This privacy notice discloses the privacy practices for This privacy notice applies solely to information collected by this web site. It will notify you of the following:

1. What personally identifiable information is collected from you through the web site, how it is used and with whom it may be shared.

2. What choices are available to you regarding the use of your data.

3. The security procedures in place to protect the misuse of your information.

4. How you can correct any inaccuracies in the information.

Please read the following legal notices carefully. Your use of this web site and associated services constitutes your agreement with the terms and conditions set forth below. These terms and conditions may be changed or updated at any time. You are responsible for reviewing them periodically for current information.

What Information Do We Collect?

We are the sole owners of the information collected on this site.
When you visit this web site you may provide us with two types of information:
personal information that is collected on an individual basis and Web site use
information collected on an aggregate basis as you and others browse our Web site.

1. Personal Information We May Obtain From You

We obtain information about you directly from you, from applications,
contracts, documents and forms you complete or sign, or in telephone conversations with you.
We may obtain additional information about you or, with your authorization, others who may have
an interest in your insurance policy, annuity contract or primary residence, from additional sources,
including your insurance company, insurance producer, health care providers, creditors, credit reporting
agencies, and your representatives or advisors. We may also obtain information about you from public records
and, with your authorization, other persons.

The personal information that or our affiliates
may collect includes, but is not limited to, the items listed below.

Personal information, such as your name, address, social security number, driver’s
license number, occupation and employer;

Financial information, such as assets, income, credit history, banking information
and account numbers;

Legal information, such as judgments, liens, bankruptcies, divorces, probate, and
other civil and criminal court proceedings;

Other identifying information, such as birth date, telephone and fax numbers,
and email, street, and mailing addresses;

Insurance or annuity policy information, including the policy terms, conditions and
limits, the named beneficiaries, and your premiums and payment history; and

Medical information, such as your current health status and prior health
care treatments.

Email Information

If you choose to correspond with us through email, we may retain the content of your
email messages together with your email address and our responses. We provide the same protections for these
electronic communications that we employ in the maintenance of information received by mail and telephone.

2. Electronic Information
We may collect and track certain electronic information to ensure that your consumer experience
is a beneficial one, including by not limited to the following:

Cookies –
Similar to other commercial Web sites, our Web site utilizes a standard technology called
“cookies” to collect information about how our Web site is used. A cookie is a piece of data stored
on a site visitor’s hard drive to help us improve your access to our site and identify repeat visitors to our site.
For instance, when we use a cookie to identify you, you would not have to log in a password more than once, thereby
saving time while on our site. Cookies can also enable us to track and target the interests of our users to enhance
the experience on our site. Usage of a cookie is in no way linked to any personally identifiable information on our site.
Information gathered through cookies may also include the date and time of visits, the pages vewed, time spent at our
Web site, and the Web sites visited just before and just after our Web site.

Some of our business partners may use cookies on our site (for example, advertisers).
However, we have no access to or control over these cookies.

Log files – We may use log files to track how our sites are being accessed and used. Log files
track anonymous user information such as IP addresses, browser types, Internet service providers,
referring and exit pages, platform type, date and time stamps, and number of clicks to, from, and within our

IP Addresses – IP addresses are used by your computer every time you are connected
to the Internet. Your IP address is a number that is used by computers on the network to identify your computer.
IP addresses are automatically collected by our web server as part of demographic and profile data known as traffic
data so that data (such as the Web pages you request) can be sent to you.

How Do We Use Electronic Information?

As you visit and browse our Web site, the site uses cookies to differentiate you from other users.
In some cases, we also use cookies to prevent you from having to log in more than is necessary for security.
Cookies, in conjunction with our Web server’s log files, allow us to calculate the aggregate number of
people visiting our Web site and which parts of the site are most popular. This helps us gather feedback to
constantly improve our Web site and better serve our clients. Cookies do not allow us to gather any personal
information about you and we do not intentionally store any personal information that your browser provided
to us in your cookies.

How Do We Use the Personal Information That You Provide to Us?

Broadly speaking, we use personal information for purposes of administering our business
activities, providing the products and services you requested, to process your payment, to monitor the use of
the service, our marketing and promotional efforts and improve our content and service offerings, and
customize our site’s content, layout, services and for other lawful purposes. These uses improve our
site and better tailor it to meet your needs.

Furthermore, such information may be shared with others on an aggregate basis.
Personally identifiable information or business information will not be shared with parties except
as required by law.

Occasionally, we may also use the information we collect to notify you about
important changes to our Website, new services, and special offers we think you will find valuable.
You may notify us at any time if you do not wish to receive these offers by emailing us at the link
provided on the newsletter.

Communications You Can Expect
You may expect to receive confirmation
emails for submitted quote request(s), newsletters, surveys, follow-up telephone inquiries,
telephone solicitations, direct mail solicitations, wireless solicitations, SMS solicitations,
and facsimile solicitations and courtesy communications from us.

By submitting a quote request
Insurance Agents or Affiliates will contact you using the contact information that you provided
in the quote request form. In order to stop these communications, you must contact the Agents directly
and request that they stop contacting you.

Sharing and Selling Information
We do not share, sell, lend or lease any of the information that uniquely
identify a subscriber (such as email addresses or personal details) with anyone except to the extent it
is necessary to process transactions or provide services that you have requested. With your authorization,
we will disclose your nonpublic personal information to our affiliates and non-affiliated companies
that provide services for us related to a transaction you request. With your authorization, we will
disclose your nonpublic personal information to entities that provide us with financing or financial
support for a transaction that you request. Additionally, as permitted by law and with your authorization,
we may disclose your information to allow our authorized representative to contact you for purposes of
determining your current status.

We do share aggregated demographic information with our partners and advertisers.
This is not linked to any personal information that can identify any individual person.

We partner with another party to provide
specific services. When the user signs up for these services, we will share names, or other contact
information that is necessary for the third party to provide these services. These parties are not
allowed to use personally identifiable information except for the purpose of providing these services.

As permitted by law or with your authorization,
we will share your nonpublic personal financial information (1) with our affiliates and non-affiliated
companies that provide services for us related to a transaction you request and (2) under the following
additional circumstances:

To establish or exercise our legal rights or defend against legal claims;

In connection with a proposed or actual sale, merger, transfer, exchange or
consolidation of or any
portion of our business; and

To secure services and advice from our attorneys, accountants and auditors.

We may also disclose your nonpublic personal
financial information for other purposes or to other persons with your authorization or otherwise as
required or permitted by law.

How Can You Access and Correct Your Information?

You may request access to all your personally identifiable information that we
collect online and maintain in our database by emailing us at the usual address.

What About Legally Compelled Disclosure of Information?
We may disclose information when legally compelled to do so, in other words, when we,
in good faith, believe that the law requires it or for the protection of our legal rights.
We may also disclose account information when we have reason to believe that disclosing this
information is necessary to identify, contact or bring legal action against someone who may
be violating our Terms of Service or to protect the safety of our users and the Public.

What About Information Collected When Getting my Quote?
In order to receive you a Quote, a user must first complete the information
form. During this process, a user is required to give certain information (such as name, e-mail,
phone, and address). This information is used to contact you about the products/services on our
site in which you have expressed interest and to provide you with your Quote.

What About Other Web Sites Linked to Our Web Site?

This web site contains links to other sites. Please be aware that we are not
responsible for the content or privacy practices of such other sites. We encourage our users to
be aware when they leave our site and to read the privacy statements of any other site that
collects personally identifiable information.

Our Commitment To Data Security:
We take precautions to protect your information. When you submit sensitive
information via the website, your information is protected both online and offline.

Wherever we collect sensitive information (such as credit card data),
that information is encrypted and transmitted to us in a secure way. You can verify this
by looking for a closed lock icon at the bottom of your web browser, or looking for
“https” at the beginning of the address of the web page.

While we use encryption to protect sensitive information transmitted online,
we also protect your information offline. Only employees who need the information to perform a
specific job (for example, billing or customer service) are granted access to personally identifiable
information. The computers/servers in which we store personally identifiable information are kept in
a secure environment.

Notwithstanding the foregoing, we cannot guarantee that its security measures
will prevent its computers from illegal or otherwise unauthorized access.

Please note that your information
will be stored and processed on our computers in the United States. The laws on holding personal
data in the United States may be less stringent than the laws of your Country of residence or
citizenship. To prevent unauthorized access, maintain data accuracy, and ensure the correct use
of information, we have put in place appropriate physical, electronic, and managerial procedures
to safeguard and secure the information we collect online.

You may opt out of any future contacts from us at any time. You can do the
following at any time by contacting us via the email address or phone number given on our website:

See what data we have about you, if any.

Change/correct any data we have about you.

Have us delete any data we have about you.

Express any concern you have about our use of your data.

Surveys & Contests
From time-to-time our site requests information from users via surveys or contests.
Participation in these surveys or contests is completely voluntary and the user therefore has a
choice whether or not to disclose this information. Information requested may include contact
information (such as name and shipping address), and demographic information (such as zip code,
age level). Contact information will be used to notify the winners and award prizes. Survey
information will be used for purposes of monitoring or improving the use and satisfaction of this site.
A Special Note About Children
Children are not eligible to use our services unsupervised and we ask that
children (under the age of 14) do not submit any personal information to us. If you are a minor,
you can use this service only in conjunction with permission and guidance from your parents or guardians

Acquisition or Changes in Ownership
In the event that the web site (or a substantial portion of its assets) is
acquired, your information would be considered part of those assets, and may be part of those assets
that are transferred.

Policy Modifications
We may change this Privacy Policy from time to time. If/when changes are made
to this privacy policy, we will email users who have given us permission to do so. We will post
any changes here, so be sure to check back periodically. However, please be assured that if the
Privacy Policy changes in the future, we will not use the personal information you have submitted
to us under this Privacy Policy in a manner that is materially inconsistent with this Privacy
Policy, without your prior consent.

By completing forms provided by us and providing personal information through our
web sites, you hereby represent and warrant that:

You have read, understand and agree to our Privacy Policy, and we may
send you electronically (via email or otherwise) any notices with respect to the Privacy Policy,
but are not required to do so;

We may provide the information you submit to third parties for the
purposes of providing you information and quotes about insurance, that such third parties may
contact you via the contact information that you provide, and that such third parties may use
your information to gather additional information about you, as described in this

Privacy Policy.

We may contact you using the information you provide.

You are an actual person of at least 18 years of age, you have the
right to provide the information you submit, and the information you submit is accurate, complete
and truthful.

If you do not agree to the terms of this Privacy Policy, then do not enter
your information and do not continue with this process and do not provide your information to us.
In such case, we will not be able to provide quotes or information for insurance provided to you,
and are relieved of any of our obligations to you as set forth in this Privacy Policy.

If you feel that we are not
abiding by this privacy policy, you should contact us immediately via telephone at 1-800-559-9847
or via email.

Legal Notice

Please read the following legal notices carefully. Your use of this web site and associated
services constitutes your agreement with the terms and conditions set forth below. These terms and
conditions may be changed or updated at any time. You are responsible for reviewing them periodically
for current information. Additional legal notices regarding specific products, services, as well as
conditions, restrictions or disclosures may be described on “subsites” within the’s main web site.

Trademark/Copyright trade name
and associated logos, and combinations of the foregoing are trademarks of Guaranteed Health &
Annuity, Inc. All trademarks, service marks, trade names and logos displayed on this site are
proprietary or licensed to Guaranteed Health & Annuity, Inc., unless otherwise stated.

The names, trademarks, service marks and logos
of and
any of the companies represented by Guaranteed Health & Annuity, Inc. may not be
used in any advertising or publicity, or otherwise for any commercial use by other insurance agents
and brokers. Any such use is prohibited by federal trademark and copyright law. This site is a
copyrighted publication of Guaranteed Health & Annuity, Inc.

No portion of this site or any news or information
displayed on this site may be published, broadcast, duplicated, photocopied, faxed, downloaded,
uploaded, distributed, transmitted or redistributed in any way for any purpose without’s prior express
written permission. The content presented on