Privacy Policy
Great Southern Life values your privacy. This Privacy Policy explains how Great Southern Life collects, uses, processes, stores, and transfers your “Personal Information” (as defined below), whether we collect it directly from you, through our website, www.greatsouthern.com (collectively the “Site”), or from an agency, brokerage, Great Southern Life affiliate, or non-affiliated company.
This notice describes how information about you may be used and disclosed, and how you can get access to this information. Please review it carefully.
Companies Covered by this Privacy Policy
In this Privacy Policy, “Great Southern Life” means:
Definition of Personal Information and Definition of Protected Health Information
In this Privacy Policy, we refer to “Personal Information,” meaning data about an individual who can be identified from that data, or by combining it with other data. Personal Information is typically your name, combined with another identifier, such as your date of birth, postal address, email address, telephone number, or government-issued identification number. The specific definition of Personal information varies from one jurisdiction to another.
Personal information does not include anonymous or aggregated data that can no longer be used to identify a specific person, even if combined with other data. We typically do not consider business information, such as one’s position, business name, title, business email, business phone number, business address, business fax, and other similar business information, to be Personal Information. Other information that is part of publicly accessible data sources may not be Personal Information. In contrast, “Protected Health Information” or “PHI” is information, including demographics, which relates to your past, present, or future physical or mental health, and the provision or payment of healthcare, that is created or received by a “Covered Entity”, such as specific “Health Plans” that we offer. Our Notice of Privacy Practices governs the protection of PHI.
Personal Information Directly from You When you contact Great Southern Life or inquire about our products and services through our Site, we may collect or receive your name, email address, phone number, and date of birth, so that we may respond to your inquiry.
When you make a claim, update your bank information, surrender your policy, withdraw from your claim, update your address, update your beneficiary, or otherwise seek service of your policy through our Site, we may collect Personal Information about you and information related to your request. This information may be collected through online forms, telephone, emails, and social media, and may include your name, address, policy number, bank information, and beneficiary information. We use the collected information to process and respond to your request.
Personal Information from Agents and Brokers
When you inquire with an insurance agent or broker about our products or services, or apply for our products or services through them, we may receive Personal Information from them, such as your name, address, email address, and phone number.
Agents and brokers may also provide us with certain biographical information about you, including your social security number and health-related information (such as age, weight, and smoking habits) about you and your family members during the application process.
This Privacy Policy explains what we do with your Personal Information. Please contact your agent or broker directly and review their policy if you have questions about how they collect, use, process, and share your PHI.
Personal Information from Non-Affiliates
When you apply for products and services from a non-affiliate insurer whose policies we administer, we may receive Personal Information such as your name, address, email address, and phone number. We may receive certain biographical information about you. We may also receive health-related information (such as age, weight, and smoking habits) about you and your family members.
We may also receive Personal Information from other non-affiliated third parties who supply us with information after you have executed a specific authorization. For example, you may authorize Great Southern Life or other insurers to share or obtain Personal Information with or from MIB, Inc., which operates an information exchange for insurers used to assist in the underwriting process.
The collection, use, processing, and disclosure of your Personal Information by non-affiliate third parties is governed by their own privacy policies, so please review those policies or contact those companies directly.
Information from Visitors to our Site
When you visit our Site, we may collect non-Personal Information such as your IP address, device ID, browser settings, operating system, referring domain, language preferences, mobile carrier (if using a mobile device), action tags, and site activity. We do not use this information on its own to trace or identify a person. It is collected even if you cancel or do not complete a purchase, registration, or order.
We share this non-Personal Information with our third-party vendors to help operate our Site and improve your experience with it. We also work with several third parties who offer analytics or deliver targeted ads online or through our apps. You can opt out of receiving targeted ads, but it will not make your browsing ad-free.
Information from Cookies and Similar Technologies
We also collect information from Site visitors using “cookies.” Cookies are small text files stored on your device by our Site. They carry navigational information from your Site visits. We use cookies to transact with you, personalize your experience, analyze usage patterns, and otherwise improve our Site, products, and services. Our cookies generally fall into one of four categories: Essential, Functional, Analytics, and Target.
Essential Cookies are necessary to provide you with products and services available through our Site. If you refuse, it will impact your ability to access certain functions and features of the Site.
Performance cookies help us enhance the performance and functionality of our Site, products, and services, but are not necessary for your use. Specific functions or features may become unavailable if you refuse them.
Analytics cookies collect information that helps us understand the use of our Site, products, and services, as well as the effectiveness of marketing campaigns, to customize our Site and enhance your experience.
Target cookies record your visit to our Site, the pages you have visited, and the links you have followed. We use this to recognize you as a prior visitor and track your activity on our Site and other sites you visit. These cookies remain on your device to enable us to use them during subsequent visits to our Site. Some cookies are “persistent,” and others are deleted when your browsing session ends.
We also allow third parties to use cookies on our Site to collect information about your online activities over time and across different websites you visit. This information is used to provide advertising tailored to your interests on websites you visit, also known as interest-based advertising, and to analyze the effectiveness of such advertising.
To learn more about the use of cookies by Google for analytics and to exercise choice regarding those cookies, please visit the Google Analytics Opt-out Browser Add-on or the Digital Advertising Alliance.
There are “do not track” or similar browser options available to internet users regarding their online web activity. However, given the current lack of consensus on what constitutes an informed election, the appropriate trigger, or the breadth of scope of such a choice, our Site will not operate any differently when a “do not track” signal is received or one of these browsers is used.
Use of Your Personal Information
We use your Personal Information for our legitimate business interests, to communicate with you, to provide you with the products and services you seek, and as otherwise described in this Privacy Policy.
We may use your Personal Information to personalize offers or pricing for you, to compile, analyze, and better understand the needs, demographics, and behavior of our customers, and to detect, investigate, and prevent activities that may be illegal or violate our policies.
We may use your Personal Information to communicate with you about products and services we believe might be of interest and to administer promotions, surveys, contests, and sweepstakes in which you might participate.
We may use the information collected by our Site to improve the effectiveness of our marketing efforts, operations, customer experience, or as described elsewhere in this policy, to prevent fraud and theft, and otherwise to protect our customers, our Site’s visitors, and our business.
Our employees and agents may use your Personal Information to perform their jobs and service your needs, as well as support our operations. We authorize their access to your Personal Information on a need-to-know basis, with an obligation to protect the privacy of your Personal Information.
Sharing Your Personal Information
We share your Personal Information with our Affiliated Companies and non-affiliated insurers for whom we administer policies to (1) underwrite your application for coverage, and make eligibility, risk rating, policy issuance, and enrollment determinations; (2) obtain reinsurance; (3) administer claims and determine or fulfill our responsibility for coverage and the provision for benefits; (4) administer coverage; and (5) in furtherance of our legitimate business interest in identifying and marketing other of our, or our affiliates’, products and services that may be of interest to you.
We may also share your Personal Information with non-affiliated entities that assist us in the marketing and operation of our business, our Site, and in communicating with you.
We may disclose your Personal Information if we determine that disclosure is reasonably necessary to enforce our terms, this Privacy Policy, or to otherwise protect our operations, customers, or our Site.
We may release your Personal Information to others, including law enforcement, if we believe such release is reasonably necessary to comply with the law or legal process; enforce or apply the terms of applicable terms of use; detect, prevent, or otherwise address fraud, security, or technical issues; or otherwise protect the rights, property or safety of others.
We may sell, transfer, and/or disclose your Personal Information as part of a business divestiture, sale, merger, or acquisition of all or a part of our business. If another company acquires our company, business, or assets, that company will possess the Personal Information collected by us and will assume the rights and obligations regarding your Personal Information as described in this Privacy Policy. In the event of an insolvency, bankruptcy, or receivership, your Personal Information may also be transferred as a business asset.
Additionally, we may share aggregate, non-personally identifiable information with third parties for lawful purposes.
You may opt out of receiving our marketing emails by clicking the “unsubscribe” link at the bottom of any such email you receive from us, or by emailing us at regulatory.compliance@greatsouthern.com.
If you opt out of receiving marketing emails or text messages, we may still need to send you communications about your account, orders, customer service inquiries, and other matters.
If you agreed to receive future marketing communications directly from a third party through our Site, you will need to contact that party to opt out of such communications. This process may be outlined in that third party’s privacy policy.
California Privacy Rights
If you are a California resident, you may have certain rights with respect to your Personal Information, including the following:
California Civil Code Section 1798.83 permits California residents who use our Site to request certain information regarding our disclosure of Personal Information to third parties for their direct marketing purposes. To make such a request, or if you have any questions or concerns about your California privacy rights, our Privacy Policy or our use of your Personal Information, please send an e‐mail to regulatory.compliance@greatsouthern.com, or contact us at:
California Privacy Rights
Great Southern Life Insurance Company
PO BOX 410249
Kansas City, MO, 64141-0249
816.908.3000
For all California residents, any such inquiries shall be responded to within forty-five (45) days and at no cost to you. We must verify your identity with respect to such inquiries. Depending on the nature of the Personal Information at issue, we may require additional measures or information from you as part of the verification process.
For California residents under age 18 who have publicly posted content or information, you may request and obtain removal of such content or information pursuant to California Business and Professions Code Section 22581, provided you are a registered user of any Site where this Policy is posted. To make such a request, please send an email with a detailed description of the specific content or information to regulatory.compliance@greatsouthern.com. Please be aware that such a request does not ensure complete or comprehensive removal of the content or information you have posted and that the law may not require or allow removal in all instances, even if requested.
Links to Other Sites
We are not responsible for, nor do we review or evaluate, the privacy practices or content of other websites that may appear on our Site. When you leave our Site to visit a linked site, we encourage you to review the security and privacy policies of the linked site.
Security Measures
We maintain a variety of security measures, including physical, electronic, and administrative safeguards. No system can be completely secure, however, so you should not expect that your Personal Information, searches, or communications will always remain secure.
You are responsible for maintaining the confidentiality of any Password used for access to our products or services. All activities that occur using your Password are your responsibility, whether you authorized them or not. If you suspect any unauthorized use of your Password or accounts, notify Great Southern Life immediately.
Changes to this Privacy Policy
This Policy was last revised on October 14, 2025. We reserve the right to modify this Privacy Policy at any time. Any such changes and clarifications will be distributed to you and will take effect when distributed by Great Southern Life.
AAA8414 (09/21)