Privacy Policy

We take pride in guarding your privacy. We are committed to protecting the privacy and security of your personal and financial data. We provide products and services that involve private and sensitive data, and guarding and keeping it safe is vital to us.  This notice explains our data policies and practices.  First, we want you to know how we collect, store and protect your and all former customers data.  Second, we want to inform you about our data sharing policies.  We do this because you are a valued customer.

We collect only the minimum data required to deliver products and services to you. The data we collect varies with the type of product you request and may include:

	Application Data - Data you give us or the insurers we represent.  The data may change depending upon the type of policy you purchase.  Examples are your assets, income, social security number, medical records, family data, address, employer(s), and account or policy data, etc.
	Employer Data - Data from your employer, benefit plan sponsor, etc. on any group products we may provide.  Examples are your name, address, income, medical records, family data, job description and social security number(s), etc.
	Transaction and Experience Data - Data about your contacts with our business partners and us. Examples are payment history, beneficiary changes, ownership changes, medical or dental or vision claims, disability claims, long term care claims, etc.
	Third Parties - Physical Examination services, Doctors / Dentists regarding claim resolution, etc.

We limit how, when and where we share your data.

	First -  We do not sell your personal, medical or financial data to anybody.
	Second - We do not share your medical data for any purpose other than to complete a matter requested by you or if the law allows or requires it.
	Third - We do not share personal or financial data with anyone unless allowed or required by law or with your permission.

We share only the minimum data necessary to complete the matter or service. We may disclose all the data described above. All service personnel and licensed agents in our office are authorized to assist with your account or process your requests.  Examples of when we may share data include:

	Service your account or policy such as ID cards, billing and payment data, etc.
	Establish eligibility for benefits, process or research a claim.
	Process a request by you such as adding or deleting a spouse or child, changing coverage levels, changing beneficiaries, etc.
	Protect your account or policy from fraud or theft.
	Underwrite a policy or obtaining quotes for coverage.
	Perform business functions for our agency.