The privacy of our customers and members is important to us and we are committed to its protection. We have a tradition of respecting your right to keep personal information private and avoid unwanted solicitations. We have developed this privacy policy to inform you of how we handle your personal information in compliance with federal and state laws.

1. In order to serve your needs and in order to comply with legal and regulatory requirements, we may need to collect certain nonpublic personal information about you. This information varies depending on the products or services you request from us, but may include:
   • Information we receive from you on insurance applications or other forms (such as name, address, social security number, date of birth, drivers license number, gender, marital status and financial and health information);
   • Information about your transactions with us, our affiliates, or others (including payment history or account balances);
   • Information we receive from a consumer reporting agency (such as credit relationships and history); and
   • Information you authorize us to collect (such as health information for underwriting purposes).
2. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. We do not sell your personal information to third parties.
3. We may need to share the previously described information with our affiliates in order to provide necessary services for your products or account or to tell you about other products or services offered by the companies within our organization that we believe you may find useful.
4. We restrict access to nonpublic personal information about you described above to those employees, independent contracting agents, and other affiliated entities or individuals who need to know that information to provide products or services to you. Their right to further disclose and use that information is limited by our employee conduct rules, applicable law and nondisclosure agreements where appropriate. We maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to guard your nonpublic personal information.