How We Obtain Information
We obtain most of the information we need directly from you on your application or other forms that you complete or from those you have authorized to provide information to us in connection with providing you insurance or administering claims. We also obtain information in the course of processing, recording and/or investigating your transactions with us. We may also obtain information from credit reporting agencies.
Information We May Collect
The type of information we obtain depends on the type of insurance product or service we are providing. The type of information we may obtain falls into the following general categories:
- Information that we receive from you on applications and other forms;
- Information about your transactions with us, our affiliates or others;
- Information we receive from a consumer reporting agency; and
- Information we receive as the result of investigations and/or audits that we may perform.
Information that we may disclose
Examples of disclosures permitted by law include, but are not limited to, disclosures to organizations, including our affiliated companies and/or companies that provide claims administration, underwriting, investigation or policyholder services for us or on our behalf, and disclosures you have authorized us to make. We do not disclose any non-public personal information about our customers or former customers to anyone, except as permitted by law.
Independent Sales Agents
The sales agents who represent us are independent, and your independent sales agent may gather and retain customer information, financial information and/or health information about you. The use and protection of that information by your independent sales agent is your independent sales agent’s responsibility. If you have questions about whether or how your independent sales agent uses or discloses such information, please contact your independent sales agent.
Accuracy of Your Nonpublic Personal Information that We Possess
We strive to maintain the accuracy of your information. In order to help us maintain accuracy; you have the right to reasonably access your information. If you believe any of your information in our possession is inaccurate, you may request that we amend or delete the information that you believe to be erroneous. If we concur with your conclusion, we will amend or delete the information in question.
We Protect the Confidentiality and Security of Nonpublic Personal Information
We restrict access to nonpublic personal information about you and those who need to know that information in order to provide you with our insurance products, services relating to claims administration, underwriting, investigation or policyholder services. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.