OUR PRIVACY PLEDGE:
INFORMATION WE COLLECT:
We may collect personal information about you from a variety of sources. A great deal of the information we collect, such as your name, address, birth date, phone number, medical and health history, medical treatment, personal property descriptions and related matters comes from you during the application and/or claim submission process. We may collect information about you to properly underwrite and review your application, and/or to properly investigate, administer, and resolve any claims for benefits; and, we may contact you by telephone, fax, mail or e-mail for additional information. We also may collect personal information about you from third parties, such as government entities and/or regulators, medical providers and other health-related sources and possibly from consumer reporting agencies. The information we collect can include such things as information concerning your previous insurance coverage and policies, your employment status, credit card information, your claims and medical history and your credit history.
INFORMATION WE DISCLOSE TO THIRD PARTIES:
We do not disclose personal information about you to third parties for their own marketing purposes or to contact you about their own products or services. We share personal information about you with third parties (that is, people and companies that are not affiliated with us) only as appropriate or necessary to provide you with our products and services and as otherwise permitted by law. For example, we may disclose your personal information as appropriate or necessary to service your policy and to administer and provide you with benefits in accordance with the terms and provisions thereof; to investigate, administer and pay or deny or otherwise resolve claims; to comply with state and federal regulatory requests or demands; and to process other transactions that you request.
Persons and other third parties to whom we may make such disclosures may include persons who perform a business function for us, insurance regulators and/or law-enforcement authorities, insurance carriers, preferred provider organizations, reinsurers, insurance and claim adjusters, insurance premium auditors, attorneys who are retained by us or by them, and persons requesting information pursuant to subpoena or court order.
INFORMATION CONFIDENTIALITY AND SECURITY:
We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic and procedural safeguards to guard your nonpublic personal information.
P.O. Box 3579
Silver Spring, Maryland 20918