Privacy Policy

Savings Bank Mutual Life Insurance Company of Massachusetts (“SBLI”) is committed to our customers, and committed to safeguarding your privacy. Here are our policies on collecting information, confidentiality and security, and information disclosure.

Security

This web site is secured using a Geotrust SSL Certificate. This ensures that all information you send to us via the World Wide Web will be encrypted and secure.

Information About Our Privacy Notice

This Notice is being given to you as required by federal and state laws. It is meant to inform you about the personal data that we collect. It also explains how we may share your data with our Affiliated and Non-Affiliated Parties.

We will only share your personal data as allowed by federal and state laws, and as permitted by this Notice. This Notice applies to both our current and former customers. Any rights you have in this Notice are not limited by our standard privacy notice.

Data We Collect and How We Collect It

We collect your personal data to provide services and to help us meet your needs. The types of personal data we collect, and how we collect it, are set forth below.

Personal data includes any identifying information, such as:

  • Name, address, e-mail address, and telephone number;
  • Age, health, medical records, marital status, occupation, social security number, assets, income, and beneficiaries;
  • Claim history, policy coverage, policy payment history, and other account information; and
  • Credit standing, credit score, avocations, driving records, and personal characteristics.

We collect your personal data from:

  • You in person, by telephone, or over the Internet;
  • Forms you submit to us, such as applications, claim forms, or policy changes;
  • From consumer reporting agencies, MIB, Inc., medical providers, other insurers and non-affiliated third parties; and
  • From others when verifying information, investigating claims or preventing fraud.

Information obtained from a report prepared by an insurance support organization may be retained by that organization. They may disclose such information to other parties.

How We Use and Disclose Personal Data

Except as provided in this Notice, we do not share your personal data with anyone.

We do not sell or rent your personal data to any other party, nor do we disclose it for marketing purposes. We use or share it for purposes of underwriting insurance, re-insurance, policy and claims administration and as otherwise required or authorized by applicable law and regulation.

We may share the personal data we collect without your consent with the following.

  • Insurance companies, insurance agents or brokers, or credit reporting agencies who:
    • service and maintain your policy; or
    • process your transactions.
  • Courts, or governmental, regulatory, and other administrative bodies when there is a lawful request;
  • Law enforcement to protect against fraud or unauthorized transactions;
  • Others with whom you ask that we share; and
  • As otherwise allowed by law.

SSL Data Transmission

SSL (Secure Sockets Layer) is a protocol for transmitting private documents via the Internet. By utilizing 128-bit SSL (Global Server) IDs, we enable SSL encryption with both domestic and export versions of Microsoft® and Netscape® browsers. 128-bit SSL is used for large-scale online merchants, banks, brokerages, health care organizations, and insurance companies worldwide. Utilizing SSL helps to prevent unauthorized users from intercepting data, and from sending false information about you.

Right to Access and Correct Information

You have a right to access your personal information that we collect. You may correct your personal information. To do so, contact us and request our Comprehensive Notice of Information Practices. You do not have the right to appeal any underwriting decision we make.

Privacy

Information provided by you through our website is used by SBLI solely for its business purposes only in order to serve your needs. We do not sell your personal private information to others. SBLI and its agents are committed to respecting and protecting the privacy of your personal information. However, the Internet is not a completely secure medium of communication. Therefore, we cannot guarantee the privacy of any information you input on this website or send to us on the Internet. SBLI is not responsible for any damages you or others may suffer as a result of the loss of confidentiality of any such information. We look forward to communicating with you and have provided many places on this website for you to contact us. However, please remember that unless the specific access location says otherwise, all messages sent to or from this website can be accessed by other Internet users. To protect your privacy, please do not use e-mail to communicate information you want kept confidential.

Confidentiality is a top priority at SBLI. We are committed to maintaining the highest level of confidentiality with all of the information we receive from our agents or policy owners, including the information received from this website.

Confidentiality and Security

We generally restrict employee access to non-public personal information about you to those employees who need the information to provide and administer products or services to you or for you. We maintain physical, electronic and procedural safeguards in compliance with federal and state laws and regulations to safeguard the privacy of your information.

Security remains the primary concern of on-line consumers. SBLI uses SSL security protocol to safeguard the information you provide during the Request Information process.

Further Information

If you would like to know more about our privacy practices, please write to us at:

SBLI
P. O. Box 4048
Woburn, MA
01888-4048