Information Collected - We may collect nonpublic personal information about policyowners from the following sources:

• Information we receive from policyowners through our affiliates or subsidiaries, producers or other individuals, on applications, forms, or interviews, such as salary information or health history; and identifying information, such as name, address and social security number;
• Information about policyowners' transactions with us, our affiliates or others, such as information about insurance premium payments, claims history, etc.; and
• Information received from a consumer reporting agency, such as creditworthiness and credit history, motor vehicle driving record report, or medical providers.

Disclosure Policy
Financial Information - We do not disclose, nor wish to reserve the right to disclose, nonpublic personal financial information about policyowners to nonaffiliated third parties, except as permitted by law. The protection of policyowners' personal nonpublic financial information is very important to us and we are committed to protecting such information.
Health Information - We do not disclose nonpublic personal health information other than as permitted by law unless a policyowner specifically authorizes us in writing in advance to release such information. The protection of policyowners' health information is very important to us.

• Former customers - We do not disclose, nor wish to reserve the right to disclose, nonpublic personal information about former customers except as permitted by law.
• Service Providers/Joint Marketing Agreements - We may disclose as permitted by law all or some of the information we collect as described above to companies that perform services on our behalf such as underwriting activities, claims adjudication, preferred provider organizations, pre-certification organizations, or marketing services conducted by third-party administrators or consultants or to other insurance companies with whom we may enter into joint marketing agreements. The agreements prohibit the third party from disclosing or using the information other than to carry out the function on our behalf for which the information was collected by them or disclosed to them.
• Fair Credit Reporting Act - We do not disclose information obtained in a consumer report we may receive from an independent consumer reporting agency with others related to us by common ownership or affiliated with us by corporate control except as permitted by law, pursuant to the federal Fair Credit Reporting Act.

Access to Confidential Information - We restrict access to nonpublic personal information about policyowners to those employees who need to know that information for a business purpose to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with requirements to guard your nonpublic personal information. We maintain policies about the proper physical security of workplaces and records.