PRIVACY STATEMENT

This privacy policy is effective July 1, 2004. We reserve the right to modify or amend this privacy policy at anytime and for any reason. The modified or amended privacy policy will be posted to our website.

Lincoln Heritage Life Insurance Company recognizes the confidentiality expectations of our applicants and policyholders. When you apply for insurance you disclose a certain amount of information about yourself to us. We believe it is important you know how we treat the information about you we receive.

In general you can visit Lincoln Heritage Life Insurance Company on the World Wide Web without telling us who you are or revealing any information about yourself. Our web servers collect the domain names, not the e-mail addresses, of visitors. This information is gathered to measure the number of visits, average time spent on the site, pages viewed, etc. We use this information to help us create a better experience for users of our Web site.

There are times, however, when we may need information from you to respond to your inquiry or allow you to access specific account information. We collect no more personal information than is necessary to provide superior service.

OUR PROMISE TO YOU
We will collect only information necessary or relevant to our business.
We will use only legitimate means to collect information.
We will only make personal information available:
      to outside companies to respond to legitimate business needs
      to regulatory or other government authorities
      as authorized by you
      as otherwise permitted by law

We restrict access to nonpublic personal information to those associates who need to know to provide excellent customer service for you.

Lincoln Heritage Life Insurance Company believes in educating our associates so that they understand the importance of confidentiality of personal information and in taking appropriate measures to enforce associate privacy responsibilities.

INFORMATION COLLECTION
We collect nonpublic personal information about you from:
Applications or other forms you complete.
Your business dealings with us.
Information we receive from medical or health care providers as authorized by you.

INFORMATION USE AND DISCLOSURE
We may disclose personal information about you as allowed by law such as:
Information from your application or other forms, such as your name, address, social security number and beneficiaries.
Information about your transactions with us such as your policy coverage, premiums and payment history.

MEDICAL INFORMATION
We may collect medical information to provide you a product or to process a claim. We do not use or share this information for any other purpose than as required or permitted by law or as otherwise authorized by you.

INFORMATION ACCESS AND CORRECTION
You have the right to review and request correction of the personal information we have recorded about you. To do this write to us at:

Lincoln Heritage Life Insurance Co.
PO Box 29045
Phoenix, AZ 85038

We will respond within 5 business days of receipt of your request.

INFORMATION CONFIDENTIALITY AND SECURITY
We maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to protect your nonpublic personal information. Third parties who have access to personal information must agree to use it only to perform the services agreed upon and to comply with all applicable federal and state laws.

We use secure technologies in order to safeguard the transmission of your personal information through this site. You always have the option of submitting information to the above address or phone the toll-free customer service number:

1-800-438-7180

If you have any questions or concerns about privacy, our information practices, secure Web servers or the confidentiality of personal data transmissions over the Internet, please call us at 1-800-438-7180 or e-mail security@lhlic.com.