-Why and how we gather information about you

-How we protect what we know about you

-How we use and disclose your information

-What your rights are

Why we need information:  We need to know about you (and anyone else insured) so that we can provide the insurance and other products and services you’ve requested.  We may also need it to administer your business with us, evaluate claims, process transactions and run our business to better serve you.  And we need information from you and others to help us verify identities in order to help prevent money laundering and terrorism.

What we need to know includes address, age and other basic information.  We may also need more information.  This may include information about finances, employment, health, hobbies or business conducted with us.

How we get information: What we know about you (and anyone else insured) we get mostly from you.  But we may also have to find out more from other sources to make sure that what we know is correct and complete.  Those sources may include adult relatives, employers, consumer report agencies, health care providers and others.  Some sources may give us reports and may disclose what they know to others.

How we protect information: Because you entrust us with your personal information, we treat what we know about you confidentially.  Our employees are told to take care in handling your information.  They may get information about you only when there is a good reason to do so.  We also take steps to make our computer data bases secure and to safeguard the information we have.

How we use and disclose information: We may use what we know to help us serve you better.  We may use it, and disclose it to our affiliates and others, for any purposes allowed by law.  Generally, we will disclose only the information we consider reasonably necessary to disclose.  For instance, we may use your information, and disclose it to others, in order to:

-Help us evaluate your request for a product or service

-Help us process claims and other transactions

-Confirm or correct what we know about you

-Help us prevent fraud, money laundering, terrorism and other crimes by

verifying what we know about you

-Help us run our business

-Process information for us

-Perform research for us

-Audit our business

-Help us comply with the law

When we disclose information to others to perform business services for us, they are required to take appropriate steps to protect this information.  And they may use the information only for the purposes of performing those business services.

Other reasons we may disclose what we know about you include:

We may use what we know about you in order to offer you our other products and services.  We may also provide information to others outside of our agency, such as marketing companies, to help us offer our own products and services to you.  In addition, we can tell you about our affiliates and the products they offer.

Unless you tell us not to share information after receiving an “opt out” notice (see “How you can make an ‘Opt Out’ Election” below), we may disclose certain information to our affiliates so that they can offer their products and services directly to you.  Even if you do not “opt out” we will not disclose your health information to another company to permit it to market its products to you.  We will also not share your information with other unaffiliated companies who may want to market their products directly to you, unless it is in connection with a joint marketing arrangement (as described below).  We will not sell or otherwise disclose your information to, for example, a catalog company.  Our affiliates include life, car, and home insurers, securities firms, broker-dealers, a bank, a legal plans company and financial advisors.  In the future, we may have affiliates in other businesses.  In addition, if we have joint marketing agreements with other unaffiliated companies, we may give them information about you so that we can offer products to you jointly or so they can offer products and services endorsed or sponsored by us to you.  But we will not share information for joint marketing if you tell us not to or if the law that applies to you does not allow it.

How you can make an “Opt Out” Election: You can tell us not to share your information to let our affiliates market their products directly to you, or not to disclose your information to a third party in connection with a joint marketing arrangement.  You can obtain an “opt out” election form by clicking here, calling us at 1-800-243-2625 or by writing to us at the address at the end of this notice.

How you can see and correct your information: Generally, we will let you review what we know about you if you ask us in writing.  (Because of its legal sensitivity, we will not show you anything that we learned in connection with a claim or lawsuit.)  In some circumstances we may disclose what we know about your health through your health care provider.  If you tell us that what we know about you is incorrect, we will review it.  If we agree with you, we will correct our records.  If we do not agree with you, you may tell us in writing, and we will include your statement if we give this information to anyone outside our agency.

You can get other material from us: In addition to any other privacy notice we may give you, we must give you a summary of our privacy policy once each year.  You may have other rights under the law.  If you want to know more about our privacy policy, please call us at 814-226-5000 or  toll free at 800-243-2625 or write to us at PO Box 165, Clarion, Pennsylvania 16214.  When writing to us, please identify the specific product or service you have with us.

Rev 8/5/08