If you submit a request for insurance (Statement of Health form) we will evaluate it. We will review the information you give to us and we may confirm it or add to it in the ways explained below.
This Privacy Notice is given to you on behalf of these companies:
Metropolitan Life Insurance Company, Paragon Life Insurance Company
Please read this Privacy Notice carefully. It describes in broad terms how we learn about you and how we treat the information we get about you. (If anyone else is to be insured, what we say here also applies to information about him or her.) We are required by law to give you this notice.
Why We Need to Know About You: We need to know about you (and anyone else to be insured) so that we can provide the insurance and other products and services you've asked for. We may also need information from you and others to help us verify identities in order to prevent money laundering and terrorism.
What we need to know includes address, age and other basic information. But depending on the type of product or insurance, we may need more information. This may include information about your finances, employment, health, hobbies or business conducted with us, with other MetLife companies (our "affiliates") or with other companies. Our affiliates currently include car and home insurers, securities firms, broker-dealers, a bank, a legal plans company and financial advisors.
How We Learn About You: What we know about you (and anyone else to be insured) we get mostly from you. But we may also have to find out more from other sources in order to make sure that what we know is correct and complete. Those sources may include adult relatives, employers, consumer reporting agencies, health care providers and others. Some of our sources may give us reports and may disclose what they know to others. We may ask for medical information about you from these sources. The Authorization that you sign when you request insurance permits these sources to tell us about you. So we may, for instance:
Ask for a medical exam
Ask for blood and urine tests
Ask health care providers to give us health data, including information about alcohol or drug abuse
We may also ask a consumer reporting agency for a "consumer report" about you (or anyone else to be insured). Consumer reports may tell us about a lot of things, including information about your finances, employment, hobbies, mode of living, work history, and driving record.
The information may be kept by the consumer reporting agency and later given to others as permitted by law. The agency will give you a copy of the report it provides to us, if you ask the agency and can provide adequate identification. If you write to us and we have asked for a consumer report about you, we will tell you so and give you the name, address and phone number of the consumer reporting agency.
Another source of information is MIB Group, Inc. ("MIB"). It is a non-profit association of life insurance companies. We and our reinsurers may give MIB health or other information about you. If you apply for life or health coverage from another member of MIB, or claim benefits from another member company, MIB will give that company any information it has about you. If you contact MIB, it will tell you what it knows about you. You have the right to ask MIB to correct its information about you. You may do so by writing to MIB, Inc., P.O. Box 105, Essex Station, Boston, MA 02112, by calling MIB at (866) 692-6901 (TTY (866) 346-3642 for the hearing impaired), or by contacting MIB at www.mib.com.
How We Protect What We Know About You: We take steps we consider reasonable to make sure that what we know about you is treated confidentially. For example, our employees are told to take care in handling your information. They may get information about you only when there is a good reason to do so. We also take steps to make our computer databases secure and to safeguard the information we have about you.
2 CPN-Inst - SOH-2006
How We Use and Disclose What We Know About You
We may use anything we know about you to help us serve you better. We may use it, and disclose it to our affiliates and others, for any purpose allowed by law. For instance, we may use your information, and disclose it to others, in order to:
Help us evaluate your request for a product or service
Help us process claims and other transactions
Confirm or correct what we know about you
Help us prevent fraud, money laundering, terrorism and other crimes by verifying what we know about you
Help us comply with the law
Help us run our business
Process data for us
Perform research for us
Audit our business
When we disclose information to others to perform business services for us, they are required to take appropriate steps to protect this information. And they may use the information only for the purposes of performing those business services. Other reasons we may disclose what we know about you include:
Doing what a court or government agency requires us to do; for example, complying with a search warrant or subpoena
Telling another company what we know about you, if we are or may be selling all or any part of our business or merging with another company
Giving information to the government so that it can decide whether you may get benefits that it will have to pay for
Telling a group customer about its members' claims or cooperating in a group customer's audit of our service
Telling your health care provider about a medical problem that you have but may not be aware of
Giving your information to a peer review organization if you have health insurance with us
Giving your information to someone who has a legal interest in your insurance, such as someone who lent you money and holds a lien on your insurance or benefits
Generally, we will disclose only the information we consider reasonably necessary to disclose.
We may use what we know about you in order to offer you our other products and services. We may share your information with other companies to help us. Here are our other rules on using your information to market products and services:
We will not share information about you with any of our affiliates for use in marketing its products to you, unless we first notify you. You will then have an opportunity to tell us not to share your information by "opting out."
Before we share what we know about you with another financial services company to offer you products or services through a joint marketing arrangement, we will let you "opt-out."
We will not disclose information to unaffiliated companies for use in selling their products to you, except through such joint marketing arrangements.
We will not share your health information with any other company, even one of our affiliates, to permit it to market its products and services to you.
How You Can See and Correct Your Information: Generally, we will let you review what we know about you if you ask us in writing. (Because of its legal sensitivity, we will not show you anything that we learned in connection with a claim or lawsuit.) If the law allows us to do so, we may disclose what we know about your health only through your health care provider. If you tell us that what we know about you is incorrect, we will review it. If we agree with you, we will correct our records. If we do not agree with you, you may tell us in writing, and we will include your statement when we give your information to anyone outside MetLife.
Statement of Health
AGIA Insurance Services, Inc.
P.O. Box 47060
Phoenix, AZ 85068
A.G.I.A., Inc., is licensed/authorized to transact business in all 50 United States, and the District of Columbia. Their state of domicile is California. J. Christopher Burke California Agent license number is 0F70947. J. Christopher Burke Arkansas Agent license number is 1446907.
Like most insurance policies, insurance policies offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods and term for keeping them in force. Please contact your NASW representative for complete details.
Insurance coverage is issued by Metropolitan Life Insurance Company, New York, NY 10166.
The AFT+ Supplemental Life Insurance, Dependent Life Insurance, and Supplemental Accidental Death and Dismemberment Insurance is underwritten by:
Metropolitan Life Insurance Company
200 Park Avenue, New York, NY 10166
Group Policy Number 119160-1G