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Special PRIVACY POLICY FOR CALIFORNIA RESIDENTS and PRIVACY NOTICE OF CALIFORNIA RESIDENTS apply to customers or potential customers who reside in the State of California. Any rights a consumer, claimant, or beneficiary may have as described in the California Policy and Notice are not limited by the "Our Privacy Notice" that you have received.

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Privacy Policy


We consider the privacy of our customers to be a matter of utmost concern. While the information we collect about you is necessary to provide you with superior products and service, we are dedicated to maintaining the confidentiality of your personal information. Unlike some other companies, we do not sell or rent the information you have entrusted to us.

We collect the personal information that you give us and information about the products and relationships you have with us, so that we can serve you, including offering products and services to you. While most information is collected at the time of application or claim, additional information may be required if you request changes to your contract or other service. It includes, for example:
  • Information we receive from you on applications or other forms, such as your name, address, telephone number, Social Security number, health, financial, employment history, avocations or other personal characteristics. We may also gather information from you electronically, by telephone and in writing.
  • Information about your transactions with us, our affiliates or others, such as your life insurance or annuity coverage, premium payment and investment history.
We also collect data others give us about you, for example:
  • Information you authorize us to obtain, such as medical professionals' and hospital records. We may gather information from any required medical exams or tests. Medical information we receive about you will not be disclosed without your authorization, except as required by law.
  • Information from third parties such as adult family members, employers, and other insurers.
  • Information we receive from consumer reporting agencies, such as your credit-worthiness and credit history. This type of information will be shared in appropriate situations and only to the extent required for necessary business purposes.

We maintain physical, electronic, and procedural safeguards to protect your personal information from unauthorized access and anticipated threats or hazards. We maintain strict policies and procedures to protect the confidentiality of your information during all stages of your relationship with us. We continually review our policies and practices, monitor our computer networks and test the strength of our security in order to help us ensure the safety of customer information. Access to your information by employees and other representatives is restricted to those individuals having a business need for such information. If your relationship with us ends, we will continue to handle data about you the same way we handle customers' personal information.

We understand that you may be especially concerned about the privacy of your medical information. We want to assure you that we do not sell or rent to anyone your personally identifiable medical information, nor do we disclose it to others for marketing purposes. We only use and share personally identifiable medical information for purposes of underwriting insurance, administering your policy or claim, and other purposes permitted by law, such as disclosures to insurance regulatory authorities, or in response to legal process.

We regard all your personal information as confidential. However, in the course of conducting our business there are circumstances in which we may disclose to other parties information we have about you. These disclosures are only made as permitted by law, such as disclosures to our reinsurers, administrators, consultants, and regulatory or governmental authorities. In addition, our agents, N.I.S. Financial Services representatives, and others assisting them have access to the personal information needed to administer your business and provide service to you. They may also use this information to advise you of additional financial products and services offered by Ozark and its affiliates. We may disclose the above categories of non-public personal information about you to non-affiliated business partners in order to complete requested or necessary business transactions on your application, policy, annuity or mutual fund account, or in order to comply with legal requirements such as subpoenas or tax and fraud reporting. Periodically we may work with outside firms to help us develop our products, services, and marketing approaches. As permitted by law, we may share with such firms certain identifying information and non-medical transaction information, as described above. Whenever we hire other parties to help us conduct our business, we expect them to maintain the confidentiality of your personal information and abide by all applicable privacy laws. Further, we do not authorize them to use or disclose your personal information for any purpose other than the work they are performing on our behalf or as required by law.

This notice is being provided to customers of the companies listed below:
Ozark National Life Insurance Company
N.I.S. Financial Services, Inc.
Ozark National Life Insurance Company is also affiliated with or administers business under the names of:
Integrity Life Insurance, Inc.
Madison National Life Insurance Company, Inc.
Massachusetts General Life Insurance Company
Wabash Life Insurance Company

Ozark National Life

500 E. 9th Street
Kansas City, MO 64106

Phone: (816) 842-6300
Fax: (816) 471-6981
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Mutual funds are Investment Products

Life insurance provided by Ozark National Life Insurance Co.*
• (816) 842-6300
Mutual funds offered through N.I.S. Financial Services, Inc.*†^
• (816) 842-8685
500 E. 9th Street, Kansas City, MO 64106

* Wholly owned subsidiaries of National Western Life Group, Inc.†
† Wholly owned subsidiaries of S. USA Life Insurance Company, Inc ††
†† Wholly owned subsidiaries of Prosperity Holding Company. **
** Wholly owned subsidiaries of Prosperity Life Insurance Group, LLC ++
++ Wholly owned subsidiaries of Prosperity Group Holdings, LP

^ N.I.S. Financial Services, Inc. is not a member of
Securities Investor Protection Corporation (SIPC).