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Protecting the Privacy of Your Information

We are pleased that you have chosen one of the United Heritage companies to provide you with our products or services. Preserving your trust is a core value of United Heritage. Routinely, we obtain personal information concerning you or your family members in connection with the services and products you have requested from us. United Heritage considers your information private and takes great care to protect its confidentiality. We recognize that you expect us to protect the information you provide to us and use it responsibly. Through this Notice, we want you to know and understand how we protect your privacy and your rights regarding your personal information. In this Notice, the words "you" and "customer" are used to mean any individual who obtains or has obtained an insurance product or service from United Heritage that is to be used primarily for personal, family or household purposes.



How and Why We Use Your Information

Generally, United Heritage collects and uses public and nonpublic personal information about you, which may include your financial and/or health information, so that we may provide the products and services you have requested from us. "Use" of your information may include disclosure thereof to third parties, as defined in this Notice. We have established procedures to ensure that the information we collect is accurate, current, and complete.



The Types of Information We Collect and How We Collect It

The information we collect and the extent to which we use it will vary depending on the product or service involved. In fact, in certain cases, we may not collect some of the types of information noted below. However, in any event, the personal information we obtain about you is collected for business purposes only and is treated as strictly confidential.

You are our most important source of information, but we may also collect or verify information by contacting third parties who are not affiliated with United Heritage. We may collect this information via written or electronic correspondence, telephone, or personal contact. Depending on the type of policy you have, United Heritage may collect:

  • Information we receive from you on applications or other forms you complete, such as your name, address, phone number, other insurance information, assets, and certain account values;
  • Information about your transactions with us, our affiliates, or others, such as your payment history or account balances;
  • Information we receive from consumer credit reporting agencies, such as the number of open credit accounts and your credit history;
  • Information we receive from other non-affiliated companies, such as your medical history, pharmacy records or your claims history; and
  • Information we obtain from federal, state or local governmental records, such as mortgage information.



With Whom United Heritage Shares Your Information and Why

In general, our disclosures are to parties that provide services for us so that we may efficiently process the transactions and services you request and maintain your policy once issued. It is often necessary to share your personal information with individuals or organizations outside the United Heritage companies. This could include your insurance agent or an insurance support organization such as the Medical Information Bureau. The Medical Information Bureau, upon receipt of a request from you, will arrange disclosure of any information it may have in your file. If you question the accuracy of this information, you may contact the Bureau and seek correction in accordance with the procedures set forth in the Federal Fair Credit Reporting Act. The Bureau's address is 50 Braintree Hill Park, Suite 400, Braintree, Massachusetts 02184-8734. Telephone 866-692-6901. Website: www.mib.com.


We may also share your information to comply with reporting and/or other legal requirements, or to otherwise conduct our business as permitted by law. These disclosures include, but are not limited to, disclosures to insurance rate advisory organizations, guaranty funds or agencies, reinsurers, ratings agencies, and our attorneys, auditors, or accountants. We may also disclose information to comply with federal, state, or local laws, rules and other applicable legal requirements.


Regardless of the reason we share your information, we require strict confidentiality by the receiving parties and limit the use of the information for the purpose for which it was disclosed.



What Information We Will Not Share

United Heritage does not share your personal information with affiliated or nonaffiliated third parties for reasons other than those permitted by law. We do not share, internally or externally, personally identifiable medical information for any purpose unless you have authorized the disclosure, or the disclosure is necessary to process your transactions, or to provide services you have requested, or the disclosure is permitted by law. We do not sell lists of our customers, nor do we disclose customer information to marketing companies.



Who Has Access To Your Information

We have security practices and procedures in place to prevent unauthorized access to your information. Our practices of safeguarding your information help protect against its unauthorized use. Generally, we restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with state and federal standards to guard your nonpublic personal information.



Former Customers

If you end your relationship with United Heritage, we will adhere to the information policies and practices described in this Notice.



Review Policy Online

We will reaffirm this policy annually in writing, as long as you maintain an on-going customer relationship with any of the United Heritage companies. While this policy may change from time to time, you can always review our current policy online at www.unitedheritage.com.



How You Can Find Out More

If you have any questions regarding this Notice, please contact the Company with whom you may have a relationship at one of the below listed addresses or telephone numbers:


United Heritage Life Insurance Company
P.O. Box 7777, Meridian, ID 83680-7777
Phone: (800) 657-6351



United Heritage Property & Casualty Company
P.O. Box 5555, Meridian, ID 83680-5555
Phone: (800) 877-8862



For a reasonable fee, we will provide you copies of any personal information in your file. Medical information, however, will be supplied to you through the medical professional you designate. If you would like a copy of a consumer investigative report, we will give you the name and address of the company that prepared it so you may contact them directly. You also have the right to request the correction, amendment, or deletion of recorded personal information about you. Within thirty business days after we receive your written request for a correction, amendment or deletion, you will be informed in writing of the acceptance or refusal of your request, including the reason for any refusal.