WHAT INFORMATION IS COLLECTED
We gather and use personal information to provide customers with the insurance products and related services they have requested, or to offer them additional products and services. Most of the information we collect is voluntarily provided directly from our customers. For example, we may collect personal information from applications or other forms completed by customers, and from their transactions with us. We may also collect information from consumer reporting agencies.
When a person requests products or services, we will ask them to provide only the information that enables us to complete the request, to provide better service, or to offer products and services we believe they might be interested in.
The types of information we may ask for depends on the nature of the request. Information that is essential for fulfilling most insurance requests and applications typically includes name, address, e-mail address, phone number, date of birth, financial information, and Social Security number. If an annuity claim includes confinement or terminal illness benefits, we will also ask for certain health information at the time of the claim.
HOW CUSTOMER INFORMATION IS USED
We do not sell information about our customers. We only use customer information in the following ways:
• We use personal and financial information to communicate with our customers and process applications or to provide customers with the products and services they have requested.
• We use transactional information to keep track of and report back to our customers on their dealings with us.
• We use anonymous/non-personal information to improve our services to our customers.
WITH WHOM WE SHARE INFORMATION
We may share information about our customers as follows:
• With authorized employees who have a legitimate business purpose and reason for accessing customer information.
• With outside service suppliers who provide services on our behalf.
• With other parties as required or permitted by law or as authorized by the customer.
HOW WE SAFEGUARD YOUR INFORMATION
We maintain physical, electronic and procedural safeguards to ensure that our customers’ personal and financial information is protected against unauthorized access, disclosure, inappropriate alteration or misuse. We limit access to customer information to people who need access to do their jobs. We also require our service providers to adhere to standards and policies designed to ensure our customers’ information is secure and confidential.
ACCESSING AND AMENDING YOUR INFORMATION
It is important that our customers’ personal information is accurate and complete. Customers may access, verify and amend the information in our files, subject to certain restrictions noted below, by making a request to us in writing (see the Contact Us page on this site). Requests should include the customer’s name, address, telephone number, and policy numbers. We may charge customers the costs we incur in connection with providing copies of information.
To help us keep our customer information up-to-date, we encourage customers to inform us of inaccuracies in their information. If information is verified to be incorrect, we will make the proper changes in our files and provide the customer with a copy of the corrected information. Where appropriate, we will use every reasonable effort to communicate these changes to other parties who may have unintentionally received incorrect information from us.
WEB SITE PRIVACY
When you visit our Web site we do not collect any information that could identify you personally unless you choose to provide it to us. You are welcome to browse our Web site at any time anonymously and privately without revealing any personal or financial information about yourself.
Cookies are non-executable text data sent from a Web server to your computer’s browser. Cookies may be used by our Web site to improve functionality and in some cases, to provide visitors with a customized online experience. Cookies or other information tracking technologies are not used to follow the surfing behavior of our visitors once they leave our Web site. Additionally, tracking information that may be gathered during a visit to this Web site will not be used for promotional purposes. You may be able to set your browser to notify you when you receive a cookie or to prevent cookies from being sent. Please note, however, that, by not accepting cookies, you may limit the functionality we can provide to you when you visit our site.
WEB SITE LINKS
INFORMATION FROM CHILDREN
We do not knowingly solicit information from children and we do not intentionally market our products or services to children.