SFIB Privacy Policy
At SFIB we realize that, in this information age we live in, people are concerned about protecting their privacy. We want you to know that SFIB values you as a customer and we are committed to protecting your privacy. We think it is important for you to understand our policy and practices on privacy.

Information We May Collect
We may collect the following types of non-public personal information about you in order to provide, administer and/or service the financial products and services we sell, including life insurance policies and annuity contracts:

Information from you (on applications or other forms you complete, through telephone or in-person interviews with our independent insurance agent or with our Service Center or otherwise) such as your name, address, telephone number, social security number, income and health information.
Information about your transactions or experiences with us, our affiliates or third parties such as your insurance coverage, payroll data, account balances, and transactions completed with us.
Information from your visits to our Web site.
Information from credit reporting agencies (e. g. , credit history) .
Information from hospitals, doctors, laboratories, and other companies concerning your past or present health condition for purposes of underwriting, claims processing, and such other purposes as you may authorize, or as otherwise permitted or required by law.

Disclosure of Information
We do not disclose non-public personal information about our customers or former customers to non-affiliated third parties except as permitted by law or as authorized by you in writing.

We may disclose, as allowed by law, all types of non-public personal information we collect, when needed, in the course of conducting our business. For example, we may disclose non-public personal information to third parties that perform servicing and administrative functions on our behalf, such as third party administrators and consultants. We may also disclose non-public personal information about you to insurance regulators, other government entities, reinsurers, organizations that perform claims investigations and as otherwise permitted by law. In addition, our independent insurance agent, and others assisting the agent, have access to your non-public personal information as needed to administer your business, provide service to you and make you aware of other financial products and services offered by one fo the Companies that we represent.

We reserve the right to disclose all of the non-public personal information we collect, as described above, to third parties that perform services on our behalf (including marketing services) or to other financial institutions with whom we have or will have joint marketing agreements.

We do not share personally identifiable health information unless you, or the applicable law, authorizes such sharing.

Our privacy policy applies to both current customers and former customers.

Confidentiality and Security
We restrict access to your non-public personal information to those who need it to provide our financial protection and retirement savings products and services to you, and to maintain and improve customer service. We maintain physical, electronic, and procedural safeguards that comply with federal and state laws and regulations to guard your non-public personal information.

Your Right to Access and Correct Information
Upon your written request, we will send you a copy of relevant information we have about you in connection with your policy. Please address your request to SFIB Service Center, 6560 NW 114 AV, STE 505,MIAMI,FL,33178. If you feel that our information is incorrect, let us know and we will review it. If we agree, we will correct our files. If we do not agree, you may file a short statement of dispute with us. This statement will be included with any information disclosure we make in the future, or sent to anyone you designate who may have received such information in the past two years, or as otherwise required by law.

Changes in Privacy Policy
THE COMPANY RESERVES THE RIGHT TO UPDATE THIS POLICY FROM TIME TO TIME, SO YOU SHOULD REVIEW THIS POLICY FREQUENTLY.