NOTICE OF PRIVACY AND INSURANCE INFORMATION PRACTICES

    As a valued customer of ours, we respect the trust that you have place with us and we continuously strive to earn and maintain that trust. We understand the importance of protecting the confidentiality and security of your nonpublic personal information. We have a long history of protecting our customer’s privacy.

    In order to provide you with top quality insurance and financial products, and with the service you deserve, it is necessary for us to collect nonpublic personal information about you and, in certain situations, to share that information with others. The following notice describes our policies and practices with regard to your nonpublic personal information.

CONFIDENTIALITY AND SECURITY OF YOUR NONPUBLIC PERSONAL INFORMATION

    We maintain appropriate physical, electronic and procedural safeguards to maintain the confidentiality and security of your nonpublic personal information. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.

    We provide training to our employees on the importance of maintaining the confidentiality and security of your nonpublic personal information. Employees who violate our privacy policies are appropriately disciplined.

CATEGORIES OF INFORMATION THAT WE COLLECT

    We collect nonpublic personal information about you from the following sources:

• Information that we receive from you on applications and other forms;
• Information about your transactions with us and our company partners;
• Information that we receive from a consumer protection agency; and
• Information that we receive when you visit us through our web site.

CATEGORIES OF PARTIES TO WHOM WE MAY DISCLOSE INFORMATION

    We may disclose nonpublic personal information about you to the following types of parties.

• Financial services providers such as insurance companies or insurance agents.
• We do not disclose this information to anyone or any agency outside of our firm without your approval at any time except as required by law.
  

    We may disclose all of the information that we collect, as described above, to service providers such as mail fulfillment houses who assist us in marketing our products.

CATEGORIES OF INFORMATION THAT WE DISCLOSE

    We may disclose the following kinds of nonpublic personal information about you :

• Information that we receive from you on applications or other forms, such as your name , address , social security number , assets , income and beneficiaries;
• Information about your transactions with us or others, such as your policy coverage, premiums and payment history;
• Information we receive from consumer reporting agency, such as your creditworthiness and credit history; and
• Information that we collect from your visits to us through our web site, such as your email address.

YOUR RIGHTS TO OPT-OUT OF CERTAIN INFORMATION SHARING

    We do not disclose nonpublic financial information about you to nonaffiliated third parties.

    You do not need to opt out of disclosures to third parties as provided under the law since we do not share your information with any non-affiliates. Your information will only be shared with insurance companies with your permission.

ACCURACY OF YOUR NONPUBLIC PERSONAL INFORMATION THAT WE POSSESS

    We strive to maintain the accuracy of your information. In order to help us maintain accuracy; if you have information in our possession that is inaccurate you may request that we amend or delete the information that you believe to be erroneous. If we concur with your conclusion we will amend or delete the information in question. You may write our privacy officer at the address below to receive our complete policy on accessing and amending your nonpublic personal information.

CHANGES TO OUR NOTICE OF PRIVACY POLICY AND INSURANCE INFORMATION PRACTICES

    We reserve the right to change our privacy policies and insurance information practices. If we make any material changes to our policies or practices, we will provide you with a copy of a revised notice.