This Privacy Notice describes our practices for safeguarding personal information about the individuals who own or apply for our financial products or services primary for personal, family or household purposes.

Protecting Your Privacy

We take great care to properly handle information about you.  This notice describes how we handle personal information and out commitment to protecting your privacy.

I.  We Safeguard the Information We Collect About You

We follow strict security standards and procedures to help prevent unauthorized access to personal information.  Only properly authorized employees may access information we collect from or about you.  We regularly test our technology and employ multiple procedures to protect the confidentiality of information about you.  We apply rigorous standards for protecting personal information to all our interactions with you, including those conducted via the Internet.

II.  How We Collect Information

We may collect information about you from the following sources:

A.  Information we obtain during the application or enrollment process.  You may provide information as part of the application or enrollment process, such as your name; address; Social Security number; financial information; and, when applicable, health history.

B.  Information we obtain from third parties.  This type of information may include such things as claim reports, medical reports, and similar information.

III.  How We Share Information

A.  With Our Affiliates

We may share the information we collect about you and former customers plan participants and beneficiaries, with our affiliates for a variety of purposes including to assist in providing services and account maintenance.

B.  With Third Parties

We may share the information we collect about you or your plan participants in response to a subpoena, to prevent fraud, to comply with an inquiry by a government agency or other regulator, or as necessary for other legal purposes.  We do not disclose information about former customers; plan participants or beneficiaries to third parties except as may be legally required.

We may disclose information to third party service providers hat perform services for us in the processing or servicing or your account.

C.  Medical Information

We do not share medical information with affiliates or with third parties, for any purpose other than for providing and servicing your policies, accounts, claims or contracts; as allowed by the relevant laws protecting your privacy; or in circumstances where you consent.

IV.  Accuracy of Information

We strive to keep our records accurate and will make appropriate corrections when you notify us.  Please let us know if there is incorrect information in any statement or other communications that you receive from us.

The term "third party" refers to any entity that is not an affiliate of National Benefits, Inc.

Receipt of this Notice does not constitute our acceptance of an applications for any product or service.

We may modify our privacy practices occasionally.  If we do so, we will communicate any material changes to you as required by law.

Your agent, broker, registered representative, consultant, or advisor may have a different privacy policy.