A Commitment to Protecting, Preserving, and Respecting Your Privacy

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Your privacy is important to us. This Privacy Policy (“Policy”) describes the standards we follow in handling information about you that is not publicly available, herein called “nonpublic personal information”. This Privacy Policy applies to the following: Manhattan Life Insurance Company, ManhattanLife Assurance Company of America, ManhattanLife Insurance and Annuity Company, Western United Life Assurance Company, Standard Life and Casualty Insurance Company, Family Life Insurance Company, Western Skies MGU, and all coinsurance and assumption reinsurance treaties administered and/or assumed.
 

This Privacy Policy is provided to you for informational purposes only. You do not need to call or take any action in
response to this notice. We recommend that you read and retain this Privacy Policy with your insurance papers.

A Summary of the Guidelines for Manhattan Life Insurance Company, ManhattanLife Insurance and Annuity Company, Western United Life Assurance Company, ManhattanLife of America Insurance Company, Standard Life and Casualty Insurance Company, and Family Life Insurance Company
(“The Companies”)

• We collect nonpublic personal information to process and administer our customers’ business and to ensure that we are satisfying their financial and insurance needs.
• We do not share any nonpublic personal information about our customers to anyone, except as permitted by law.
• We use our customers’ information responsibly to provide them with benefits and improved products and services.
• We have policies and procedures in place to protect our customers’ nonpublic personal information.
• We hold our employees to the highest standards of conduct in ensuring this confidentiality.
• We comply with federal and state privacy laws and regulations.
• Our privacy policy applies to customers with a current or former relationship.

Types of Nonpublic Personal Information We Collect and How We Use It

As part of our insurance business, employees, representatives, agents and selected third parties may collect nonpublic personal information about our customers. This includes the following:

• Information we have received from you on applications or other forms.
• Information about transactions with us, our affiliates or third parties.
• Information from others, such as credit reporting agencies, employers, and federal and state agencies.
• Nonpublic personal health information, like medical reports, for certain types of insurance polices in order to underwrite the policy, administer claims or perform other insurance or insurance related functions.
• Examples of nonpublic personal information we may collect are your name, address, social security number, date of birth, gender, medical history, account activity, account balances, income, assets, marital status, payment history, insurance premiums, and information received from a consumer and/or credit reporting agency.
• Please note: There may be instances when the agents and representatives referred to above may not be acting on behalf of “The Company”, in which case they may collect nonpublic personal information on their own behalf or on behalf of another. In these instances, “The Companies” Privacy Policy would not apply.

Types of Nonpublic Personal Information We Share and with
Whom We Disclose
 

• We do not share nonpublic personal information about our customers with anyone, except as permitted by law. We may disclose, as allowed by law, all types of nonpublic personal information as is necessary in order to conduct our business to: (1) affiliated companies, employees, agents, representatives and third parties that administer and service customer accounts on our behalf and that market our services; or (2) other insurance and/or financial institutions with which we have joint marketing agreements.
• Examples of the types of companies and individuals with whom we disclose nonpublic personal information are attorneys, trustees, third-party administrators, insurance agents, registered brokers/dealers, insurance companies, insurance support organizations, banks, credit reporting agencies, medical professionals, auditors, federal and state regulators, transfer agents, and reinsurers.
• If medical information is collected in the course of providing insurance services to you, this personally identifiable health information will not be used for any purpose, unless the customer or the applicable law authorizes further sharing.
• We do not sell nonpublic personal information about our customers to other companies so they may solicit you.
• We disclose this nonpublic personal information outside the company only as authorized by you or for a specific business purpose.

Our Safeguards to Protecting Nonpublic Personal Information
 

• We restrict access to nonpublic personal information to authorized individuals who need to know the information to provide benefits and improved products and services to our customers.
• We have guidelines in place that inform and give direction to our employees, agents, and representatives acting on our behalf on how to protect and use nonpublic personal information.
• We maintain physical, electronic, and procedural safeguards that protect nonpublic personal information.
• We will continue to enhance our security procedures, as new technologies become available.
   

Additional Privacy Policy Information

• This Policy is provided to you in accordance with the privacy provisions in Title V of the Gramm-Leach-Bliley Act. We may change this policy and/or related procedures at any time, in accordance with applicable federal and state laws. Customers with a continuing relationship will receive appropriate notice if our Policy changes.
• Our Policy will be available to all interested parties on our web site at www.manhattanlife.com.