Our Commitment

We’re committed to protecting the privacy of your personal information. The following notice sets forth our privacy commitment. It also explains why we collect information and how we may use and disclose that information. These practices apply to our current, as well as former, customers.

Why We Collect Information

In order to provide you with insurance products and services we must collect and use certain non-public personal information. We use this information to evaluate your request for our insurance products or services, to evaluate benefit claims, to administer and market our products or services and to process transactions that you request.

The Categories Of Information That We Collect

We collect non-public personal information about you from the following sources: information that we receive from you on applications, claims forms or other forms; information that you provide on our website and information about your transactions with us, our affiliates or others. This information might include your name, address, claims history, policy coverage, premiums, payment history and other information that you provide us.

Information

We may disclose any information we collect about you, our about our former customers, as described above, when it is necessary to conduct our business, or as permitted or required by law. For example, we may disclose information about you to nonaffiliated business partners in order to complete necessary business transactions on your application or claim submission, in order to comply with legal requirements such as tax reporting; in response to subpoenas; to regulatory or law enforcement agencies; for audit or research purposes; to reinsurers and consumer reporting agencies; to protect against fraud; to a medical institution or professional to verify coverage or benefits. In some cases, we may ask an insurance support organization to collect information about you. That organization may disclose information to others for whom it performs services.

We may also disclose information about you to others that perform business services for us. For example, we may disclose information to field associates, companies that provide general administrative services for us, or companies with whom we contract to mail information to you. You may not restrict these disclosures. We may also provide information about you, other than consumer or health information, to our affiliate or affiliates that we may organize or acquire, to other financial institutions with which we have a joint marketing agreement if permitted by law, and to others that assist us in offering our products and services to you.

The Accuracy Of Your Information

We want to ensure that the information we possess is accurate. Generally, upon written request, we will make available for your review the information that we have collected about you. Information collected in connection with, or in anticipation of, any claim or legal proceeding will not be made available. If you notify us that the information is incorrect, we will review it. If we agree, we will correct our records. If we do not agree, you may submit a short statement of dispute, which we will include with any future disclosure of information.

Safeguarding Your Information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

We reserve the right to change these practices. However, if we materially change our privacy practices you will be provided with a new notice setting forth the changes in our practices.