This Notice Contains Important Information about Our Privacy Policy

This Notice applies to Ozark National Life Insurance Company, N.I.S. Financial Services, Inc., and CNS Corporation and all business administered by Ozark National Life under the names of Integrity Life Insurance, Inc., Madison National Life Insurance Company, Inc., Massachusetts General Life Insurance Company and Wabash Life Insurance Company. Ozark and NISFS are affiliates and subsidiaries of CNS Corporation. Integrity, Madison, Massachusetts, and Wabash are affiliates of Ozark. References to Ozark include all of these entities.

Note to Arkansas Residents: In Arkansas, our Company does business under the assumed name Life of the Ozarks.” Life of the Ozarks should not be confused with Ozark National Life Insurance Company of Little Rock, Arkansas, an unrelated company.

We are Committed to Protecting Your Privacy. We consider the privacy of our customers or former customers to be a matter of the utmost concern. While the information we collect about you is necessary to provide you with superior products and service, we are dedicated to maintaining the confidentiality of the personal information we have. Unlike some other companies, we do not sell or rent the information you have entrusted to us.

This Privacy Policy is being provided to customers to outline our current policies and practices with regards to how information about individual customers is collected and used. This notice will be provided the first time we do business with a customer. We will also send customers an updated Privacy Policy Notice at least annually, as required by law.

Confidentiality and Security. Ozark has and maintains strict policies and procedures to protect the confidentiality of your information during all stages of your relationship with us. In addition, we maintain physical, electronic, organizational and procedural safeguards to protect your personal information from unauthorized access and anticipated threats or hazards. We continually review our policies and practices, monitor our computer networks and test the strength of our security in order to help us ensure the safety of customer information. Access to your information by employees and other representatives is restricted to those individuals having a business need for such information.

Information We May Collect and Use. We may collect nonpublic personal information about you. This includes:

  • Information we receive from you on applications or other forms, such as your name, address, telephone number, Social Security number, health, financial, employment history, avocations or other personal characteristics. We may also gather information from you electronically, by telephone and in writing.
  • Information you authorize us to obtain, such as medical professionals’ and hospital records. We may gather information from any required medical exams or tests. Medical information we receive about you will not be disclosed without your authorization, except as required by law.
  • Information from third parties such as adult family members, employers, and other insurers.
  • Information about your transactions with us, our affiliates or others, such as your life insurance or annuity coverage, premium payment and investment history.
  • Information we receive from consumer reporting agencies, such as your credit-worthiness and credit history. This type of information will be shared in appropriate situations and only to the extent required from necessary business purposes.

While most information is collected at the time of application or claim, additional information may be required if you request changes to your contract or other service.

Confidentiality of Medical Information. We understand that you may be especially concerned about the privacy of your medical information. We want to assure you that we do not sell or rent to anyone your personally identifiable medical information, nor do we disclose it to others for marketing purposes. We only use and share personally identifiable medical information for purposes of underwriting insurance, administering your policy or claim, and other purposes permitted by law, such as disclosures to insurance regulatory authorities, or in response to legal process.

Information We May Disclose. We regard all your personal information as confidential. However, in the course of conducting our business there are circumstances in which we may disclose to other parties information we have about you. These disclosures are only made as permitted by law, such as disclosures to our reinsurers, administrators, consultants, and regulatory or governmental authorities. In addition, our agent, N.I.S. Financial Services Representative, and others assisting them have access to the personal information needed to administer your business and provide service to you. They may also use this information to advise you of additional financial products and services offered by Ozark and its affiliates.

We may disclose the above categories of nonpublic personal information about you to nonaffiliated business partners in order to complete requested or necessary business transactions on your application, policy, annuity or mutual fund account, or in order to comply with legal requirements such as subpoenas or tax and fraud reporting.
Periodically we may work with outside firms to help us develop our products, services, and marketing approaches. As permitted by law, we may share with such firms certain identifying information and non- medical transaction information, as described above. Whenever we hire other parties to help us conduct our business, we expect them to maintain the confidentiality of your personal information and abide by all applicable privacy laws. Further, we do not authorize them to use or disclose your personal information for any purpose other than the work they are performing on our behalf or as required by law.
We do not sell or rent, and other than as previously noted, we do not disclose any of your personal information. Should your relationship with us end, we will continue to limit disclosures of your personal information in accordance with our stated privacy policy and practices just as we do for those with a continuing relationship with us.

Thank you for choosing Ozark. We value you as a customer and appreciate the opportunity to serve you.

If you have any questions concerning this policy, please contact us by writing to Privacy Notice — Ozark
National Life, 500 East Ninth St., Kansas City, Missouri 64106-2627 or call (816) 842-6300.