Privacy Policy


We value your business and we appreciate the trust you have placed in us. We’re serious about keeping your personal information private. This notice describes what kind of information we collect, how we handle your personal information and what steps we take to protect your privacy.


Information We Collect
We collect certain public and nonpublic information necessary for the pricing, underwriting and servicing of the insurance products you have applied for or that are already in force.


We collect information from the following sources:

Information we receive from you on applications or other forms (such as name, address and social security number); Information about your transactions with us, our affiliates, or others (such as products purchased and policy coverage); Information we receive from a consumer reporting agency or other companies not affiliated with Northern Michigan Benefits (such as address information, underwriting and claim history); and Information we receive from you and other parties regarding claims or services.


Information We Disclose

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted or required by law.


How We Protect Your Information

We restrict access to nonpublic personal information about you to persons who need to know that information so we may provide our products or services to you. We maintain physical, procedural, and electronic safeguards that comply with government regulations and established security standards to guard your nonpublic personal information.


If You Have Questions
We are committed to protecting your privacy. If you have any questions regarding the information contained in this notice, please contact us

© 2015 by Northern Michigan Benefits.