Our Insurance Information Practices in Montana

We collect information from you and from others. The categories of information and how we collect information includes:

• the name, address and social security number of the policy owner and similar information plus driver's license number, date of birth, age and medical information regarding the proposed insured as well as identification information regarding designated beneficiaries. We collect this information from the policy owner and proposed insured on applications and other forms, and from consumer reporting agencies;
  
  
• your transactions with us and our affiliates are collected internally;
  
  
• name, age, date of birth, and medical history are collected from insurance support organizations (which may retain your information and disclose it to other persons);
  
  
• medical information is also collected from doctors and medical service providers, from personal interviews and from investigative reports prepared by third party services.

We may disclose all these categories of information to agents, affiliates, insurance support organizations and service providers without your prior authorization to perform insurance functions involved in processing and servicing your existing business, to detect and prevent fraud and to report illegal activities, to perform actuarial and other research studies, to verify medical information with service providers, and to complete reports to regulators, law enforcement, company and affiliate auditors and fraud investigators.

When you are no longer our customer, we continue to share your information as described in this notice.

To protect your personal information from unauthorized access and use, we use security measures that comply with the law. These measures include computer safeguards and secured files and buildings.

You have the right, with proper identification, to see and copy information you can reasonably describe that we have about you that is reasonably retrievable, except that you have no right to request information that is collected in connection with or in reasonable anticipation of a claim or civil or criminal proceeding involving you.

You also have the right, with proper identification to submit a written request for a record of disclosures of medical record information we have made. We will disclose disclosures made pursuant to your written consent, for health research and as permitted for marketing purposes, as necessary to an insurance support organization and to group policy holders. We will not provide a list of disclosures, if any, to law enforcement. For each disclosure, we will provide the name, address and institutional affiliation, if any of the person receiving or examining the medical information during the preceding 2 years, the date of the receipt or examination and to the extent practicable, a description of the information disclosed. For the following disclosures, we will provide you with a description of the types of medical record information that we may disclose in those cases along with a general description of the usual recipients of that information, as individual tracking of each disclosure in these cases is not required: between licensees if the receiving party doesn't disclose further, to a medical facility to verify coverage, in the case of a merger or sale of the business, to an affiliate if necessary to perform an insurance function or with consent for marketing if affiliate enters into a written agreement not to disclose the information further, as necessary or required to a governmental agency, under a service contract that prohibits further disclosure, and to a non-licensee as necessary to perform an insurance function.

Within 30 business days of our receipt of your written request, we will inform you by telephone or in writing of the nature and the substance of recorded personal information other than "medical record information" we have about you. For any information in coded form, an accurate translation in plain language will be provided to you in writing. We will also list the identity (if recorded) of persons to whom we disclosed personal information within two years prior to your request, and if the identity is not recorded, we will tell you the names of persons to whom such information is normally disclosed. We will also give you a summary of the procedures you may use to request correction, amendment or deletion of recorded personal information. You may see and copy, in person, such recorded personal information, or obtain a copy of such recorded personal information by mail, whichever you prefer. Any information provided by an institutional source will include the identity of the source.

Medical record information requested in writing and with proper identification, together with the identity of the medical professional or medical care institution that provided the information, will be supplied, at our election, either directly to you or to a medical professional designated by you, which professional is licensed to provide medical care with respect to the condition to which the information relates. If we disclose requested information to a medical professional, we will notify you when it is provided to the medical professional. The medical professional may review and interpret the information and, at the request of the affected individual, shall consult with the affected individual.

Except for information provided in response to your request for the specific reasons for an adverse underwriting decision, we may charge a reasonable fee to cover the costs incurred in providing a copy of the recorded personal information to you.

You also have the right to ask us to correct, amend or delete any information about you which you believe to be incorrect. Within 30 business days of our receipt of your written request, we will decide whether to correct, amend or delete the information in dispute and notify you of our decision.

If the information should be corrected, we will update our files, notify you that we made the update and send the correction to anyone, including any insurance support organization that systematically received information from us within the preceding seven years; except that we won't notify any insurance support organization that no longer maintains information about you or that has already corrected this information about you; and to any person specifically designated by you who may have within the preceding two years received such information.

If we do not agree that the information is incorrect, we will tell you so, along with the reasons. If we do not believe the information is incorrect, you are permitted to give us a concise statement of what you believe to be the correct information and a concise statement about why you disagree with us. We will file your statement with the disputed information and make anyone who received or will receive the original information aware of the statement and give them access to it. In any subsequent disclosure of the information by us, we will clearly identify the matter or matters in dispute and provide your statement along with the information being disclosed.

The commissioner may review a refusal by us to correct, amend or delete recorded personal information in order to determine if the information is correct. The commissioner may order us to correct, amend or delete information the commissioner determines is erroneous in an individual's recorded information file.

To request access to or correction of the information in your file, please write

Privacy Officer
P.O. Box 2318
Duluth, Georgia 30096-0040

Please include your policy number and some personal identification number, such as your driver's license number.