Revised July 10, 2003

At Shore Benefits Brokerage, we value you as a customer. We share your concerns about privacy. We are providing this notice to explain how we treat personal information ("customer information") that is not public. This is information we obtain from you or other sources when we provide you with products and services.

We want you to know that we respect your privacy; and we protect your information.

Attention Internet users . . .
This notice provides information about your use of our Web site. This includes:

Below are answers to questions you might have about privacy. You may be wondering.. .

What do we do with your information?

We do not sell your customer or medical information to anyone. We do not share this information with companies or organizations outside of Shore Benefits Brokerage that would use it to contact you about their products and services. If that practice were to change, we would offer you the means to opt out of this type of information sharing. Also, we would obtain your consent before sharing your medical information for marketing purposes.

Your agent or broker may use your information to help you with your insurance needs. We may also contact you about products, features, and options in which you have expressed an interest. Without your consent, we may provide your information to persons or organizations in and out of Shore Benefits Brokerage. This would be done as permitted or required by law. We may do this to:

These persons or organizations may include:

What kind of customer information do we have, and where did we get it?

Much of the information that we have about you comes from you. When you perform certain transactions, you may give us information such as your name, address, and Social Security Number. These transactions include when you submit an application for insurance, submit a request for insurance, submit a request for products and services we offer, or submit a request for an insurance quote. We keep information about the types of services you purchase from us and our affiliates. Examples of this include premiums, account balances, and payment history. We may collect information from our web site. This includes your activity while using or site and information from online collecting devices known as "cookies" (see below). We may collect information from outside sources such as consumer reporting agencies and health care providers. The information we collect may include the following:

How do we protect your customer information?

We expect any company with whom we share your information to use it only to provide the service we have asked them to perform. Information about you is also available within Shore Benefits Brokerage. It is available to those people who may need to use it to meet and service the needs of our customers. We communicate the need to protect your information to all employees and agents. We especially communicate this need to people who have access to it. Plus, we have established physical, electronic, and procedural safeguards to protect your information.

Note that if your relationship with us ends, your information will remain protected. This protection will be provided according to our privacy practices outlined in this notice.

How can you find out what information we have about you?

You may request to see, or obtain by mail, the information about you in our records. If you believe that our information is incomplete or inaccurate, you may request that we correct, add to, or delete from the disputed information. To fulfill your request, we may make arrangements to copy and disclose your information to you on our behalf. This may be done with an insurance support organization or a consumer reporting agency. You may also request a more complete description of the entities to which we disclose your information, or the conditions that might warrant such disclosures. Please send any of the requests listed above in writing to:



Shore Benefits Brokerage
Customer Privacy Inquiries
P.O. Box 1
Allenhurst, NJ 07711


If you are an Internet user…

Our web site, shorebenefits.com, provides information about us, our products services. This Privacy Statement applies to users of shorebenefits.com, regardless of whether the user is a Shore Benefits Brokerage customer. In addition, as an Internet user, you should be aware of the following . . . .

What are cookies and how are they used?
Do you log my activity on your site?
Will I receive promotional e-mails from Shore Benefits Brokerage?

During the period you are logged in our site, we log IP addresses (a number assigned to your computer when you use the Internet), browser and platform types, domain names, access times, referral data (the last site or URL you visited before logging into our), and your activity while using or reviewing our site.

As part of our services, we also use cookies. A cookie is a message sent to your browser from a Web server that is stored on your computer's hard drive. The message is sent back to the Web server whenever the browser requests a page from that server. Many commercial Internet sites use cookies. While a code in the cookie file enables the site to label you as a particular user, it does not identify you by name or address unless you have provided us with such information (over the Internet or otherwise) or set up preferences in your browser to do so automatically, in which case it may identify you by name, address or other personal information. You may opt out of accepting cookies by changing the settings on your browser. However, rejecting cookies may prevent you from using certain functions and you may have to repeatedly enter information to take advantage of services or promotions.

In general, cookies allow us to identify you as a particular user and thus provide you with a more customized service. We may also use cookies to track and measure customer or user requests, inquiries, preferences, interests, demographics, traffic patterns and Web site usage, and to determine audience size and repeated usage. This information may also be used to manage and customize our Web site's content, layout, and services in order to improve our site, enhance customer service, and provide tailored messages.

As indicated above, we may also use customer information to send you promotional communications about products, features, and options that we believe may be of interest to you. If we have your e-mail address, we may do this by e-mail. If you do not wish to receive promotional e-mails from us, you can inform us of your desire to be removed from our mailing lists by writing us at Shore Benefits Brokerage Insurance Company, Customer Privacy Inquiries, P.O. Box 1, Allenhurst, NJ 07711 or email us at customerprivacy@shorebenefits.com.

Who Should Use Our Web Site?

Our Web site is for insurance and financial products and services and is not intended for children. We offer insurance and financial products and services and thus do not market any products or services to children under the age of thirteen or knowingly collect any information from children under the age of thirteen. If we become aware that information is or has been submitted by or collected from a child under the age of thirteen, we will delete this information.

What security procedures do we use to guard against the loss, misuse, alteration, or theft of information while that information is being submitted to Shore Benefits Brokerage over the Internet?

We use the Secure Socket Layer (SSL) protocol, secure servers and security protocol to safeguard the information you submit.

To help ensure the security of your personal and financial information that you submit to us (other than via an e-mail message), we use security software to encrypt the information before and during its transmission through the Internet. We only allow information to be submitted for transmission if your browser is compatible with our security software. If your browser is not compatible, you will receive a message indicating your transaction can be completed but at a lower level of security.

E-mail messages are not secure. Our security software does not encrypt e-mail messages. E-mail messages traveling through the Internet are subject to viewing, alteration, and copying by potentially anyone on the Internet.

We take seriously the issue of safeguarding your privacy online. However, please note that you should exercise discretion with respect to the submission of any personal or financial information via e-mail. Please keep in mind that transmitting information via e-mail over the Internet is never completely secure and thus any information submitted may be intercepted, collected, used or disclosed by others. If you are concerned about the security of your communication, we encourage you to send your correspondence through the postal service or use the telephone to speak directly to us. We are not responsible for the security or confidentiality of communications you send to us through the Internet using e-mail messages.

What can you do as a customer to help maintain the security of information when accessing Shore Benefits Brokerage over the Internet?

Some steps you can take to maintain the security of your information include:

· Utilize the latest, generally proven version of the Netscape, Microsoft Explorer or the America Online browser. Our site is most secure when using one of these browsers.


Whose Privacy Statement applies to Links and Co-Branded Sites?

This Web site contains links to other. Shore Benefits Brokerage provides links to other sites as a convenience to persons who visit the Shore Benefits Brokerage site. If you choose to use the services provided by those sites, you may be asked by those sites to provide certain personally identifiable information (some of which may, on an individual or aggregated basis, be shared with Shore Benefits Brokerage). Please be aware that Shore Benefits Brokerage is not responsible for the privacy practices of those sites, even though Shore Benefits Brokerage name or logo may appear on those sites. We encourage you to be aware when you leave our site and to read the privacy policies of each and every Web site that you visit, as the privacy policies of those sites may differ from ours. Our Privacy Statement applies solely to this Web site.

We hope you have found this Important Notice helpful. If you are not comfortable with any of the terms or policies described in this Privacy Statement, we ask that you discontinue use of our site. Please be aware that we may periodically update or revise this Privacy Statement. If we change our online Privacy Statement, we will post a notice on our homepage notifying users that the policy has been revised. If you have any questions or would like more information, please don't hesitate to contact your Shore Benefits Brokerage agent or call the Shore Benefits Brokerage at 800-777-1459.