Privacy Policy

Online Privacy Policy

Talcott Resolution values your trust and is committed to the responsible management, use and protection of personal information. This Online Privacy Policy describes and supplements other applicable policies, practices and privacy notices that may relate to specific business relationships you have with Talcott Resolution or to certain products or services, as described in the particular privacy notice. At the start of our business relationship with you as a client, we will give you a copy of our Privacy Notice that applies to that relationship if applicable.

This Online Privacy Policy is applicable to all the information collected by Talcott Resolution from you during your use of our Website, www.talcottresolution.com, and its affiliate sites. We will refer to these websites collectively as the "Site" or the "Talcott Resolution Site" throughout this Online Privacy Policy.

Quick Links

Definitions of terms used on this Site

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.

Types of personal information we collect

We may collect various types of voluntarily provided personal information from visitors to the Site. This includes such information as:

  • Names, addresses, email addresses, and other application information and, in some instances, Social Security numbers.
  • Phone numbers, birthdates, or claim information that identifies a specific individual.
  • If you apply for a job with us or register with our career center, we may store your password and a hint as well as information about your work and educational history.
  • Details of your visits to our Site and the resources that you access, including, but not limited to, traffic data, location data, weblogs and other communication data, including your Internet Protocol Address, the date and time you accessed or left the Site and which pages you viewed. Some parts of our Site use cookies and other technologies to collect this information about your general internet usage.

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.

How we use personal information

We use personal information provided by individuals who visit our Site to fulfill the purpose for which the visitor provided the information, such as:

  • Completing transactions
  • Processing claims
  • Sending you information we think may be of interest to you
  • Informing you of job opportunities and evaluating your suitability for a job
  • Completing a survey
  • Other purposes specifically disclosed at the time the information is requested

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.

How we disclose personal information

Disclosures among our Affiliates

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.

Disclosures to Third Parties

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:

  • Independent agents, brokerage firms, insurance companies, and other financial service providers
  • Website hosting or information technology consulting service provider
  • Marketing and promotion service providers
  • Data analysis service providers
  • Legal service providers
  • Accounting service providers
  • Administrative service providers
  • Security service providers
  • Application service providers

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.

Other Disclosures

We may disclose personal information to:

  • Comply with applicable laws
  • Respond to governmental inquires or requests
  • Comply with valid legal processes
  • Protect the rights, privacy, safety or property of www.talcottresolution.com visitors, customers and the public
  • Permit us to pursue available remedies or limit the damages that we may sustain
  • Enforce our Terms of Service

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.

Other information we collect and how we use it

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:

  • HTTP cookies, flash cookies, or other similar technologies.
    • Flash cookies are small pieces of information stored and accessed by Adobe Flash. If you want to disable these flash cookies, you’ll need to open up the Adobe Settings Manager, accessible either by right-clicking flash content and clicking “Global Settings,” or by navigating directly to your storage settings through the Flash Website. There you can clear some or all of your flash cookies manually through the Website Storage panel, or even turn off Flash Storage completely. However, please remember this could prevent some parts of our Site from working properly.
  • Pixel-tags also known as web beacons or clear GIF's or similar means. The data collected includes such anonymous information as what operating system and browser you use, how you navigate to and through our Site, how long you stay on our web pages, and when you open emails from us.
  • Internet Protocol address which is identified and logged automatically in our server log files whenever you visit the Site, along with the time(s) of your visit(s) and the page(s) that you visited. Collecting Internet Protocol addresses is standard practice on the Internet and is done automatically by many websites. We may also use Google Analytics, a web analytics service provided by Google, Inc. (“Google”) to gather and store aggregate information about visitors. Please use the following link to understand how Google Analytics collects and processes data: www.google.com/policies/privacy/partners. Google Analytics uses cookies (see the link for how) to help the website analyze how users use the site. The information generated by the cookie about your use of the website (which may include your IP address) will be transmitted to and stored by Google. We and the third parties we partner with currently do not process or comply with any web browser's "do not track" signal or other similar mechanism that indicates a request to disable online tracking of individual users who visit our websites or use our services. Some of our third party service providers may collect personal information on users of our Site over time and across different websites when users are visiting our Site.

Links to other websites

This Site contains links to other websites. The operators of those other websites may collect information about you, through cookies or other technologies. If you link to another website, you will leave the Talcott Resolution Site and this Online Privacy Policy will not apply to your use of and activity on those other websites. If you provide personal information through any other website, your transaction will occur on that website (not the Talcott Resolution Site) and the personal information you provide will be collected by, and controlled by, the privacy policy of that website operator. Links on the Site to other websites are provided only as a convenience, and the inclusion of such links does not imply endorsement of the linked website. We encourage you to read the legal notice posted on those websites, including their privacy policies. We have no responsibility or liability for your access or use of, and the data collection and use practices of, other sites.

Children's privacy

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).

Social media

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.

Our security procedures

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.

Where Talcott Resolution stores and maintains information

This Online Privacy Policy applies to our United States operations. We maintain the Site in the United States and the Site is not intended to subject Talcott Resolution or any affiliated entity to the laws or jurisdiction of any state, country or territory other than that of the United States. Talcott Resolution does not represent or warrant that the Site, or any part thereof, is appropriate or available for use in any particular jurisdiction.

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.

Changes to policy

We reserve the right to amend this Online Privacy Policy at any time in order to address future developments of Talcott Resolution, the Site or changes in industry or legal trends. If we materially alter these terms, we will post the revised Online Privacy Policy on the Site or announce the change on the home page of the Site. You can determine when the Online Privacy Policy was revised by referring to the "Last Updated" legend on the top of this policy. Any changes will become effective upon the posting of the revised Online Privacy Policy on the Site.

By continuing to use the Site following such changes, you will be deemed to have agreed to such changes. If you do not agree with the terms of this Online Privacy Policy, in whole or part, you can choose to not continue to use the Site. If you have any questions, complaints or comments about this Online Privacy Policy, please feel free to contact us at Talcott Resolution, 1 Griffin Rd North, Windsor, CT 06095, Privacy@talcottresolution.com and/or 1-(800) 862-6668.

Effective Date: October 12, 2018

Customer Privacy Notice

This Customer Privacy Notices applies to the United States Operation of Talcott Resolution Life, Inc., and its subsidiaries* (herein called "we", "our", and "us").

This Privacy Policy applies to our United States Operations.

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:

  • Name.
  • Social Security number.
  • Date of birth.
  • Street address.
  • Email address.
  • Telephone number.
  • Credit card, debit card, or banking information.
  • Policy information.
  • Claim information.
  • Medical records, if applicable.
  • Information about your illness, disability, or injury, if applicable.

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:

  • Credit history.
  • Income.
  • Financial benefits.
  • Policy or claim information.

We receive your Personal Information from:

  • Your application.
  • Your request to pay a claim.
  • Your request to take action on your account.
  • Your other communcations with us.
  • Your insurance agent or broker.
  • Our policy administrators.

The reasons we collect Personal Information are to:

  • Service your policy.
  • Support our core business activities.
  • Engage in marketing and sales activities.

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:

  • Insurance companies.
  • Employees.
  • Brokerage firms.
  • Administrators who help us provide services to policyholders.

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:

  • Brokerage firms.
  • Insurance companies.
  • Administrators who help us service policyholders.
  • Providers of business and technology services.
  • Independent insurance agents and brokers.
  • Companies that help us with consumer surveys, branding, and marketing.

If we have Personal Information about your medical records, illness, disability, or injury, we will only share that information:

  • With your written permission, or
  • As allowed or required by law.

We strive to maintain the confidentiality and the integrity of your Personal Information by:

  • Using security safeguards to protect against unauthorized access or disclosure.
  • Identifying our records that contain Personal Information.
  • Restricting access to Personal Information to those people who need it for their job-related duties.

Employees and other authorized people may access Personal Information only to:

  • Respond to questions and provide services about policies.
  • Pay claims.
  • Communication with policyholders and their representatives about our policies and services.
  • Underwrite policies.
  • Provide business support services.

Employees who violate our Privacy Policy may be subject to discipline.

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

Notice for California Consumers

California Consumer Privacy Act

This Notice for California Consumers supplements the Talcott Resolution Customer Privacy Notice and Online Privacy Policy. This Notice applies only to consumers who reside in the State of California (“you”) and provides information about your rights under the California Consumer Privacy Act of 2018. This Notice does not apply to Talcott Resolution personnel or to California residents whose information we obtain in business to business interactions.

Notice at Collection of Personal Information

Personal Information We Collect

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.

How We Use Personal Information

We may use your personal information for the following purposes:

  • Communicate with you, answer your questions, process account changes, facilitate payments, and service your account
  • Administer and pay claims
  • Verify identity
  • Manage our business and financial operations including information technology
  • Manage online services: analyze and protect the security, performance and functioning of our Website and online Annuity Service Center
  • Analyze aggregated data about past claims to plan for future financial needs
  • Comply with laws and legal process
  • Enforce our Terms of Use and other agreements; and comply with applicable laws
  • Manage risks to the rights, privacy, property and safety of our customers, employees and business (such as identity theft, data misuse, and claims fraud)
  • Undertake business restructuring or similar transactions that may entail disclosure or transfer of personal information subject to appropriate data protection obligations.

No Sales of Personal Information

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.

Personal Information We Collect and Share for a Business Purpose

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
  • Name, postal address, email address, and telephone number
  • Social security number, government-issued identification number, Tax identification number (TIN)
  • Customer input and/or update
  • Broker input and/or update
  • Credit reports
  • Beneficiary claim submission
  • Investment professional (with consent)
  • Affiliated companies
  • Third party administrators
  • Information Technology and other service providers
  • Payment processors
Online identifiers
  • Encrypted username and password
  • Security questions and answers
  • Your computer's Internet protocol (IP) address, mobile device (phone or tablet) identifier obtained from online usage data.
  • Customer input and/or update
  • Broker input and/or update
  • Credit reports
  • Internet tracking technologies
  • Investment professional (with consent)
  • Third Party Administrators
  • Payment Processors
  • Information Technology and other service providers
Consumer identifiable data
  • Credit/debit card and bank or other financial account numbers if used to make a premium payment or complete a transaction
  • Signature
  • Insurance policy number, policy and plan type, and terms
  • Medical information
  • Health insurance information
  • Birth certificate, marriage certificate, or death certificate
  • Customer or policy beneficiary input and/or update
  • Broker input and/or update
  • Beneficiary claim submission
  • Investment professional (with consent)
  • Third party administrators
  • Affiliated companies
  • Payment processors
  • Information Technology and other service providers
Commercial activity information
  • Billing and payment history
  • Credit reports
  • Purchasing history
  • Policy application form
  • Policy claims history and claim information
  • Other transactions with Talcott Resolution and affiliate companies
  • Customer application
  • Beneficiary claim
  • Third Party Administrators
  • Affiliated Companies
  • Business records of acquired companies
  • Investment professional (with consent)
  • Third party administrators
  • Affiliated companies
  • Payment processors
  • Information Technology and other service providers
Personal characteristics
  • Age/date of birth
  • Sex
  • Gender
  • Marital status
  • Medical condition
  • Disability
  • Citizenship
  • Customer application
  • Customer input and/or update
  • Investment professional (with consent)
  • Third party administrators
  • Affiliated companies
  • Information Technology and other service providers
Internet and other electronic network activity
  • Internet browsing history
  • Search history, and interactions with our website, other websites
  • Internet tracking technologies
  • Website analytics providers
Audio recordings
  • Recordings of calls to our Call Center
  • Customer calls
  • Beneficiary/claimant calls
  • Information Technology and Other Service Providers
Geolocation data
  • General location derived from IP addresses and mobile device data.
  • Caller's device
  • Service providers
  • Website analytics providers

Third Parties and Service Providers

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.

Payment Processors. We use third-party payment services to process premium and claims payments. Your personal information as needed to process the transaction will be collected by the payment processor-not by us-and will be subject to the processor's privacy policy, rather than this Privacy Policy.

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.

Legal Process and Enforcement: We may disclose personal information to third parties to enforce our Terms of Use, respond to and resolve claims or complaints, and comply with laws, and respond to law enforcement or legal process or a request for cooperation by a government entity, whether or not legally required.

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.

Right to Know about Personal Information We Collect, Use, Disclose, or Sell

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"):

  1. Specific pieces of personal information collected (except for very sensitive personally identifiable information, which we will describe but not transmit).
  2. Categories of personal information collected;
  3. Categories of sources from which the personal information is collected;
  4. Categories of personal information sold or disclosed for a business purpose;
  5. Categories of third parties to whom the personal information was sold or disclosed for a business purpose; and
  6. The business or commercial purpose for collecting or selling the personal information.

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."

Right to Deletion of Personal Information

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."

Right to Designate an Authorized Agent

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.

How to Make a Verifiable California Consumer Request

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.

How We Will Respond to a California Consumer Request

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.

Protection from Discrimination for Exercising California Consumer Rights

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:

  1. Deny you goods or services.
  2. Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
  3. Provide you a different level or quality of goods or services.

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

Canadian Privacy Policy

This Privacy Policy applies to our Canadian Operations.

We value your trust. We are committed to the responsible:

  1. management;
  2. use; and
  3. protection;

of your Personal Information.

This Privacy Policy describes how we, with your express or implied consent or as otherwise permitted or required by law, collect, use, disclose, and protect Personal Information. By purchasing or applying for our products and services you are giving your consent to our collection, use and sharing of your personal information in accordance with this Privacy Policy. You may withdraw your consent to our use of your Personal Information by contacting us as indicated below. However, if you do so, our ability to provide, or continue to provide, products, coverage and/or services to you may be affected.

Personal Information Collection and Use

In general, we collect Personal Information to:

  1. service your Transactions with us; and
  2. support our business functions.

We may obtain Personal Information from:

  1. You, such as in connection with your Transactions with us; and
  2. third parties, such as a consumer-reporting agency, insurance broker or agent, government authority, and employer.

Please see our Online Privacy Policy, which addresses our online data collection practices.

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:

  1. underwrite policies;
  2. process claims;
  3. facilitate payments;
  4. develop new products;
  5. advise you of new products and services; and
  6. detect or prevent fraud.

Sharing of Personal Information

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:

  1. your written authorization; or
  2. as otherwise allowed or required by law.

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:

  1. market our products or services; or
  2. offer financial products or services under a joint marketing agreement between us and one or more financial institutions.

We will not sell or share your Personal Information with anyone for these optional purposes without offering You the opportunity to:

  1. "opt-out;" or
  2. "opt-in;"

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.

Safeguarding Your Information

We have implemented technical, physical, and administrative safeguards designed to maintain:

  1. the confidentiality; and
  2. the integrity of;

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:
  1. identify information to be protected; and
  2. provide an adequate level of protection appropriate to the sensitivity of the Personal Information.
Some techniques we use to protect Personal Information include:
  1. secure files;
  2. user authentication;
  3. encryption;
  4. firewall technology; and
  5. the use of detection software.

Our employees have access to Personal Information in the course of doing their jobs. We limit access to our Personal Information to those employees who require such access to perform their job-related duties. Employees who violate our Privacy Policy will be subject to discipline, which may include termination of their employment with us.

Changes to This Privacy Policy

This Privacy Policy may be updated periodically to reflect changes to our Personal Information practices. The revised Privacy Policy will be posted on our website, and is available upon request.

We will continue to follow our Privacy Policy regarding Personal Information even when a business relationship no longer exists between us.

Access to Your Information; Retention of Your Information

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:

  • Information subject to a legal privilege;
  • Where disclosure would likely reveal personal information of a third party;
  • Where disclosure would reveal our confidential information;
  • Where disclosure would likely compromise the security of another person or of an investigation concerning a claim or other legal matter; or
  • Where disclosure would violate applicable law or a properly-issued court or administrative order.

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.

How to Contact Us

For general information, information about our privacy practices, complaints, or written access requests, contact:

Talcott Resolution (Canadian Operations)
Attn: Privacy Law Attorney
1 Griffin Road North, Windsor, CT 06095
Phone: 1-800-862-6668

Defined Terms As Used in this Privacy Policy:

Application means your request for our product or service.

Personal Health Information means health information such as:

  1. your medical records; or
  2. information about your illness, disability or injury.

Personal Information is information about an identifiable individual, such as:

  1. your name;
  2. your address;
  3. your payment information;
  4. your personal financial information, such as your credit card, debit card, or bank account numbers, credit history, income information, or financial benefits information;
  5. your policy or claim information
  6. your driver’s license number or other government issued identification;
  7. your employment information,
  8. Personal Health Information, or
  9. and other information that is about an identifiable individual.

Transaction means your business dealings with us, such as:

  1. your Application;
  2. your request for us to pay a claim; and
  3. your request for us to take action on your account.

You means an individual who has given us Personal Information in conjunction with:

  1. asking about;
  2. applying for; or
  3. obtaining;

a financial product or service from us.

Effective Date: April 15, 2020

Domestic Violence Notice

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:
Talcott Resolution
Attn: Operations Compliance
1 Griffin Rd North
Windsor CT 06095

Phone Number: 1-800-862-6668
Fax: 860-392-3547, Attn: Operations Compliance

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

  • 1-800-942-6906
  • En español: 1-800-942-6908
  • In New York City: 1-800-621-HOPE (4673) or dial 311
  • TTY (deaf, hard of hearing, or speech-impaired): 1-866-604-5350
  • New York State Office for the Prevention of Domestic Violence website

For Illinois Residents:

For further information on domestic violence services, you may contact the State of Illinois Domestic Violence Helpline by the following:

  • 1-877-TO END DV or 1-877-863-6338 (Voice)
  • TTY (deaf, hard of hearing, or speech-impaired: 1-877-863-6339
  • Illinois Department of Human Services Domestic Violence Victim Services website

Effective Date: May 31, 2018

SSN Protection Policy

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

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