Privacy Policy

Privacy Policy

HCC Life Insurance Company is committed to protecting your privacy. This policy discloses our information use policies and practices in detail. Please read it to learn more about the ways we protect the information we collect, and to find out how you can limit the information about you that we share within the HCC Life Insurance Company family of companies and with unaffiliated third parties external to HCC Life. Be aware that limiting information sharing may result in you not learning about all the opportunities that may be important to you.

If you are comfortable with HCC Life Insurance Company handling of information we collect, you do not need to take any action at this time. Please read this policy and keep it for your records.

If HCC Life Insurance Company changes its information practices, we will provide you notice of any material changes. This Privacy Policy supersedes all previous notices or statements with respect to subject matters described in this policy.

When requesting a quote, HCC Life may ask for basic information about you (e.g. date of birth, citizenship, home country). Only after you have decided to complete an Application for Insurance do we ask for more detailed personal information (e.g. name, social security number, address).

The policy applies to you
The descriptions in this Policy apply to our relationships with individual consumers who inquire about and/or obtain products or services from HCC Life Insurance Company for personal, family and household purposes.

Strict security measures
HCC Life Insurance Company takes the security of information very seriously and has established security standards and procedures to prevent unauthorized access to customer information. These standards exist for both our physical facilities and our online services. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard consumer information.

Limited employee access To protect you, HCC Life Insurance Company has policies and procedures to limit employee access to information to only those employees with a business reason for accessing such information. HCC Life educates its employees about the importance of confidentiality and customer privacy. We take appropriate disciplinary measures to enforce employee responsibilities regarding customer information.

Why HCC Life Insurance Company collects information HCC Life Insurance Company collects information about you to:


		Accurately identify you;
		Protect and administer your records, policies, and funds;
		Help us design or improve our products and services;
		Save you time when you apply for new products and services;
		Offer you quality products and services; and
		Comply with certain laws and regulations.

We collect information from:


		You (from applications and other forms and information that you provide to us), such as your name, address, social security number, and income;
		Protect and administer your records, policies, and funds;
		Your transactions with HCC Life Insurance Company, such as your account balance, payment history and claims history; and
		Outside sources, such as your driving record. HCC Life Insurance Company has established procedures so that the financial information we collect is accurate, current and complete. HCC Life Insurance Company is committed to working with you to promptly correct any inaccurate information.

Depending on the type of relationship you have with HCC Life Insurance Company, we may share information within the HCC Life Insurance Company family of companies, as well as with unaffiliated third parties external to HCC Life Insurance Company. HCC Life Insurance Company reserves the right to share all information we collect as this policy describes.

We also disclose information to complete transactions initiated by you when you request or authorize the disclosure, or if the disclosure is required by law. At times it is necessary to disclose information to enforce or apply the terms and conditions of any agreement we have with you and to protect the rights, property, or safety of HCC Life Insurance Company, our customers, or others. This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction.

Sharing within the HCC Life Insurance Company family

We share information about you within the HCC Life Insurance family of companies in order to service you and your policy as completely as possible. HCC Life Insurance Company's affiliates offer many services to its policyholders including claims management and adjustment. Under the law, HCC Life Insurance Company is permitted to share identification information within the HCC Life Insurance Company family companies, as well as information related to the transactions and experiences we have with our customers. By sharing this information, HCC Life Insurance Company is able to streamline claims processes to ensure you receive the service you need should a loss occur.

We also disclose information to nonaffiliated third parties as permitted by law. For example, we provide information to outside companies to perform services on our behalf, such as data analyses, bill payment, mail house services, printing and account statements, collection services and to government entities to respond to subpoenas and audits, to credit reporting agencies, and to reinsurers and financial auditors. Whatever the reason for sharing information, we require strict confidentiality by the receiving parties and limit the use of the information to the purpose for which it was disclosed.

Former customers: if you end your relationship with HCC Life Insurance Company, we will adhere to the information policies and practices described in this policy.

For more information, or to opt out

Your relationship with HCC Life Insurance Company is a way for you to receive necessary insurance at a reasonable cost. We offer innovative products and personal attention. At the same time, we work hard to protect the confidentiality and security of information. Thank you for allowing us to provide you with the policies and services you need.

Important Privacy Choices

You have the right to opt out of or prevent the disclosure of non-public personal financial information to non-affiliated third parties, other than those permitted by law. This option applies to the insurance products and services that TM/HCC Medical Insurance Services provides to you. Presently, TM/HCC Medical Insurance Services does not share or exchange such information. If you would like more information about your options and rights to opt out of information sharing, please call TM/HCC Medical Insurance Services at 800-605-2282, or write to TM/HCC Medical Insurance Services at the address provided below. If you have previously opted out, please be assured that your election will remain effective. You do not need to call unless you wish to change your election.

Contact Information
Questions or comments regarding this Privacy Policy should be submitted to the Compliance Department of TM/HCC Medical Insurance Services by mail or e-mail as follows:

TM/HCC Medical Insurance Services
Attention: Compliance Department
251 North Illinois Street, Suite 600
Indianapolis, IN
46204

[email protected]

Changes to this Policy
This Policy may be amended from time to time. A notice will be posted on the web page for TM/HCC Medical Insurance Services (www.hccmis.com) for 60 days whenever this Privacy Policy is changed in a material way.
Effective Date: April 1, 2016