Privacy Statement
We respect your privacy rights and the confidentiality of your Personal Information.

Notice of Our Information Privacy Policies and Practices

This notice reviews our policies and practices regarding our disclosure of your and your dependents’ nonpublic personal information (NPI), which we collect and maintain as described below. Please read it carefully. We want you and your dependents to understand that we may disclose your NPI to our affiliates and to third parties that are not affiliated with us.

How we protect information: Except as explained below, we restrict access to your NPI to our employees who need to know to provide our products and services to you. We maintain physical, electronic, and procedural safeguards to protect NPI against unauthorized access and use. These safeguards that protect against unauthorized access and use apply regardless of whether you are a current, former or prospective customer.

Information we collect: We collect NPI about you and your dependents in order to provide you illustrations, products and services you have requested. Examples of the sources and types of information we may collect include:

· Information we receive from you on applications or other forms. Examples of this information include name, address, Social Security number, date of birth, dependent information, employment information, prior claim and medical information;

· Information we obtain from your transactions with us, our affiliates or others, such as health care providers, other insurers, third-party administrators, vendors, consultants, and government authorities. Examples of this information include health care claims, property-casualty claims, life claims, medical history, eligibility information, payment information, coordination of benefits information, and appeal information:

· Information we receive from consumer reporting agencies.

Information we may disclose: We disclose or reserve the right to disclose NPI we collect and maintain about you.

Companies to whom we may disclose information: We disclose or reserve the right to disclose the NPI that we collect about you and your dependents to our affiliates and to nonaffiliated third parties as permitted by law, such as parties involved in the following types of businesses or relationships:

· Insurance and other financial service providers, such as life insurers, workers’ compensation insurers, automobile liability insurers, other insurers, third-party administrators, insurance brokers;

· Non-financial companies, such as health care providers (doctors, dentists, pharmacies, hospitals), consultants, and government authorities.

Companies that provide services or market for us: We may disclose your NPI to the following categories of nonaffiliated third parties with which we contract to perform functions or services, such as marketing, on our behalf:

· Insurance brokers, information bureaus databases and companies.

Changes to our Notice of our Information Privacy Policies and Practices: We reserve the right to modify or supplement this Notice of our Information Privacy Policies and Practices at any time. If we make material changes, we will provide current insured customers with a revised notice.

This notice is being provided on behalf of the following affiliates:

· Bechtel Insurance Agency

· Schwall Insurance Agency

· The Surety Agencies