Privacy Policy

Your privacy is important to us. We created this Privacy Policy for Cohen Velasquez Agency LLC DBA Globe Life CV Organization, an independent agency associated with American Income Life Insurance Company (“AIL”), to explain how we collect, use, share, and retain the information we collect from and about you on our website. This policy is limited to this website; AIL does not have control over the privacy policies of other websites, including those which you may access via links on the AIL website.

PLEASE NOTE THAT BY CONTINUING TO USE THIS SITE, YOU ARE PROVIDING YOUR CONSENT TO THE COLLECTION, USE, DISCLOSURE, AND RETENTION OF PERSONAL INFORMATION AS SET OUT IN THIS PRIVACY POLICY. IN SOME CASES, YOUR CONSENT MAY BE “IMPLIED” I.E. YOUR PERMISSION IS ASSUMED BASED ON YOUR ACTION OR INACTION AT THE POINT OF COLLECTION, USE OR SHARING OF YOUR PERSONAL INFORMATION.

Personal Information

Personal information includes any information that can be used to identify or contact you, such as your name, address, email address, telephone number, or Social Security/Insurance number. Cohen Velasquez Agency LLC DBA Globe Life CV Organization does not collect personal information unless it is voluntarily provided. We may use personal information only as required or permitted by law, including to verify your identity or to respond to requests or inquiries from you.

Information Collection

We do not sell, share, or rent information collected on this site to others in ways different from what is disclosed in this Privacy Policy.

We limit the collection of personal information to what is reasonably required to fulfill the purposes for which it was collected. We collect personal information in the following ways:

Information You Provide Directly to Us

We collect information that you provide to us when you inquire about products, services, career opportunities, or other information through this website or through your use of any of our programs, content, or materials. If you refuse to provide any requested information (whether or not required), you may not be able to take full advantage of the website and its features.

Information Provided from Third Parties

We may also collect personal information about you from third parties, such as consumer reporting agencies, your contacts, a social media site, or a plug-in you use to log into or connect to this website. We may associate or combine the information you provide through this website with the information collected from third parties.

Social Media

We may use different social media websites and applications to interact with you. Any information collected about you from our interactions with you or other users (e.g., any users who are connections of yours) is subject to the requirements and restrictions set out in our social media best practices.

Information Automatically Collected

When you use this website, the server may automatically recognize you by a “cookie” or other tracking technology. These technologies act as unique identifiers and allow us to tailor this website to your specified interests and keep track of your activity on this website.

For more information about how we use cookies, please visit our
Cookie Policy.

We may retrieve certain information from your browser such as browser type, referrer URL, date and time of your visit, IP address, device type, and operating system version.

Information Use

We may use your information to:

  • Respond to your inquiries and communicate with you regarding insurance products or career opportunities
  • Provide application updates or appointment reminders
  • Help provide insurance premium rate quotes
  • Provide insurers with required information for applications
  • Provide, maintain, and improve customer service
  • Tailor your experience with services that correspond with your interests
  • Develop new products or enhance our website

We may aggregate your information with that of other users for benchmarking and analysis purposes.

SMS Communications

By providing your mobile phone number through forms on this website, you may choose to opt-in to receive SMS text messages from Cohen Velasquez Agency LLC DBA Globe Life CV Organization.

These messages may include:

  • Meeting reminders
  • Application updates
  • Career inquiry updates
  • Policy review opportunities
  • Career opportunities
  • Life insurance tips

Message frequency varies. Message and data rates may apply depending on your mobile carrier.

You may opt out of SMS communications at any time by replying STOP. For assistance, reply HELP.

We do not sell, rent, or share your mobile phone number with third parties for their marketing purposes.

Your consent to receive SMS messages is not a condition of purchasing any products or services.

Disclosure of Your Information

We may disclose personal information only as required or permitted by law.

We may share your information with:

  • Service providers performing services on our behalf
  • Insurance carriers processing applications
  • Consumer reporting agencies when required
  • Legal authorities if required by law

Security of Your Information

We follow industry standards to protect your personal information from loss, misuse, unauthorized access, disclosure, alteration, or destruction.

However, no security system is completely secure. Email, SMS, and other internet communications may not be fully secure.

Children’s Privacy

This website is not intended for individuals under the age of 18. We do not knowingly collect personal information from children.

Choices and Access

You may request access to, correction of, or deletion of your personal information by contacting us.

Retention Period

We retain personal information only for as long as necessary to fulfill the purposes for which it was collected and to comply with legal obligations.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time. The most current version will always be posted on this website.

Contact Information

If you have any questions about this Privacy Policy or our privacy practices, please contact:

Cohen Velasquez Agency LLC DBA Globe Life CV Organization

or

American Income Life Insurance Company
ATTN: Privacy Office
P.O. Box 8080
McKinney, TX 75070

Email: PrivacyTeam@Globe.Life

American Income Life Insurance Company (“AIL”) and Cohen Velasquez Agency LLC DBA Globe Life CV Organization care about protecting the privacy of policyholders and website users. In the process of providing the products and services you requested, we may collect, use, and share certain information you provide. This Privacy Policy explains what information we collect and how we use that information. The Policy also explains how we protect the security and confidentiality of your information.

COLLECTION OF INFORMATION

We collect and retain information necessary for us to provide the products and services you requested. In that process we may collect nonpublic information from you as a result of: your completion of an insurance application or other forms; your transactions and experience with us; or reports from a consumer reporting agency, such as MIB, Inc.

ACCESS AND CORRECTION OF INFORMATION

Upon request you can obtain access to personal information about you which appears in our policy files or is contained in your investigative consumer reports. If you think that any personal information we have collected from or about you is inaccurate, you may notify us in writing. We will investigate your request and make appropriate changes as needed.

INVESTIGATIVE CONSUMER REPORTS NOTIFICATION

As part of our routine underwriting procedure, an investigative consumer report may be obtained which will provide applicable information concerning character, general reputation, personal characteristics, and mode of living (excluding sexual orientation). This information will be obtained through consumer reporting agencies and personal interviews with your friends, neighbors and associates. You may request to be interviewed in connection with the preparation of the report and upon request may receive a copy of the report.

CONFIDENTIALITY OF INFORMATION

We do not disclose any nonpublic information about you, either during or after your relationship with us, to anyone, except as permitted by law, such as to your authorized representative, in order to provide the products and services you requested, or to comply with applicable laws and regulations.

INTERNAL PROTECTION OF INFORMATION

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide the products and services you requested. We maintain physical, electronic, and procedural safeguards to comply with federal regulations to guard this information.

SMS COMMUNICATIONS

By providing your mobile phone number through forms on this website, you may choose to opt in to receive SMS text messages from Cohen Velasquez Agency LLC DBA Globe Life CV Organization.

These messages may include:

  • Meeting reminders
  • Application updates
  • Career inquiry updates
  • Policy review opportunities
  • Career opportunities
  • Life insurance tips

Message frequency varies. Message and data rates may apply depending on your mobile carrier.

You may opt out of receiving SMS messages at any time by replying STOP. For assistance, reply HELP.

Cohen Velasquez Agency LLC DBA Globe Life CV Organization does not sell, rent, or share your mobile phone number with third parties for their own marketing purposes. Your consent to receive SMS messages is not a condition of purchasing any products or services.

By providing your mobile number through our website forms, you consent to receive text messages (SMS) from Cohen Velasquez Agency LLC DBA Globe Life CV Organization, including, but not limited to, appointment reminders, service updates, and promotional messages. Message frequency may vary. Standard message and data rates may apply.

You may opt out of receiving SMS messages at any time by replying STOP to any message we send. You may also contact us directly at PrivacyTeam@Globe.Life. We do not sell, rent, or share your mobile number with third parties for their marketing purposes.

All collected phone numbers are stored securely and used only for communications relevant to your inquiry, ongoing relationship, or services with Cohen Velasquez Agency LLC DBA Globe Life CV Organization. Your consent to receive messages is not a condition of purchase or use of our services.

Effective date: October 15, 2025

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