Notice

Consumer Insurance Privacy Notices:

American Heritage Life Insurance Company

National Health Insurance Company, Integon National Insurance Company, and Integon Indemnity Corporation

Important notice for Victims of Domestic Violence

New York Insurance Law §2612 and Illinois Insurance Code §355b provide important protections for victims of domestic violence. These protections include prohibiting insurers from taking certain actions against individuals based solely on their status as a current or former victim of domestic violence. The law also establishes processes an insurer must follow to protect the confidentiality of a person covered under a policy of insurance when that person properly presents the insurer with a valid order of protection obtained against the policyholder as further explained below.

If a person covered by an insurance policy issued to another person as the policyholder delivers to the insurer a valid order of protection against the policyholder, the insurer is prohibited for the duration of the order from disclosing to the policyholder the address and telephone number of the insured, or of any person or entity providing covered services to the insured. If a child is the covered person under the policy, this right extends to the child's parent or guardian.

If you are an Allstate Benefits customer and wish to initiate a request for confidentiality in connection with a valid order of protection, or if disclosure of information about your claim to the policyholder or another insured person covered under the same policy would endanger you, please contact us by phone or send a copy of the valid order of protection and a completed Confidentiality Request form to:

Allstate Benefits
Attn: Privacy Office
1776 American Heritage Life Drive
Jacksonville, FL 32224

Inquiries related to Voluntary Benefits through American Heritage Life Insurance Company: 1-800-521-3535.

Confidentiality Request Form

Confidentiality Request Form – WA (If you are a resident of the state of Washington, you may utilize the form available here or on the office of the insurance commissioner’s website here: https://www.insurance.wa.gov/health-information-and-your-privacy)

Confidentiality Request Form – RI

Inquiries related to Voluntary Benefits through Wilton Reassurance Life Company of New York: 1-866-541-5794

Confidentiality Request Form - NY

You may revoke your request at any time by sending a letter to the address above.

We will implement your request within three (3) business days of our receipt. Once implemented we will not share your name, address, social security number or any other information from which there is a reasonable basis to believe the foregoing could be obtained, to the policyholder or other insured covered under the same policy against whom you have a valid order of protection or to whom disclosure of the information would endanger you, without your express consent.

NYS Domestic and Sexual Violence Hotline:

English: 1-800-942-6906
Spanish: 1-800-942-6908
In NYC: 1-800-621-HOPE (4673) or dial 311
TTY: 1-866-604-5350

Illinois State Domestic Violence Help Line

Illinois Domestic Violence Help Line:
1-877-863-6338

National Domestic Violence Hotline

National Domestic Violence Hotline:
1-800-799-7233/ TTY 1-800-787-3224

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