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Customer Privacy Notice


Your private records and those of your covered family members are safe with us. We have a longstanding policy that maintains the confidentiality of your personal data necessary to administer insurance and to provide service.

As you know, many companies sell the names of customers to others. We do not sell or rent your name or your records to any other organization or business concern.

Confidentiality and Security

We have implemented policies and procedures to protect the confidentiality of personal information. We maintain physical, electronic, and procedural safeguards to protect personal data from unauthorized access and unanticipated threats or hazards.

Information That May Be Collected

We receive personal information from you on insurance and annuity applications, claim forms, and other forms. In addition, we may receive information from your health care providers through the course of managing insurance transactions. We also have personal information from transactions with us, our affiliates, and certain third parties with whom we have service or joint marketing agreements. These third parties may include our reinsurers, insurance administrators, consultants, medical information bureaus, and other insurers with whom we do business.

Generally, we receive personal information by telephone, in writing or through a computer. This includes information about your policies, premiums, and claims. If we need more information from medical professionals or consumer reporting agencies, you must
authorize it.

Independent Insurance Agents

The independent insurance agents authorized to sell our products are not our employees. Since these agents are subject to the same privacy laws that govern us, these agents may have privacy obligations to you that are independent of ours.

Information We May Disclose

We regard all personal information as confidential. We will not disclose your personal information unless we are allowed or required by law or if you tell us we can. We only make those disclosures that are necessary to administer your insurance products, to effect transactions made in the ordinary course of our business and to pay claims. We may provide personal information only to our affiliates, agents, joint marketing partners and certain third parties such as insurance administrators, reinsurers, consultants, and regulatory or governmental authorities.

We work with our affiliates and outside firms to help with administrative and other insurance services and marketing. As permitted by law, these affiliates and firms may use certain identifying and non-medical information. Our affiliates are subject to the same policies regarding privacy of your information as we are. Our policy is to require our vendors and third party administrators to pledge to maintain the confidentiality of your personal information and abide by all applicable privacy laws. These firms are prohibited from using or disclosing personal information given to us for any purpose other than the work which they are performing or as required by law.

Further Information

You have the right to obtain access to recorded personal information in our possession or control, to request correction if you believe the information to be inaccurate and to add a rebuttal statement to the file if there is a dispute. You have the right to know the reasons for an adverse underwriting decision. Previous adverse underwriting decisions may not be used as the basis for subsequent underwriting decisions unless we make an independent evaluation of the underlying facts. Further, you have the right, with very narrow exceptions, not to be subjected to pretext interviews.

Even if our relationship ends, we pledge to maintain our privacy policy and practices.

If you have any questions about our privacy policy, please write us at:

Fort Dearborn Life
1020 31st Street
Downers Grove, IL


Colorado Bankers Life
5990 Greenwood Plaza Blvd. #325
Greenwood Village, CO

The following is a list of entities that this notice applies to, as of March 1, 2005:

Fort Dearborn Life Insurance Company
Colorado Bankers Life Insurance Company

And their affiliates:
Dental Network of America
Industry Savings Plans, Inc.
Combined Services, LLC
Health Care Service Corporation, a Mutual Legal Reserve Company




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