This notice is for your information  and no response is required.

Herndon & Associates Insurance, L.L.C.  Privacy Policy

Maintaining the privacy of the information you share with us in the process of doing business with Herndon & Associates, L.L.C. is extremely important to us.  When  you  purchased a  product from Herndon & Associates Insurance, L.L.C.  you entered into a relationship that is built upon and largely dependent upon  mutual trust.  We want to assure you that we strive to conduct business in ways that are always worthy of that trust.  Maintenance of our privacy practices and policies is a critical component of that resolve and we want you to know that we are committed to  maintaining the highest level of confidentiality with all the information we receive from you.

Why and How we collect information:
In  the conduct of our business with you, we often need to collect what is known as “nonpublic personal information.” This is information about you that we obtain in connection with providing a  financial product or service to you.  We may need this information to evaluate a request for insurance or other products or services, evaluate benefit claims, administer our products or services, or to process transactions which you have requested.

We obtain most nonpublic personal information about our customers directly from our customers.  The information you give to us when you apply for a product or service from Herndon & Associates, L.L.C. generally provides us with the information we need in order to transact the business process that you have authorized.  We may collect nonpublic information about you from:

• Applications or other forms, with information such as name, address, Social Security number, assets and income, employment status, birth date;

• Your transactions with us, our affiliates, or with others, such as account activity, payment history and products and services purchased;

• Consumer reporting agencies and verification services; or the state Motor Vehicle Department concerning your driving record.

• With respect to life insurance or health policies only, we may also collect medical, health, avocation and other personal information from applications, medical providers, the Medical Information Bureau and hospitals.

  We may also ask you for additional financial information in order to help determine how to best meet your financial goals.

How we protect Information:
We  maintain strong safeguards to protect the information you have shared with us. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal financial information.  All employees are required to comply with our established confidentiality procedures and policies.

We consider any nonpublic, personal information provided to any associate of  Herndon & Associates, L.L.C. in the course of a business transaction as being  completely confidential.

We may disclose information described above to our affiliates as needed in order to provide services to our customers or administer our business.  Affiliated companies  with Herndon & Associates Insurance, L.L.C. are committed to protecting the privacy of our customers’ nonpublic personal information.  In addition, we may disclose parts of this information to third parties with which we contract for administrative support and services, as permitted by law.  We also may disclose information under certain circumstances to government agencies and law enforcement officials as may be required by law.

Our Commitment to Confidentiality: 
We will not sell nonpublic personal financial information about you, our customers - or our former customers - nor will we disclose it to anyone, unless we have previously informed you in disclosures or agreements, have been authorized by you, or are permitted to do so by law.  We restrict access to nonpublic personal financial information to those employees and associates who need that information in order to provide products and services to you.

We will only disclose any of your consumer report information if its’ disclosure is necessary in connection with a product or service you have requested and only if you have consented to its disclosure, or as permitted by law.

We will not use or share medical information we have received about you for any reason except for underwriting purposes, as otherwise authorized by you or permitted by law.

If you decide to close your accounts or become an inactive customer, we will continue to adhere to  the privacy policies and  practices described in this notice .  Your records will be maintained  only for the length of time as required by law and subsequently destroyed.

Herndon & Associates Insurance, LLC has a long history of dealing with confidential information in ways that are designed  to assure your privacy.  We are committed to consistently maintaining the highest standards for protecting the information you share with us, and ensuring the privacy of all customers.

This Privacy Notice applies to all of the policies and contracts held or serviced by Herndon & Associates Insurance, L.L.C and its affiliates.