In compliance with the Gramm-Leach-Bliley Act (“GLB”), Public Law 106-102 (1999), this notice
is provided to you by Benefit Program Services, Inc.
The GLB Act was enacted to provide greater protection for an individual’s private information. This
notice is meant to provide you with information regarding how we, as an independent life and health
brokerage agencies, use your personal information and what your rights are with regard to your nonpublic
In order to provide the consumer, and our customer the agent, with the benefits of life insurance and
other financial products and services, we need to collect certain non-public information. In fact, the
more we understand about a particular set of needs, the better we can recommend the appropriate
carrier and policy in order to achieve favorable underwriting. However, we are committed to
maintaining the privacy of this information in accordance with the law.
As an independent life and health brokerage agency we are in a unique position as we routinely
obtain non-public information about the ultimate end user of the product(s) as well as obtain nonpublic
information about our customer, the agent/broker. We may obtain non-public information
concerning an agent/broker in an effort to comply with the laws preventing certain individuals from
holding a license and to comport to our own agency standards. We may, as part of the appointment
or pre-appointment process, receive information concerning an agent/broker credit history and
contact additional sources in order to perform any needed background check.
All employees and affiliates of our company with access to personal information about the consumer
identifiable non-public information about you that is obtained in connection with providing you a life or
to cover information we may collect about you during the course of your insurance policy as well as
after your insurance policy has ended.
The Kind of Information We Collect
When you complete your insurance application form, claim form, or other forms, we typically receive
the following kinds of information:
- date and location of birth
- marital status
- social security number
- medical information
During the course of our business relationship, we may obtain information about:
- your payment history
- your tax obligations
- your investment preferences
- your credit history
If you correspond with us or transact business through our computer websites, your browser may
provide information to us as you interact with us via the internet.
When May We Disclose Your Personal Information
It is our responsibility to meet your expectations for privacy while still providing you with life and/or
health insurance services and products. In order to provide our services to you, your information may
be shared with other service providers.
To complete your insurance application, we may need to provide your non-public information to
affiliated and nonaffiliated persons or entities involved in the underwriting, processing, servicing, and
marketing of insurance policies.
information unless we have an agreement with the third party that they will protect the confidentiality
of your non-public information.
There are times when we are required by law to provide your non-public information to authorized
persons or entities. Such occasions include:
- complying with a subpoena or summons by federal, state or local authorities
- responding to judicial process
- responding to regulatory authorities
- other purposes as required by law
We will not disclose any of your non-public personal information to anyone except as permitted or
required by law.
Maintaining Security of Your Private Information
We will work to ensure that your non-public personal information remains confidential and secure. To
do so, we have established the following procedures to protect against unauthorized access to your
- The only persons with access to your non-public personal information are those persons who need
to know about the information to underwrite, process, service, or market insurance products and
- We will keep your information physically and electronically secure
- If it comes to our attention that a piece of personal information that we possess may be inaccurate or false we will make a reasonable effort to re-verify its accuracy and correct any error as appropriate
Your non-public personal information is maintained by us on a confidential and secure basis. If we
disclose any of your information, it will be for the reasons and under the conditions described in this
notice. We do not disclose any non-public personal information about our former clients to anyone
except as permitted or required by law.
Benefit Program Services, Inc.
2444 Morris Avenue, Union, NJ 07083
Tel: 908-688-0204 Fax: 908-688-4492