THE FOLLOWING PAGES ARE TO BE LEFT WITH THE POLICY OWNER
Notice regarding the MIB, Inc.
Information regarding your insurability will be treated as confidential. RBC Life Insurance Company or its reinsurers may, however,
make a brief report to the MIB, Inc., a non-profit membership organization of life insurance companies, which operates an
information exchange on behalf of its members. If you apply to another MIB member company for life or health insurance coverage
or a claim for benefits is submitted to such company, MIB, upon request, will supply such company with the information in its file.
Upon receipt of a request from you, MIB will arrange disclosure of any information it may have in your file. If you question the
accuracy of the information in MIB’s file, you may contact MIB and seek a correction. The address of MIB’s information office is:
MIB, Inc., 330 University Avenue, Toronto, Ontario, CANADA M5G 1R7 Telephone: (416) 597 - 0590. Web site:
RBC Life Insurance Company or its reinsurers may also release information in its file to other life insurance companies to whom you
may apply for life or health insurance or to whom a claim for benefits may be submitted.
COLLECTION AND USE OF PERSONAL INFORMATION
Collecting your personal information
We (RBC Life Insurance Company) may from time to time collect information about you such as:
information establishing your identity (for example, name, address, phone number, date of birth, etc.) and your personal
information related to or arising from your relationship with and through us;
information you provide through the application and claim process for any of our insurance products and services; and
information for the provision of products and services.
We may collect information from you, either directly or through representatives. We may collect and confirm this information during
the course of our relationship. We may also obtain this information from a variety of sources including hospitals, doctors and other
health care providers, the MIB, Inc., the government (including government health insurance plans) and other governmental
agencies, other insurance companies, financial institutions, motor vehicle reports, and your employer.
Using your personal information
This information may be used from time to time for the following purposes:
to verify your identity and investigate your personal background;
to issue and maintain insurance products and services you may request;
to evaluate insurance risk and manage claims;
to better understand your insurance situation;
to determine your eligibility for insurance products and services we offer;
to help us better understand the current and future needs of our clients;
to communicate to you any benefit, feature and other information about products and services you have with us;
to help us better manage our business and your relationship with us; and
as required or permitted by law.
For these purposes, we may make this information available to our employees, our agents and service providers, and third parties,
who are required to maintain the confidentiality of this information.
In the event our service provider is located outside of Canada, the service provider is bound by, and the information may be
disclosed in accordance with, the laws of the jurisdiction in which the service provider is located. Third parties may include other
insurance companies, the MIB, Inc. and financial institutions.
We may also use this information and share it with RBC
companies (i) to manage our risks and operations and those of RBC
companies, (ii) to comply with valid requests for information about you from regulators, government agencies, public bodies or other
entities who have a right to issue such requests, and (iii) to let RBC companies know your choices under “Other uses of your
personal information” for the sole purpose of honouring your choices.
If we have your social insurance number, we may use it for tax related purposes and share it with the appropriate
(04/2020) Policy Administration
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