Legal Notice

The information contained in this Web site, including any links to other Web sites, is provided for general informational purposes as a convenience to Stuart Hindemit customers and Internet users. This information is not a substitute for obtaining professional advice from a qualified person, firm or corporation. Therefore, you should not rely solely upon this information in making any decision, including any decision to buy a product from Stuart Hindemit or any other company. This information, including any prospectus information, is not an offer to sell or a solicitation of an offer to buy any security, service, or product.

The products and services referenced are offered and sold only by appropriately appointed and licensed entities and Independent Representatives. Independent representatives might not represent all entities shown or provide all the services discussed on this web site. Not all products and services are available in all states.

This site is intended to provide general information and is for educational purposes only. This is not intended to provide legal or tax advice. Please consult your legal or tax professional for specific information.

Stuart Hindemit is neither a registered broker-dealer, a CPA, an Attorney nor a registered investment adviser.

Federal Law requires that Stuart Hindemit obtain, verify and record information that identifies each person who opens an account. As part of that process, you will be asked to provide your name, address, date of birth (as applicable) and other information. Stuart Hindemit may utilize information from your driver's license, other government issued identification or other means, including third party sources, to verify your identity.

Online Privacy Statement

StuartHindemit.com Web Site

This statement discloses the privacy practices for the Stuart Hindemit Web site, and includes:

What information is gathered/tracked
How the information is used
Who information is shared with

Questions regarding this statement should be directed to the site coordinator.

Summary
The StuartHindemit.com Web site collects no personally identifying information about individuals except when specifically and knowingly provided by such individuals or, in the case of corporate owned policies insuring individuals, by the corporate owner of the policies. Except as described in this Statement, Stuart Hindemit will not release any of said information about you without your permission, unless permitted or required by law.

What Information Stuart Hindemit Collects
The Stuart Hindemit Web site gathers two types of information about people who visit our site: (1) information and data you provide voluntarily, including information and data you provide voluntarily in connection with visiting "Download The AIM Report" sections of this site and (2) through optional, voluntary contact request forms.

Independent Representative Contact Request Forms
When you would like to have an Independent Representative contact you, we will ask you for:

your name
your street address
your phone number
your email address

Since life insurance is primarily state-regulated, and our Representatives are licensed by state, we need your street address so that we may forward your information to the Office nearest you. Your name, phone number and/or email address enable you to be contacted, per your request.

Customer Service Request Forms
We want to provide our customers with a means to communicate with us 24 hours a day, seven days a week. We do this through our Customer Service email forms.

In order to provide you with the service you need the most efficient way possible, we will ask you for some or all of the following information:

your name
your social security number
your street address
your policy/annuity/IRA number
your Insurance Service Account number (if applicable)
your phone number
your email address

This information is for our internal use to service your request, so that we or our administrators may access your customer information. It is not shared with any other third party, unless permitted or required by law.

Hyperlinks
This web site may contain hyperlinks or "links," to and from other Internet sites. These sites may have different privacy practices from our web site. Our Online Privacy Statement applies solely to our site. Please review the online privacy statements of any other Internet sites you may visit. These links also do not imply an affiliation between Stuart Hindemit and the site owner, or any endorsement, approval or verification of any content contained on other web sites.

Commitment to Confidentiality
Confidentiality is a top priority at StuartHindemit.com. We are committed to maintaining the highest level of confidentiality with all of the information we receive from our customers, including the information received from this Web site.

The Stuart Hindemit Web site does not contain or have access to information provided to us as part of insurance underwriting, policy service or claims.

Changes and Revisions
We reserve the right to amend this Statement from time to time. Any material change to our online privacy practices will be reflected in this Online Privacy Statement. We will indicate the date this Statement was last updated.

Customer Privacy Notice

Commitment to Privacy

At StuartHindemit.com, your privacy is important to us. We want you to know that:

We do not sell or rent to anyone the information you have entrusted to us;
We do not share your personal information with non-affiliated companies who want to market their products or services to you (except at your request or with your consent);
We do not offer an opportunity for you to prevent or "opt-out" of information sharing since we only share personal information with others as allowed by law; and
You do not need to contact us to benefit from our privacy protections.

To help you understand how we protect your personal information, this notice describes our current privacy policy and practices. We will advise you of our privacy policy and practices at least once a year, as required by law.

Our Security Standards

We have high security standards to keep the information we have about you safe. We maintain strict control over access to your information. The only employees who are permitted to access your information are those with a business need to know. Our standards to safeguard this type of information meet or exceed the requirements of federal and state law.

Information We May Collect and Use

So that we can provide our products and services to you, we must collect personal information. The type of information we collect depends on the products and services you are interested in and whether you are the proposed insured. For example, we may collect your name, address, and telephone number. And we may collect other information such as your health, financial, and employment history. We may also collect information to confirm your identity.

We may gather information about you from sources such as:

Applications or claim forms, and required medical exams or tests;
Written, electronic, telephone and other communications from you;
Medical providers, consumer reporting agencies, and other companies with whom you do business;
Your transactions with us and others, such as policy, payment and claim information.

We collect most information at the time of application or claim. However, we may need more information if you request a change to your contract or other service.

In some cases, we may use an insurance support organization or an investigative consumer agency to collect information that we need. They may keep a copy of their report to us. They may also share its contents with others for whom they perform such services. These disclosures are made only as allowed by law and with appropriate authorization from you.

Confidentiality of Medical Information

You may have a special concern about the privacy of your medical information. We do not sell or rent to anyone your medical information; nor do we disclose it to others for marketing purposes. We only use and share personally identifiable medical information for the following purposes:

to underwrite insurance;
to administer your policy or claim; and
for other purposes as allowed by law, such as in response to legal process.

Information We May Disclose

We work hard to protect the information we have about you, but sometimes it is necessary for us to share your information with others. We may share personal information we have about you as allowed by law. For example, we may share your information with third parties that perform services for us. In addition, your Representative,* and others assisting your Representative, have access to the information that they need to provide service to you. They may also use this information to advise you of other financial products and services offered by the independent companies.

We may work with outside firms to help us develop our marketing approaches. We may share with such firms certain identifying and non-medical transaction information, as described above. This helps us to provide you with better service. This also makes it possible for us to advise you of other financial products and services we offer to meet your needs. We do not offer an opportunity for you to prevent this type of sharing, which is allowed by law.

When we hire other parties to help us conduct our business, we require them to protect your personal information. Further, we do not permit them to use or share your personal information for any purpose other than the work they are doing on our behalf or as required by law.

We treat the information of our current and former customers in the same manner.

Last revised: January 1, 2010