Privacy Notice to Our Customers

This Privacy Notice Tells You:

• Why and how we gather your personal information
• How we protect the data we collect
• How we use and disclose the information
• What your consumer and privacy rights are

What We Need to Know About You: We need to know about you so we can provide you with the best insurance information possible and other products and services you have inquired about. We may also need information from you and others to help us verify your identity in order to prevent identity theft, money laundering, and terrorism.

What we need to know about you includes your address, age and other basic information. It may also be necessary for you to provide additional information, including financial and employment information, details on your personal health, hobbies, business you conduct with us, with affiliated companies (our “affiliates”) or with other companies.

How We Learn About Our Customers: We treat what we know about you confidentially. The more we know about our customers, the better we can serve their wants and needs through our organization. Our employees handle our customer’s personal information with the utmost respect for all state and federal laws and privacy concerns. Consumer privacy is our number one concern. Employees may have access to personal information only when there is an absolute necessity and under strict company guidelines and supervisor approval. We make serious efforts to ensure our computer data bases are secure and to safeguard all personal information. We are serious about your privacy.

How We Use and Disclose What We Learn About You: If necessary, we may use anything we know about you to help us better serve you. We may use it, and disclose it to our affiliates and others, for any purpose allowed by law. For instance, we may use your information and disclose it to others, in order to:

• Help us evaluate your request for a product or service
• Help us process claims and other transactions
• Confirm or correct what we know about you
• Help us prevent identity theft, money laundering, terrorism and other crimes by verifying what we know about you
• Help us run our business
• Process data in an efficient manner
• Perform research market research to better serve customers
• Audit our business
• Help us comply with the law

Other reasons we may disclose what we know about you include:
- Complying with a search warrant or subpoena, or other state and federal mandates
- Telling another company what we know about you, if we are or may be selling all or any part of our business or merging with another company

Generally, we will disclose only the information we consider reasonably necessary to disclose.

We may use what we know about you in order to offer you our other products and services. We may disclose this information (other than consumer reports and health information) to our affiliates so that they can offer their products and services, or ours, to you. By law, we don’t have to let you prevent these disclosures. Our affiliates include life, car and home insurers, securities firms, broker-dealers, banks, a legal plans company and financial advisors. In the future, we may have affiliates in other businesses.

We may provide information to others outside of our affiliate companies, such as marketing companies. If we have joint marketing agreements with other companies, we may give them information about you so that they can offer their products and services to you; however, we cannot do this if the state law that applies to you does not allow it. Except for joint marketing arrangements, we do not make any other disclosures of your information to a catalog company. And we will not disclose any consumer report or health information to other companies so that they can offer their products and services, or ours, to you.

How Can You See and Correct Your Information: Generally, we will let you review what we know about you if you ask us in writing. (Because of its legal sensitivity, we will not show you anything that we learned in connection with a claim or lawsuit.) If you tell us what we know about you is incorrect, we will review it. If we agree with you, we will correct our records. If we do not agree with you, you may tell us in writing, and we will include your statement when you give your information to anyone other than our affiliated companies.

How You Can Get Other Material from Us: In addition to any other privacy notice we may give you, we must give you a summary of our privacy policy once a year. You may have other rights under the law. If you wish to know more about our privacy policy, please call us at 1-866-910-5323.