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New Era Enterprises, Inc., New Era Life Insurance Company of the Midwest, Philadelphia American Life Insurance Company and Life of America Insurance Company was the subject of a data breach notification filed with the NH Attorney General. The AG filing was recorded on February 11, 2025.
From the AG filing description
New Era Enterprises, Inc., along with its affiliates including New Era Life Insurance Company of the Midwest, Philadelphia American Life Insurance Company, and Life of America Insurance Company, operates as a prominent insurance holding and provider network. The company and its subsidiaries underwrite and administer a wide range of life, health, and supplemental insurance products to consumers across multiple states. Because of the core nature of the insurance industry, these entities must collect, process, and retain vast repositories of highly sensitive personal and financial data. This includes detailed underwriting files, medical histories, claims records, banking details, and government-issued identification numbers required to issue policies, process premium payments, and disburse insurance benefits. In 2025, New Era Life Insurance Company of the Midwest and its affiliated entities formally reported a significant security incident to the New Hampshire Attorney General's office. While the precise mechanics of the breach continue to be scrutinized, incidents of this magnitude within the insurance sector typically involve sophisticated cyberattacks, unauthorized intrusions into legacy databases, or vulnerabilities introduced via third-party administrative vendors. Insurance companies are prime targets for malicious actors due to the centralized concentration of lucrative personal identifiable information (PII) and protected health information (PHI) stored within their digital environments, making network security failures particularly damaging. The data compromised in the breach encompasses a dangerous cross-section of personal information, including full names, dates of birth, Social Security numbers, insurance policy numbers, banking and financial account details, and detailed claims or medical treatment histories. The exposure of this combination of data creates severe, long-term risks for affected policyholders. Social Security numbers and dates of birth form the bedrock of identity theft, allowing bad actors to open fraudulent credit lines, secure unauthorized loans, or intercept tax refunds. Furthermore, the inclusion of insurance policy numbers and medical data exposes victims to targeted healthcare fraud, medical identity theft, and sophisticated phishing schemes designed to extract further financial details. As regulated financial and insurance institutions, New Era Enterprises and its subsidiary companies are bound by stringent federal and state legal frameworks, including the Gramm-Leach-Bliley Act (GLBA) and state-level data protection statutes, which mandate the rigorous safeguarding of consumer financial and personal records. These laws require covered entities to implement robust administrative, physical, and technical safeguards—such as multi-factor authentication, robust network monitoring, and regular vulnerability assessments—to prevent unauthorized access. The occurrence of a data breach of this scale strongly suggests a failure in these mandated security protocols, raising serious questions about whether the companies adequately protected their policyholders' most confidential information. Receiving a data breach notification letter from New Era Life Insurance, Philadelphia American Life Insurance, or any of their affiliated entities serves as formal legal acknowledgment that your private information was compromised due to corporate security lapses. Under modern consumer protection jurisprudence, this notification confirms your legal standing to participate in a class action lawsuit against the responsible parties. Crucially, affected individuals do not need to prove that they have already suffered actual financial loss or identity theft to seek legal recourse; the mere exposure and increased risk of future harm are sufficient. Our firm is actively investigating potential class action claims on a contingency fee basis, meaning there are never any out-of-pocket costs or fees unless we successfully recover compensation on your behalf.
Based on the data types reported in this filing:
Your SSN is the master key to your identity. Once exposed, criminals can open new lines of credit, take out loans, or file taxes in your name.
Combined with a name and other leaked data, date of birth helps criminals pass identity verification questions at banks and government agencies.
You may have been affected by the New Era Enterprises, Inc., New Era Life Insurance Company of the Midwest, Philadelphia American Life Insurance Company and Life of America Insurance Company data breach if:
Common categories of compensation in data breach class actions
Courts recognize that the time spent monitoring accounts, placing credit freezes, and dealing with the aftermath of a breach has real economic value. This category of damages is recoverable even without direct financial loss.
Professional credit monitoring services cost $10–$40 per month. Identity theft restoration services, if needed, can cost hundreds of hours and thousands of dollars. Courts have awarded these costs as direct damages in SSN breach cases.
HIPAA violations carry civil penalties between $100 and $50,000 per violation. Where a healthcare organization's negligence led to the exposure of protected health information, class members may recover statutory damages in addition to actual losses.
Direct financial losses resulting from the breach — unauthorized charges, fraudulent transfers, or fees incurred through fraud — are recoverable as compensatory damages. Banks may reverse some charges; a class action recovers the remainder and associated costs.
Data breach victims regularly report anxiety, loss of sleep, and ongoing fear of identity theft. These non-economic harms are cognizable injuries in data breach litigation, particularly in cases involving SSN or medical record exposure.
Note: an attorney general breach filing does not by itself establish a settlement fund, a payment amount, or a claim deadline. If an official settlement notice is later issued, rely on that notice for payment details and deadlines.
Applicable State Law
This breach was reported under the New Hampshire data breach notification law, which mandates notification and establishes your right to seek damages.
No. Under New Hampshire data breach notification law and federal law, the unauthorized exposure of your personal data — regardless of whether it has been actively misused — can be sufficient grounds for a claim. The breach itself is the injury.
Nothing. The Law Office of David S. Harris handles data breach cases on contingency — you pay zero upfront and owe nothing unless compensation is recovered.
Immediately place a free credit freeze at all three bureaus (Equifax, Experian, TransUnion). A freeze blocks new accounts from being opened in your name. Then file a complaint with the FTC at IdentityTheft.gov and contact our office — SSN exposure is one of the most serious breach types.
If New Era Enterprises, Inc., New Era Life Insurance Company of the Midwest, Philadelphia American Life Insurance Company and Life of America Insurance Company is a covered healthcare entity or business associate under HIPAA, affected patients have additional rights — including the right to an HHS complaint. These HIPAA violations also strengthen civil damages claims. Consult an attorney to understand your full remedies.
Banks may reverse fraudulent charges, but they are not obligated to compensate you for time lost, stress, or indirect damages. A class action claim against the breached company can recover those additional categories of harm.
Statutes of limitations for data breach claims vary by state but typically run 2–4 years. Depending on when you learned of the breach, you may still have time. Contact our office for a free eligibility review — there is no cost to find out.
Accepting free credit monitoring from New Era Enterprises, Inc., New Era Life Insurance Company of the Midwest, Philadelphia American Life Insurance Company and Life of America Insurance Company does not waive your right to pursue legal action unless you signed a specific release waiving claims. In most cases, victims who accepted monitoring can still file.
Received a notification letter from New Era Enterprises, Inc., New Era Life Insurance Company of the Midwest, Philadelphia American Life Insurance Company and Life of America Insurance Company?
Read our dedicated guide — what the letter means and what to do.
Learn how to participate in the class action and what compensation you may be entitled to.
Join the Class Action →Use our verification tool to confirm your letter matches this official AG filing.
Verify My Notice LetterThis case file references a public filing made with the state filing in NH. This website is not affiliated with, endorsed by, or operated by any state government agency.
New Era Enterprises, Inc., New Era Life Insurance Company of the Midwest, Philadelphia American Life Insurance Company and Life of America Insurance Company breach?
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