Privacy Notice

Privacy Notice

Congress recently passed the Gramm-Leach-Bliley (GLB) Act, which deals in part with how the insurance services industry handles nonpublic personal financial information. In order to provide you with the most effective and beneficial service, we must maintain information about you. Keeping that information secure and private is important to us. This notice is provided to you so that you may know how we collect information about you, the type of information we collect, what we may disclose to our affiliates and non-affiliated third parties, and the steps we take to protect personal information about you.

First, we must collect a certain amount of personal information about you in order to provide customer service, offer new products or services, evaluate benefits and claims, administer products, and fulfill legal and regulatory requirements. Therefore, as part of our servicing of your requests, we may obtain certain nonpublic personal information about you. This information includes facts and data that we receive from you, your medical providers, medical field examiners, medical information providers, government agencies, current or past employers, credit agencies and/or other authorized persons on applications, company required forms, feedback forms, client/account information forms, needs analyses, telephone calls, service requests, correspondence, process requests, claim forms and other processing forms; facts and data about your transactions with us, our affiliates or others; and facts and data we receive from consumer reporting agencies.

The information we collect may include:

  • Your name, address, telephone number, email address, date of birth, Social Security number, age, gender, marital status, assets, bank account number(s) and financial statistics;
  • Your medical information, such as your health background and health status; With respect to the information we collect about you:
  • We collect and use the information to the extent needed to conduct our business and to meet our high quality service standards;
  • We restrict access to the information to authorized individuals who need to know this information to provide service and products to you;
  • We maintain appropriate safeguards to protect information about you;
  • We will verify that any persons requesting information about you or your relationship with us is entitled to such information prior to providing it. For example, we may give information to heirs/beneficiaries concerning the existence and amount of life insurance and annuity contracts following receipt of notice of the death of an insured or an annuitant.
  • We do not share nonpublic personal information about you outside our company other than to service your request, or as authorized by you, or as required or permitted by applicable law;
  • We require any organization that provides assistance to us in administering or reinsuring contracts or providing services on our behalf to you to maintain the confidentiality of your nonpublic personal information and not use such information for any other purpose; · We do not allow non-affiliates to offer their products and services to you without your consent; and
  • We only share personally identifiable medical information with affiliates or non-affiliates as may be permitted or required by law, authorized by you, or necessary in connection with the issuance, verification, or administration of the insurance service you requested.

The law does permit us to share information about you with our affiliates, including insurance companies and insurance service providers. The law also permits us to share information about you with companies that perform marketing services for us, or other financial institutions that have joint marketing agreements with us. The information we share with our affiliates or service providers need not be directly related to our transaction with you. If we change our privacy practices, we will provide you notice of all material changes. This privacy notice supersedes all previous notices with respect to matters described herein.

You do not need to do anything as a result of this notice. It is meant to inform you of how we safeguard your nonpublic personal information. You may wish to file this notice with your insurance papers.


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