GL4A 14 MIB NOTICE
NOTICE OF INSURANCE INFORMATION PRACTICES
COLLECTION OF INFORMATION
This NOTICE is provided in compliance with your state's Insurance Information and Privacy Protection Act.
In order to provide insurance coverage on a fair and equitable basis, we must collect information about you and others for whom
coverage may be provided. This information may include age, occupation, physical condition, health history, prescription drug
records, general reputation, mode of living and other personal characteristics.
You will provide much of the information. We may collect or verify information by personal interviews and by otherwise contacting
Medical professionals and institutions, pharmacy benefit managers, employers, business associates, friends, neighbors and other
insurance companies. We may ask insurance support organizations to collect information and submit an investigative consumer report.
That organization may disclose the contents of the report to others for which it performs such services. You may request a copy of the
report or a personal interview in connection with it.
DISCLOSURE OF INFORMATION
The law allows disclosure of certain information without your authorization in response to a valid administration or judicial order, as
permitted or required by law, or to:
1. Persons or organizations performing professional, business or insurance functions for us;
2. Our agents, insurance support organizations or consumer reporting agencies;
3. Medical professionals and medical-care institutions;
4. Persons or organizations conducting bonafide actuarial or scientific research studies, audits or evaluations;
5. Insurance regulatory, law enforcement or other governmental authorities;
6. Persons or organizations involved in any sale, transfer, merger or consolidation of our business; and
7. Group Policyholders, certificate holders, professional peer review organizations, or persons having legal or beneficial interest in a
policy of insurance.
We do NOT disclose to our affiliates any information we receive about you from a consumer reporting agency. We do NOT disclose
your nonpublic personal information to third parties except as necessary to provide you our products and services.
We, or our reinsurers, may also release information in our file to other insurance companies to whom you may apply for life or health
insurance, or to whom a claim for benefits may be submitted.
Information regarding your insurability will be treated as confidential. The Lincoln National Life Insurance Company or its reinsurers
may, however, make a brief report thereon to the MIB, Inc. formerly known as Medical Information Bureau, a not-for-profit
membership organization of 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 a company, MIB,
upon request, will supply such company with the information about you in its file.
Upon receipt of a request from you, MIB will arrange disclosure of any information in your file. Please contact MIB at 866 692-6901.
If you question the accuracy of the information in the MIB's file, you may contact the MIB and seek a correction in accordance with
the procedures set forth in the federal Fair Credit Reporting Act. The address of MIB's information office is 50 Braintree Hill Park,
Suite 400, Braintree, Massachusetts 02184-8734.
Information for consumers about MIB may be obtained on its website at www.mib.com.
Also, you have a right to access personal information about you in our files. You may request that we correct, amend or delete
information you believe is inaccurate or irrelevant. A description of the appropriate procedures will be sent to you upon written
TELEPHONE PERSONAL HISTORY REVIEW
After your application has been received in the Group Insurance Service Office, you may receive a telephone call from a specially
trained Group Insurance Service Office Interviewer who will ask you some questions to obtain verification or additional information.
If you have questions about the terms discussed in the NOTICE, please write to:
The Lincoln National Life Insurance Company
Group Insurance Service Office
P. O. Box 2616
Omaha, Nebraska 68103-2616
DETACH THIS COPY AND KEEP FOR YOUR RECORDS