We collect and keep information about you, which is needed to provide the products and services you request. This information is collected either directly or through our Associate Representatives. We may also provide the basic information to a third party medical service company so they may contact you to arrange any underwriting requirements. These requirements are sent directly to private labs and the insurance companies who will underwrite your application. We do not receive or maintain any copies of this medical information. We will maintain an internal database on our server to record underwriting follow up, conversations we may have concerning your application and future notes as they pertain to policy service. This information is located in a locked and secure section of our office. We may also access information concerning your insurance policies and investments directly with the Insurance Companies and Investment Companies to provide service to either you or your designated Associate Representative.
If your Associate Representative requests information concerning the status of your insurance policies or information on coverage amounts, beneficiary designations or any values this information will be provided unless another Associate Representative is appointed and has obtained a signed release from you.
We may also use your information internally, to prepare statistical reports to help us understand the needs of our Customers and Associate Representatives.
The Insurance or Investment Company you have applied to will have similar privacy policies with the exception that they will keep copies of your application and all information obtained to underwrite your application This information may include medical and financial data that is used to make an underwriting decision, or to process claims in the case of Insurance applications. Investment companies will keep copies of any financial data you have supplied.
The Associate Advisor who is submitting this application on your behalf will also be required to maintain files which will include copies of your applications and any presentations they have used to assist in the transaction
Your right to access your information
You have a right to access the personal information that we, the Insurance company , the Investment company and the Associate Advisor have about you in your file. If any of them have information that is not correct, you can have it corrected.