We collect and use Information for business purposes with respect to our insurance and other business relationships involving the Individual. These business purposes include evaluating a request for our insurance or other products or services, evaluating benefit claims, administering our products or services, and processing transactions requested by an Individual. We may also use Information to offer Individuals other products or services we provide.
We get most Information directly from an Individual. The Information that an Individual gives us when applying for our products or services generally provides the Information we need. If we need to verify Information or need additional Information, we may obtain Information from third parties such as adult family members, employers, other insurers, consumer reporting agencies, physicians, hospitals and other medical personnel. Information collected may relate to an Individual's finances, employment, health, avocations or other personal characteristics as well as transactions with us or with others, including our affiliates.
We treat Information in a confidential manner. Our employees are required to protect the confidentiality of Information. Employees may access Information only when there is an appropriate reason to do so, such as to administer or offer our products or services. We also maintain physical, electronic and procedural safeguards to protect Information; these safeguards comply with all applicable laws. Employees are required to comply with our established policies.
We may disclose any Information when we believe it necessary for the conduct of our business, or where disclosure is required by law. For example, Information may be disclosed to others to enable them to provide business services for us, such as helping us to evaluate requests for insurance or benefits, performing general administrative activities for us, and assisting us in processing a transaction requested by an Individual. Information may also be disclosed for audit or research purposes; or to law enforcement and regulatory agencies, for example, to help us prevent fraud. Information may be disclosed to companies that process data for us, companies that provide general administrative services for us, other insurers, and consumer reporting agencies. We may make other disclosures of Information as permitted by law.
We do not make disclosures of Information to other companies who may want to sell their products or services to Individuals. For example, we will not sell an Individual's name to a catalog company.
Generally, upon written request of the Individual, we will make available Information for review. Information collected in connection with, or in anticipation of, any claim or legal proceeding will not be made available. If the Individual notifies us that the Information is incorrect, we will review it. If we agree, we will correct our records. If we do not agree, the Individual may submit a short statement of dispute, which we will include in any future disclosure of Information.
For Additional Details regarding how and why we collect information regarding Individuals, click here.
For Frequently Asked Questions and Answers (FAQs) about our privacy policies, click here.