About Us

Welcome to RickWinston.com.  With over ten years experience in the Health and Life industries, we are committed to our clients being served with the finest insurance products and companies available.  We are also committed to the client’s application process be as effortless as possible. 

Bottom line, as your advocate, in dealing with insurance companies, we are committed to you.  Thank you for the opportunity to do business with you.

Respectfully,

Rick Winston

Richard H. Winston Insurance

PRIVACY STATEMENT

Richard H. Winston Insurance values you as a client and respects your right to privacy.  We recognize that you purchase our products and service because you trust that we will stand behind our promises.  In turn, we pledge our commitment to treating your information responsibly. Richard H. Winston Insurance has established the following policies to assure you that we are committed to protecting your privacy.

How do we protect the confidentiality and security of your information?

We maintain a safeguard to ensure your personal information is treated responsibly and in accordance with our privacy policy.  We also restrict access to you personal information within our organization to those who need to know that information to provide products or services to you, or conduct Richard H. Winston Insurance business. 

What personal information do we collect about you?

We collect personal information about you from the following sources:

♦                Information we receive from you on applications and other forms;

♦                Information about your transactions with us, or others; and

♦                Depending upon the product or services you are requesting, information we receive from consumer reporting agencies, medical providers, or others.

What categories of information do we disclose and to whom?

We do not sell your information to anyone.  We may disclose the following information to entities that perform administrative services on our behalf or permitted by law for legal, regulatory or other purposes:

♦                Information about your transactions with others, or us, such as you account balance, policy coverage, payment history, the premium you pay, the share you purchase, preferences, claims information and the method of your purchase.

♦              If required for the products you select, information we receive from consumer reporting agencies and other sources, such as your creditworthiness, motor vehicle and driver data, medical and employment information, loss history reports, and additional driver data.

♦                Information we receive from you on applications or other forms, such as your name, address, beneficiaries, Social Security number, family member information, assets, income, and property locations and values.

Because we do not sell your personal information or share it, except for the reasons described in the examples above, there is no need for an opt-out process in the Richard H. Winston Insurance privacy system.

Is your medical information confidential?

While we sometimes must collect medical information to provide you a product or to pay a claim, we do not use or share it, internally or externally, for any purpose except the following:

♦                underwriting insurance;

♦                administering your policy, account, or claim;

♦              as required or permitted by law; or

♦              as otherwise authorized by you.

Questions?

We value our clients and want you to understand how we use the information we collect.  If you have any questions about our privacy policy, please contact us at 972-690-7776.  Additional copies are available on our website, www.rickwinston.com.           

♦              You may request certain restrictions on the use and disclosure of your personal information in our files.

♦              In accordance with our procedures, we will provide you access to your personal information that we control and can reasonably retrieve, upon verification of your request.

♦              You may request that we correct your personal information in our files.  Please note that Richard H. Winston Insurance does not control information given to us by third parties.  So, you will need to contact the third party to correct any information it gave us.

This privacy statement describes our privacy practices for both current and former clients as of July 1, 2003.  We will provide one copy of this notice to joint policy or contract holders.  Please share this information with everyone covered by your policy or contract.  Upon your request, we will send additional copies of this statement.

Thank you for choosing Richard H. Winston Insurance.

We look forward to building a lifetime relationship with you.