Your privacy and security are extremely important. We take our obligation to keep your information secure and confidential very seriously. That's why we maintain the following standards to help protect information that personally identifies you.

Website Security

For your protection, any and all on-line data must pass through our secure server. The security protocol that is utilized is called Secure Socket Layer (SSL). SSL protects all data transmissions between your PC and our secure server. SSL utilizes authentication and encryption technology developed by RSA Data Security, Inc. This method of cryptography means that your personal information cannot readily be deciphered by unauthorized individuals. Our secure server uses 128 bit encryption (the highest level of encryption currently available) and is verified by Verisign, Inc., a leading provider of secure online certificates.

Personal Data

Visitors to this site are not required to register or provide any personal data to browse the site. Of course, visitors who request more information, e-mail us a question or apply online must provide their contact information (name, street address, city, state, zip code, phone number, e-mail address). Other information may also be needed to process an inquiry or an application for insurance (such as date of birth, gender, answers to underwriting questions or credit card number). We will store data so that we can personalize your visits, provide you with more information, or process your application. In addition, we will use the data to administer business and to notify you of products and services that may be of interest to you. We collect and retain information about you only for specific business purposes - and we will tell you why we are collecting and retaining it upon your request. If you apply for coverage, be sure to check all the information in your insurance documents for accuracy when you receive them. If you find any inaccuracies please have them corrected by calling the company at the toll-free number shown in your insurance documents.

Sharing

Colonial Penn works closely with certain third parties who perform services on our behalf, including but not limited to fulfilling requests for information, managing data, processing credit card payments or providing customer service. Such third parties have access to your personal data only to the extent necessary to perform their functions, and may not use or disclose it for any other purpose.

If you apply for underwritten life insurance, information regarding your insurability will be treated as confidential. Colonial Penn Life Insurance Company or its reinsurers may, however, make a brief report thereon to MIB, Inc., formerly known as Medical Information Bureau, a not-for-profit membership organization of insurance companies, which operates an information exchange on behalf of its members. If you apply to another MIB member company for life or health insurance coverage, or a claim for benefits is submitted to such a company, MIB, upon request, will supply such company with the information in its file.

Upon receipt of a request from you, MIB will arrange disclosure of any information in your file. Please contact MIB at 866 692-6901 (TTY 866 346-3642). If you question the accuracy of information in MIB's file, you may contact MIB and seek a correction in accordance with the procedures set forth in the federal Fair Credit Reporting Act. The address of MIB's information office is: 50 Braintree Hill Park, Suite 400, BrainTree, Massachusetts 02184-8734.

Colonial Penn Life Insurance Company or its reinsurers may also release information in its file to other insurance companies to whom you may apply for life or health insurance, or to whom a claim for benefits may be submitted. Information for consumers about MIB may be obtained on its website at www.mib.com.

Cookies and GUIDs

Most web sites use "cookies" and so do we. A cookie is a bit of information that is stored on a visitor's hard drive that helps us learn how large groups of people use the site, and helps us collect data to track usage patterns, assess web content and structure, and tailor the site to your interests and preferences. In addition, we also use a GUID (Globally Unique IDentifier) to enhance the use of cookies. A GUID is an alphanumeric identifier that we store within a cookie to better assist us in statistical analysis. We collect this data on an aggregate basis. No individual information is associated with it, unless you provide it to us through transactions such as applying online or requesting information by mail. Our goals are to better understand your interests, make our site more useful to you, and understand the most effective forms of advertising.

The terms of the above privacy statement are effective 06/15/2000. If we revise the terms we will post them here, along with a revision date.
Revised 11/13/2008.