Arizona Brokers for health and life insurance providing quality and choice to clients.

L & A Services, Inc.
NOTICE OF PRIVACY POLICY AND INSURANCE INFORMATION PRACTICES

Thank you for trusting us with your insurance needs. Your privacy is very important. You provide personal information when you request a quote for insurance, on insurance applications, on insurance claims and other issues related to your policy. We are very careful to protect your private information. Only when you request service or in activities to maintain and service your account would private information be shared and only the insurance company, insurance company affiliated office, agency or any insurance agency or organization that we work with to maintain your account. Otherwise, your private information is not shared, sold or used for any other purpose. The following notice describes our policies and practices with regard to collecting and disclosing nonpublic personal information about our customers and former customers.

Confidentiality and security of your nonpublic personal information

We maintain appropriate physical, electronic and procedural safeguards to maintain the confidentiality and security of your nonpublic personal information contained in our records. We restrict access to nonpublic personal information about you contained in our records to our associates who need to know that information to provide products or services to you.

Categories of information that we collect

We collect nonpublic personal information about you from various sources:

Information that we receive from you on applications and other forms,
Information about your transactions with our affiliates, others or us,
Information that we receive from a consumer protection agency,
Information that we receive when you visit us through the internet.

Categories of parties to whom we may disclose information

We may disclose nonpublic personal financial information about you to our affiliates. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted or required by law.

Accuracy of your nonpublic personal information that we possess

We strive to maintain the accuracy of your information. In order to help us maintain accuracy, you have the right to reasonably access your information. If you believe any of your information in our possession is inaccurate you may request that we amend, correct or delete the information that you believe to be erroneous. If we concur with your conclusion, we will amend, correct or delete the information in question.

Changes to our notice of privacy policy and insurance information practices

We participate in the 2010 HITECH / HIPAA Business Associate Agreement. If we make any changes to our policies or practices, we will provide you with a copy of a revised notice as required by applicable law.

We recommend you consult legal counsel on exactly what your obligations may be because it is not our intent to provide legal advise.

DISCLOSURES

Quotes are based on info provided. Carrier will adjust rates accordingly if submitted info varies.

In accordance with the National Association of Insurance Commissioner (NAIC) guidelines for consumer disclosure: Agents and Brokers generally are paid a sales commission by an insurance carrier for the sale and service of an insurance policy or contract. Commissions may be a one-time payment, may be for the first year only, for a specified period, or may be for the life of the contract. Commissions may be a fixed amount, a percentage of premium, level or graded and may vary based on sales production, client retention, or by other criteria determined by each insurer. Performance based contingent commissions such as sales bonuses, production incentives, contests, trips, prizes, etc. may be offered to the agent or broker by an insurance carrier.

Our position: We all expect to be compensated for the work that we do. Like many sales organizations, commissions are how we are paid for our work. Our client's are generally presented with more than one plan option and they choose the plan that is best for their needs based on a balance of cost and benefits. Our job is to help our clients to select the best plan for their needs without regard to how we may be compensated by that carrier. Since we do not sell based on bonuses or additional carrier incentives, any contingent commissions we may receive are co-incidental. L & A's sales reps are employees, are paid salaries and benefits plus bonuses to sell new and to service our in force accounts. Our clients are very important to us. Should you have any questions about this, please let us know.

Rev. Mar, 2010