Updated: October 2018
Clark Benefit Services, LLC is licensed to solicit and sell life and health insurance services in the following states: Virginia, Maryland, District of Columbia, Florida and
1. We do not disclose your personal information to third parties, unless one of the following limited exceptions applies.
Insurance Companies, Licensed Agents and Business Partners, HSA Trustees or Administrators, and Government-run Exchanges and Entities
If you submit an application for an insurance product offered by us, then we will disclose your personal information to your chosen insurance company to process your application. If you submit a request for information or an application for an insurance product offered through an insurance agent, agency or other business partner with whom we associate or contract, then we may disclose your personal information to that agent, agency or business partner to process your request for information or application or to otherwise provide you with information about insurance products (including contacting you by telephone, email, or otherwise to discuss insurance products in which you may be interested). If you complete an application with us that is processed through a government-run exchange or other government-run entity, we will disclose your personal information to that government-run exchange or entity. Please be assured that these partners are only allowed to use your personal information to process your requested quote, application or enrollment form and are legally obligated to maintain strict confidentiality.
We may disclose your personal information to other companies that help us to process or service an application submitted through us or to correspond with you. For example, we may provide your personal information to a General Agency that’s also licensed and contracted with the insurance companies. Please be assured that the agencies we use to process or service your insurance application or correspond with you are not allowed to use your personal information for their own purposes and are contractually obligated to maintain strict confidentiality.
We may also disclose your personal information as required by law, such as to comply with a subpoena, or similar legal process. We may disclose or report your personal information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities, to resolve consumer disputes, to protect our rights, to protect your safety or the safety of others, to investigate fraud, or to otherwise respond to a government request.
If you provide us an indication of your consent to disclose, share or use your personal information in connection with a third party, we may disclose, share or use your personal information in that manner.
Outside of these exceptions, we will not share your personal information with third parties.
2. We collect personal information in the normal course of business in order to process your insurance application and to serve you better.
Applying for Health Insurance and Other Products
If you apply for a health insurance or other product through Clark Benefit Services, LLC, we may ask you to provide us with personal information and/or health information relating to you and any family member who will be included on your application. This information will be used by your chosen insurance company, or government-run exchange to process your application. Additionally, we may ask you to provide us with your credit card, bank information and social security number, which will be used by your chosen insurance company to process your application or collect any fees associated with your application or insurance premiums upon approval of your application. If you apply through us for government health insurance subsidies or for health insurance sold through a government-run exchange, we will ask you for personal information, including financial, tax filing and household information, that we will pass on to government-run sites and entities responsible for processing such subsidies and applications.
Providing you with a quote or processing your application
We may use your personal information to get in touch with you when necessary to process your application or to provide you with a quote. For example, emails will be sent to you throughout the application process to inform you of the status of your application and to seek additional information that is requested as part of the application.
Collection and Use of 3rd party Personal Information:
You may also provide personal information about other people in your family, such as their name, date of birth and gender. This information is only used for the sole purpose of completing your request or for whatever reason it may have been provided.
3. We protect the confidentiality and security of your personal information.
We maintain physical, electronic and procedural safeguards to protect your personal information.
4. We continue to evaluate our efforts to protect your personal information and make every effort to keep your personal information accurate and up to date.
- Please note that once your application has been submitted to your chosen health insurance company or any other relevant party (such as the federal government in the case of an application involving advanced premium tax credits) you may have to contact the insurance company or such other party directly to update your application.
5. Browsers and Internet Security
When you submit an application request through our website, we or an affiliated insurance company or health plan provider encrypt it using Secure Socket Layer ("SSL") technology. SSL protects information as it crosses the Internet. To support this technology, you need an SSL-capable browser. recommends using a strong encryption, 128-bit browser such as Microsoft's Internet Explorer 5.0 or higher or Netscape Navigator 4.06 or higher. These browsers will activate SSL automatically whenever you begin shopping for plan on our website and when you return to our website to complete an application.
6. Passwords and Security Protocols
The password you enter when you begin an application on our website is your private entry key into your application. You should never share it with anyone. Password protocols will vary with each of our affiliated insurance companies and their security protocols will prevail over ours.
7. Links to Other Websites
Linked sites are not under our control and therefore we are not responsible for the contents of any linked site. We recommend that you carefully read the privacy policies of these websites as their information privacy practices may differ from ours.
Clark Benefit Services
12347 Indigo Springs Court
Bristow, VA 20136