Personal Information: Any information that can identify a specific individual.
Aggregate Information: Any information that does not allow us to identify a specific individual. Examples include demographic information, areas visited on the Site or what browser was used to access the Site.
Cookie: Electronic files that your web browser places on your hard drive to retain information relating to visits to and use of a website. Although they allow you to visit the Site more efficiently, they may be disengaged by changing your browser properties.
Pixel Tags: An electronic image, often a single-pixel (1x1), which is ordinarily not visible to Site visitors and may be associated with cookies on the visitors' hard drives.
Internet Protocol Address: An address identifying number that is automatically assigned to your computer by your Internet Service Provider.
We may collect various types of voluntarily provided personal information from visitors to the Site. This includes such information as:
By submitting a telephone number to Talcott Resolution you agree that a representative of Talcott Resolution can contact you at the number you provide, potentially using automated technology (including texts/SMS messaging) or a pre-recorded message. Your consent is not an obligation to receive any of our products and/or services.
We use personal information provided by individuals who visit our Site to fulfill the purpose for which the visitor provided the information, such as:
We also may de-identify the personal information collected by removing identifiers such as your name or by aggregating information. We may use such aggregate information as described in the section "Other Information We Collect and How We Use It" found below.
We do not use information obtained on this Site for direct marketing purposes. If we share your information for such purpose we will inform you and provide you with an opt-out option, and upon request, a list of all third parties with whom personal information has been shared.
We work with third parties that provide services to us and we may share your personal information with them to complete those services. Those parties can include but are not limited to:
We may also share personal information about visitors, and customers with nonaffiliated companies with whom we have a marketing or other business relationship, including nonaffiliated financial services providers with whom we jointly market products.
We may disclose personal information to:
In the event there is a change in the corporate structure of Talcott Resolution, such as a merger, consolidation, sale, liquidation or transfer of substantial assets, Talcott Resolution may, in its sole discretion, transfer, sell or assign information collected on and through this Site, including personal information about you, to one or more affiliated or nonaffiliated third parties.
We may gather and store aggregate information about visitors. The collection of this aggregate information enables us to measure the number of visitors to various portions of the Site, diagnose problems with our server, administer the Site and track visitor activity.
We will use this aggregate information to learn more about what you and our customers are expecting from our services, and tailor and improve the Site. Because aggregate information collected on the Site does not personally identify you, we may use aggregate information for any purpose, and share aggregate information with third parties for any purpose. Below are ways we may collect this aggregate information:
Talcott Resolution’s Site is not directed to or intended for children. Talcott Resolution does not knowingly collect or post information from children under the age of 13 in compliance with laws protecting the privacy of children.
By using our Site, you affirm that you are at least 18 years of age or older. We are not liable for any damages that may result from a user’s misrepresentation of age.
No one under age 13 is authorized to submit or post any information, including personally identifying information, on our Site. Under no circumstances may anyone under age 13 use our Site. Parents or legal guardians of children under 13 cannot agree to these terms on their behalf.
You can visit the Federal Trade Commission's website to learn more about the Children's Online Privacy Protection Act (COPPA).
Talcott Resolution maintains profiles and/or pages on various social media sites including LinkedIn. If you choose to “Like”, “Follow”, or take any similar action on another social media website, you are providing your consent to receive information updates, including solicitations, from Talcott Resolution. To stop receiving this information from Talcott Resolution on a social media site, you must follow the procedure established by the website. For example, on LinkedIn, you must click “Unfollow” on Talcott Resolution’s profile.
We take reasonable precautions to safeguard the personal information transmitted between visitors and the Site and the personal information stored on our servers, and we require third parties with whom we share personal information to use reasonable precautions to safeguard such information. Unfortunately, no method of transmitting or storing data can be guaranteed to be 100% secure. As a result, although we strive to protect your personal information, we cannot ensure the security of any information you transmit to us through, or in connection with, the Site, and transmission of such data is therefore entirely at your own risk.
If you have reason to believe that your interaction with us is no longer secure (for example, you feel that the security of any account you might have with us has been compromised), you must immediately notify us of the problem by contacting us at Talcott Resolution, 1 Griffin Rd North, Windsor, CT 06095.
In the unlikely event that we believe the security of your personal information in our possession or control may have been compromised, we will notify you of such compromise if legally required to do so. If notification is required, we would endeavor to do so as promptly as possible in accordance with all applicable laws.
Security tip: If you receive an email or other correspondence requesting that you provide any sensitive information (including your password or Social Security number) via email or to a website that does not seem to be affiliated with the Site, or that otherwise seems suspicious to you, please do not provide such information. Report such requests to us at Talcott Resolution, 1 Griffin Rd North, Windsor, CT 06095.
Those who choose to access the Site, do so on their own initiative and at their own risk. By using the Site you consent to the transfer of your information collected on the Site to our United States operations. You are responsible for complying with all local laws, rules and regulations when you use our Site.
Effective Date: October 12, 2018
This Customer Privacy Notices applies to the United States Operation of Talcott Resolution Life, Inc., and its subsidiaries* (herein called "we", "our", and "us").
We value your trust. We work hard to manage, use, and protect Your Personal Information responsibly.
This notice describes how we collect, disclose, and protect the Personal Information of our policyholders ("you" and "your").
The types of Personal Information we collect about you depends on the types of products and services we provide to you. The Personal Information we have about you may include:
If you file a new or renewal application with us, we may also collect personal financial information from you and third parties such as consumer-reporting agencies, which may include the following:
We receive your Personal Information from:
The reasons we collect Personal Information are to:
We will not share your Personal Information for purposes unrelated to our business without allowing you to "opt-out" or "opt-in" as required by law. We do not, and do not intend, to sell your Personal Information for any purpose.
To serve you and our business, we may share Personal Information. We may share Personal Information, as allowed by law, with people and businesses that are affiliated with us. These may include, without limitation:
We may also share Personal Information, as allowed by law, with other third parties who help us serve you, respond to your requests, and manage our business. These may include:
If we have Personal Information about your medical records, illness, disability, or injury, we will only share that information:
We strive to maintain the confidentiality and the integrity of your Personal Information by:
Employees and other authorized people may access Personal Information only to:
At the start of our business relationship, we will give you a copy of our current Customer Privacy Notice.
You will receive a copy of our updated Consumer Privacy Notice once a year thereafter.
We will continue to follow our Consumer Privacy Notice after our business relationship is completed and we no longer need your Personal Information for ournormal business operations or to comply with the law.
*This Customer Privacy Notice is being provided on behalf of Talcott Resolution Life, Inc., and its subsidiaries, to the extent required by the Gramm-Leach-Bliley Act and implementing regulations. This includes American Maturity Life Insurance Company; Talcott Resolution International Life Reassurance Corporation; Talcott Resolution Life and Annuity Insurance Company; Talcott Resolution Life Insurance Company; Talcott Resolution Distribution Company, Inc.; and Talcott Resolution Comprehensive Employee Benefit Service Company.
Effective Date: March 15, 2021
The term "personal information" in this Notice refers to information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California resident or household.
Talcott Resolution collects your personal information when you-a customer, policy beneficiary, or visitor to our Website communicates with us by phone, e-mail, using our online Annuity Service Center, or from automated Website usage data when you visit our Website. With your permission, we may also collect your personal information from your broker or registered representative.
Personal information does not include information that has been anonymized or aggregated so that it no longer can reasonably be used to identify or be associated with a particular consumer or household. Also, personal information does not include information publicly available in government records.
We may use your personal information for the following purposes:
In the preceding twelve months, Talcott Resolution has not sold personal information for monetary or other consideration and has no present plans to do so.
The chart below summarizes the personal information we may have collected and shared for a business purpose during the past twelve months, depending on the types of interactions we had with you. The chart also lists the categories of third parties to whom we gave access to personal information during the past twelve months for our business purposes.
|Categories of Personal Information Collected in Past 12 Months||Specific Pieces of Personal Information Collected in the Past 12 Months||Source of Personal Information||Third Party Access for Business Purposes (See description of categories below chart)|
|Personal identifiers of customers, policy beneficiaries, and policy claimants||
|Consumer identifiable data||
|Commercial activity information||
|Internet and other electronic network activity||
During the past twelve months, we provided access to personal information to the categories of third parties described below. Each of these service providers and other third parties (except legal authorities) is permitted to use or disclose your personal information only on behalf of Talcott Resolution to support our business purposes or for any other purposes that you authorize.
Affiliated Companies. We share personal information with our affiliated companies and engage affiliated companies to support the administration of your contracts.
Investment Professionals and Registered Representatives. We may work with your registered representatives and their associated brokers to facilitate communication with you and service your account. This is only done with your consent.
Third Party Administrators. We engage third party administrators and Affiliated Companies to administer contracts and process policy claims.
Information Technology and Other Service Providers. We engage third party vendors to support various administrative and technology operations. Examples include: data processing; hosting our website and Annuity Services Center; fraud detection services; and providing information technology support, hosting, systems security, and storage.
Risk Management Providers: We may disclose personal information to service providers who assist with fraud prevention, identity verification, and protection of the rights, privacy, safety, and property of our customers, employees, and business.
Data Analytics Services: When you use our Website, online usage data about you and your activities are collected by third-party data analytics services using cookies and similar technologies. We use this data to monitor the performance and security of our online services. The data analytics providers may also use the aggregated data they collect on our Websites for their own business purposes.
Professional Services. We engage accountants, actuaries, lawyers, and other professionals to provide services that may involve access to personal information. They, too, may use the personal information solely to assist Talcott Resolution.
Business Transaction Parties: We reserve the right to disclose or transfer your personal information, subject to appropriate confidentiality safeguards, in connection with a business transaction such as a financing, reorganization, merger, or substantial sale of a business.
You have the right to request any of the following information we collected during the last twelve months about you or your household ("Right to Know"):
The process by which we verify and respond to your requests is explained below under "How to Make a Verifiable California Consumer Request" and "How We Will Respond to a California Consumer Request."
You have the right to request that we delete personal information which we have about you, subject to a range of exclusions permitted by law ("Right to Delete"). For example, we are not required to delete personal information if it is necessary to complete a transaction, is reasonably used for an ongoing business relationship, or is used internally in a lawful manner that is compatible with the context in which you provided the information.
We will let you know within ten days that we received your request. We may take steps to confirm the request and verify the identity and authority of the person submitting the request. If the Right to Delete request is confirmed and verified, we will delete (and direct our service providers to delete) the requested personal information from our records, unless an exclusion applies. If we are unable to fulfill all or part of your request, we will let you know why (for example, if we have a permitted reason to retain certain information if the identity of the requesting person cannot be verified).
The process by which we verify and respond to your requests is explained below under "How to Make a Verifiable California Consumer Request" and "How We Will Respond to a California Consumer Request."
California consumers have the right to designate an authorized agent to act on their behalf to submit a Right to Know or Right to Delete request. An authorized agent may be a natural person or a business entity registered with the Secretary of State. An authorized agent must also submit to us written proof of their authorization to act on the consumer's behalf.
You may submit a request to exercise the rights described above or to contact us about our privacy policies and practices by using any of the following methods:
|By phone:||Please call our Annuity Contact Center at 1-800-862-6668, Monday through Thursday, 8:00 a.m. to 7:00 p.m., or Friday, 9:15 am. to 6:00 p.m., Eastern Time.|
|By postal mail:||Talcott Resolution
Attn: Consumer Privacy Request
1 Griffin Road North, Windsor, CT 06095
Please note that in order for us to verify certain requests (including verification of your identity, California residency, and - for requests made on behalf of someone else - your relationship with the individual on whose behalf the request is being made), you may be required to confirm information that we have on file for you, including full name, address, phone number, contract number, and other personal information. We reserve the right to deny a consumer request if the identity or authority of the requesting party cannot be verified.
We will confirm receipt of your Right to Know or Right to Delete request within ten days and may request additional information necessary to verify your identity. We will respond to any verifiable consumer request within 45 days of receiving it, subject to delays and exclusions permitted by law. If we require more time to respond, we will let you know the reason why and the extension period in writing. We will use the U.S. Postal address you provided to us when you submitted the request.
For a Right to Know request, our response will cover the 12-month period preceding our receipt of the request. If we cannot comply with all or part of your request, we will explain the reasons why. We will use a format to provide your information that is portable and should allow you to transmit the information readily from one entity to another entity.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
We will not discriminate against a California consumer for exercising any of the rights described in this section. This means that except as legally permitted we will not:
Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
Effective Date: April, 15, 2021
We value your trust. We are committed to the responsible:
of your Personal Information.
In general, we collect Personal Information to:
We may obtain Personal Information from:
Based on the type of product or service You apply for or get from us, we may collect Personal Information. We may use this information to:
To serve You and service our business, we may share certain Personal Information with our affiliates and third-parties, including affiliates such as our insurance companies, our employee agents, our brokerage firms, and our administrators; and including third parties such as contractors, agents or administrators under contract to perform services on our behalf, with independent agents, brokerage firms, and insurance companies to serve you; and service providers to administer or investigate claims, to store Personal Information, market our products or services, or administer surveys.
We only transfer or disclose Personal Health Information with:
Your Personal Information may be maintained and processed by our affiliates and other third party service providers in the US or other jurisdictions. Third parties are given the information they need to perform their designated functions, and we do not authorize them to use or disclose Personal Information for their own marketing or other purposes. For details on the manner in which our service providers treat your Personal Information, contact us as set forth below.
If your Personal Information is shared, stored and/or processed in foreign jurisdictions, your Personal Information may be subject to the foreign jurisdiction’s laws and available to its courts, regulatory agencies and law enforcement authorities.
With your consent or when allowed by law, we may use or share certain Personal Information with third parties who:
We will not sell or share your Personal Information with anyone for these optional purposes without offering You the opportunity to:
as required by law.
We may transfer any information we have about you as an asset in connection with a proposed or completed merger or sale (including transfers made as part of insolvency or bankruptcy proceedings) involving all or part of Talcott Resolution or as part of a corporate reorganization or other change in corporate control.
We may otherwise provide your Personal Information in response to a search warrant or other legally valid inquiry or order, in the case of a breach of an agreement or contravention of law, or as required or permitted by applicable Canadian, US or other law. We may also disclose Personal Information where necessary for the establishment, exercise or defense of legal claims and to investigate or prevent actual or suspect loss or harm to persons or property.
We have implemented technical, physical, and administrative safeguards designed to maintain:
Personal Information in our custody or control. We use these procedures to guard against unauthorized access, use, modification, and disclosure of such Personal Information.We:
We are committed to the use of accurate Personal Information. You may request access to your Personal Information and seek correction of any inaccurate Personal Information. However, such access may be limited where we are under legal restrictions on disclosure or need to protect our rights and those of other persons, such as:
We retain Personal Information for so long as is required to enable us to fulfill all of the purposes for which such information was collected and to meet our legal and contractual obligations.
For general information, information about our privacy practices, complaints, or written access requests, contact:Talcott Resolution (Canadian Operations)
Application means your request for our product or service.
Personal Health Information means health information such as:
Personal Information is information about an identifiable individual, such as:
Transaction means your business dealings with us, such as:
You means an individual who has given us Personal Information in conjunction with:
a financial product or service from us.
Effective Date: April 15, 2020
New York Insurance Law §2612 domestic violence law provides victims of domestic violence with important protections. Illinois Administrative Code Section 2028 provides similar protections for victims of actual or threatened violence, including domestic violence. A victim, the legal representative of the victim or, if a child is the covered person, the child’s parent or guardian may request to receive policy information at an alternate address, telephone number, or other method of contact.
Upon delivery of a valid order of protection or a reasonable request for confidentiality, the insurer is prohibited (for the duration of the order or request) from disclosing to the policyholder or other person the address, telephone number, or any other personally identifying information of the insured, of any person or entity providing health services to the insured, the nature of the health services provided, or any other information from which there is a reasonable basis to believe the forgoing information could be obtained.
If a child is a covered person, then the right established by this section may be asserted by the child’s parent or guardian. The full text of New York Insurance Law Section 2612 can be found on the New York State Legislature’s website. The full text of Illinois Administrative Code (Title 50: Insurance, Chapter I, Subchapter z, Part 2028) can be found on the Illinois General Assembly website.
Talcott Resolution Life has adopted procedures to maintain the confidentiality of, and to refrain from disclosing, the information protected by the above statutes. To submit a request to receive communications by alternative means or at alternative locations, or to revoke such a request, please contact Talcott Resolution Operations Compliance at the following address:Postal Address:
After a reasonable request has been received, a requester may revoke the prior request by submitting a written sworn statement revoking the request to Talcott Resolution Life at the address above.
For New York Residents:
For further information on domestic violence services, you may contact the NYS Domestic and Sexual Violence Hotline by the following
For Illinois Residents:
For further information on domestic violence services, you may contact the State of Illinois Domestic Violence Helpline by the following:
Effective Date: May 31, 2018
We value your trust, and we are committed to the responsible protection of your Social Security number ("SSN"). This notice applies to any SSN that we collect in the course of our business. We protect the confidentiality of SSNs, including by maintaining manual and electronic security procedures to guard against unauthorized access to SSNs. We also limit access to SSNs, including by only granting access to SSNs to our employees who use that information to perform their job-related duties. In addition, we do not disclose SSNs to third parties, except where required or permitted by law.
Effective Date: May 31, 2018