Privacy Statement

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Our Consumer Privacy Policy is provided to help you understand how we protect your financial, personal and operational privacy. We care about your privacy. We believe you have a right to know what we do with the information we gather about you in connection with products you seek or have from us. We also want to assure you that we are safeguarding this important information. Our privacy policy is based on the laws governing privacy and on our own high standards of protecting privacy.

Brief Summary

• We protect your non-public personal information, non-public financial information and your non-public health information (together called NPI).

• We do not sell your NPI.

• We do not share your NPI with companies that would use the information to market their own products or services to you.

• We do not offer an opportunity for you to “opt-out of” information sharing since we only share personal information with others as allowed by law.

Detailed Summary

We need NPI about you so that we can determine your current lifestyle and expenses to better offer products and services to meet your specific needs at a fair price.

We collect NPI about you from different sources including:

• Applications or other forms you complete;

• Written, electronic, telephone, and other communications from you;

• Third parties that provide NPI to us with your authorization;

• Your business dealings with us and others; and

• Consumer reporting agencies; governmental agencies; health care providers; and others.

We will share your NPI only with authorized employees, representatives and trusted third parties whose services are required to assure the highest level of service to you and to make our products available to you. Examples of third parties include third party administrative staff, reinsurers, agents and brokers which market on our behalf, financial institutions, securities broker-dealers, and insurance producers, but only to make our products and services available to you. We will not disclose NPI about you or about other customers or former customers, except as authorized by law, as described in this privacy statement or otherwise communicated with you.

Examples of the types of NPI we collect which may be disclosed for the foregoing purposes include:

• NPI from your application or other forms, such as: your name; address; social security number; assets; income; and beneficiaries;

• NPI about your transactions with others, such as: your premiums; and payment history;

• Information from consumer reporting agencies, such as your creditworthiness and credit history.

Important Note: Your NPI will not be shared with third parties that would use your information to market their own products or services or those of unaffiliated third parties.

Disclosures of NPI are also permitted without your authorization for some purposes. These include:

• To agents, support organizations, and others to: perform marketing or services on our behalf; or to detect or prevent criminal activity, fraud, or material non-disclosure in connection with transactions;

• To a law enforcement or other governmental agency pursuant to law;

• As otherwise permitted or required by law;

• In response to a facially valid administrative or judicial order, including subpoena;

• As part of a proposed or consummated sale, transfer, merger, or consolidation of all parts of our business;

• To an assignee of a policy under the terms of the assignment

When state law is more protective of individuals than federal privacy laws, we will protect your NPI in accordance with state law, consistent with the requirements of federal preemption.

You have the right to view and correct any NPI we may collect about you. If you believe any information we have collected about you is wrong, we would welcome your help in making corrections. Please contact us as shown below if you wish to view or correct this information.

We will protect your NPI. Information security is one of our highest priorities and is taken into account in the contracts and agreements that we sign with unaffiliated third parties. We will restrict access to your NPI by maintaining physical, electronic and procedural safeguards. The only employees who are authorized to access your NPI are those who need to have it to provide products and services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to protect personal information and we regularly review our security measures and procedures to protect against unauthorized access to personal information.

This policy statement may be changed at any time. We will notify you if we make any changes in this policy statement which broaden when we may share your NPI.

Above all, we value your trust and your confidence in our ability to manage and protect your NPI. You have our word that we will protect your NPI as if it were our own.

If we provide more than one financial product or service to you, you may receive more than one privacy statement from us. We do this in order to ensure that you receive a notice of our privacy practices.

We will continue to limit disclosure of your NPI even if your relationship with us ends. This will be done in accordance with our privacy policy.

If you have any questions or concerns about our privacy policy or would like a more detailed explanation  of our privacy practices, please contact us through the way listed below. Please include your name and policy number.