-Information about transactions with us or our affiliates, such as type of product purchased, policy or account number, account balance, policy coverage, and payment and claims history;

-Information provided by employers, benefit plan sponsors, associations, such as employee premium contribution amounts and employee or association eligibility;

-Information from other sources such as motor vehicle reports, medical information, and information about your transactions with other insurance companies; and

-Information from consumer reporting agencies.

Information We Disclose
HISI does not disclose non-public personal information about our customers or former customers to anyone, except as required by law.

During the normal course of business, HISI may share the personal information as described above with a company affiliated with HISI.

Also, HISI may disclose information we collect, as described above, to persons or companies with which we have contracts to perform functions on our behalf.

These include financial service providers, such as: insurance companies, payment processing companies, and non-financial service providers, such as: mailing houses, data processing companies, and those that provide access to provider discounts for our insureds. These companies might assist us, for example, in fulfilling your service request, processing your transaction, or mailing account statements.

In addition, we may share the information listed above with financial institutions with which we jointly offer, endorse, represent or sponsor a financial product or service.

All of these persons or companies, which act with us or on our behalf, are contractually obligated to keep the information that we provide to them confidential and to use the information only to provide the services we have asked them to perform for you and us.

Former Customers
If your customer relationship with HISI is terminated, we will continue to treat and safeguard your information as described in this notice.

Security Information
HISI maintains policies and practices that protect the security and confidentiality of customer information. This includes: limiting non-public personal information to employees who need the information in order to perform their job duties, maintaining user passwords, and protecting information through security-enhancing software, such as intrusion detection software.

Fair Credit Reporting Act Notice
In some cases, HISI may ask a consumer reporting agency to compile an investigative consumer report about you. If a consumer report is requested, we will notify you promptly with the name and address of the consumer reporting agency that will furnish the report. Upon written request, you may request to be interviewed in connection with the investigation. The agency may retain a copy of the report and may disclose it to other persons to the extent permitted by the Federal Fair Credit Reporting Act.

Medical Information Bureau
HISI insurers may make a report of non-public information in conjunction with their membership in the Medical Information Bureau, a non-profit organization of life insurance companies, which operates an information exchange on behalf of its members.

If an application or claim for benefits is submitted to another Bureau member company for life or health insurance coverage, the Bureau, upon request, will supply such company with information in its file. Upon your request, the Bureau will arrange disclosure of any information it has in your file.

If you question the accuracy of information in the Bureau's file, you may seek a correction in accordance with the procedures set forth in the Federal Fair Credit Reporting Act. Contact the Bureau at:

MIB, Inc.
PO Box 105, Essex Station
Boston, MA 02112
617.426.3660
www.mib.com

Access To and Correction of Your Information
You have a right of access and correction with respect to information collected about you. You may obtain access to personal information about you that is contained in our files. You may also request correction, amendment, or deletion of any information in those files you believe to be inaccurate. The procedures for access and correction of your information will be provided to you upon your request.

HISI is unable to provide you with information collected in connection with, or in anticipation of, any claim, lawsuit, or medical information we have obtained from a healthcare provider.