Privacy Policy

What this Policy Covers

Axcelus Financial Life Insurance Company (“Axcelus” or “we”) values your privacy. We do not sell your information. We limit the use of your sensitive personal information to that which is necessary to provide our products and services or to consider your candidacy for employment or respond to any inquiries you may submit through the website or otherwise.

We collect personal information to determine if you qualify for our products and services, to offer you our products and services, to service your account, to respond to your inquiries when you contact us, and to consider your employment, as applicable.

This policy sets out how Axcelus collects and uses information including information that may personally identify you (“Personal Information”).

Information Axcelus collects

Axcelus may collect information in a number of ways, including, without limitation, as follows:

Information we receive from you on applications and related forms (such as name, address, social security number, assets, income or other personal or medical information);
Information about your transactions and relationships with us and our family of companies (such as products or services purchased, account balances and payment history);
Information we receive from consumer reporting agencies (such as credit relationships and history);
Information we receive from outside sources in order to issue and service your policies (such as motor vehicle reports, medical information from your providers and other public information);
When you submit a resume or other information to be considered for employment with Axcelus;
Information you submit through our website such as:
- When you create an account at our “Careers” section
- When you submit a question, we collect the e-mail address and other contact information you provide
  When you request an e-mail be sent to another person through the website, we will collect your and the other person’s e-mail addresses
- When you visit various pages on the website, we also may collect certain other non-personally-identifying information about your visit from your Web browser (see below).
When you voluntarily provide Personal Information to us for any other purpose

Axcelus uses your Personal Information to:

Offer you our goods and services
Provide our goods and services
Validate and/or service your account.
Consider your candidacy for employment.
Confirm your identity, as necessary.
Respond to questions and comments you submit through the website or to Client Services or otherwise.
Carry out specific actions you may request.

To whom Axcelus discloses your Personal Information

We may share some or all of your Personal Information without your permission, as permitted by law and as is necessary to support and provide our products and services, maintain our Website, and to comply with legal and regulatory requirements to persons or companies such as:

Your agent or broker;
Banks;
Reinsurance Companies;
Third party service providers that assist us in the servicing of your policies;
Third party service providers that assist in the printing or delivering of statements and notices;

We may also disclose some or all of your Personal Information, but only as permitted by law, in response to:

Law enforcement agencies or governmental inquiries;
Subpoena;
Legal requirements;
State or federal regulators or agencies; or
Auditors.

We do not sell any of your personal information to any third party. We will not share personal health information without your permission, except as allowed or required by law.

Automatically Collected Non-Personal Information

When you use the Website, we also may collect certain standard non-Personal Information from your browser and personal computer that Websites often collect, such as your IP address, your browser information (including browser type, capabilities, and language), your operating system, and the date and time you accessed the Website. We may also capture the country from which the visit came and the paths taken as you move from one Website or Webpage to another Website or Webpage (i.e., your “click stream” activity). We may group some or all of this information into aggregate data in order to describe the use of the Website by our users to our existing or potential business partners, sponsors, advertisers, or other third parties, or in response to a government request. We may also group demographic information that we collect from the Website’s users into aggregate data for the same purposes.

Axcelus may also use non-Personal Information to improve, enhance, and tailor the Website and to review analytics and use trends of the Website. Axcelus may also disclose such non-Personal Information to third party service providers that assist in certain services on our behalf, such as processing, storing, maintaining and transmitting data, processing and providing marketing assistance, web analytics, and data analysis. However, we do not use Personal Information for marketing purposes and we do not sell your Personal Information.

How We Use Cookies

A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyze web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences. We use traffic log cookies to identify which pages are being used. This helps us analyze data about webpage traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes, and then the data is removed from the system. Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer, although this may prevent you from taking full advantage of the Website.

Security

We are committed to ensuring that your information is secure. In order to prevent its unauthorized access or disclosure, we have put in place physical, electronic and procedural safeguards to protect your Personal Information. We also have procedures in place that limit access to personal information about you to those employees, representatives and service providers who need to know such information in order to assist in issuing, servicing and administering products and services on your behalf.

Changes to this Privacy Policy

This Privacy Policy is effective as of January 22, 2024 and Axcelus shall review and update it at least annually. We reserve the right to revise, amend or modify this Policy at any time. If we make material changes to our Privacy Policy, we will provide our current customers with a revised notice and will update this Policy on the Website. We encourage you to review this policy periodically. Your continued use of our products and services, including the Website, constitutes your agreement to this privacy policy and any updates. Please direct any questions or comments regarding our privacy policy to 1-800-734-3280.

This Privacy Policy is provided on behalf of Axcelus Financial Life Insurance Company and its affiliates:

Axcelus Financial Life Insurance Company of New York;
Axcelus Financial Distribution Company;
Axcelus Financial Agency, Inc.;
Axcelus Financial Life Insurance Company (Bermuda) Ltd.
Axcelus Financial Brokers Inc.