L & A Services, Inc.
NOTICE OF PRIVACY POLICY AND INSURANCE INFORMATION PRACTICES

The privacy and security of your personal information is important to us. This notice will inform you about our policies and procedures concerning the personal information about you that we collect, maintain, and disclose in connection with the insurance policies you obtain from us. In order to offer the highest quality insurance products at the lowest possible rates, we collect, maintain and, in some instances, disclose "nonpublic personal information" about you. Nonpublic personal information may include your name, address, social security number, wage information, driving record, policy coverages, and medical information. It may also include transaction information such as your premium payment or claims history. We appreciate the importance of your personal privacy and are committed to protecting it as we provide for your insurance needs.

Collection of Information

We obtain nonpublic personal information about you from the following sources:

From you through phone interviews, applications, or other forms such as claims forms or underwriting questionnaires;
Insurance support organizations such as claims reporting services and other parties who provide information on insurance related transactions you have conducted with us, our affiliates, as listed above, or others.

We Do Not Sell Your Information to Others for Marketing Purposes

Because we respect your privacy, we do not sell, trade, or otherwise disclose your identity or any other personal information about you to third parties for their marketing purposes. This includes information we obtain concerning all applicants, customers and former customers. We may, however, share information regarding your transactions with us with our affiliates, as listed below, or companies that perform marketing services on our behalf to assist us in providing our products and services to you. These companies are required to keep your information confidential.

Information We May Provide to Others

We only disclose nonpublic personal information about our applicants, customers and former customers as permitted or required by law in conjunction with our normal insurance operations. Here are some examples:

We may disclose information to others such as our claims adjusters and our attorneys in the processing of an insurance claim;
We may be required by a court of law to provide information in connection with a legal proceeding;
We share information with insurance support organizations;
We may share information with government agencies which conduct examinations of our procedures.

Security of Your Personal Information

While your nonpublic personal information is under our control, access is limited to those employees who have legitimate business needs for such information with respect to your insurance coverages. In accordance with applicable state and federal regulations we maintain physical, procedural and electronic safeguards to protect the privacy and confidentiality of your nonpublic personal information.

Accuracy of your nonpublic personal information that we possess

We strive to maintain the accuracy of your information. In order to help us maintain accuracy, you have the right to reasonably access your information. If you believe any of your information in our possession is inaccurate you may request that we amend, correct or delete the information that you believe to be erroneous. If we concur with your conclusion, we will amend, correct or delete the information in question.

Changes of our notice of privacy policy and insurance information practices

We reserve the right to change the privacy policies and insurance information practices. If we make any changes to our policies or practices, we will provide you with a copy of a revised notice as required by applicable law.

Questions concerning our privacy policy may be directed to Helpdesk:
3240 East Union Hills Drive, Suite 101, Phoenix, AZ 85050
Phone: 602-996-6010

DISCLOSURES

Quotes are based on info provided. Carrier will adjust rates accordingly if submitted info varies.

In accordance with the National Association of Insurance Commissioner (NAIC) guidelines for consumer disclosure: Agents and Brokers generally are paid a sales commission by an insurance carrier for the sale and service of an insurance policy or contract. Commissions may be a one-time payment, may be for the first year only, for a specified period, or may be for the life of the contract. Commissions may be a fixed amount, a percentage of premium, level or graded and may vary based on sales production, client retention, or by other criteria determined by each insurer. Performance based contingent commissions such as sales bonuses, production incentives, contests, trips, prizes, etc. may be offered to the agent or broker by an insurance carrier.

Our position: We all expect to be compensated for the work that we do. Like many sales organizations, commissions are how we are paid for our work. Our client's are generally presented with more than one plan option and they choose the plan that is best for their needs based on a balance of cost and benefits. Our job is to help our clients to select the best plan for their needs without regard to how we may be compensated by that carrier. Since we do not sell based on bonuses or additional carrier incentives, any contingent commissions we may receive are co-incidental. L & A's sales reps are employees, are paid salaries and benefits plus bonuses to sell new and to service our in force accounts. Our clients are very important to us. Should you have any questions about this, please let us know.

Rev. Mar, 2010