A “consumer” is a person who seeks or obtains products or services from us for personal, family or household needs. Only a natural person may be a consumer.
“Personal information” is information about a consumer that is not publicly available.
Information We May Collect
We may collect personal information from:
- People who apply for products from us;
- People who have purchased products from us;
- Beneficiaries under our products;
- The consumer’s transactions with us, our affiliates, our agents or others;
- Consumer reporting agencies or insurance support organizations; and
- Other third parties as applicable.
Information We May Disclose
We do not disclose personal information, except as required or allowed by law. Sometimes we are allowed to disclose personal information without consent.
Examples of such disclosures may include:
- To a person who performs administrative, business, professional, or insurance functions for us;
- To confirm eligibility for benefits or payments;
- To insurance regulators or guaranty funds;
- To law enforcement, including for the detection or prevention of crime or fraud;
- In response to subpoenas, search warrants or other court orders;
- To a public agency that may have paid benefits for a consumer;
- To a person with a legal interest in a policy or contract issued by us;
- As otherwise required or allowed by law.
Our employees, agents, outside vendors and others have access to personal information only when they have a business reason to do so. We have physical, electronic, and procedural safeguards to prevent unauthorized access.
Right to Review & Correct Personal Information
A consumer who lives in AZ, CA, CT, GA, IL, MA, ME, MT, NC, NJ, OH, OR, VA may review personal information that we have gathered about the consumer. The consumer may send a letter requesting this information to: Life Privacy Department, 1314 Douglas St., Ste. 1400, Omaha, NE 68102. The letter should include name, address, phone number, policy or contract number and describe the records that the consumer wants to review. Upon receipt of this request, we will review our records and inform the consumer if we have the information sought and if it is reasonably locatable and retrievable. If it is, the consumer may review the information in person or request that we mail a copy. We will disclose to the consumer who else received the information in the past two years or who would normally have received it in the past two years. We may charge the consumer a fee.
The consumer may ask us to fix mistakes in our records. If we agree, we will correct our files. Upon request, we will send revised information to a person who received information from us in the past 2 years. If we disagree, the consumer may file a short statement of dispute. The statement will be included with information we share in the future. Upon request, we will send the statement to a person who received information from us in the past 2 years.
Medical Record Rights
A consumer who lives in MT may ask for a record of medical record information we have disclosed. To make such a request, the consumer may send a letter to: Life Privacy Department, 1314 Douglas St., Ste. 1400, Omaha, NE 68102.
Changes to Policy
We may change this policy at any time. We will provide advance notice of changes if required by law.
Why Does BHGSS Request Personal Information from Me?
Through BHGSS’ website, you may request various kinds of information. For example, on one page, you may request information concerning your annuity contract. You may choose to submit a change form.
To assist us in fulfilling your request, we will ask you to submit certain limited personal information. We intend to use the information you provide only in the normal course of our business.
What Information Does BHGSS Collect About Me?
We only request limited amounts and types of information from visitors to our website. The nature of information we request will depend on the purpose for your visit to our website and will be evident from the page you are viewing. We do not collect specifically-identifiable personal information when you visit the website unless you choose to provide such information. Certain personal information is required, however, if you wish us to process certain types of transactions or requests, such as a request for benefit information, change requests, death notices, or payment verification.
Certain portions of BHGSS's Website may employ cookies. Cookies are small pieces of information that are stored by your browser on your hard drive. They enable you to use the website more efficiently by storing certain contact information (such as your name, phone number, and the like) that you provide. If you revisit the website before the cookies expire, the stored information you have provided will be recalled. Thus, you will not have to re-enter your contact information if you choose to request another quote at a later date.
If utilized, BHGSS's Website uses persistent cookies with a 60-day lifetime. These cookies automatically expire after sixty days. You are free to decline cookies if your browser permits. You will still be able to use the website, but will have to re-enter your information if you visit the website in the future.
Is My Information Secure?
BHGSS endeavors to handle your information in a secure manner and limits access to the information that you submit through its website. Our personnel adhere to high standards of ethics and integrity in performing their jobs and conducting the business of BHGSS.