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PLEASE CAREFULLY REVIEW THE FOLLOWING TERMS AND CONDITIONS WHICH GOVERN YOUR ACCESS AND USE OF THIS WEB SITE. Your use of this web site and/or initiation of an order, inquiry or other communication indicates your acceptance of these terms and conditions, which are the terms and conditions applicable to this web site owned and operated by Security Life Insurance Company of America ("Security Life"). These terms (or such modified terms and conditions as Security Life may adopt and post from time to time on this web site) will supercede and override any subsequent or proposed terms or conditions included with any order, communication or other inquiry, unless you have received written agreement to the contrary signed by an authorized officer or representative of Security Life.
Except as expressly offered in this web site, Security Life makes no representations or warranties, express or implied, of any kind with respect to products and services sold or advertised on this web site. SECURITY LIFE EXPRESSLY DISCLAIMS ALL EXPRESS OR IMPLIED WARRANTIES OF ANY KIND WITH RESPECT TO INSURANCE POLICIES OR PROGRAMS SOLD OR ADVERTISED ON THIS WEB SITE, INCLUDING BUT NOT LIMITED TO, DISLAIMERS OF ANY IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. You agree that the sole and exclusive maximum liability to Security Life arising from any product or service sold or advertised on this web site under any circumstance or condition shall be the price of the policy or other product or service sold or advertised. In no event shall Security Life, its directors, officers, employees or other representatives be liable for special, indirect, consequential, punitive or other damages related to product or service sold or advertised.
This web site and the materials therein are provided to you on an AS IS basis. Security Life makes no representations or warranties, either express or implied, of any kind with respect to this web site, its operations, contents, information, or materials, and expressly disclaims all warranties, express or implied, of any kind with respect to the site or its use, including but not limited to any implied warranties of merchantability and fitness for a particular purpose. You agree that Security Life, its directors, officers, employees or other representatives shall not be liable for damages arising from the operation, content or use of the Security Life web site, and that this limitation of liability is comprehensive and applies to all damages of any kind, including without limitation direct, indirect, compensatory, special, incidental, punitive and consequential damages.
This web site is owned and operated by Security Life, and unless otherwise specified, all material appearing on this site, including the text, site design, logos, graphics, icons, and images, as well as the selection, assembly and arrangement thereof, are the sole property of Security Life, © 2004 SECURITY LIFE INSURANCE COMPANY OF AMERICA. ALL RIGHTS RESERVED. Except for the printing and storage of copies of the information for your personal use or the downloading and printing of certain specified forms, you may not copy, transmit or otherwise use or distribute any portion of this web site any means without Security Life's prior written permission. All rights not expressly granted herein are reserved by Security Life, and any unauthorized use of these materials could subject you to civil and/or criminal penalties under applicable copyright, trademark, unfair competition or other applicable laws.
Except where noted, all custom graphics, icons, logos, trademarks, service marks, slogans and other commercial symbols are owned by Security Life.
Your receipt of an electronic insurance application does not signify our acceptance of your application, nor does it constitute confirmation of our offer to sell you an insurance product. Security Life reserves the right at any time after receipt of your insurance application to accept or decline to bind coverage for any reason. We may also require additional verifications or information before accepting any insurance application.
BY ELECTRONICALLY ACCEPTING THE TERMS AND CONDITIONS OF THIS SECURITY LIFE INSURANCE POLICY APPLICATION ACCEPTANCE POLICY, YOU AGREE AND UNDERSTAND THAT YOU ARE ENTERING INTO A BINDING AND ENFORCEABLE LEGAL CONTRACT.
You agree that any legal action brought against Security Life arising from the content or representations contained in this web site shall be governed by the internal laws of the State of Minnesota without regard to its conflict of law principles and applicable to contracts to be accepted and performed from within Minnesota. You irrevocably consent to the jurisdiction and venue of the applicable federal or state courts located in Hennepin County, Minnesota.
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Security Life Insurance Company of America ("Security Life") will treat certain personal information we receive or gather about you as confidential. Information practices for this web site are as follows:
Like many web sites Security Life may use "cookies" and other technology tools to access and log certain information regarding identification of the operating system, browser and your Internet address (often a temporary address assigned by and through your internet service provider) when you access a Security Life web page. We may also track those pages or sections of the web site you are visiting, in an effort to better provide information you request and/or improve our web site and its features; measure demographics, preferences and interests of our users; refer you to another site or service; or to comply with a legal requirement.
In most cases, we do not require you to provide us with personal information to use our web sites. However, some features may require you to provide some personal information, in order for those features to function as designed (your name, e-mail, telephone number, mailing address). Certain of our web pages may require you to provide identifying information and use individual passwords in order to access personal information. You can configure your browser to accept, reject or prompt you if cookies are about to be sent to your computer, and you can also delete stored cookies at any time. If there are features or pages that request information that you do not want us to use or store, please do not provide the information or proceed with further use of that feature or web page.
If you do choose to provide us with personal information, Security Life will treat this information as confidential, other than for certain potential, limited disclosure to business affiliates or service providers to evaluate or provide requested services; to marketing partners or where required by applicable law. This includes sending or allowing marketing affiliates to send you communications, including e-mail communications. If you do not wish to receive such communications by e-mail, you may send an e-mail message to ___________ security-life.com. You may also write to us at: Security Life Insurance Company of America, 10901 Red Circle Drive, Minnetonka, Minnesota 55343-9137 or contact us at 1(800) 328-4667.
Except as outlined above, we do not make disclosures of personal information to other unaffiliated firms who may wish to sell their products or services to you, such as e-commerce sites, mail order catalogs, nonprofits, etc.
Security Life web sites are designed to be used by adults of at least 18 years of age. We do not knowingly attempt to collect personal information from children under the age of 18, and this site is not intended for use by children. All issues and communications relevant to coverage or claims for children should be conducted by their parents or legal guardians.
E-mail messages are not secure communications. They are transmitted via a number of means and are subject to interception, diversion, tampering or other misuse. Security Life uses no encryption (data scrambling) on certain portions of our web site. You can enhance your transmission of e-mail communications by:
- keeping any passwords, user identification numbers or other identifying information confidential and apart from your computer, and exercising care in entering this information in a manner that will not allow others to observe you doing so.
- logging on and using our site and services without leaving your computer, and logging off when you are finished.
- using the most recent browsers from Microsoft, Netscape, AOL or other major technologies.
Please exercise extreme care in the event we ask you to and you are willing to provide confidential information (Social Security Number, employer identification numbers, bank, credit card or other account numbers), please review whether such transmission is encrypted, which will increase the security of your information. If you need to send confidential information and are concerned about the security of a web site, then you should consider sending it by phone or by U.S. mail instead.
From time to time, our webs site may include hyperlinks for your convenience to affiliated or third party web sites that are not owned or operated by Security Life. Please note that Security Life is not responsible for and does not monitor the privacy or other policies of such sites, and that you should exercise the same care and consider the same procedures as noted above when accessing or using such sites by linking from our site and/or by accessing them directly.
Applicable laws may give you additional rights that are not described in this online privacy policy, which may be modified from time to time by Security Life by posting the new terms at www.security-life.com/___________________.
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The effective date of this notice is April 14, 2003.
If you have questions about this notice, please contact the person listed under "Whom to Contact" at the end of this notice.
THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.
In order to provide you with benefits, Security Life Insurance Company of America, (hereinafter referred to as the "Company"), will receive personal information about your health, from you, your physicians, hospitals, and others who provide you with health care services. We are required to keep this information confidential. This notice of our privacy practices is intended to inform you of the ways we may use your information and the occasions on which we may disclose this information to others.
Occasionally, we may use insureds' information when providing treatment. We use insureds' health information to provide benefits. We disclose insureds' information to health care providers to assist them to provide you with treatment or to help them receive payment, we may disclose information to other insurance companies as necessary to receive payment, we may use the information within our organization to evaluate quality and improve health care operations, and we may make other uses and disclosures of insureds' information as required by law or as permitted by the Company policies.
This notice applies to any information in our possession that would allow someone to identify you and learn something about your health. It does not apply to information that contains nothing that could reasonably be used to identify you.
- The Company.
- All employees, staff, and other personnel whose work is under the direct control of the Company.
The people and organizations to which this notice applies (referred to as "we," "our," and "us") have agreed to abide by its terms. We may share your information with each other for purposes of treatment, and as necessary for payment and operations activities as described below.
- We are required by law to maintain the privacy of your health information.
- We are required to provide this notice of our privacy practices and legal duties regarding health information to anyone who asks for it.
- We are required to abide by the terms of this notice until we officially adopt a new notice.
We may use your health information, or disclose it to others, for a number of different reasons. This notice describes these reasons. For each reason, we have written a brief explanation. We also provide some examples. These examples do not include all of the specific ways we may use or disclose your information. But any time we use your information, or disclose it to someone else, it will fit one of the reasons listed here.
Payment. We will use your health information, and disclose it to others, as necessary to make payment for the health care services you receive. For instance, an employee in our claim processing department may use your health information to pay your claims. And we may send information about you and your claim payments to the doctor or hospital that provided you with the health care services. We will also send you information about claims we pay and claims we do not pay (called an "explanation of benefits"). The explanation of benefits will include information about claims we receive for the subscriber and each dependent who are enrolled together under a single contract or identification number. Under certain circumstances, you may receive this information confidentially: see the "Confidential Communication" section in this notice. We may also disclose some of your health information to companies with whom we contract for payment-related services. For instance, if you owe us money, we may give information about you to a collection company that we contract with to collect bills for us. We will not use or disclose more information for payment purposes than is necessary.
Health Care Operations. We may use your health information for activities that are necessary to operate this organization. We may disclose your health information as necessary to others who we contract with to provide administrative services. This includes our lawyers, auditors, accreditation services, and consultants, for instance.
Legal Requirement to Disclose Information. We will disclose your information when we are required by law to do so. This includes reporting information to government agencies that have the legal responsibility to monitor the health care system. For instance, we may be required to disclose your health information, and the information of others, if we are audited by the state insurance department. We will also disclose your health information when we are required to do so by a court order or other judicial or administrative process.
Public Health Activities. We will disclose your health information when required to do so for public health purposes. This includes reporting certain diseases, births, deaths, and reactions to certain medications. It may also include notifying people who have been exposed to a disease.
To Report Abuse. We may disclose your health information when the information relates to a victim of abuse, neglect or domestic violence. We will make this report only in accordance with laws that require or allow such reporting, or with your permission.
Law Enforcement. We may disclose your health information for law enforcement purposes. This includes providing information to help locate a suspect, fugitive, material witness or missing person, or in connection with suspected criminal activity. We must also disclose your health information to a federal agency investigating our compliance with federal privacy regulations.
Specialized Purposes. We may disclose the health information of insureds of the armed forces as authorized by military command authorities. We may disclose your health information for a number of other specialized purposes. We will only disclose as much information as is necessary for the purpose. For instance, we may disclose your information to coroners, medical examiners and funeral directors; to organ procurement organizations (for organ, eye, or tissue donation); or for national security intelligence and protection of the President. We also may disclose health information about an inmate to a correctional institution or to law enforcement officials to provide the inmate with health care, to protect the health and safety of the inmate and others, and for the safety, administration, and maintenance of the correctional institution. We may also disclose your health information to your employer for purposes of workers' compensation and work site safety laws (OSHA for instance).
To Avert a Serious Threat. We may disclose your health information if we decide that the disclosure is necessary to prevent serious harm to the public or to an individual. The disclosure will only be made to someone who is able to prevent or reduce the threat.
Family and Friends. We may disclose your health information to an insured of your family or to someone else who is involved in your medical care or payment for care. This may include telling a family insured about the status of a claim, or what benefits you are eligible to receive. In the event of a disaster, we may provide information about you to a disaster relief organization so they can notify your family of your condition and location. We will not disclose your information to family or friends if you object.
Information to Insureds. We may use your health information to provide you with additional information. This may include giving you information about your plan or-related services that we provide.
Authorization. We may use or disclose your health information for any purpose that is listed in this notice without your written authorization. We will not use or disclose your health information for any other reason without your authorization. If you authorize us to use or disclose your health information, you have the right to revoke the authorization at any time. For information about how to authorize us to use or disclose your health information, or about how to revoke an authorization, contact the person listed under "Whom to Contact" at the end of this notice. You may not revoke an authorization for us to use and disclose your information to the extent that we have taken action in reliance on the authorization. If the authorization is to permit disclosure of your information to an insurance company, as a condition of obtaining coverage, other law may allow the insurer to continue to use your information to contest claims or your coverage, even after you have revoked the authorization.
Request Restrictions. You have the right to ask us to restrict how we use or disclose your health information. We will consider your request. But we are not required to agree. If we do agree, we will comply with the request unless the information is needed to provide you with emergency treatment. We cannot agree to restrict disclosures that are required by law.
Confidential Communication. If you believe that the disclosure of certain information could endanger you, you have the right to ask us to communicate with you at a special address or by a special means. For example, you may ask us to send explanations of benefits that contain your health information to a different address rather than to your home. Or you may ask us to speak to you personally on the telephone rather than sending your health information by mail. We will agree to any reasonable request.
Inspect And Receive a Copy of Health Information. You have a right to inspect the health information about you that we have in our records, and to receive a copy of it. This right is limited to information about you that is kept in records that are used to make decisions about you. For instance, this includes claim and enrollment records. If you want to review or receive a copy of these records, you must make the request in writing. We may charge a fee for the cost of copying and mailing the records. To ask to inspect your records, or to receive a copy, contact the person listed under "Whom to Contact" at the end of this notice. We will respond to your request within 30 days. We may deny you access to certain information. If we do, we will give you the reason, in writing. We will also explain how you may appeal the decision.
Amend Health Information. You have the right to ask us to amend health information about you which you believe is not correct, or not complete. You must make this request in writing, and give us the reason you believe the information is not correct or complete. We will respond to your request in writing within 30 days. We may deny your request if we did not create the information, if it is not part of the records we use to make decisions about you, if the information is something you would not be permitted to inspect or copy or if it is complete and accurate.
Accounting of Disclosures. You have a right to receive an accounting of certain disclosures of your information to others. This accounting will list the times we have given your health information to others. The list will include dates of the disclosures, the names of the people or organizations to whom the information was disclosed, a description of the information, and the reason. We will provide the first list of disclosures you request at no charge. We may charge you for any additional lists you request during the following 12 months. You must tell us the time period you want the list to cover. You may not request a time period longer than six years. We cannot include disclosures made before April 14, 2003. Disclosures for the following reasons will not be included on the list: disclosures for treatment, payment, or health care operations; disclosures for national security purposes; disclosures to correctional or law enforcement personnel; disclosures that you have authorized; and disclosures made directly to you.
Paper Copy of this Privacy Notice. You have a right to receive a paper copy this notice. If you have received this notice electronically, you may receive a paper copy by contacting the person listed under "Whom to Contact" at the end of this notice.
Complaints. You have a right to complain about our privacy practices, if you think your privacy has been violated. You may file your complaint with the person listed under ìWhom to Contact" at the end of this notice. You may also file a complaint directly with the Secretary of the U. S. Department of Health and Human Services, at the Office for Civil Rights, U.S. Department of Health and Human Services, 200 Independence Avenue, S.W., Room 509F HHH Bldg., Washington, D.C. 20201. All complaints must be in writing. We will not take any retaliation against you if you file a complaint.
We reserve the right to change our privacy practices, as described in this notice at any time. We reserve the right to apply these changes to any health information which we already have, as well as to health information we receive in the future. Before we make any change in the privacy practices described in this notice, we will write a new notice that includes the change. The new notice will include an effective date. We will mail the new notice to all subscribers within 60 days of the effective date.
Contact the person listed below:
- For more information about this notice; or
- For more information about our privacy policies; or
- If you want to exercise any of your rights, as listed on this notice; or
- If you want to request a copy of our current notice of privacy practices.
Security Life Insurance Company of America
Attn: Compliance Manager
10901 Red Circle Drive
Minnetonka, MN 55343-9137
1-800-328-4667
(952) 544-2121
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Certain laws, including the Gramm-Leach-Bliley Act of 1999, regulate the collection, use, and disclosure of a consumer or customer's nonpublic information. Security Life Insurance Company of America does not sell or otherwise disclose any nonpublic personal information about its customers or former customers to anyone outside the Company, except as permitted by law. You don't need to take any action to prevent disclosure; this notice is solely for your information.
- collect only information necessary or relevant to our business;
- make a reasonable effort to ensure that information we act upon is accurate, relevant, timely and complete;
- use only legitimate means to collect information;
- make personal information available externally only to respond to legitimate business needs, to regulatory or other government authorities or as otherwise permitted by law; and
- limit employees' access to nonpublic personal information to those who need it in order to perform their jobs and who are trained in the proper handling of personal information.
We are providing you with the following summary of the kinds of information that Security Life or its agents may collect, what is done with information after it is collected, and how you can find out about information, if any, that we have about you in our records.
We get most of our information directly from you. The application you complete, as well as any additional information you provide, generally gives us most of the information we need to know. Sometimes we may contact you by phone or mail to obtain additional information. Depending on the nature of your insurance transaction, we may need additional information about you or other individuals proposed for coverage from outside sources, such as medical records, credit reports, court records or other public records. We also might obtain information from third parties that you disclose on your application, such as other insurance companies or financial institutions.
Information that has been collected about you may be contained in our policy records and/or in your agent's files. We review it in evaluating your request for insurance coverage and in determining your rates. We will also refer to and use information in our policy records for purposes related to issuing and servicing insurance policies and settling claims. Your agent may use information about you in his/her files for insurance marketing purposes or to help you with your overall insurance program.
We will not disclose information about you to others without your written consent unless the disclosure is necessary to conduct our business. By law, we are also permitted to share information about you without prior permission under certain circumstances to certain persons and organizations such as:
- our affiliated insurance companies;
- your agent or broker;
- parties who perform a business, professional or insurance function for our company, including reinsurance companies and administrators;
- businesses that conduct actuarial or underwriting studies;
- other insurance companies, agents or consumer reporting agencies as reasonably necessary in connection with any application, policy, or claim involving you;
- insurance support organizations which are established to collect information for the purpose of detecting and preventing insurance crimes or fraudulent claims; and
- insurance regulatory or law-enforcement agencies in connection with the regulation of our business.
Should you cease to be one of our policyholders or after your claim is settled, it is our policy to archive your information for a period of 10 years. At any time, you have the right to remove yourself from our databases by contacting us in writing.
We restrict access to nonpublic information about you to those employees who need to know that information to provide products or services to you. We maintain safeguards in order to guard your nonpublic personal information. Confidentiality agreements are obtained from third-party vendors where services they perform for us in connection with our normal business operation may give them access to nonpublic information. Finally, Security Life educates its employees regarding privacy so that they know about its importance.
You have the right to know what kind of information we keep in our files about you, to have reasonable access to it and receive a copy. Write to us if you have questions about information that you would like to receive. When you write to us, please provide your complete name, address, type of policy and policy number that was issued or applied for with us and identify the information you seek. You may write to us at: Security Life Insurance Company of America, Attention: Privacy Coordinator, 10901 Red Circle Dr, Minnetonka, MN 55343-9137.
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Security Life Insurance Company of America NAIC# 68721
10901 Red Circle Drive
Minnetonka, Minnesota 55343-9137
(952) 544-2121 … Toll-Free (800) 328-4667 … Fax (952) 945-3419
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