Our Commitment To Privacy

BANKERS FIDELITY LIFE INSURANCE COMPANY (“BFLIC”) is committed to protecting your privacy. Our ongoing commitment to the protection of your privacy is essential to maintaining the relationship of trust that existsbetween BFLIC and all users of www.BFLIC.com (the "BFLIC Website"), whether they be agents, policyholders,employees, employers, providers, or other visitors to the BFLIC Website. This BFLIC Website privacy policy (the"Privacy Policy") is intended to help you understand our security practices generally and our online information security practices in particular.

If you are a customer of ours, you may have already received the privacy statement that describes BFLIC’s practices and procedures regarding privacy. This Privacy Policy supplements BFLIC’s general privacy statement by describing our practices and procedures relating to the information that we collect or that is made available through this website. All information collected from this website and BFLIC in general is subject to the applicable privacy laws and regulations and will be handled according to BFLIC’s general privacy statement and this Privacy Policy.

Congress passed the Gramm-Leach-Bliley Act ("GLB") which deals, in part, with how insurance companies treat nonpublic personal information. In our security practices generally, BFLIC strictly follows Georgia’s privacy law, which is, in most respects, more comprehensive and more stringent than the GLB standards.

In viewing and using the BFLIC Website, you understand that BFLIC, as an insurance company, obtains certain “nonpublic personally identifiable information” about you (“Personally Identifiable Information”). This Personally Identifiable Information includes information we receive from you on on-line applications for insurance or other forms, information about your transactions with us and information we may have received from a consumer reporting agency. BFLIC may use certain of your Personally Identifiable Information subject to the terms of this Privacy Policy.

BFLIC protects your Personally Identifiable Information by:

● restricting access to your Personally Identifiable Information to authorized individuals who need to know this information in order to provide service 
   and products to you;
● maintaining physical, electronic, and procedural safeguards that protect your Personally Identifiable Information;
● not disclosing Personally Identifiable Information about you or any former customers to anyone, exceptas permitted by law; and
● not allowing employees to share your Personally Identifiable Information outside the company except asauthorized by you or for a specific 
   business purpose. The law permits us to share this information with:
    - our affiliates, including insurance companies and insurance service providers
    - companies that perform marketing services for us, or other financial institutions the have jointmarketing agreements with us.

We may also share other types of information with our affiliates and others, including insurance companies and insurance service providers. This information may or may not be Personally Identifiable Information or other information and may not be directly related to our transaction with you. Consistent with the Fair Credit Reporting Act, our standard authorizations permit us to share this information with our affiliates.

You do not need to call, or do anything as a result of this Privacy Policy. It is meant to advise how we safeguard your Personally Identifiable Information. You may wish to file a copy of this Privacy Policy with your insurance papers. We make every effort to protect your Personally Identifiable Information and only use it as was intended by you and as allowed by law.

HIPAA Notice of Privacy Practices

The Health Insurance Portability and Accountability Act of 1996 (HIPAA) Privacy Rule allows members the right to receive a notice that describes how individual health information may be used and/or disclosed and how to acquire access to this information. BFLIC is fully committed to its ompliance with the Privacy Rule of HIPAA in safeguarding sensitive, Personal Identifiable Information about insureds, including identifiable health care and demographic data.

BFLIC is federally mandated to send a notice (Notice of Privacy Practices) to its insureds. You should be aware that your state law may afford additional access and amendment rights to you which differ from those granted by HIPAA. If you would like additional information concerning the collection and disclosure of protected health information and your rights under state law to access and amend such information, it will be furnished upon request. Please e-mail your request to: info@BFLIC.com.

The Information We Collect through the BFLIC Website

Certain of the information provided by BFLIC on the BFLIC Website is available without BFLIC collecting any Personally Identifiable Information from you. However, BFLIC does collect Personally Identifiable Information that you provide voluntarily or in the course of using the BFLIC Website. In order to retrieve or submit any information through the BFLIC Website, individuals must be affiliated with BFLIC as an agent, policyholder, employee, customer, provider, or otherwise have an account with BFLIC.

By submitting Personally Identifiable Information through the BFLIC Website, you agree to the terms of this Privacy Policy, you expressly consent to the processing of your Personally Identifiable Information according to this Privacy Policy, and you agree to the BFLIC Terms and Conditions of Use provided on the BFLIC Website (the "Terms and Conditions of Service").

The Personally Identifiable Information you submit to us through the BFLIC Website may be processed by us in the country where it was collected as well as other countries (including the United States) where laws regarding the processing of Personally Identifiable Information may be less stringent than the laws in your country.

We will not disclose your Personally Identifiable Information to others without your permission, except as explained in this Privacy Policy.

We do not sell, rent or trade any of the e-mail addresses that might be provided through the BFLIC Website to outside parties. We use the information we collect about you to facilitate to assist us in providing you with excellent products and services and to provide information to you about BFLIC and the products and services we offer.

We may use return e-mail addresses to send e-mails and to answer the e-mail we receive. We will also use Personally Identifiable Information for the purpose you provide. We may use our e-mail lists for sending newsletters and other BFLIC outbound communications, such as product information.

We also reserve the right to use your Personally Identifiable Information to send you e-mails regarding system downtime and/or changes to this Privacy Policy or the Terms and Conditions of Service, and you are not permitted to opt out of receiving these e-mail messages.

Though we will make every effort to preserve user privacy, we may need to disclose Personally Identifiable Information when required by law or if we have a good-faith belief that the action is necessary to comply with a pending judicial proceeding, a court order or legal process served on

BFLIC or to protect our rights or the rights of others, to fight fraud, identity theft, to ensure the integrity and operation of our organization and systems, or to protect the rights, property or safety of BFLIC, its employees, members or others.

Cookies, Web Beacons, Clear Gifs, and IP Addresses

 

BFLIC may also use a feature of your browser called a “cookie.” Your cookie automatically identifies your computer - but not you - to our servers when you visit the BFLIC Website and allows us to correlate your computer with certain usage patterns which are stored in our log files. We may use cookies to gather general, aggregate statistics about the overall popularity and usage of the BFLIC Website. BFLIC may also use more temporary cookies, often referred to as session cookies, to keep a user logged into the system and aid in the exchange of information between pages without loss of data. Such a cookie, however, is only stored for the current browsing session and is deleted once the browser is closed. Search for Cookies under your Web browser's Help menu for more information on cookie management features available to you. If your browser is set to reject all cookies, the BFLIC Website may not function properly.

BFLIC may also collect information through the use of clear gifs (also called Web Beacons and Web Bugs) in selected e-mail messages we send to you. These are tiny graphic files, not visible to the human eye, that are included in HTML-based e-mails and used to let us know which e-mails we send are opened. Clear gifs may also see or read cookies on your computer. When authorized by BFLIC, third parties specializing in monitoring aggregate statistical use of the BFLIC Website with whom we contract, may use cookies, our web log files, web beacons, and other monitoring technologies to compile anonymous aggregate data.

Additionally, we may use IP address information to count and track aggregate visits to the BFLIC Website, to help diagnose problems with our server, and to administer the BFLIC Website. BFLIC does not link IP addresses to anything personally identifiable, so while a particular user’s session can be tracked, the user remains completely anonymous.

Third-party Access and Use

Occasionally, we hire third-party service providers to help provide or improve the services we offer you.  Sometimes it is necessary for these providers to have access to the Personally Identifiable Information we collect about you. In those cases, we take reasonable steps to ensure that these providers do not use or otherwise disclose any Personally Identifiable Information we collect about you except for the purpose of fulfilling their service obligations to us.

Occasionally, we hire third-party service providers to help provide or improve the services we offer you.  Sometimes it is necessary for these providers to have access to the Personally Identifiable Information we collect about you. In those cases, we take reasonable steps to ensure that these providers do not use or otherwise disclose any Personally Identifiable Information we collect about you except for the purpose of fulfilling their service obligations to us.

We may share aggregate information about BFLIC Website users with certain third parties. This information shows user activity as a whole rather than on an individual basis; such aggregate information cannot be used to individually identify you. We may use such aggregated information we collect about BFLIC Website users to continue to improve our service for you.

In the unlikely event that BFLIC undergoes a sale or transfer of all or substantially all of its assets, the acquiring entity will be subject to this Privacy Policy in its use of your Personally Identifiable Information. In addition, in the further unlikely event that BFLIC is adjudicated bankrupt or insolvent (a) there will be no further use or disclosure of your Personally Identifiable Information by BFLIC and (b) your Personally Identifiable Information will be destroyed. In addition, there will be no use or disclosure of your personally identifiable Information by any entity that acquires assets of BFLIC pursuant to such bankruptcy or insolvency proceedings.

Other Websites and Links

The BFLIC website may include links to other websites that we think will be of interest to you and are not operated by BFLIC. These third party websites have separate data collection and privacy practices independent from ours, and BFLIC cannot be responsible for the policies or activities of such other websites. Please contact such third parties directly if you have questions about their privacy policies.

At certain places on the BFLIC Website, we may ask you if you are interested in learning more about BFLIC’s products and services. If you elect to receive this information, we may use your e-mail address or mailing address to respond to your inquiry. You may always decline the option of receiving information from us about BFLIC products and services. You may opt out of these mailings and other types of communications from us by sending an e-mail to: support@bflic.com. Please note that additional measures may have to be followed to opt out of mailings and other communications received from agents who are not employees of BFLIC.

You will not be able to opt out of receiving all types of communication, such as service announcements and administrative messages, as these types of information are a necessary part of your use of the BFLIC Website.  Modification of your account status or Personally Identifiable Information will not stop communications generated by or on behalf of BFLIC until BFLIC can accomplish the modification of the status of such information. We reserve the right to retain Personally Identifiable Information reasonably necessary to appropriately document our business activities, and for archival and record retention purposes.

How You Can Review Or Correct Your Personally Identifiable Information

Certain users of the BFLIC Website may review and make changes to some of the Personally Identifiable Information that we collect and maintain online by simply logging in to the BFLIC website by inputting their username and password where indicated and following the instructions provided.

You can also correct factual errors in your Personal Information by sending us a request that clearly shows the error that is to be corrected. Please contact us with such requests at: support@BFLIC.com. To protect your privacy and security, we will also take reasonable steps to verify your identity before granting access or making corrections. In addition, you may be prompted at certain times on the BFLIC Website to update and correct your Personally Identifiable Information with us. It is your responsibility to keep the information that you provide to us current and accurate.

Children's Privacy

The BFLIC Website is not intended to be used by children and is not directed toward children under the age of 13. BFLIC does not use the BFLIC Website to knowingly solicit data from or market to children under the age of 13. The BFLIC Website does not sell products for purchase by children. No person under 13 years of age should disclose information on the BFLIC Website. If you are under 18, you may use the BFLIC Website only with the involvement of a parent or guardian. Please visit www.ftc.gov/kidzprivacy to learn more about protecting children’s privacy.

Our Commitment To Data Security

To prevent unauthorized access, maintain data accuracy, and ensure the correct use of Personally Identifiable Information, we have put in place reasonable physical, electronic, and managerial procedures to safeguard and secure the Personally Identifiable Information we collect online, and we make good faith efforts to store your Personally Identifiable Information in a secure operating environment. Unfortunately, no data transmission over the Internet can be guaranteed to be absolutely secure. As a result, while we strive to protect your Personally Identifiable Information, we cannot ensure or warrant the security of any information you transmit to us, and you do so at your own risk. If BFLIC provides you with a user name and password to access portions of the Website, BFLIC disclaims any responsibility for a breach of privacy as a result of your willingly or inadvertently disclosing your user name and password to others. BFLIC further disclaims any responsibility for a breach of privacy as a result of your willingly or inadvertently disclosing your policy number(s) and social security number, which are in some instances used to access Personally Identifiable Information on the BFLIC Website.  If someone calls you, explains the call is on behalf of BFLIC and asks for your policy number or social security number, you should beware.

Changes to the Privacy Policy

We encourage you to review our Privacy Policy not just the first time you visit the BFLIC Website but periodically afterwards since we may modify our Privacy Policy from time to time. The date of the last update of the Privacy Policy will always be posted below:

THIS PRIVACY POLICY WAS LAST REVISED ON OCTOBER 12, 2011.

If we make any substantive changes to our Privacy Policy in the future with regard to how we use your Personally Identifiable Information, we will incorporate those changes here. Your continued use of the BFLIC Website after the changes are posted constitutes your agreement to the changes, both with regard to information we have previously collected from you and with regard to information we collect from you in the future. If you do not agree to the changes, please discontinue use of the BFLIC Website. Lastly, if BFLIC is sold or merged with another company, your Personally Identifiable Information will be included as part of the sale but unless you’re notified that the Privacy Policy is changed, your Personally Identifiable Information will be maintained in the same manner.

How To Contact Us

We appreciate your questions or comments about this Privacy Policy, the practices of the BFLIC Website, or your dealings with BFLIC. Please send e-mail to: info@BFLIC.com, or you can send snail mail to: P O Box 105185, Atlanta, GA 30348-5185.

Current State: None

Call Us Now 1.866.458.7504

CALL US NOW 1.866.458.7504