Key Person Insurance is a wholly owned subsidiary of MEG Financial, Inc. As such the legal and privacy policies of MEG Financial, Inc. apply.
Our Privacy Commitment
MEG Financial is committed to protecting all personal information entrusted to us. The purpose of this notice is to let You know how (“We”) at MEG Financial treat personal information for all Site visitors including, prospects, existing clients, and former clients.
We do not sell ANY information, obtained on this Site from visitors, prospects, existing clients or former clients.
We will NOT sell You(r) information to other agents or financial institutions.
We do NOT sell You(r) information to any affiliate agency or call center.
We only collect and share information, as required by law, to assist our prospects and clients in obtaining the highest quality insurance and financial products.
MEG Financial will protect the personal information of our Site users. We restrict access to any personal information to only those who need it to help us secure the best products for our clients or as the law requires. We train our employees to keep all personal information confidential and safe. We maintain physical, electronic and procedural safeguards. We have implemented a variety of encryption and security technologies and procedures to protect information stored in our computer systems from unauthorized access.
Our commitment to children’s privacy
Protecting the privacy of minors is very important to us. For that reason, we do not collect or maintain information at our Site(s) from those we actually know are under 18 and no part of our site is structured to attract anyone under 18.
Important – please read
: by providing You(r) contact information, including You(r) telephone number, on this web site, You are expressly granting us permission to contact You even though You may have previously chosen to have You(r) telephone number added to any do-not-call list including lists maintained by us, or any local, state or federal government agency. In addition, You(r) state may have laws that prevent us from calling You on You(r) mobile/cellular telephone. If You use a mobile/cellular telephone as You(r) primary means of communication, please call us toll-free in the United States of America at (877) 583-3955. You give us and our representatives permission to call or text You at the number You provided using automatic dialing technology and/or a prerecorded message. You(r) consent is not a requirement to make a purchase from us.
Information We Collect
The personal information we collect depends on the specific insurance product You have an interest in.
Information from Individuals:
All personal information obtained from You directly is for the express purpose of assisting You in obtaining the best insurance policy. This information may ultimately be used to complete You(r) insurance application if You decide to apply for coverage. We also get additional information from any additional supplemental forms that may be required with the application paperwork. This may include information such as:
- Name, address, telephone number, date of birth and social security number.
- Income, assets and investment preferences.
- Information on health and habits, if You apply for life insurance or make a claim.
- Information to process transactions or to conduct online transactions.
- Personal medical information including the names addresses and telephone numbers of doctors.
Information from Third Parties
If required, we may also obtain information from third parties. For example, insurance providers may be required to obtain additional information in order to evaluate You(r) application or to verify You(r) identity. This additional information may include:
- Health history from medical providers and the Medical Information Bureau, Inc. (MIB, Inc.) MEG Financial may, with You(r) permission, use You(r) medical reports to shop You(r) options. We will not take this approach without You(r) consent and HIPPA compliance.
- Personal and credit information from consumer reporting agencies. MEG Financial will not directly access credit reports from consumer reporting agencies or financial institutions.
- Employment and benefit information from employers, plan sponsors and administrators
- Information from other companies about contracts or accounts transferred to us
Consumer reporting agencies may keep the information they collect. They may share that information with others to the extent allowed by law. If You contact another insurer to apply for life or health insurance or make a claim, the MIB, Inc. will, by law, supply that company with any of You(r) information that it has on record.
How We Collect You(r) Information
We keep records of all client transactions. This may include information such as:
- Benefits, contract values, payments and account activities.
- Beneficiaries and claims.
- Site visitor information.
MEG Financial collects personal medical information only to underwrite life and disability insurance or process claims. We will first obtain written consent from You before we obtain any medical information from third parties. You can be assured that You(r) personal medical information will only be used to help You obtain the most favorable insurance products that fit You(r) given circumstances.
MEG Financial does not share medical information for marketing purposes. We only share it within strict limits as allowed or required by law. We will, only with You(r) express permission, allow several insurance companies to review You(r) medical records simultaneously on a “trial basis” in an effort to obtain multiple competitive offers.
As with most other websites, we collect and use the data compiled in our Site log files. The information in the log files include, You(r) IP (internet protocol) address, You(r) ISP (internet service provider, such as AOL or Shaw Cable), the browser You used to visit our Site (such as Internet Explorer or Firefox), the time You visited our Site and which pages You visited throughout our Site.
Information We Share
MEG Financial shares information only in a limited way to assure our prospects and clients get the best outcome given their insurance needs, or as required by law.
Within MEG Financial
The law allows us to share the personal information listed above with third parties that help us conduct business. For example, We may share personal information to help secure better insurance offers in the event that normal channels are not delivering the best results. This will specifically be within the confines of insurance underwriting.
MEG Financial shares only the information our insurance companies and brokerage specialists need to carry out their duties most effectively. We require that they use it only for that purpose and keep all information confidential.
MEG Financial may share information with other third parties involved in providing or maintaining You(r) insurance policy. We share only the information needed to perform their specific duties. This may include:
- Any joint insurance agent
- You(r) physician and insurance support organizations such as MIB, Inc.
- Employers, plan sponsors and administrators
MEG Financial will share personal information if You direct or authorize us to do so, or if we are required to do so by law enforcement, governmental or regulatory agencies.
Access and information correction
MEG Financial wants to make sure the information we have is accurate. Generally, upon written request, we will provide You with the personal information about You in our files, including any disclosures of medical information. If You believe that any of our records are incorrect, You may contact us in writing to request a correction.
For more information on privacy issues, please contact:
MEG Financial, Inc.
196 E. Nine Mile Rd. Suite G
Pensacola, FL 32514
Toll free 1(877) 583-3955
Visit our Legal Policy page also.