Insurance Notice of Information Practices (NIP)
This notice applies to our life insurance operations in certain states within the U.S., including our processing of insurance applications and claims within those states.
This notice is meant to address our obligations under the Insurance Information and Privacy Protection Model Act from the National Association of Insurance Commissioners (the “NAIC Model Act”), as well as certain state laws modeled after the NAIC Model Act.
Gerber Life Insurance Company respects your right to privacy and values your trust. This Notice of Information Practices explains how we collect, use and protect your personal information and your rights regarding that information.
Information We Collect
In order to determine your eligibility for insurance and to service your insurance policy, we may collect information about you, such as your name, address, age, medical history, insurance history, driving records and other personal characteristics. Most of this information will come directly from you. However, there are times when we may need to collect or verify information using other sources such as medical professionals, health facilities, employers, business associates, neighbors and other insurance companies to which you may have applied for coverage. We may also request information from an insurance support organization. Investigative Consumer Reports prepared by insurance support organizations may be retained by those organizations and may be disclosed to other entities for which it performs services.
Information we disclose
We do not disclose information unless permitted by you or by law. We may, as allowed by law, disclose information, without your authorization, to third parties, such as persons or organizations that perform professional or insurance functions for us, insurance support organizations, other insurance companies to which you may have applied, and treating medical professionals.
How we protect your information
We maintain physical, electronic and procedural safeguards to protect information which we gather. We permit access only to authorized persons who are trained in the proper handling of this information.
How can you review your information
You have the right to request a copy of the personal information that we have about you. If we receive such a request, we will provide you a copy of your requested personal information within 30 days, as long as the information is reasonably locatable and retrievable. We may charge a reasonable fee to cover the costs incurred to provide you with copies of requested personal information.
You have the right to correct, amend or delete personal information we may have recorded about you. We will respond to your written request to correct, amend or delete personal information about you, within our possession, within 30 business days from the date your request is received.
If you wish to exercise your rights as provided in this notice, please write us at:
Gerber Life Insurance Company
Attn: Privacy Officer
445 State Street Fremont, MI 49412.
When you write to us, please provide us with your full name, complete address and your policy number.