Privacy

We care about your privacy. We believe you have a right to know what we do with the information we gather about you in connection with the products you seek or have from Zurich North America. We also want to assure you that we are safeguarding this important information. Our privacy policy is based on the laws governing privacy and on our own high standards of protecting privacy.

· We protect your non-public personal financial information and your health information (together called “NPI”).

· We do not share your NPI with companies outside of the Zurich family that would use the information to market their own products or services.

We need NPI about you so that we can determine your insurability and offer products to meet your specific needs at a fair price. We collect NPI about you from different sources including:

· Consumer reporting agencies; governmental agencies; health care providers; and others.

We will share your NPI only with authorized employees, representatives, and trusted third parties whose services are required to assure the highest level of service to you. Examples of third parties include independent agents and brokers, medical providers, third party administrative staff, and reinsurers. We will not disclose NPI about you or about other customers or former customers, except as authorized by law, as described in this privacy statement or as otherwise communicated to you.

Your financial NPI as well as the financial NPI of other customers and former customers may also be shared with financial institutions, agents and brokers, and insurance producers, but only in order to make our products and services available to you.

We may disclose NPI about you or about other customers and former customers in order to service you and to offer you worthwhile products and services. Examples include:

· NPI from your application or other forms, such as: your name; address; social security number; assets; income; and beneficiaries;

· NPI about your transactions with us, our affiliates or others, such as: your policy coverage; premiums; and payment history;

Important Note: Your health NPI and credit history will not be shared with third parties that would use the information to market their own products or services. The law allows us to share your financial information with our affiliates to market products or services to you.

Disclosures of NPI are also permitted without your authorization for some purposes. These may include:

· To insurance companies, agents, support organizations, and others to: perform marketing or services on our behalf; or to detect or prevent criminal activity, fraud, or material non-disclosure in connection with insurance transactions;

· In response to a facially valid administrative or judicial order, including a subpoena;

· As part of a proposed or consummated sale, transfer, merger, or consolidation of all or part of the business;

You have the right to view and correct any NPI we may collect about you. If you believe any of the information we have collected about you is wrong, we would welcome your help in making corrections. Please submit a written request to your local agent. The request should include your name, address, Social Security number, telephone number, the type of policy, policy number and the information you would like to view or correct.

Please be aware that information obtained from a report prepared by an insurance support organization may be retained by the insurance support organization and disclosed to other persons.

We will protect your NPI. We will restrict access to your NPI by maintaining, physical, electronic, and procedural safeguards. The only employees who are authorized to access your NPI are those who need to have it to provide products or services to you.

This policy statement may be changed at any time. We will notify you if we make any changes in this policy statement which broaden when we may share your NPI.

Above all, we value your trust and your confidence in our ability to manage and protect your important personal information. You have our word that we will protect your information as if it were our own.

Zurich North America customers may receive other privacy notices from other business units, companies affiliates and subsidiaries of Zurich Financial Services. Those privacy notices are separate and in addition to this Privacy Notice. The terms of this Privacy Notice do not modify, revise, or amend the terms of other privacy notices received from other business units, companies, affiliates or subsidiaries of Zurich Financial Services.

If you have questions or concerns about our privacy policy, please write us at the address listed below. Please include your name and policy number when contacting us.

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Brief Summary

Detailed Summary