We share the types of NPI described above primarily with people who perform insurance, business and professional
services for us, such as helping us perform underwriting, provide stop loss coverage, pay claims, detect fraud, and
to provide reinsurance or auditing. We may share NPI with medical providers for insurance and treatment purposes and
with insurance support organizations. The organizations may retain the NPI and disclose it to others for whom it
performs services. In certain cases, we may share NPI with group policyholders for reporting and auditing purposes,
with parties for a proposed or final sale of insurance business or for study purposes. We may also share NPI when
otherwise required or permitted by law, such as sharing with governmental or other legal authorities. When legally
necessary, we ask your permission before sharing NPI about you. Our practices apply to our former, current and
We do not share your health NPI to market any product or service. We also do not share any NPI to market
non-financial products and services.
The law allows us to share NPI as described above (except health information) with affiliates to market financial
products and services. The law does not allow you to restrict these disclosures. We may also share with companies
that help us market our insurance products and services, such as vendors that provide mailing services to us. We may
share with other financial institutions to jointly market financial products and services. When required by law, we
ask your permission before we share NPI for marketing purposes.
When other companies help us conduct business, we expect them to follow applicable privacy laws. We do not authorize
them to use or share NPI except when necessary to conduct the work they are performing for us or to meet regulatory
or other governmental requirements.
Unum companies, including insurers and insurance service providers, may share NPI about you with each other. The NPI
might not be directly related to our transaction or experience with you. It may include financial or other personal
information such as employment history. Consistent with the Fair Credit Reporting Act, we ask your permission before
sharing NPI that is not directly related to our transaction or experience with you.