Privacy Policy - Farmers Life Insurance Company

Last modified: July 27, 2026

Introduction

Farmers Life Insurance Company (“Company” or “We”) respect your privacy and are committed to protecting it through our compliance with this policy.

This policy describes the types of information we may collect from you or that you may provide when you visit the website farmerslifeins.com (our “Website“) and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This policy applies to information we collect:

On this Website.
In email, text, and other electronic messages between you and this Website.

It does not apply to information collected by:

Us offline or through any other means, including on any other website operated by Company or any third party; or
Any unaffiliated third party, including through any application or content (including advertising) that may link to or be accessible from or on the Website

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, you cannot use our Website. By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time (see Changes to Our Privacy Policy). Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates. Our processing of your personal information will be undertaken in a manner consistent with the requirements of applicable privacy laws.

Children Under the Age of 18

Our Website is not intended for children under 18 years of age. No one under age 18 may provide any information to or on the Website. We do not knowingly collect personal information from children under 18. If you are under 18, do not use or provide any information on this Website or through any of its features, register on the Website or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us at support@farmerslifeins.com.

California residents under 18 years of age may have additional rights regarding the collection and sale of their personal information. Please see Your California Privacy Rights for more information

Information We Collect About You and How We Collect It

We collect several types of information from and about users of our Website, including information:

By which you may be personally identified, such as name, postal address, email address, telephone number, social security number, licensing information or any other identifier by which you may be contacted online or offline (“personal information“);
That is about you but individually does not identify you; and/or
About your internet connection, the equipment you use to access our Website, and usage details.

We collect this information:

Directly from you when you provide it to us.
Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and/or other tracking technologies.
From third parties, for example, our business and IMO partners.

Information You Provide to Us

The information we collect on or through our Website may include:

Information that you provide by filling in forms on our Website. This includes information provided at the time of registering to use our Website, subscribing to our service, uploading material, or requesting further services. We may also ask you for information or when you report a problem with our Website.
Records and copies of your correspondence (including email addresses), if you contact us.
Details of transactions you carry out through our Website and of the fulfillment of new business and life of policy transactions.

We may also collect additional information, which may be personal information, as otherwise described to you at the point of collection or pursuant to your consent.

You also may provide information to be published or displayed (hereinafter, “posted“) on public areas of the Website, or transmitted to other users of the Website or third parties (collectively, “User Contributions“). Your User Contributions are posted on and transmitted to others at your own risk. Although we limit access to certain pages/you may set certain privacy settings for such information by logging into your account profile, please be aware that no security measures are perfect or impenetrable. Additionally, we cannot control the actions of other users of the Website with whom you may choose to share your User Contributions. Therefore, we cannot and do not guarantee that your User Contributions will not be viewed by unauthorized persons.

Information We Collect Through Automatic Data Collection Technologies

As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.
Information about your computer and internet connection, including your IP address, operating system, and browser type.

The information we collect automatically may include statistical data and does not include personal information[, but we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:

Estimate our audience size and usage patterns.
Store information about your preferences, allowing us to customize our Website according to your individual interests.
Speed up your searches.
Recognize you when you return to our Website.

The technologies we use for this automatic data collection may include, without limitation:

Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.
Flash Cookies. Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Website. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see Choices About How We Use and Disclose Your Information.
Web Beacons. Pages of our the Website [and our e-mails] may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

We do not collect personal information automatically, but we may tie this information to personal information about you that we collect from other sources or you provide to us.

Artificial Intelligence & Automated Decision-Making

We may employ artificial intelligence (AI) technologies (“AI Systems”) to enhance the performance and functionality of the Company’s services and/or support certain internal operations and customer facing services which includes tailoring your experience through automated processing based on your activity using the Company’s services. The AI Systems work by analyzing your usage patterns, preferences, and other interactions within our services to predict your interests and preferences. The insights gathered allow us to improve our service offerings, improve efficiency and accuracy, provide personalized content and advertising, and enhance user satisfaction and service quality. This notice explains how We use AI Systems, which training data We may use, and how you may request additional information or human review. By using the Company’s services, you consent to the use of AI as described in this Privacy Policy. We encourage you to review your privacy settings regularly to ensure they continue to reflect your preferences. For more information on your rights and how We use AI, or if you have any concerns about automated decision-making processes, please contact us at support@farmerslifeins.com.

Our AI Systems may collect data that you provide directly or indirectly through your interactions with the Company’s services. The data collected may include, but is not limited to:

Usage data, such as the pages you visit, the links you click on, and the searches you conduct on our platform or Website.
Device and connection information, including your IP address, browser type, language, and cookies that uniquely identify your browser or account.
Location information, determined through data such as your IP address or device’s GPS signal.

Our AI Systems may make automated decisions including:

Content curation and recommendations based on user preferences and historical activity.
Fraud detection and prevention through behavior analysis to identify and flag

You have the right to:

Obtain an explanation of any automated decision and challenge its basis.

Opt-out of certain uses of your data, including profiling activities for personalized content or advertising.
Access the personal information that the AI Systems use or contribute to, and request rectification or erasure of such personal information.
Receive information about the logic involved in any automated decisions, as well as the significance and the envisaged consequences of such processing for you.

We are committed to using AI responsibly. To this end, we implement the following safeguards:

Regular auditing of our AI Systems for accuracy, fairness, and effectiveness.
Human oversight to monitor AI decision-making and intervene as necessary to address anomalies or biases.

Compliance with privacy regulations, ensuring that data used by AI is processed lawfully, transparently, and securely.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

To present our Website and its contents to you.
To provide you with information, products, or services that you request from us.
To fulfill any other purpose for which you provide it.
To provide you with notices about your account, including expiration and renewal notices.
To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
To notify you about changes to our Website or any products or services we offer or provide though it.
To allow you to participate in interactive features on our Website.
In any other way we may describe when you provide the information.
For any other purpose with your consent.

By providing your e-mail and checking a box, clicking the “complete” button, or some other affirmative act, you are consenting to receive e-mails to that email After signing up, you will receive a confirmation e-mail from the Company. This agreement is not entered into as a term or requirement of any purchase or promotion. Normal message and data rates may apply. Message frequency may vary. Neither we nor the participating carriers guarantee that messages will be delivered. We may discontinue these programs at any time without notice.

Disclosure of Your Information

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

We may disclose personal information that we collect or you provide as described in this privacy policy:

To our subsidiaries and affiliates.
To contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Farmers Life Insurance Company’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Farmers Life Insurance Company about our Website users is among the assets transferred.
To fulfill the purpose for which you provide it.
For any other purpose disclosed by us when you provide the information.
With your consent.

We may also disclose your personal information:

To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
To enforce or apply our terms of use.
If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Farmers Life Insurance Company, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe’s website. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly. If we process cookies or similar automatic tracking technologies based on your consent (as indicated at the time of collection of such data), you have the right to withdraw your consent at any point in time by contacting us at support@farmerslifeins.com. Please note, if you exercise this right, you may have to provide your consent on a case-by-case basis to enable you to utilize some or all of the Website. You may be able to reject cookies and/or similar automatic tracking technologies identifiers by activating the appropriate setting on your browser or device.
GPC. New standards are being developed for a Universal Opt-Out Mechanism, such as the Global Privacy Control (GPC), which allow users with GPC-enabled browsers and devices to send a signal that will communicate the user’s request to opt-out of sales of their personal information and to opt-out of certain sharing of their personal information. Certain privacy laws allow for the acceptance of Opt-Out Preference Signals such as the GPC, as an option for users to transmit an Opt-Out of selling/sharing personal information. If we detect and recognize such a signal from your device or browser, we will honor it.

We do not control third parties’ collection or use of your information to serve interest-based advertising, and we are not responsible for the privacy practices of any third party. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative (“NAI“) on the NAI’s website.

California residents may have additional personal information rights and choices. Please see Your California Privacy Rights for more information.

Accessing and Correcting Your Information

You can review and change your personal information by logging into the Website and visiting your account profile page.

You may also send us an email at support@farmerslifeins.com to request access to, correct or delete any personal information that you have provided to us. We cannot delete your personal information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

Your Choices

Information You Provide

You can choose whether or not to provide personal information through our Services or Website. We will not discriminate against you for exercising any of your rights relating to your personal information and will not (i) deny you goods or services, (ii) provide you with a different level or quality of services, or (iii) charge you different prices for services for doing so.

Consumer Privacy Disclosures

In the preceding 12 months, we collected and disclosed for a business purpose the following categories of personal information about consumers:

Category	Examples	Collected?	Categories of Recipients
Identifiers	Name, address, email address, phone number, IP address	Yes	Third-party organizations providing services to the Company
Personal information categories	Name, Social Security number, date of birth, driver’s license, employment history, education, assets, and income	Yes	Third-party organizations providing services to the Company
Protected classification characteristics under state or federal law	Name, age, citizenship, nationality, ancestry, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, proof of eligibility to work	Yes	Third-party organizations providing services to the Company
Commercial information	Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies; policy coverage, claims, premiums, payment history, and other insurance transaction records	Yes	Third-party organizations providing services to the Company
Internet or other similar network activity	Browsing history, search history, information on a consumer’s interaction with the Company	No
Geolocation data	Location and movement data	No
Professional or employment-related information	Proof of eligibility to work, resumé, other professional-related information and employment-related information, employment history, education, income, assets, and other professional-related information provided in insurance applications	Yes	Third-party organizations providing services to the Company
Biometric information	Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.	No
Non-Public Education Information	Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records	No
Inferences from the foregoing	Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.	No

Purposes for Collection, Use, and Sharing

We use and disclose the personal information we collect for our commercial purposes, as further described in this Privacy Policy, including for our business purposes with our partners and service providers as follows:

Legal compliance and auditing related to our interactions with you.
Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and exercising our related rights.
Performing and improving out services (by us or our service provider(s)).
Internal operations.
Other one-time or short-term uses.

Individual Privacy Rights

If you are a California resident or a resident of another state that provides for individual privacy rights, you may have the following rights in relation to personal information We have collected about you, to the extent required by the applicable law and subject to verification:

Right to Know/Access: You have the right to request certain information about our collection and use of personal information about you as described below:

The specific pieces of your personal information collected.
The categories of your personal information collected.
The categories of sources from whom your personal information is collected.
The purpose for collecting your personal information.
The categories of third parties with whom we have shared your personal information.

Right to Delete: You have the right to request that we delete certain personal information We have about you.

Freedom from Discrimination: You have the right to be free from unlawful discrimination for exercising any of your privacy rights.

Right to Correct: You have the right to request that We correct inaccurate personal information regarding the information you provide us.

Right to Restrict the Use of Sensitive Personal Information: You have the right to restrict the use of your sensitive personal information.

Right to Access Information on Automated Decision-Making: You have the right to access information collected through automated decision-making. Additionally, you can opt-out of our use of automated decision-making related to your personal information.

To make a request in relation to the above rights, please contact us using the information in “Contact Information” section below. To fulfil your request, We will need to verify your identity. Only you or someone legally authorized to act on your behalf may make a request related to your personal information. To designate an authorized agent, the authorized agent must provide sufficient information that allows us to reasonably verify that you authorize them to act on your behalf.

Canada, European Union and United Kingdom Privacy Rights

If our processing of your personal information (used interchangeably with “personal data” and similar terms of art outside the United States) is subject to GDPR, UK GDPR, and/or PIPEDA, and unless subject to an exemption, you may have the following rights with respect to your personal information:

Right of Access: You have the right to view and request copies of your personal information.
Right to Rectification: You have the right to request that your inaccurate or outdated personal information be updated or corrected.
Right to be Forgotten/Right to Erasure: You have the right to request your personal information be deleted, upon providing verification to us.
Right to Restrict Processing: You have the right to request the restriction or suppression of our processing of your personal information.
Right to be Informed: You have the right to be informed about the collection and use of your personal information.
Right to Data Portability: You have the right to ask for your personal information to be transferred to you or to another controller.
Right to Withdraw Consent: You have the right to withdraw previously given consent to process your personal information.
Right to Object: You have the right to object to the processing of your personal information.
Right to Object to Automated Processing: You have the right to object to decisions being made with your personal information solely based on automated decision making or profiling.

We will need to verify your identity to process any requests described in this Section and may deny your request if we are unable to verify your identity. Government or other identification may be required.

If you are a resident of the European Economic Area (“EEA”), when We process your personal information, we will only do so in the following situations:

We need to use your information to perform our responsibilities under our agreement with you.
We have a legitimate interest in processing your personal information. For example, We may process your personal information to send you marketing communications, to communicate with you about the Company and our goods and services, and to provide and improve our services.
We have your consent to do so.

If your personal information is subject to GDPR or UK GDPR, we will transfer personal information from the EEA to a location outside the EEA only when there has been a documented adequacy determination, or where we have confirmed adequate privacy protections. If your personal information is subject to PIPEDA, we will transfer personal information from Canada to locations outside Canada only where we have confirmed adequate privacy protections. If we transfer personal information to a third party acting as our agent, We will also obligate the third party to have adequate privacy protections in place.

Data Security

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls. Any transactions and/or other information will be encrypted using SSL technology.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

We retain personal information about you for as long as necessary to provide you the Website and our services. In some cases, we retain personal information for longer, if doing so is necessary to comply with our legal obligations, or as otherwise permitted by applicable law. Afterwards, we retain some information in a de-identified and/or aggregated form but not in a way that would identify you personally.

Changes to Our Privacy Policy

It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users’ personal information, we will notify you by email to the primary email address specified in your account. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and this privacy policy to check for any changes. If you do not agree to future changes to this privacy policy, then you must immediately stop using the Website after the effective date of such changes.

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at:

243 North Peters Road
Knoxville, TN 37923-4910

or via our toll-free number (865) 444-0613 or by email at support@farmerslifeins.com.