Our Insurance Information Practices in Minnesota

We collect information from you and from others. The types 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 types of information with your prior authorization for any purpose authorized by you and we may disclose all these types 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.

You have the right, with proper identification, to see and copy all of the information you can reasonably describe (or a reasonably described portion thereof) 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. Also, if credit information is requested that federal law prohibits us to disclose, we will tell you that you have a right to receive the credit information from a credit reporting agency and we will disclose the name, address and telephone number of the credit reporting agency that supplied the credit information to us.

Within 30 business days of our receipt of your written request, we will inform you by telephone or in writing of the sources, the nature and the substance of recorded personal 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. 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.

Health record information requested, together with the identity of the health professional or health care institution that provided the information will be supplied, at your direction, either directly to you or to a health 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 health professional, we will notify you when it is provided to the health professional.

If a health professional or healthcare institution has provided health information to us that the health professional or health care institution has determined and indicated in writing that the release of the health record information is detrimental to the physical or mental health of the person, or is likely to cause the individual to inflict self-harm or to harm another, we may provide that information directly to you only with the approval of the health professional with treatment responsibility for the condition to which the information relates. If approval is not obtained, the information will be provided to the health professional designated by you.

Except for information provided in response to your request for the specific reasons for an adverse underwriting decision (which will be provided without charge), we may charge a reasonable fee, not to exceed the actual costs, to copy information for 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 we do not agree that the information is incorrect, we will tell you so, along with the reasons and notify you of your right to appeal our decision to the insurance commissioner. 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.

If you appeal to the commissioner, the commissioner may, after providing an opportunity for a hearing, order us to amend, correct or delete disputed personal information if the commissioner finds that the personal information kept by us is in error. If the commissioner finds that the disputed personal information maintained by us is correct, we may delete from your records any statement filed by you related to the disputed information.

If the information should be corrected as you request or as ordered by the commissioner, 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.

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.