Informal Inquiry

AUTHORIZATION TO OBTAIN AND DISCLOSE INFORMATION

Records and information obtained from the Proposed Insured or other parties may be disclosed to and between the insurance companies, insurance agencies, banks, lenders, financial institutions listed below, and Kuorum Partners and its brokers, contractors, employees, representatives, and agents working through Kuorum Partners for purpose of the Proposed Insured applying for or evaluating insurance coverage.

Insurance Companies, Agencies, Financial Institutions, Banks and/or Lenders

Abacus Life Accordia Life Advantage Insurance Network, Inc. (AIN) Allianz American General Life (AIG) American National Americo Ameris Bank Ameritas APPS - Para Medical Services Assurity Life AVS, LLC AUS Underwriting AXA / MONY / AXA Equitable Banner Life Beneficial Financial Group Bragg Associates Brighthouse Financial Columbus Life Concord Capital/INSCAP Coventry First, LLC Crump Life Insurance Services, Inc. Elite Producer Group Employee Pooling EP Insurance Services Equity Key, LLC Equity Release Exam One Examination Management Services, Inc. Exceptional Risk Advisors Express Imaging Serices Fasano Associates, Inc. Fidelity & Guaranty Life Ins. Co. First Global Financial & Insurance First Insurance Funding First Penn Foresters General American Life Ins. Co. Global Insurance Underwriters Global Atlantic Financial Group GE Financial Assurance Co. Genworth Life Insurance Co. Genworth Life and Annuity Guardian Life Ins. Co. Great West Life

Hartford Life Insurance Co. Human API Industrial Alliance Pacific ISC Services Jetstream APS John Hancock Life Ins. Co. John Hancock USA John Hancock New York Kuorum Partners Lafayette Life Lewis and Ellis, Inc. Life Insurance of the Southwest LifeShare Lincoln Financial / Lincoln Life Lincoln National Life Insurance Co. Lion Street Massachusetts Mutual Metropolitan Life MetLife Investors USA Insurance Co. Minnesota Life / Securian Financial Mutual of Omaha National Life of Vermont National Western Nationwide Life & Annuity Co. New Investor World, Inc. New York Life Insurance Co. NY Life Ins. & Annuity Co. NexTier Bank, NA North American Company Old Mutual Financial Network OneAmerica / State Life Pacific Life Insurance Co. Pacific Life and Annuity Co. Pan-American Assurance Co. Pan-American Life Ins. Grp. Penn Insurance and Annuity Co. Penn Mutual Life Insurance Co.  Premium Funding Group (PFG) Pioneer Mutual Phoenix Life Insurance Company Presidential Life

Principal Life Insurance Company Principal Financial Principal National Life Insurance Company Pro Offer (Risk Righter LLC) Professional Underwriting Services Protective Life Ins. Co. Prudential Life Ins. Co. / Pruco Life ReliaStar Life Ins. Co. ReliaStar Life Ins. Co. of NY RSA Medical SBLI Securian Life Insurance Co. Security Life of Denver Ins. Co. Security Mutual Simplicity Life Standard Life Sun Financial Sun Life Ins. Co. of America Sun Life Ins. Co. of Canada Superior Medical Group Superior Mobile Medics Symetra  Transamerica Financial Life Ins. Transamerica Life Insurance Co. Travelers Life & Annuity 21st Services Union Central Life United of Omaha USG Annuity & Life Versatile Insurance Services Voya - ReliaStar Life of New York Voya - ReliaStar Voya - Security Connecticut Life Voya - Security Life of Denver West Coast Life Insurance Co. Western Reserve Life William Penn Life Ins. Co. William Penn of New York Wintrust Bank Zurich American Life Insurance Company Zurich American Life Ins. Co. of NY

The purpose of this Authorization is to assist in the evaluation and placement of my application for insurance. I hereby authorize the release of any and all records and information regarding me, the proposed insured, pursuant to this Authorization. This includes, without limitation, any and all records and protected health information regarding diagnosis, testing, treatment, and prognosis of my physical or mental condition, with the exclusion of psychotherapy notes. Such records and information to be released may include, but are not limited to, facts about my: (1) mental and physical health; (2) alcohol/drug abuse treatment, (3) pharmacy prescriptions, (4) HIV testing and treatment, except where prohibited by law, (5) sexually transmitted diseases, (6) Sickle Cell testing and treatment, (7) laboratory test results, (8) other insurance coverage, (9) hazardous activities, (10) character, (11) general reputation, (12) mode of living, (13) finances, (14) occupation, and (15) other personal traits.

I understand that any Insurer or Agency named afore, its reinsurers, and insurance support organizations, and those persons authorized to represent them may need to collect such information for proposed insurance coverage. The Insurers and Agencies named afore and their reinsurers will use the information in order to determine whether I am insurable or to assist in the application and underwriting process. The insurance producer may also use this information to help update and improve my insurance program.

I hereby authorize any medical practitioner, including my primary care physician listed below,

Physician Name: {doctor1}; {phoneNumber}

Physician Address: {address166},  any medical facility, health plan, health care professional, laboratory, other medical entity, insurance support organization, financial institution, consumer reporting agency, and my employer, to give the information described above to Kuorum Partners, the Insurers and Agencies listed afore and to:

Agent/Producer Name: 

I understand that my information will be kept confidential, and will not be disclosed to other persons or organizations without this written permission for the purposes referenced herein, except to the extent that it is necessary for (1) the Insurers and Agencies named afore and their reinsurers and other entities required to conduct business; (2) other insurers to which I have applied or may apply; (3) reinsurers; or (4) other persons whom perform business, professional or insurance services for them. They may also disclose this information as allowed by law. The information will be used by the insurance and/or settlement companies named below and their reinsurers to determine eligibility for insurance and/or by the insurance agent to aid in updating and improving my insurance program. The information collected may be disclosed to other insurance companies to which I have applied or may apply, settlement companies, reinsurance companies, the Medical Information Bureau, Inc., or other persons or organizations performing business, professional, or insurance functions for the insurance and/or settlement companies named below, or as may be otherwise legally allowed.

I understand that when information is used or disclosed pursuant to this Authorization, it may be subject to re-disclosure by the insurance company and may no longer be protected by the federal and state laws and regulations that may have applied in the first instance. This Authorization will remain in effect for 24 months from the date of my signature below.

I understand I may revoke this Authorization at any time by requesting such of my agent/broker in writing and sent to the healthcare provider if required. I understand that such revocation would not be effective to the extent any of the parties herein have already relied upon this authorization.

A photocopy of this Authorization is as valid as an original. I acknowledge that I have received a copy of this Authorization and the Notice to Proposed Insured(s). If minor children are proposed for coverage, the above statements are made by the person authorized to act on their behalf.

I understand that I am not required to sign this Authorization. I understand, however, that if I do not sign this Authorization to release my records and information that the insurers and agencies listed herein may not be able to evaluate and place my application for insurance. I understand that any healthcare provider who receives this authorization will not condition treatment, payment, enrollment, or eligibility for benefits on whether I provide this Authorization.

NOTICE TO PROPOSED INSURED

Instructions to the Agent/Producer: This notice must be given to the proposed insured before or at the time of signature.

Federal Fair Credit Reporting Act Notice

Federal law requires that you be advised that in connection with your application or informal inquiry concerning insurance, an investigative consumer report may be prepared whereby information is obtained through personal interviews with your family, friends, neighbors, business associates, financial sources, or others with whom you are acquainted. This report would include information as to your character, general reputation; personal characteristics, and mode of living, except as may be related directly or indirectly to your sexual orientation. If you make a written request to any of the insurers named on the reverse side within a reasonable time after receipt of this notice, you will be informed whether or not an investigative consumer report was requested, and if such a report was requested, you will be advised of the name and address of the consumer reporting agency to whom the request was made. The consumer reporting agency, upon request, will furnish information as the nature and scope of its investigation. You have the right to inspect and to receive a copy of any such report by contacting the consumer reporting agency.

The Medical Information Bureau (MIB)

A source of information and medical records, MIB is a non-profit insurance support corporation that operates an information exchange on behalf of member life insurance companies. Member companies will ask the MIB if it has a record concerning you. If you previously applied to a member company for insurance, MIB may have information about you in its file. The purpose of the MIB is to protect member companies and their policy owners from those who would conceal significant facts relevant to their insurability. The information which is obtained from MIB may be used only as an alert to the possible need for a further independent investigation. It cannot be used as a basis for making a final underwriting decision.

At your request, the MIB will arrange disclosure of any information it may have about you in its file. If you question the accuracy of the information on file, you may contact the MIB and seek a correction in accordance with the procedures set forth in the Federal Fair Credit Reporting Act. The address of the information office of MIB, Inc. is PO Box 105, Essex Station, Boston, Massachusetts 02112, telephone number: 866-692-6901.

Notice of Insurance Information Practices

In the course of properly underwriting and administering your insurance coverage, the insurers named on the reverse side will rely primarily on information provided by you. They may also seek information from others, such as medical professionals who have treated you. In some cases, they may ask a consumer reporting agency to collect information and submit an investigative consumer report to them. This also authorizes the preparation of an investigative consumer report. You have the right to request to be interviewed in connection with the preparation of that report. The consumer reporting agency will make the contents of that report available to you in accordance with federal law.

In some situations, and in compliance with applicable law, the consumer reporting agency may disclose necessary items of information to the parties without your specific authorization.

You have the right to be told about, and to see and copy if you wish, items of personal information about you that appears in their files, including information contained in investigative consumer reports. You also have the right to seek correction of information you believe to be inaccurate.

THE ABOVE IS A GENERAL DESCRIPTION OF THE NAMED INSURERS AND YOUR AGENT’S INFORMATION PRACTICES. EACH INSURER NAMED HEREIN REQUIRED THE COMPLETION OF A FULL APPLICATION OF ITS RESPECTIVE PRODUCT LINES.