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Types of Nonpublic Personal Information We Receive

In order to provide insurance products and services to you, we collect the following types of nonpublic personal information about you from the following sources:

·         Information we receive from you on applications or other forms you submit to us;

·         Information about your transactions with us, our agents or affiliates, or others;

·         Information we receive from organizations that collect and provide personal data used for underwriting and rating the insurance product(s) which you applied for or which we may offer to you;

·         Information we receive from medical providers, if needed to assist us, or agents, or affiliates in underwriting a policy or administering a claim;

·         Information we receive from consumer reporting agencies. 

Types of Nonpublic Personal Information We May Disclose

We May Disclose as Permitted by law the following kinds of nonpublic personal information about you:

·         Information we receive from you on applications or other forms you submit to us;

·         Information about your transactions with us, our agents or affiliates, or others such as policy dates, coverage, premiums, and payment and claims history;

·         Information we receive from organizations that collects and provide personal data used for underwriting and rating  the insurance product(s) which you applied for or which we may offer you;

·         Information we receive from medical providers, if needed to assist us, our agents, or affiliates in underwriting a policy or administering a claim;

·         Information we receive from motor vehicle reporting agencies; and

·         Information we receive from consumer reporting agencies.

Insurance Information and Privacy Protection Act Disclosures

When you apply for insurance through us, you may receive certain notices regarding information practices that advise you of your rights concerning the underwriting investigation practice of the company through which you may receive insurance.

Fair Credit Reporting Act Disclosures

If we order a consumer report about you from a consumer-reporting agency, we will, upon your request, tell you how to get a copy of that report.  If coverage is declined or premiums increased because of information contained in a consumer report, we will inform you as required by law.

Policies And Practices Used to Protect Your Nonpublic Personal Information

We may retain records relating to products or services provided to you so that we are better able to assist you with your insurance needs.  We restrict access to nonpublic personal information about you to those agents, affiliates, or employees who need to know that information to provide insurance products or services to you.  We maintain physical, electronic and procedural safeguards that comply with applicable federal regulations to guard your nonpublic personal information.

Your privacy is very important to us.  We are strongly committed to protecting your nonpublic personal information in accordance with applicable law.