2345 Waukegan Road, Suite 210
Bannockburn, Illinois 60015

Protecting the privacy of information about our customers is important. This notice tells you how we treat information about our customers.  We treat information about our former customers the same as we treat information about our current customers. We do not sell information about our customers.

HOW WE COLLECT INFORMATION ABOUT YOU

We get most of the information we need from customer applications and other forms. If a customer authorizes it, we may get information from other sources. For example, when a person applies for life insurance we may ask for permission to get information from

• Insurance support organizations such as the Medical Information Bureau and
• Consumer reporting agencies.

We also get information as we process customer transactions. The information we may have includes

Identifying information such as

• Name,
• Address,
• Telephone Number,
• Demographic Data;

Financial Information such as

• Credit History,
• Income,
• Assets,
• Other Insurance Products; and

Health Information such as

• Medical history and
• Other factors affecting insurability

HOW WE USE THE INFORMATION WE COLLECT

We use the information for business and marketing purposes, such as

• Processing applications, claims, and transactions,
• Servicing your business, and
• Offering you additional products and services.

HOW WE SHARE INFORMATION ABOUT YOU

We share information about you with affiliates (including those listed below) and others who provide services to help us process or administer our business. For example, we may share information with others who

• Print our customer statements,
• Help us underwrite life insurance applications,
• Help us process claims, and
• Conduct surveys, analyze information, or help us market our products to you.

We require that companies limit their use of the information we share and keep it confidential. Your information will not be sold to third parties for marketing purposes.

HOW WE PROTECT YOUR PERSONAL INFORMATION

We maintain physical, electronic and procedural safeguards to protect your personal information. Access to customer information is limited to people who need access to it in order to do their jobs.

ADDITIONAL INFORMATION

We will not share information with anyone else unless we have your permission, or we are allowed or required by law to disclose it.

You should know that your insurance sales agent is independent. The use and security of information an agent gets is his or her responsibility. Please contact your agent if you have questions about his or her privacy policy.

We have the right to change our Privacy Policy. If we make a material change to our Privacy Policy, we will notify you before we put it into effect.

QUESTIONS?

If you have questions about our privacy policy, please contact us at