Privacy

M Benefit Solutions
(formerly MCG Northwest, LLC)
Privacy Policy

At M Benefit Solutions, your privacy is of utmost importance to us.

We administer executive benefit programs. We collect personal information to evaluate requests for insurance, administer our products and services, evaluate benefit claims, process requested transactions, and offer additional financial products or services to you. Our relationship with you is our most important asset. We understand that you have entrusted us with your private financial information, and we do everything we can to maintain that trust. The following are the details of our privacy policy.

The M Benefit Solutions privacy policy applies to any person who is currently or formerly insured through M Benefit Solutions. Throughout the policy, we refer to information that personally identifies you as “personal information.”

• We do not sell your personal information to anyone.
• We do not disclose personal information to third parties, unless one of the following limited exceptions applies:
  • We disclose personal information, such as account and transaction data, to companies, including financial institutions, to issue policies, execute transactions, act in a custodial capacity, etc.
  • We may disclose personal information to companies that help us process or service your transactions or account(s).
  • We may disclose or report personal information in limited circumstances where we believe in good faith that disclosure is required by law (for example, to cooperate with regulators or law enforcement authorities, resolve consumer disputes, perform credit/ authentication checks, or for institutional risk control).

  Outside of these exceptions, we will not share your personal information with third parties unless you have specifically asked us to do so.

• We collect personal information in the normal course of business to administer your policies and serve you better.Information From Individuals.
  Most of the information we collect is obtained directly from you or your representative when applying for products or services. For life insurance products, we may collect information pertaining to your health, occupation, avocations or other personal characteristics. We also collect other information that you provide to us when you apply through M Benefit Solutions to purchase an insurance policy. The information we collect may include name, address, phone number, email address, Social Security number, date of birth, marital status, financial information and information about your investment desires and experience. We may also collect information from consumer reporting agencies.Information From Third Parties.
  If we need to verify information or procure additional information, we may obtain information from third parties. Such parties may include consumer reporting agencies, employers, plan sponsors, third-party administrators, insurance companies, etc.Personal information collected from individuals and third parties may vary depending upon the type of policy or service for which you applied. We only collect medical information in connection with underwriting life insurance policies or as may be necessary for claim settlement purposes. We typically do not collect medical information if the plan in which you are enrolling is large enough for us to obtain “guaranteed issue” coverage (coverage which the insurance company guarantees it will issue based on the size of the group) from the insurance carrier.
• We may share personal information with affiliated companies and regulatory agencies.M Benefit Solutions is a wholly owned subsidiary of the M Financial Group and may offer securities and other investment services through M Holdings Securities, Inc., (“M Securities”), a subsidiary of M Financial Group. M Securities is a registered broker-dealer and investment advisor and is required by its various regulatory authorities such as the U.S. Securities Exchange Commission (“SEC”), National Association of Securities Dealers, Inc., (“NASD”), and state jurisdictions to collect, through M Benefit Solutions, review and maintain certain personal information such as investment history, financial data, and employment history in order to fulfill various regulatory requirements.
• We protect the confidentiality and security of your personal information.We restrict access to personal information to select employees and agents who have a need for such information for business purposes only. All such employees are trained and required to safeguard such information.
  We maintain physical, electronic, and procedural safeguards to guard your personal information.
• We continue to evaluate our efforts to protect personal information and make every effort to keep your personal information accurate and up to date.If you identify any inaccuracy in your personal information, or you need to make a change to that information, please contact us so we may promptly update our records and better serve you.
• We will provide notice of any changes in our information-sharing practices.If it is ever necessary to disclose any of your personal information in a way that is inconsistent with this policy, we will give you advance notice of the proposed change so you will have the opportunity to opt out of such disclosure.

If you have any questions or concerns, please call us at 503.238.1813.