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Security and Privacy Policy
Your privacy is very important to us.
Garden State Life Insurance Company is committed to providing insurance products and services designed to meet your needs. We are equally committed to respecting your privacy and protecting the information about you that we may receive. We have prepared this notice to advise you what information we collect, how we use it and how we protect it.
What information we collect.
As an essential part of our business, we obtain certain personal information about you in order to provide a financial product or service to you. Some of the information we receive comes directly from you on applications or other forms, and may include information you provide during visits to our web site. We may also receive information from physicians, testing laboratories and other health providers, and from consumer reporting agencies. The types of information we receive may include addresses, Social Security Numbers, family information, current and past medical history and financial information, including information about transactions with other financial institutions.
What information we disclose.
We do not disclose nonpublic personal information about our current or former customers to any non-affiliated entity, except as permitted by law. Examples of the disclosures which we are permitted by law to make include: disclosures necessary to service or administer an insurance or annuity product that you requested or authorized; disclosures made with your consent or at your direction; disclosures made to your legal representative; disclosures made in response to a subpoena or an inquiry from an insurance or other regulatory authority; disclosures made to comply with federal, state or local laws and to protect against fraud. We are also permitted to disclose information to outside firms that perform services for us and with whom we have non-disclosure agreements.
Our privacy protection procedures.
We protect information about you from unauthorized access. For example we employ secure technologies in order to safeguard transmission of information about you through our web sites. Access to information about you is restricted to those individuals who need such information in order to provide products and services to you. Examples of activities requiring access to personal information include: underwriting; claims processing; reinsurance and policyholder service. Our employees and agents receive training regarding our privacy policies and violators are subject to disciplinary action. We do not provide access to customer information to any service provider that has not signed a non-disclosure agreement with us. Finally, we have established and maintain procedures to comply with all state and federal laws and regulations regarding the security of personal information.
This notice has been provided to you in compliance with the Gramm-Leach-Bliley Act and is for information purposes only. No action on your part is required.
Do Not Call Policy.
Garden State Life Insurance Company uses the telephone as one important way to communicate with our customers and prospective customers. Because we wish to respect the wishes of our customers and prospective customers and intend to comply with state and federal laws, it is the policy of Garden State
• not to make a telephone solicitation call* to any person who has expressed a desire to us not to receive such calls; and
• not to make a telephone solicitation call to any person on a state or federal do not call list except as permitted by law.
* Please note a "telephone solicitation call" is any call that is made for the purpose of soliciting the sale of any insurance product or service that we provide.
We maintain a Do Not Call list.
This list contains the telephone numbers and names (if provided); of persons who have told Garden State that they do not want to receive any telephone solicitation calls from Garden State. Anyone may be placed on our Company Do Not Call list by sending a written request to us at:
Garden State Life Do Not Call List
PO Box 1896
Galveston, TX
77553-9902.
The request must provide the 10-digit telephone number that is not to be called and the person’s name, if desired. Once a request has been made, we will add the telephone number and name (if provided) to our Company Do Not Call list within 30 days. We will maintain the telephone number and name (if provided) on our Company Do Not Call list for five years. If a persons telephone number changes, another request must be submitted to have the new number added.
Garden State intends to comply with all State and Federal Do Not Call laws and regulations. Any questions concerning Garden State’s Do Not Call Policy may be directed to:
Garden State Life Insurance Company
Attention Corporate Compliance
One Moody Plaza
Galveston, TX 77550-7999.
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Tips to Consider When Planning Your Life Insurance Purchase.
Many people think they have enough life insurance.
According to the Insurance Information Institute the truth of the matter is, almost one-third of adults in the U.S. have none at all. Of the remaining people, many only have the life insurance their employers provide. Unfortunately, those workplace policies generally don’t provide enough protection for people who want to provide support for their dependents after they die.
Another mistake people often make is to forget to update a policy.
The Insurance Information Institute recommends an annual review of your life insurance polices. If you’ve had a significant change in your life, such as a marriage of divorce, a child or grandchild being born or adopted, bought a new home, taking on the financial responsibility of an aging parent and so on, you may need to buy more life insurance.
Thinking short term instead of long term can leave your dependents under protected. Many people don’t think about the length of time their policy’s proceeds will have to support their loved ones after they die. For example, if your child is 5 years old, he or she should be out on their own in 20 years. The money from your life insurance will need to provide financial support for 20 years.
When trying to figure out how much life insurance is needed, many people forget about the non-monetary benefits they receive at work, such as health insurance and retirement accounts. Your life insurance policy should pay your beneficiaries enough so they can afford health insurance premiums, set aside money for retirement and other often over-looked benefits.
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Service Center
Questions? Talk to an insurance professional by calling 1-800-638-8565 any weekday 9 a.m. to 7 p.m. Eastern time.
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