Universal American Financial Corp and its subsidiary insurance companies: American Exchange Insurance Company, American Pioneer Life Insurance Company, American Progressive Life and Health Insurance Company of New York, Constitution Life Insurance Company, Marquette National Life Insurance Company, Peninsular Life Insurance Company, Pennsylvania Life Insurance Company, and Union Bankers Insurance Company strongly believe in protecting the confidentiality and security of information we collect about you.  This notice refers separately to each of the companies by using the terms “us,” “we,” or “our.”  This notice describes our privacy policy and describes how we treat the information we receive (“Information”) about you.


Why We Collect and How We Use Information:  We collect and use Information for business purposes with respect to our insurance and other business relationships involving you.  These business purposes include evaluating a request for our insurance or other products or services, evaluating benefit claims, administering our products or services and processing transactions requested by you.  We may also use Information to offer you other products or services we provide.


How We Collect Information:  We get most Information directly from you.  The Information that you give us when applying for our products or services generally provides the Information we need.  If we need to verify Information or need additional Information, we may obtain Information from third parties such as adult family members, employers, other insurers, consumer reporting agencies, physicians, hospitals and other medical personnel.  Information collected may relate to your finances, employment, health, avocations or other personal characteristics as well as transactions with us or with others.


How We Protect Information:  We treat Information in a confidential manner.  Our employees are required to protect the confidentiality of Information.  Employees may access Information only when there is an appropriate reason to do so, such as to administer or offer our products or services.  We also maintain physical, electronic and procedural safeguards to protect Information; these safeguards comply with all applicable laws.  Employees are required to comply with our established policies.


Information Disclosure:  We may disclose any Information when we believe it necessary for the conduct of our business, or where disclosure is required by law.  For example, Information may be disclosed to others, including independent agents or brokers who sell our products and services, to enable them to provide business services for us, such as helping us to evaluate requests for insurance or benefits, to perform general administrative activities such as maintaining existing accounts, or to otherwise assist us in servicing or processing an insurance product or service requested or authorized by you.  Information may also be disclosed for audit or research purposes, or to law enforcement and regulatory agencies, for example, to help us prevent fraud.  Information may be disclosed to others that are outside of our family of companies, such as companies that process data for us, companies that provide general administrative services for us, other insurers, and consumer reporting agencies.  We will make other disclosures of Information as permitted by law.


We may also provide Information: (i) to others outside of our family of companies, such as marketing companies, independent agents and brokers, to assist us in offering our products and services to you, and (ii) to financial services companies outside of our family of companies with which we have a joint marketing agreement, such as an agreement with another insurer to enable us to offer you that insurer’s products.  Companies with which we share customer information are required to maintain the confidentiality of that information.  We do not make any other disclosures of Information to other companies who may want to sell their products or services to you.  For example, we will not sell your name to a catalog company.  We may disclose any Information other than a consumer report or health information for the purposes described in this paragraph.


Access to and Correction of Information:  Generally, upon your written request, we will make available Information for your review.  Information collected in connection with, or in anticipation of, any claim or legal proceeding will not be made available.  If you notify us that the Information is incorrect, we will review it.  If we agree, we will correct our records.  If we do not agree, you may submit a short statement of dispute, which we will include in any future disclosure of Information.


Further Information:  In addition to any other privacy notice we may provide, a recently enacted federal law established new privacy standards and requires us to provide this summary of our privacy policy annually.  You may have additional rights under applicable laws.  For additional Information regarding our privacy policy, please write to us.