EVERGREEN LIFE, LIMITED
Evergreen Life is
committed to protecting your privacy. In order to issue our life insurance
policies and to provide superior policyowner service, we must collect personal
information about our insureds and policyowners.
based upon the following:
will not sell information about our insureds or owners.
We will not share personal information with anyone else for marketing
We will only use personal information to help us transact the desired
business with you.
We will only share personal information with third parties which provide
business services to us in regard to our policies and contracts. Examples of
such third parties are reinsurers, our administrator and similar parties.
What kind of personal information do we collect?
The type of information that we
collect is dependant on whether you are merely perusing our website or whether
you intend to proceed further in order to apply for an Evergreen policy.
Should you wish to obtain access to the secure portion
of the website, you will be required to provide certain information about
yourself. We require this information for the purposes such as the verification
of your identity and to assess eligibility.
Information provided by you when you register to obtain a user name and
password in order to proceed to use the website (for example: your name and
Information provided by you in order to obtain a personalized illustration
of the potential benefits under our life insurance policies (for example:
your age, gender, or the amount of premium being considered by you in
respect of a life insurance policy).
Further information provided by you in order to actually apply for a life
insurance policy (for example: medical and health information, social
security number, net assets and other personal and financial information
that is requested on the application for life insurance).
we obtain from other sources, such as credit reporting agencies, and
information to verify employment, income or assets.
or health information that you have given us permission to receive from
doctors or other health care providers.
"Cookies”: Through the use of these, we are able to monitor the use of our
website and to track your progress on activities such as the completion of
the application for life insurance.
Most of the information we
collect is obtained directly from you. We may collect additional information in
order to issue the policy and to service and administer it.
How do we use and disclose your information?
The main use of your
information is to confirm your identity and health status in order for us to
issue a life insurance policy on your life. Such personal information will be
used to underwrite the life policy, process claims and service your account.
In relation to our
transactions with you, information may be disclosed to other entities that
provide us with business services, including administrative, reinsurance, claims
or audit services. Before we disclose your information to them, these entities
must agree to keep it private.
Information will be
disclosed where required by law; for example a routine filing with the U.S.
Internal Revenue Service (such as a Form 1099) or assistance with the
prevention of fraud or anti-money laundering which might require disclosures to
be made to a regulatory or law enforcement agency.
What medical and health information do we collect?
We will be obtaining
medical or health information about you. This may be as a result of your
application for a policy or when we process a claim and will include medical
examination and doctors’ reports. We only share this information where necessary
in order to process your transactions relating to your insurance coverage.
Evergreen does not
currently collect information about the visitors to our website by using
“cookies” and other website management tools. We may, however, in the future
elect to do so. A cookie is a small piece of information that a website can send
to your browser and may be stored on your computer’s hard drive. It acts as an
anonymous tag that identifies your computer. Cookies have the ability to store
information about web pages viewed or clicked. For registered customers, cookies
can also save user information and screen preferences.
While you can set your
browser to reject any cookies, their use is designed to assist visitors to more
easily navigate the site and save certain information, and you may therefore
find that the website will not work effectively if you reject the cookies.
Security of Information
Information submitted into secured regions of our website is protected by our
use of procedural, electronic and physical safeguards to protect the information
against misuse, damage, modification or loss as well as unauthorized access or
disclosure. All electronic communications from us containing any personal
information will be processed via our secure website. You should communicate
with us only via the secure portion of our website. We will not request any
personal information outside of that secure environment, other than sending you
your user login details to enable you to proceed beyond the introductory pages
of our website.
While Evergreen Life has
made every attempt to create a secure website, there is always the possibility
of someone obtaining unauthorized access to private information. Security is a
cooperative effort between Evergreen and the users of our website. It is
important to remember that your access details are personal to you. You should
also make every attempt to secure your personal information on your own
Please be aware
that, unless you are logged in and working within our secure location, any
messages sent to or from us over the open internet, can be accessed by other
Internet users. We urge you to take all reasonable precautions necessary in
order to protect data or information which you receive or download from us onto
your computer, by implementing your own computer security measures, including,
but not limited to, employing current reputable anti- virus, spyware and malware
applications and always securing your computer screen when not actively using
If you have any questions
Evergreen Life Limited
1 Victoria Hall, Victoria
Hamilton HM11, Bermuda
Evergreen does not warrant
the accuracy of any information provided on any
website accessed via a hyperlink from our website. Although the information
accessed by you on the hyperlinked sites is from sources we believe to be
reliable, Evergreen is not able to guarantee the accuracy, validity or
completeness of any information or data made available on those websites.