We do not sell information about our customers. We maintain physical, electronic and procedural safeguards to protect our customer's information. Access to customer information is limited to people who need access to do their jobs.

We get most of the information we need from customer applications and any other forms. If a customer authorizes it, we may get information from others. For example, when a person applies for life insurance we may ask for permission to get information from
· Insurance support organizations such as the Medical Information Bureau
· Consumer reporting agencies

We also get information as we process customer Transactions. The information we may have Includes:
INFORMATION such as:
· Name
· Address
· Telephone Number
· Demographic Data

FINANCIAL INFORMATION such as:
· Credit History
· Income
· Assets
· Other Insurance Products

We share the information with others who provide services to help us process or administer our business. For example, we may share information with:
· medical examiners who help us underwrite life insurance applications
· service providers who help us process claims

We require that our service providers limit their use of the information and keep it confidential. We will not share information with anyone else unless:
· we have the customer’s permission
· we are allowed or required by law to disclose it

We have the right to change our Privacy Policy. If we make a material change to our Privacy Policy, we will notify you before we put it into effect.