Last Updated: August 8, 2026
AO Heritage ("AO Heritage," "we," "us," or "our") respects your privacy and is committed to protecting the information you provide through AOHeritage.com (the "Website").
AOHeritage.com is owned and operated by Heritage Group LLC.
AO Heritage operates as a captive agency within the American Income Division of Globe Life. AO Heritage is not an insurance carrier. Insurance products and coverage discussed or offered through AO Heritage are subject to the terms, conditions, underwriting requirements, availability, and applicable state laws of the applicable insurance company.
This Privacy Policy explains how AO Heritage collects, uses, maintains, protects, and discloses information collected through AOHeritage.com.
By accessing or using AOHeritage.com, you acknowledge the practices described in this Privacy Policy.
This Privacy Policy applies to information collected through AOHeritage.com, including information you voluntarily submit through contact forms, insurance quote requests, insurance inquiries, applications, appointment requests, and other forms available on the Website.
This Policy also applies to information collected through electronic communications between you and AO Heritage relating to services requested through the Website.
AOHeritage.com is intended for use by individuals in the United States.
AO Heritage may collect information that you voluntarily provide through the Website.
This information may include:
The information requested may vary depending on the insurance product, service, quote, or inquiry you submit.
Certain insurance-related information may be considered sensitive personal information under applicable law. We collect and use such information only as reasonably necessary to respond to your request, provide insurance-related services, process an inquiry or application, or otherwise operate our business in accordance with applicable law.
AO Heritage may use the information you provide to:
By submitting your contact information or insurance-related information through AOHeritage.com, you may be contacted by AO Heritage or its authorized representatives regarding insurance products, services, quotes, applications, or information you have requested.
Communications may occur by telephone, text message, email, or other electronic means, subject to applicable laws and your communication preferences.
Message and data rates may apply to text messages depending on your mobile carrier and plan.
If you provide your telephone number and consent to receive text messages, you may receive text messages relating to your inquiry, requested information, appointments, insurance products, or services.
You may opt out of promotional communications at any time by following the instructions provided in the communication or by contacting us at privacy@aoheritage.com.
Opting out of promotional communications does not necessarily prevent us from sending communications necessary to respond to a request you have made or provide services you have requested.
AO Heritage may share information you provide when reasonably necessary to respond to your request, provide insurance-related services, operate our business, or comply with applicable law.
This may include sharing information with:
Information may be shared for purposes including insurance quoting, underwriting, application processing, policy servicing, customer service, and fulfillment of services you request.
AO Heritage does not authorize third parties to use your information for purposes unrelated to the services or communications for which the information was provided, except as permitted or required by law.
Information submitted through AOHeritage.com may be used to help determine which insurance products or benefits may be appropriate for you.
Depending on the product or service requested, information may be provided to an applicable insurance company or other authorized insurance-related party for purposes such as quoting, underwriting, application processing, policy servicing, or fulfilling your request.
Submitting information through AOHeritage.com does not guarantee that you will qualify for, be approved for, or receive any particular insurance product or coverage.
All insurance coverage is subject to the applicable insurance company's underwriting requirements, policy terms, conditions, limitations, availability, and applicable state law.
AO Heritage takes reasonable measures designed to protect the information we collect from loss, misuse, unauthorized access, disclosure, alteration, or destruction.
However, no method of transmitting information over the Internet or storing information electronically is completely secure. While we take reasonable precautions to protect your information, we cannot guarantee the absolute security of information transmitted to or through the Website.
AOHeritage.com may use cookies or similar technologies when necessary to operate, maintain, secure, or improve the Website.
These technologies may help us understand how visitors interact with the Website, maintain website functionality, and remember certain preferences.
You may be able to control cookies through your web browser settings. Disabling cookies may affect certain Website functionality.
AOHeritage.com may use third-party services that assist us with website operations, communications, analytics, lead management, insurance-related services, or other business functions.
These third parties may have access to information only as reasonably necessary to perform services on our behalf and are expected to handle that information in accordance with applicable requirements.
Third-party websites or services linked to or referenced by our Website may have their own privacy policies. AO Heritage is not responsible for the privacy practices of third-party websites that we do not control.
Depending on applicable law, you may have the right to:
To make a privacy request, contact us at privacy@aoheritage.com.
Some information may need to be retained when required by law, necessary to complete a transaction or service you requested, or necessary for legitimate business purposes.
AOHeritage.com is not intended for children under 18 years of age.
We do not knowingly collect personal information from children under 18 through our Website. If we learn that we have collected personal information from a child under 18, we will take reasonable steps to delete that information.
AOHeritage.com is intended for use by individuals in the United States.
Information collected through the Website is handled in accordance with applicable United States laws.
Residents of certain states may have additional privacy rights under applicable state privacy laws. Where applicable, AO Heritage will provide those rights as required by law.
AO Heritage may update this Privacy Policy from time to time.
When we make changes, we will update the "Last Updated" date at the top of this Privacy Policy.
We encourage you to periodically review this page to remain informed about how we collect, use, and protect your information.
If you have questions about this Privacy Policy, wish to request information regarding your personal information, or wish to opt out of certain communications, please contact AO Heritage:
Heritage Group LLC
101 W Emma St
Tampa, FL 33603
Email: privacy@aoheritage.com
AO Heritage operates as a captive agency within the American Income Division of Globe Life. AO Heritage is not an insurance company or insurance carrier.
Insurance products are subject to the terms, conditions, limitations, underwriting requirements, availability, and approval of the applicable insurance company and applicable state law.
Submitting information through AOHeritage.com does not constitute an insurance application unless expressly stated otherwise and does not guarantee approval for coverage.