Our Insurance Information Practices in Virginia

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.

The types of disclosures we make and the circumstances under which such disclosures may be made without prior authorization (that occur with such frequency as to indicate a general business practice) include:

1. To a person other than an insurance institution, agent, or insurance-support organization, provided the disclosure is reasonably necessary:

   1. To enable that person to perform a business, professional or insurance function for the disclosing insurance institution, agent, or insurance-support organization and that person agrees not to disclose the information further without the individual's written authorization unless the further disclosure:

      1. Would otherwise be permitted by this section if made by an insurance institution, agent, or insurance-support organization; or

      2. Is reasonably necessary for that person to perform its function for the disclosing insurance institution, agent, or insurance-support organization; or

   2. To enable that person to provide information to the disclosing insurance institution, agent, or insurance-support organization for the purpose of:

      1. Determining an individual's eligibility for an insurance benefit or payment; or

      2. Detecting or preventing criminal activity, fraud, material misrepresentation, or material nondisclosure in connection with an insurance transaction; or

2. To an insurance institution, agent, or insurance-support organization, or self-insurer, provided the information disclosed is limited to that which is reasonably necessary:

   1. To detect or prevent criminal activity, fraud, material misrepresentation, or material nondisclosure in connection with insurance transactions; or

   2. For either the disclosing or receiving insurance institution, agent or insurance-support organization to perform its function in connection with an insurance transaction involving the individual; or

3. To a medical-care institution or medical professional for the purpose of

   1. verifying insurance coverage or benefits,
   2. informing an individual of a medical problem of which the individual may not be aware or
   3. conducting an operations or services audit, provided only that information is disclosed as is reasonably necessary to accomplish the foregoing purposes; or
   
   

4. To an insurance regulatory authority; or

5. To a law-enforcement or other government authority:

   1. To protect the interests of the insurance institution, agent or insurance-support organization in preventing or prosecuting the perpetration of fraud upon it; or

   2. If the insurance institution, agent, or insurance-support organization reasonably believes that illegal activities have been conducted by the individual; or

   3. Upon written request of any law-enforcement agency, for all insured or claimant information in the possession of an insurance institution, agent, or insurance-support organization which relates an ongoing criminal investigation. Such insurance institution, agent, or insurance-support organization shall release such information, including, but not limited to, policy information, premium payment records, record of prior claims by the insured or by another claimant, and information collected in connection with an insurance company's investigation of an application or claim. Any information released to a law-enforcement agency pursuant to such request shall be treated as confidential criminal investigation information and not be disclosed further except as provided by law. Notwithstanding any provision contained herein, no insurance institution, agent, or insurance-support organization shall notify any insured or claimant that information has been requested or supplied pursuant to this provision prior to notification from the requesting law-enforcement agency that its criminal investigation is completed. Within ninety days following the completion of any such criminal investigation, the law-enforcement agency making such a request for information shall notify any insurance institution, agent, or insurance-support organization from whom information was requested that the criminal investigation has been completed; or

6. To a nonaffiliated third party whose only use of such information will be in connection with the marketing of a nonfinancial product or service, provided:

   1. No medical-record information, privileged information, or personal information relating to an individual's character, personal habits, mode of living, or general reputation is disclosed, and no classification derived from the information is disclosed,

   2. The individual has been given an opportunity, in accordance with the provisions of subsection A of §38.2-612.1, to indicate that he does not want financial information disclosed for marketing purposes and has given no indication that he does not want the information disclosed, and

   3. The nonaffiliated third party receiving such information agrees not to use it except in connection with the marketing of the product or service; or

7. To a group policyholder for the purpose of reporting claims experience or conducting an audit of the insurance institution's or agent's operations or services, provided the information disclosed is reasonably necessary for the group policyholder to conduct the review or audit.

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.

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

However, disclosure directly to you may be denied if a treating physician or treating clinical psychologist has determined, in the exercise of professional judgment, that the disclosure requested would be reasonably likely to endanger the life or physical safety of you or another person or that the information requested makes reference to a person other than a health care provider and disclosure of such information would be reasonably likely to cause substantial harm to the referenced person.

If disclosure to you is denied, upon your request, we will either (i) designate a physician or clinical psychologist acceptable to us, who was not directly involved in the denial, and whose licensure, training, and experience relative to your condition are at least equivalent to that of the physician or clinical psychologist who made the original determination, who shall, at our expense, make a judgment as to whether to make the information available to you; or (ii) if you so request, make the information available, at your expense to a physician or clinical psychologist selected by you, whose licensure, training and experience relative to your condition are at least equivalent to that of the physician or clinical psychologist who made the original determination, who shall make a judgment as to whether to make the information available to you. We will comply with the judgment of the reviewing physician or clinical psychologist made in accordance with the foregoing procedures.

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; no other fee will be charged.

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.

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.

We may disclose your information (except your medical information) to market new products and services to you, unless you indicate to us that you do not want your information disclosed for marketing purposes. You may tell us at any time that you do not want your information disclosed for marketing purposes by going to https://www.primerica.com/optout or call 1-800-770-0673.