GBU Private Policy Trifold Brochure

We value you as a member and take your personal privacy seriously. We have established policies, procedures and safeguards to protect the information you have given us and to limit how the information is shared. This document describes what information we collect, and how we use and protect it.

Insurance that makes a difference At GBU Life (GBU), we specialize in life insurance and annuity products to protect families and anchor retirements. We do things differently than most insurance providers.

We don’t have shareholders. We don’t have clients.

Instead, we have members—members who come to GBU Life to secure their futures, build their legacies and impact the communities around them.

As a member-driven company, we don’t charge service or administrative fees. We don’t have teaser rates that change in the future. Just solid solutions designed by insurance and investment professionals and supported by dedicated service representatives.

A.M. Best recognizes GBU Life’s fiscal responsibility and growth by rating us A- Excellent.

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Our privacy commitment to you

We help deliver stability in an uncertain world Throughout our 125+-year history of navigating challenging events and volatile markets, GBU Life has fulfilled countless commitments from financial protection for young families through security for retirees, and every dream in between.

With a culture rooted in deliberate risk management, we strive to deliver competitive rates and share favorable results with our members. ◗ Member policies are backed by GBU Life’s consistently growing asset portfolio, which exceeds $3 billion. ◗ Our record $230 million surplus, the amount we hold over and above our member benefit reserves, helps to provide even more security. ◗ Standing behind every $100 of GBU Life policy obligations is $108 in assets. This solvency ratio of 108 percent means GBU Life can more than meet our commitments.

As of 6/15/22, AM Best updated GBU Financial Life's Arating, which we have maintained since 2017. Third-party ratings are subject to change. A- (Excellent) rating is 3rd best out of 17 possible rating categories. For the latest Best’s Credit Rating, access www.ambest.com.

GBU-PRV-BR-0123

4254 Saw Mill Run Blvd. Pittsburgh PA 15227 800-765-4428 services@gbu.org

NOTICE OF PRIVACY POLICY

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Information we may collect

How we protect your information

Nonpublic information” means personally identifiable personal, financial and medical information about you that we obtain in connection with providing a product or service to you.

We maintain physical, electronic and procedural safeguards to protect the information we collect about you. Access to such information is restricted to individuals who need it in order to service your policy or provide products and services to you, and who are trained in the proper handling of such information. Employees who violate these confidentiality requirements are subject to our disciplinary process.

Types of information we may collect and how we gather it: ◗ Information we obtain from your application.

You provide us with most of the information we need as part of the application process.

We contractually require any person or organization providing products or services to GBU members on our behalf to adhere to the same strict standards of confidentiality.

◗ Information we obtain from third parties. The kind of information we may gather depends on the type of policy or contract, but may include medical reports, claims reports, credit reports and motor vehicle reports. ◗ Information about transactions and experiences.

Your file may contain information we develop and maintain, such as your payment history, underwriting and claim documents.

How we use your information We use customer information to underwrite your policies, process your claims, ensure proper billing, service your policies and offer you other GBU products that we believe may suit your needs.

We do not disclose nonpublic information about you with anyone, except as permitted or required by law or as you may authorize.

GBU has no affiliated financial institutions or thirdparty nonaffiliates that have access to your nonpublic information, except as permitted or required by law or as you may authorize.

We afford prospective and former members the same protections as existing members with respect to the use of nonpublic information.

It is important that the information we maintain about you is complete, up-to-date and accurate.

You may contact us to access, as provided by law, information included in your file. If you believe any of our information about you is incorrect, please notify us in writing so that we can update this information.