We will tell you if we cannot give you the coverage you requested. We will always tell you in general terms the reason for our decision. Unless prohibited by applicable laws, we will usually provide you with specific details regarding our decision. Otherwise, we will disclose the information through the licensed physician you choose.

Information Collection The enrollment and statement of health on your application form is our main source of information. To evaluate your request properly, we may obtain additional data from third parties about any person proposed for coverage. For example, we may:

• Ask you to have a medical evaluation, which may include tests such as an electrocardiogram
   
• Ask physicians, hospitals, or other medical care providers to confirm or add to the medical data you have given us
   
• Obtain a report from a consumer reporting agency. Information about this report and the rights you have under Federal law and your state's law, if any, is provided below. In addition, we may request information from you or from third parties from which we will be able to draw conclusions about your personal characteristics such as your habits or your health.

Information Maintenance and Use We treat the information we have about you in a confidential way. We will use it for business purposes relating to the coverage provided under your organization's benefit plan or plans. For example, it may be used when we evaluate any claims you submit for benefits under this plan.

Information Disclosure In most cases, the information we have about you will be sent to third parties only if you authorize us to do so. For example, under the authorization which you have completed on the application form, the information may be sent to our reinsurers and others who perform business services for us.

In some cases where disclosure is required by law and/or is necessary for the conduct of our business, we may send the information to third parties without your consent. For example, it may be given to other insurers or insurance support organizations when we believe it may help us detect or prevent fraud or misrepresentation. It may be disclosed to a medical professional for the purpose of verifying insurance coverage or benefits, informing you of medical problems which you may not know about, or for audits used to verify information provided to us by the medical professional. The information may also be disclosed to an insurance regulatory authority or to a law enforcement or other governmental authority when we believe it is necessary to protect our interests, or to prevent or prosecute fraud against us, or if we believe that illegal activities have been conducted by you. This information may also be used for the purpose of conducting actuarial or research studies or to our affiliate in connection with an audit of our company or the marketing of an insurance product or service. This information can also be provided to your organization for the purposes of reporting claims experience or if your organization requests an audit of our company.

Access and Correction of Information Upon your written request, we will make the information we have about you available to you. Medical information will be provided to you or disclosed through the licensed physician you choose or as otherwise required by law.

We will also permit you to see and copy such information pertaining to you or to obtain a copy of such information by mail, whichever you prefer. We will also disclose to you the identity of any third party to which we have disclosed this information within the past two years. If our files do not reflect the identity of third parties to whom we have disclosed this information, we will inform you of the identity of third parties to whom we normally disclose such information.

If you feel that the information in our files is wrong or incomplete, you may let us know and if we agree with you, we will correct, amend, or delete the portion of the information which you dispute. If we do not agree with you, we will notify you of our refusal to make this correction, amendment or deletion, the reasons for our refusal and your right to file a statement of dispute with us.

If we correct, amend, or delete the information as you request, we will notify you and we will furnish the correction, amendment, or deletion to any person who you specifically designate who may have received the information within the preceding two years, or any organization that furnished the corrected, amended, or deleted information to us, or to any third party whose primary source of information is insurance companies if the third party has received information from us within the preceding seven years.

If you choose to file a statement of dispute with us, you may provide us with a statement setting forth the information which you think is correct, relevant or fair, or a statement of the reasons why you disagree with our refusal to correct, amend, or delete the disputed information. We will file your statement with the disputed information and provide a means by which anyone viewing the disputed information will be made aware of your statement and have access to it. In addition, in any subsequent disclosure by us of the disputed information, we will clearly identify the matter or matters in dispute and provide your statement along with the information being disclosed. Finally, we will furnish your statement to any third party to whom we would provide a correction, amendment, or deletion of information as referenced above.

Consumer Reports MetLife may ask an independent source to confirm and add to the information which you have provided in your application. This report is known as a consumer report. Upon your request, we will inform you whether or not we requested a consumer report in connection with your application and if such a report was requested, we will provide you with the name and address of the consumer reporting agency that furnished the report to us. The information obtained from a consumer report may be retained by the consumer reporting agency and disclosed to other parties.