Insurance

What is Underwriting?

Underwriting

[uhn-der-rahyt-ing]

noun

1.

Underwriting is the process by which insurance companies evaluate the Risk of a car, home, or other property or individual to be insured. This process takes place when you submit your application, and is done by an Underwriter from an insurance company.

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FACTS	WHAT DOES FRONTIER INSURANCE DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives 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.
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Frontier Insurance chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	DoesFrontiershare? share?	Can you 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	Yes	No
For our marketing purposes—to offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	Wedon'tshare
For our affiliates’ everyday business purposes—information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes—information about your creditworthiness	No	Wedon'tshare
For our affiliates to market to you	No	Wedon'tshare
For non-affiliates to market to you	No	Wedon'tshare

Whatwe do
Howdoes Frontier Insurance protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We restrict access to your personal information to only those employees who need to know. We require all companies with whom we share your information to keep it confidential.
Howdoes Frontier Insurance collect my personal information?	We collect your personal information, for example, when you ▪ Request a quote for insurance ▪ give us your contact information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Whycan’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.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. · Affiliatesincludecompanies with a common corporate identity of Frontier Insurance, such as Frontier Bank.
Non-affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. · FrontierInsurance does not share with non-affiliates so they can market to you.
Jointmarketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. · FrontierInsurance doesn’t jointly market.