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

Privacy Policy and Practices 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 responsibly manage, use and protect your Personal Information.

This notice describes how we collect, disclose, and protect PI.

We collect PI to service your Transactions with us. We also collect PI to support our business.

We may obtain PI from You and your Transactions with us, or from third parties such as consumer-reporting agencies.

Based on the type of product or service You apply for or get from us, PI may be gathered from sources such as applications, Transactions and consumer reports. This includes PI such as:

  • name.
  • address.
  • income.
  • payment.
  • credit history.

To serve You and our business, we may share PI.We will share PI, as allowed by law, with our affiliates. This includes:

  • insurance companies.
  • employee agents.
  • brokerage firms.
  • administrators.

As allowed by law, we may share Personal Financial Information with our affiliates to market our products and/or services. We will not provide You with an option to prevent these disclosures.

We may also share PI, as allowed by law, with other third parties who help us serve You and our business. This may include:

  • brokerage firms.
  • insurance companies.
  • administrators.
  • service providers.
  • independent agents.

When allowed by law, we may share PFI with third parties to perform services or functions. Those third parties help us:

  • take surveys.
  • market our products or services.
  • offer financial products or services.

We will not sell or share your PFI for purposes unrelated to our business without allowing You the opportunity to "opt-out" or "opt-in" as required by law.

We only disclose Personal Health Information with:

  • your written permission.
  • as allowed or required by law.

Our employees have access to PI in the course of doing their jobs, to:

  • underwrite policies.
  • pay claims.
  • develop new products.
  • advise customers of products and services.

We use procedures to maintain the confidentiality and the integrity of Your PI, and to protect against unauthorized access.

To protect PI we use:

  • secured files.
  • user authentication.
  • encryption.
  • firewall technology.
  • the use of detection software.

We identify protected information, and secure and safeguard that data.

We only grant access to protected data to those who require it for job-related duties.

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

At the start of our business relationship, we will give You a copy of our current Privacy Policy.

You will receive a copy of our Privacy Policy once a year thereafter.

We will continue to follow our Privacy Policy after our business relationship no longer exists.

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Application: your request for our product or service.

Personal Financial Information:

  • credit history.
  • income.
  • financial benefits.
  • policy or claim information.

Personal Health Information:

  • your medical records.
  • information about your illness, disability or injury.

PI: information that identifies You personally and is not otherwise available to the public. It includes:

  • PFI.
  • PHI

Transaction: your business dealings with us, such as:

  • your Application.
  • your request for us to pay a claim.
  • your request for us to take an action on your account.

You: an individual who has given us PI when asking about, applying for or obtaining a financial product or service from us if the product or service is used mainly for personal, family, or household purposes.

*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: October 12, 2018

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: May 31, 2018

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