At Catholic Life Insurance, protecting our members and complying with regulatory requirements is a responsibility we take seriously. One requirement you may notice is our need to maintain a current residential address for every policyholder. This requirement exists under both Texas law and federal law, and it helps us serve you better while protecting your interests.

What Is a Residential Address?
A residential address is the physical location where you live. It must be a street address and cannot be a post office box, private mailbox, or business address. While you may choose a different mailing address for correspondence, we are still required to keep a residential address on file for each policyholder.

Why Texas Law Requires It
As a Texas licensed and domiciled life insurance company, Catholic Life Insurance is regulated by the Texas Department of Insurance. State regulations require us to maintain accurate policyholder records, including residential addresses, so that we can:

• Verify member identity
• Deliver legally required notices and policy information
• Administer policies in accordance with Texas Insurance Code requirements
• Ensure consumer protections are properly applied

If a residential address is missing or outdated, certain policy transactions or required communications may be delayed until the information is updated.

Federal Requirements Under the USA PATRIOT Act
In addition to Texas requirements, federal law also requires life insurance companies to collect and retain residential address information. Under the USA PATRIOT Act and related federal regulations, financial institutions like Catholic Life Insurance must maintain a Customer Identification Program as part of national anti‑money laundering efforts.

These rules require us to obtain identifying information that allows us to reasonably verify a member’s identity. For individuals, this includes a residential or physical street address. Post office boxes alone generally do not meet federal requirements, except in very limited circumstances. These safeguards help prevent fraud, identity theft, and other illegal activities.

What This Means for Our Members
You may be asked to provide or confirm your residential address even if you already receive policy correspondence, statements, or notices at a different mailing address. This request does not affect your coverage, benefits, or dividend eligibility, and it does not change where you receive routine mail unless you ask us to do so.

Keeping your residential address current helps us avoid processing delays and ensures we can meet all regulatory obligations on your behalf.

Keeping Your Information Current
We encourage you to notify Catholic Life Insurance whenever your address or contact information changes. Keeping your records up to date helps ensure uninterrupted service and allows us to continue serving you efficiently and responsibly.

Working Together
Maintaining accurate policyholder information is a shared responsibility. While Catholic Life Insurance is required to maintain certain records, your cooperation in keeping your information current allows us to fulfill our mission of protecting members, operating responsibly, and providing dependable service.

Each year, Catholic Life Insurance conducts an annual outreach to members for whom we do not yet have a residential address on file. If your policy currently lists only a post office box, you may receive a periodic mailing requesting your residential address. This outreach helps us meet both state and federal requirements and ensures our records remain accurate.

Responding to these requests allows us to continue serving you without delay and helps us fulfill our regulatory obligations on behalf of all members.

Key Takeaway
Catholic Life Insurance is required by both Texas law and federal regulations to maintain a residential address for every policyholder. Keeping this information current helps protect you, supports regulatory compliance, and ensures continued policy service without interruption.

If you have questions or need to update your information, please contact our Membership Service Center at 210-828-9921 or via email at mscenter@cliu.com.