Customer Privacy Notice

Facts

What does Wysh Life and Health Insurance Company (“Wysh” or “Wyshbox”) do with your personal information?

Why?

Financial companies choose how they share your personal information. Federal and state laws give consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Personal information and identifiers: name, social security number, date of birth
Demographics: age, disability status, citizenship, gender
Professional or employment information: income, employment history
Education information: school records, degree, academic achievements
Financial information: bank accounts, assets/debts, account balances
Medical information: medical history, medical questionnaires
Internet or network activity: browser history, search history, IP address
Profile information: profiles reflecting a person's preferences such as interests, hobbies, characteristic tendencies, behaviors, or attitudes
Product information: policy/account number, policy/account values

How?

All financial companies need to share customer personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer information; the reasons Wysh chooses to share; and whether you can limit this sharing.

For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

For our marketing purposes— to offer our products and services to you

Yes

For joint marketing with other financial companies

For our affiliates' everyday business purposes—information about your transactions and experiences

Yes

For our affiliates' everyday business purposes—information about your creditworthiness

Yes

For our affiliates to market to you

Yes

For nonaffiliates to market to you

Yes

To limit our sharing

You may opt out of marketing communications as noted in the chart above by accessing your account and selecting “unsubscribe from marketing communications” or by accessing Customer Service at 1-844-WYSH-HLP (1-844-997-4457)

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?

Call 1-844-WYSH-HLP (1-844-997-4457 or go to Contact us.

Who we are

Who is providing this notice?

This privacy notice is provided by Wysh Life and Health Insurance Company.

What we do

How does Wysh protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal and state law. These measures include computer safeguards, access limitations, and secured files and buildings.

How does Wysh collect my personal information?

We collect your personal information, for example, when you:

apply for a product or make a claim.
link your accounts with our platform.
communicate and transact with us.

We also collect your personal information from others, such as affiliates, service providers, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only:

sharing for affiliates' everyday business purposes – information about your creditworthiness.
affiliates from using your information to market to you.
sharing for nonaffiliates to market to you.

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies. For example, we use service providers to perform business functions for us.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Other important information

Some states provide additional rights to its residents. For our customers residing in AZ, CA, CT, GA, IL, ME, MA, MN, MT, NV, NJ, NC, OH, OR, AND VA, upon receipt of a written, verifiable request, you generally have the right to learn the nature and substance of personal information about you recorded in our files that is reasonably locatable and retrievable, see or obtain a copy of that information, and learn the identity of those to whom we have disclosed the information. If you believe that any of our records are inaccurate, you may notify us in writing of any corrections, amendments, or deletions that you believe should be made, and we will review and respond to that request. To exercise these rights or for additional information, please write to: Compliance (Privacy), Wysh Life and Health Insurance Company, 720 E. Wisconsin Ave., Milwaukee, WI 53202. For our customers residing in VT, we will not disclose information about your creditworthiness to our affiliates other than as permitted by Vermont law, unless you authorize us to make those disclosures.

For NV residents, we are providing this notice pursuant to state law. If you do not want to receive unsolicited calls from us, you have the right to request that your number be placed on our internal do not call list. To exercise this right or if you have questions, please contact us at 1-844-WYSH-HLP (1-844-997-4457), via mail at Do Not Call Compliance, Wysh Life and Health Insurance Company, 720 East Wisconsin Ave., Milwaukee, WI 53202, or via e-mail at help@wyshbox.com. You may also contact the NV Attorney General for information on this law at 702-486-3132, via mail at 100 North Carson Street, Carson City, NV 89701, or via email at AgInfo@ag.nv.gov.

(REV 01/2022)

Copyright © 2022 Wysh Life and Health Insurance Company (formerly known as Greenhouse Life Insurance Company), 720 E. Wisconsin Avenue, Milwaukee, WI 53202 (life and health insurance). Wyshbox is a marketing name for Wysh Life and Health Insurance Company. The Wysh Life and Health Insurance Company term life product application asks certain lifestyle and health questions to help avoid requiring a medical exam. Insurance is subject to underwriting. Individual life policy contract: ICC21.SL.TERM(06.2021), Terminal Illness ADB Rider: ICC21.ADB(03.2021), Disability WOP Rider: ICC21.DIS.RIDER(03.2021), Wellness Rider: ICC21.WELL.RIDER(03.2021). Products and their features may not be available in all states. Limitations or restrictions may apply.

To make a claim, we always need a completed claims form and a death certificate. Once we get these, our customer service team will verify all documents and work with the beneficiary to honor the deceased's Wyshes. We'll always try to work through these claims as quickly as possible; we aim to resolve claims within days of confirmation of the death. However, mitigating factors, including delays in receiving third-party verification and further investigation requirements of the death, may prevent us from doing this.

Wyshes are a feature of the Wyshbox app, a product of Wysh Life and Health Insurance Company. Wyshes are a way for members to plan their life insurance needs and communicate to their beneficiaries how they'd like their life insurance spent. While the beneficiary is under no legal obligation to honor the Wyshes, if the beneficiary agrees to honor them, Wysh Life and Health Insurance Company customer service representatives will attempt to fulfill the Wyshes to the best of their abilities and in accordance with known laws and limitations.

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