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Privacy Policy
When you provide information on this site, you are providing that information to Spectrum Direct, Liberty Life and Garden State Life insurance company. Use of this information you supply will be restricted as disclosed in the Privacy Policies below. Spectrum Direct, Liberty Life Insurance Company and Garden State Life Insurance Company are individually responsible for the terms outlined in their respective policies.
PRIVACY NOTICE of
Liberty Life Insurance Company
Effective 8/1/05
In just a few short years, the Internet has revolutionized the way we do business. It allows us to interact with you personally across time and space to offer information and additional value, to listen to your opinions and to provide a host of insurance, banking and financial services that you can access from the convenience of your home or office. At the same time, it also brings legitimate concerns about privacy and security.
At Liberty Life Insurance Company, an RBC company, safeguarding your confidentiality and protecting your personal and financial information is fundamental to the way we do business. In fact, it is one of our highest priorities and remains the cornerstone of our commitment to you. We are dedicated to meeting or exceeding the privacy standards established by federal and state regulations and industry bodies. All of our information handling practices comply with federal and state laws including the Gramm-Leach-Bliley and Fair Credit Reporting Acts, which are designed to protect the privacy of American consumers.
However you choose to provide information to us, we use rigorous security safeguards to ensure your personal and financial information is protected. We are also committed to informing our customers about our privacy policies and information handling practices. On an annual basis, these policies will be outlined in a disclosure notice that describes what information is collected, how it is used and shared, how it is protected, and what choices you have with respect to sharing your personal information.
You are invited to visit this privacy site periodically to review our privacy policies and the steps we have taken to ensure the appropriate handling of your personal and financial information. Since these policies and practices may change from time to time, we ask that you make note of the Effective Date at the top of the page when visiting the site.
What is an RBC Company?
RBC is comprised of Royal Bank of Canada and its subsidiaries. Worldwide, RBC serves more than 10 million personal, business, and public sector clients with a comprehensive portfolio of financial products and services. RBC also has a large retail banking network in Canada, the Caribbean and an increasing presence in the United States.
RBC provides corporate and investment banking, trade finance, correspondent banking, treasury and securities custody services to business customers internationally. Our Global Private Banking business, which serves individuals and families through a worldwide network of offices, has been rated among the best anywhere.
RBC has long been active in the United States, providing corporate and investment banking services, global private banking and other financial services to companies and individuals. Recently, we have enhanced our presence in the American market through a series of selected acquisitions, alliances and investments. Our goal is to be among the leading North American financial institutions. Moving forward, we will be announcing further investments designed to create a powerful and integrated financial services network to serve individuals and businesses across North America.
RBC includes the following U.S. organizations:
- Business Men’s Assurance Company of America
- Liberty Life Insurance Company
- The Liberty Marketing Corporation
- RBC Centura Bank
- RBC Dain Rauscher Corporation
- Royal Bank of Canada's offices in the United States
What Information is collected?
At Liberty Life Insurance Company, we gather and use personal information to provide you with the insurance products and related services you have requested, or to offer you additional products and services. Most of the information we collect is voluntarily provided directly from you. For example, we may collect personal information from applications or other forms completed by you, and from your transactions with us. We may also collect information from consumer reporting agencies.
When you request products or services, we will ask you to provide only the information that enables us to complete your request, to provide better service or to offer you products and services we believe you might be interested in.
The types of information we may ask for depends on the nature of your request. Information that is essential for fulfilling most insurance requests and applications typically includes your name, mailing address, e-mail address, phone number(s), and Social Security Number. In the case of insurance products and services, we may also collect medical and health information from you (for example, information related to your past or present physical health or condition) or from others (for example, your health care provider) to determine your eligibility for the insurance. However, we will only collect such medical and health information with your consent.
When you visit our Web site we do not collect any information that could identify you personally unless you choose to provide it to us. You are welcome to browse our Web site at any time anonymously and privately without revealing any personal or financial information about yourself.
All the information you provide to us is securely maintained and kept strictly confidential.
Types of Information We Collect
At Liberty Life Insurance Company, we collect personal information and anonymous/non-personal information.
Personal Information
Personal information is information that refers to you specifically. The type of personal information we usually collect and maintain in your customer file may include your:
- Personal Customers
- Name
- Mailing Address
- E-mail Address
- Telephone Number
- Social Security Number
- Date of Birth
- Place of Employment
- Annual Income
- Credit History
- Transaction History
- Health Information
For business customers, information may include:
- Business Customers
- Business Name
- Business Address
- Business Telephone Number
- Name(s) of Owner(s), Officer(s) and Director(s)
- Industry Type
- Financial Status
The choice to provide us with personal information is always yours. In dealings involving insurance and related financial services, however, your decision to withhold particular details may limit or prevent us from providing the products or services you have asked for. It may also make it more difficult for us to advise you or suggest appropriate alternatives.
Different activities will call for various levels of information. If we are unable to accommodate your request based on the information that has been provided, we may ask for additional details in order to identify other ways we can be of assistance. Occasionally we may also maintain a file containing contact history that is used for customer inquiry purposes.
Anonymous/Non-Personal Information
At Liberty Life Insurance Company, we routinely collect anonymous/non-personal information. Anonymous/non-personal information is information that cannot be associated with or traced back to a specific individual or business entity. For example, our Web servers collect some anonymous/non-personal information automatically when you visit our Web site. Gathered electronically, this information might include the pages you visited, the type of Web browser you are using, the level of encryption your browser supports and your Internet Protocol Address. The anonymous/non-personal information we collect may be used for research and analytical purposes. For example, we are able to determine how many times our online privacy policy has been visited but we do not know any specific information about those visitors.
To help us better understand our markets, we may also gather information for analytical purposes by conducting anonymous customer surveys.
Information Required to Provide Common Services
At Liberty Life Insurance Company, the type of information you will be asked to provide will vary according to your activity or request:
- Insurance Products and Services
- Browsing Our Web Sites
- Finding a Liberty Life Office Near You
Insurance Products and Services
Liberty Life Insurance Company offers a wide range of insurance products and related services. To obtain these products and services, you'll be asked to provide information such as your name, address, date of birth, Social Security number, and telephone number. You may also be asked for specific information about your current financial situation or other credit related information. This may involve exchanging information with credit agencies or verifying references you have provided us.
If you are applying for a mortgage related insurance product, you may be asked for specific information about your mortgage loan balance or account number.
If you are applying for an underwritten insurance product or service, we will also collect medical and health information from you (for example, information related to your past or present physical health or condition) or from others (for example, your health care provider) to determine your eligibility for the insurance. However, we will only collect such medical and health information with your consent.
Browsing Our Web Sites
You may browse our Web site anonymously and privately, even if you do not wish to interact with us. No personal or financial information will be collected from you unless you voluntarily provide it.
Finding an Office Near You
Our Web site can help you locate a Liberty Life Insurance Company office most convenient for you. No personal or financial information will be collected from you unless you voluntarily provide it.
How Your Information is Used
At Liberty Life Insurance Company, we use three primary types of information:
- We use personal/financial information to communicate with you, process applications or to provide you with the products and services you have requested.
- We use transactional information to keep track of and report back to you on your dealings with us.
- We use anonymous/non-personal information to improve our products and services to you
Personal and Financial Information
We use your personal and financial information to communicate with you, process applications and effectively provide the products and services you have requested. The better we know you, the better we can help you achieve your personal financial goals. By sharing information about yourself, you help us begin identifying your personal financial service requirements – now and in the future.
When you become a Liberty Life Insurance Company customer, we will make every effort to establish and maintain a positive ongoing relationship that you will value and want to maintain. To help us do this, we will use the personal information you have provided to us to communicate with you and to safeguard your interests. For example, we will keep you informed about your insurance policy/certificate activities, authenticate your identity, send you important notices, and respond to any special needs or inquiries you may have. We may also send you information about other products and services in which we believe you would be interested.
In certain instances, sensitive customer information such as health records may be collected for specific reasons relevant to the product or service being provided. This customer information will not be made available to others nor used for any other purpose. Customer health records, for instance, may not be used to help assess loan or credit applications under any circumstances.
Transactional Information
The majority of information we retain about you is in the form of transaction records that reflect your business dealings with us. We update and maintain this information on an ongoing basis. If applicable, we will share this information with you in the form of regular statements or through financial transactions.
Anonymous/Non-Personal Information
The anonymous/non-personal information gathered from the Web is used primarily for technical, research and analytical purposes like evaluating the various sections of our Web site. This information is not personally identifiable.
With Whom We May Share Your Information
At Liberty Life Insurance Company, we may share information about you with the following:
- With other RBC companies that provide products and services we believe you may be interested in.
- With authorized RBC employees who have a legitimate business purpose and reason for accessing customer information.
- With outside service suppliers who provide specialized services on our behalf.
- With other parties as required or permitted by law.
Client information is kept strictly confidential and we adhere to standards and policies that have been designed to ensure your information is secure and treated with the utmost care and respect.
RBC Businesses, Affiliates and Subsidiaries
To allow you to benefit from our full range of products and services, we may share your information with other RBC businesses, affiliates and subsidiaries. This is done only when the proposed services are available through another member, and only in the manner we have disclosed to you. We may, for example, send you information regarding the various investment alternatives we believe you would be interested in.
Our Employees
In the course of daily operations, access to private, sensitive and confidential information is restricted to authorized employees who have a legitimate business purpose and reason for accessing it. For example, when you call us, visit an office, visit our headquarters, or e-mail us, our employees will access your information to verify that you have business with us and to assist you in fulfilling your requests.
As a condition of their employment, all employees of Liberty Life Insurance Company are required to abide by the privacy standards established by RBC. They are also required to work within the principles of ethical behavior as set out in our internal Statement of Business Ethics, which includes our Privacy Code, and must follow all applicable laws and regulations. Employees are well informed about the importance of privacy and they are required to acknowledge and sign our code of conduct or confidentiality agreement that prohibits the disclosure of any client information to unauthorized individuals or parties. Employees periodically receive up-to-date literature about our privacy policy, principles and standards, and are required to confirm their understanding and commitment to upholding client privacy and confidentiality.
Unauthorized access to and/or disclosure of client information by an employee of Liberty Life Insurance Company is strictly prohibited. All employees are expected to maintain the confidentiality of customer information at all times and failing to do so will result in appropriate disciplinary measures, which may include dismissal.
Outside Service Suppliers
At Liberty Life Insurance Company, we sometimes contract with outside organizations to perform specialized services such as premium billing, market research or data processing. Our trusted service suppliers may at times be responsible for processing and handling some of the information we receive from you. For example, we give our premium billing agent the information that enables them to send you your premium notice.
When we contract with suppliers to provide specialized services, we give them only the information necessary to perform such services. We prohibit them from storing, analyzing or using information about our customers for purposes other than to carry out the service they have been contracted to provide. In fact, our suppliers are bound by strict contractual obligations that have been designed to protect the privacy and security of your information. Furthermore, as part of our contract agreements, our suppliers and their employees are required to protect your information in a manner that is consistent with the privacy policies and practices that we have established.
Other Parties as Required or Permitted by Law
The type of information we are legally required to disclose most often relates to governmental tax reporting requirements. In some instances, such as a legal proceeding or court order, we may be required to disclose certain information to authorities. Only the information specifically requested is disclosed and it is our practice to validate the legitimacy of such a request.
There are some situations where we are legally permitted to disclose your personal information to members and non-members of RBC. This includes companies that help us protect the confidentiality of your insurance records, service or process your insurance products or help us respond to or carry out transactions you request or initiate. Specific examples include, but are not limited to, returning a check due to insufficient funds; providing information to a consumer reporting agency regarding our experience with you; or in connection with our joint marketing arrangements to persons acting on your behalf.
Our Opt Out Policy
So that you may fully benefit from our capabilities and expertise, we would like to share the personal information we collect from you with other RBC companies. This information is shared to assist us in conducting business, to more fully understand and meet your needs, and to provide you with products and services that might be of interest to you.
Should you prefer that we not share such information with other RBC companies (except as permitted or required by law), please let us know by calling us between 8:30 a.m. and 5:00 p.m. Eastern Time at 1-888-679-7156 or e-mail us through Contact Us at www.rbcinsurance.com/us.
Residents of California
Liberty Life Insurance Company will not share your information with other RBC businesses, affiliates or subsidiaries for the purpose of providing other products or services without first obtaining your consent.
How We Safeguard Your Information
At Liberty Life Insurance Company, we maintain security standards to ensure that your personal and financial information is protected against unauthorized access, disclosure, inappropriate alteration or misuse. All safety and security measures are also appropriate to the sensitivity level of your information.
Client Files
Electronic client files are kept in a highly secured environment with restricted access. Paper-based files are stored in secure locations. Access is also highly restricted.
Online Security
We manage our server environment appropriately and our firewall infrastructure is strictly adhered to. Our security practices are reviewed on a regular basis and we routinely employ current technologies to ensure that the confidentiality and privacy of your information is not compromised.
When you call our telephone customer service, you will be required to verify your identity by providing certain personal information before proceeding.
Accessing and Amending Your Information
At Liberty Life Insurance Company, decisions are often made based on the information we have. Therefore, it is important that your personal information is accurate and complete. As a customer, you may access, verify and amend the information held in your personal files, subject to certain restrictions noted below. You may do so by writing to us at Liberty Life Insurance Company, Customer Information, P.O. Box 789, Greenville, South Carolina 29602-0789, providing us with the following information:
- Your full name
- Your street address
- Your daytime telephone number
- A complete list of the policy/contract numbers for all policies you have with Liberty Life Insurance Company.
RBC ExpressTERMTM customers may make changes to some personal information through their online account.
Accessing Your Information
You may access and verify your transactional information whenever you wish. Most of this information is available in the form of transaction records. Billing statements are generally the best source for this type of information. We may charge you our costs associated with providing you copies of this information.
Should you contact us concerning a decision we have made, we may inform you of the reasons for those decisions if we are permitted to do so by law. We will, upon request, provide you with the name(s) and address(es) of any consumer agencies or health care providers that provided information to us on your behalf if it was relevant to our final decision.
Amending Your Information
To help us keep your information up-to-date, we encourage you to amend inaccuracies and make corrections as often as necessary. Should you identify any information in your file(s) that needs to be adjusted, we will make the proper changes in our files and provide you with a copy of the corrected information. We may charge you our costs associated with providing you copies of this information. Where appropriate, we will use every reasonable effort to communicate these changes to other parties who may have unintentionally received incorrect information from us.
To Request a Change
To request a change to the personal contact information contained in your file, please call us between 8:30 a.m. and 5:00 p.m. Eastern Time at 1-888-679-7156, or e-mail us through Contact Us at www.rbcinsurance.com/us.
How You Can Protect Your Information
We believe there are measures you should take to protect and safeguard your personal and financial information. The following is a list of things you can do to protect yourself against fraud and uninvited intrusion.
Personal Information
You should not share personal or financial information such as your Social Security Number or credit card number with others unless you clearly understand the purpose of their request and you know with whom you are dealing.
Other Web sites
Our Web site may contain links to other third party sites that are not governed by this privacy statement. Although we endeavor to only link to sites with high privacy standards, our privacy policy will no longer apply once you leave our Web site. Additionally, we are not responsible for the privacy practices employed by other third party Web sites. Therefore, we suggest that you examine the privacy statements of those sites to learn how your information may be collected, used and disclosed.
Cookies and Liberty Life Insurance Company
- How Cookies are Used
- How Cookies are Not Used
- Maintaining Personal Information in a Cookie
- What are Your Choices in Relation to Cookies?
How Cookies are Used
Cookies may be used by our Web site to improve functionality and in some cases, to provide visitors with a customized online experience. The following section describes how our Web site uses cookies.
To Improve Functionality
At Liberty Life Insurance Company, we may use non-persistent cookies to improve operations and functionality of our Web site. For example, these cookies improve navigation, maintain connectivity and ensure online service sessions are secured. They do not contain personal or financial information and they are not permanently stored for future use.
Site Personalization
Persistent cookies are sometimes used as a means of offering visitors with a personalized experience.
How Cookies are Not Used
Although cookies have the capability of accomplishing a variety of undertakings, we only use cookies when they provide an obvious benefit to you. The following describes how our Web site does not use cookies.
Web Site Tracking (What sites you go to)
Cookies or other information tracking technologies are not used to follow the surfing behavior of our visitors once they leave our Web site. Additionally, tracking information that may be gathered during a visit to an RBC Web site will not be used for promotional purposes.
User IDs and Passwords
For added security, cookies are not used to remember user names and passwords when accessing highly secured pages. You will be required to provide this information each time you log-on to one of our secured online service pages.
Aggregated Analysis Attributable to an Individual Account
We do not associate any of the information collected via cookies with your personal or financial information.
Maintaining Personal Information in a Cookie
Cookies cannot be used to gather sensitive information about you or data residing on your computer. These cookies are not designed to identify you personally; rather they are intended to enhance navigation and the security of your session.
We will only ask that you provide personal information if it is required to provide you with the service you have requested. This type of information is collected only on a voluntary basis and it is not used for any purpose other than what was originally disclosed to you.
What are Your Choices in Relation to Cookies?
If you would like to browse our Web site, you may do so without accepting cookies. However, you should understand that if you choose not to accept cookies, some of our Web site pages may not function properly or optimally and you will not be permitted to access certain secured sites.
Cookies are widely used and most Web browsers are configured initially to accept cookies automatically. If you prefer not to accept cookies, you may adjust your browser settings to alert you when a cookie is about to be sent, or you may configure your browser to refuse cookies automatically. If you would like to learn more about how to set your cookie options, please refer to your browser's documentation or online help for instructions.
Spectrum Direct Privacy Notice
Effective December 14, 2005
Our Commitment To Privacy
As a customer of Spectrum Direct Insurance Services, Inc. (together with its affiliates, "we", "us" or "our"), you can be assured that we value our relationship with you, and make every reasonable effort to protect your nonpublic personal information. To keep you abreast of our privacy practices, we are required by the Federal Government to provide you our Privacy Policy, at the inception of our relationship and annually thereafter, regarding our treatment of nonpublic personal information. This Privacy Policy will help you understand the information we collect, how we use it, how we protect it and when and if we share it.
Nonpublic personal information, as used in this notice, means nonpublic personal financial and nonpublic personal health information. Nonpublic personal financial information, as used in this notice, means information, other than health information that identifies an individual and is not otherwise available to the public. This includes personal financial information such as income, financial benefits, history, policy or claim information. Nonpublic personal health information, as used in this notice, means information that identifies an individual's health information such as medical records, lab results or underwriting results, or other information about illness, disability or injury.
Information We Collect
We may collect nonpublic personal information in a number of ways: information you provide us on our website or through a paper application; data related to your transactions with us, our affiliates, or others; and information we receive from consumer reporting agencies or otherwise with your consent. Information collected may include: personal information, such as your name, and address; financial information, such as your income and assets; health information (for life insurance purchasers), such as individual medical records, lab results, or other information about an illness, disability or injury; and information we collect to complete payment. We may also receive nonpublic personal information from agents, service providers, and partners providing marketing services.
Information We Disclose
We do not release nonpublic personal information about our customers or former customers to anyone other than as permitted by law or as described in this policy. We may also disclose nonpublic personal financial information to government enforcement agencies as appropriate in connection with suspected terrorist or other criminal activities. We disclose nonpublic information to only those employees who need it to service your policy. We may disclose the information that we collect to our affiliated companies or third parties from time to time for marketing purposes and to enhance our products and services to better suit your needs. When identifying methods of improving our products and services or if we think a product may be of interest to you, we may arrange to extend select special offers of goods or services to you either directly or through affiliates. We won’t share your health data with anyone without your written consent.
Security
We always strive to maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to protect your nonpublic personal information. We use encryption and authentication tools to protect your personal information during our application process. We do use Internet cookies, which are small pieces of data stored by your Internet browser on your computer's hard drive. Our web site uses these cookies to facilitate the application process. We do not use cookies for any other purpose nor do these cookies store any personally identifying information.
Changes in Corporate Structure
If all or part of the company or its assets are sold, merged or otherwise transferred to another entity, the data, whether personally identifiable or otherwise, associated with the services provided by that part of the company may be transferred to the prospective owners subject to strict confidentiality agreements or to the new owners as part of that transaction.
Other Financial Service Providers
Please note that if you directly provide nonpublic personal information to other financial service providers not affiliated with us, for example, independent referring agents or brokerage firms, their use of such information will not be governed by this privacy notice. If you provide nonpublic personal information to us on a website that we sponsor together with another financial service provider, you are providing your nonpublic personal information to both us and the other financial service provider. You should review the privacy notice of any such third parties to understand how they collect, use and disclose such information.
Privacy Notice Changes
We reserve the right to change this privacy notice at any time. You agree to obtain annual notices of, and changes to, this privacy notice electronically by visiting this Site. Therefore, we encourage you to review this Site from time to time to review changes to our privacy notice.
Do Not Call Policy
Spectrum Direct is committed to honoring the requests of its current and prospective customers.
In support of this commitment and pursuant to regulations set forth by the Federal Communications Commission, we
have adopted the following policy. This policy statement is being provided to our customers and visitors to our internet website.
We maintain a record of the name and contact telephone number for consumers who
do not wish to be called. If you do not wish to receive sales calls from us, you can ask us to place your telephone number on our “Do Not Call” list. In compliance with federal and state laws, we will document your request
immediately. Please allow up to 30 days for your telephone number to be removed from any sales programs that are
currently underway.
- Your request can be in writing or by telephone, and must include at a minimum, your name and telephone number.
- If you have multiple telephone numbers, tell us all numbers that you want to be included.
Any e-mail communication to you confirming receipt of your “Do Not Call” request will not be deemed to have violated this policy.
Our “Do Not Call” records are maintained for at least five (5) years, so those consumers will not be burdened with periodic calls to renew a “Do Not Call” request.
If we solicit prospective customers, we also honor “Do Not Call” requests on behalf of consumers listed on the National Do Not Call Registry maintained by the Federal Trade Commission and various state agency lists. Many state “Do Not Call” regulations permit companies to contact their own customers even though they are on these “Do Not Call” lists. Therefore, if you are a customer, you may be contacted by us even though you are on a state or the national “Do Not Call” list. If you do not want to be contacted by us even though you are a customer, simply follow the steps above to be placed on our “Do Not Call” list and your request will be honored.
Being on our “Do Not Call” list means that you
will not receive any sales calls by anybody representing us. We may still
contact you, however, for non-solicitation purposes. This could include things
like billing and other service-related matters.
Any personnel involved with telemarketing and/or telephone solicitation with us are trained, informed and directed to comply with our “Do Not Call” policy. Consumers must inform us of any changes in name or telephone number if they move or wish to place a new telephone number on our “Do Not Call” list. This policy does not cover independent third parties, who may on their own initiative conduct telemarketing and/or telephone solicitation to solicit consumers for our products or services. If a consumer requests a copy of our “Do Not Call” policy, we will send a copy via U.S. Mail or electronic mail.
We intend to comply with all federal and state “Do Not Call” laws and regulations. If you have any questions or comments regarding our “Do Not Call” policy, you may contact us at:
Corporate Headquarters
27881 La Paz
Road
Suite G-157
Laguna Niguel, CA 92677
Rate Quote Disclaimer
The purpose of this site is for general information only,
and should not be interpreted as financial or professional advice.Therefore, we will not be held liable for any
damage or loss arising from accessing this site or the use of information to be
found on its pages. Care is taken to
make sure the content and information on this site is factual and up to date.We, however, can accept no liability for any
errors or ommisions or the accuracy or completeness of this site, or any of its
content.
In the event that there is a
discrepancy between the information contained in the insurance rate quotes and
any insurance company-authorized illustration and/or policy, the policy shall
govern.
All materials and information in this site are provided "as
is" and without warranties of any kind. By accessing this website, you
agree that we will not be held liable for any loss or damage arising from the
use of the information found here.
No coverage of any kind is bound by submitting information
or receiving a quote.
PRIVACY NOTICE of
Garden State Life Insurance Company
Effective 8/1/06
Your privacy is very important to us.
Garden State Life Insurance Company is committed to providing insurance products and services designed to meet your needs. We are equally committed to respecting your privacy and protecting the information about you that we may receive. We have prepared this notice to advise you what information we collect, how we use it and how we protect it.
What information we collect.
As an essential part of our business, we obtain certain personal information about you in order to provide a financial product or service to you. Some of the information we receive comes directly from you on applications or other forms, and may include information you provide during visits to our web site. We may also receive information from physicians, testing laboratories and other health providers, and from consumer reporting agencies. The types of information we receive may include addresses, Social Security Numbers, family information, current and past medical history and financial information, including information about transactions with other financial institutions.
What information we disclose.
We do not disclose nonpublic personal information about our current or former customers to any non-affiliated entity, except as permitted by law. Examples of the disclosures which we are permitted by law to make include: disclosures necessary to service or administer an insurance or annuity product that you requested or authorized; disclosures made with your consent or at your direction; disclosures made to your legal representative; disclosures made in response to a subpoena or an inquiry from an insurance or other regulatory authority; disclosures made to comply with federal, state or local laws and to protect against fraud. We are also permitted to disclose information to outside firms that perform services for us and with whom we have non-disclosure agreements.
Our privacy protection procedures
We protect information about you from unauthorized access. For example we employ secure technologies in order to safeguard transmission of information about you through our web sites. Access to information about you is restricted to those individuals who need such information in order to provide products and services to you. Examples of activities requiring access to personal information include: underwriting; claims processing; reinsurance and policyholder service. Our employees and agents receive training regarding our privacy policies and violators are subject to disciplinary action. We do not provide access to customer information to any service provider that has not signed a non-disclosure agreement with us. Finally, we have established and maintain procedures to comply with all state and federal laws and regulations regarding the security of personal information.
This notice has been provided to you in compliance with the Gramm-Leach-Bailey Act and is for information purposes only. No action on your part is required.
Do-Not-Call Policy
Garden State Life Insurance Company (Garden State) uses the telephone as one important way to communicate with our customers and prospective customers. Because we wish to respect the wishes of our customers and prospective customers and intend to comply with state and federal laws, it is the policy of Garden State
- not to make a telephone solicitation call* to any person who has expressed a desire to us not to receive such calls; and
- not to make a telephone solicitation call to any person on a state or federal do not call list except as permitted by law.
*Please note a "telephone solicitation call" is any call that is made for the purpose of soliciting the sale of any insurance product or service that we provide.
We maintain a Company Do Not Call list!
This list contains the telephone numbers and names (if provided); of persons who have told Garden State that they do not want to receive any telephone solicitation calls from Garden State.
Anyone may be placed on our Company Do Not Call list by sending a written request to us at:
Garden State Life Do Not Call List
P O Box 1896
Galveston, TX 77553-9902
The request must provide the 10-digit telephone number that is not to be called and the person’s name, if desired.
Once a request has been made, we will add the telephone number and name (if provided) to our Company Do Not Call list within 30 days. We will maintain the telephone number and name (if provided) on our Company Do Not Call list for five years. If a person’s telephone number changes, another request must be submitted to have the new number added to our Company Do Not Call list.
Garden State intends to comply with all State and Federal Do Not Call laws and regulations. Any questions concerning Garden State’s Do Not Call Policy may be directed to:
Garden State Life Insurance Company
Attention Corporate Compliance
One Moody Plaza
Galveston, TX 77550-7999
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Need Help? Call Us Toll Free:
1-800-952-3491
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