Privacy Policy

Your privacy is important to us So we've developed a Privacy Policy that covers how we collect, use, disclose, transfer, and store your information. Please take a moment to familiarize yourself with our privacy policy and let us know if you have any questions. The examples in this Privacy Policy are illustrative only and are not intended to be exclusive.

What types of information does we collect about you and from whom?

For each visitor to our Web pages, our Web server automatically recognizes the visitor's domain name and e-mail address (where possible). We collect the domain name and e-mail address (where possible) of visitors to our Web page, the e-mail addresses of those who communicate with us via e-mail, aggregate information on what pages internet users access or visit, user-specific information on what pages internet users access or visit, and information volunteered by persons visiting our Web pages, such as survey information and/or site registrations.

We collect information typed into the submission fields on forms contained on our Web pages, and will use that information to establish contact via email, telephone or mail based upon the information typed in the submission fields. By entering information in the submission fields you consent to such contact but you will have the opportunity to opt out of any such contact.

The information described above that we collect is used to contact and do business with you and improve the content of our Web pages, and is not shared with other organizations for commercial purposes.

In addition to the above, we may also obtain information about you directly from you, from applications, contracts, documents and forms you complete or sign, or in telephone conversations with you. We may obtain additional information about you or, with your authorization, others who may have an interest in your insurance policy, annuity contract or primary residence, from additional sources, including your insurance company, insurance producer, health care providers, creditors, credit reporting agencies, and your representatives or advisors. We may also obtain information about you from public records and, with your authorization, other persons. From time-to-time our Web pages or mailings may request information via surveys or contests. Participation in these surveys or contests is completely voluntary and you may choose whether or not to participate and therefore disclose this information.

What types of nonpublic information may we obtain about you?

Personal information, such as your name, address, social security number, driver's license number, occupation and employer; Financial information, such as assets, income, credit history, banking information and account numbers; Legal information, such as judgments, liens, bankruptcies, divorces, probate, and other civil and criminal court proceedings; Other identifying information, such as birth date, telephone and fax numbers, and email, street, and mailing addresses; Insurance or annuity policy information, including the policy terms, conditions and limits, the named beneficiaries, and your premiums and payment history; and Medical information, such as your current health status and prior health care treatments.

How is the information about you shared or disclosed?

We are the sole owner of the information collected on its Web pages. We will not rent or sell your nonpublic personal information to anyone without first obtaining your consent. However, we will disclose your information if we are required or permitted by law to do so. As permitted by law or with your authorization, we will share your nonpublic personal information with companies that provide services for us related to a transaction you request and under the following additional circumstances: (i) to establish or exercise our legal rights or defend against legal claims; (ii) in connection with a proposed or actual assignment, sale, merger, transfer, exchange or consolidation of us or any portion of its business; rights or assets; (iii) to secure services and advice from our attorneys, accountants and auditors; or (iv) to permit our affiliates to contact you about other products and services offered by us.

How is the information about you kept confidential and secure?

Subject to our policies on sharing and disclosure of your information as described above, we restrict access to the nonpublic personal information we receive about you, and only our employees have access to your information. We maintain physical, electronic and procedural safeguards that comply with legal standards to guard your nonpublic personal information against unauthorized access or use. Third parties to whom we disclose your nonpublic personal information are obligated to maintain your privacy under confidentiality agreements and do not have any independent right to use your information.

Maintaining the accuracy of your information is a shared responsibility. We maintain the integrity of the information you provide us and will update your records when you notify us of a change. Please contact us at the address or phone number listed below when information concerning you changes.

Are Our Web Pages Linked to Other Websites?

Our web pages may be linked to other web pages, including web pages owned or maintained by third parties. Because we cannot control the content of sites linking to or from its Web pages, it is not responsible, nor can it make representations to the content of those websites or their individual privacy policies. You should consult those web sites for their privacy policies.

Does We Use "Cookies"?

We use "cookies" on its Web pages and on other web pages that may be linked to its Web pages. A cookie is a piece of data stored on a site visitor's hard drive to help improve the visitor's access to a web site and identify repeat visitors to the site. With them a web site owner can determine the number of unique users accessing the various pages on the site and improve flow and content. For instance, Cookies can enable us to track and target the interests of our users to enhance the experience on our Web pages. Usage of a cookie is in no way linked to any personally identifiable information on our site. Cookies may be sent to your browser from our Web pages in order to provide you with better service when you return to our website.

Updates to Our Privacy Policy

From time to time, we may use customer information for new, unanticipated uses not previously disclosed in our privacy notice, or otherwise change our Privacy Policy. If our information practices change at some time in the future we will post the policy changes to our Web pages to notify you of these changes and provide you with the ability to opt out of these new uses. If you are concerned about how your information is used, you should check back at our Web site periodically.

We do not provide site visitors with access to any information that we have collected and that we maintain about them.

DISCLAIMER

Nothing contained herein is intended to convey any legal, tax, financial or other advice. You should consult your own attorney, accountant or other advisor for such advice. While the information provided on this web site is believed to be correct, we do not warrant the correctness of any information. Nothing contained on this web site is intended to be an offer to purchase any asset or a representation that any particular asset will be purchased by us.