Insurance Information Practices Privacy Notice

Last updated: April 30, 2026

1. Who We Are and How this Notice Applies

Mercer Advisors Insurance Services, LLC (“MAIS”, “we”, “us”, or “our”) is a licensed insurance agency that provides insurance services to clients of our affiliated registered investment adviser, Mercer Global Advisors Inc. (“MGA”). Mercer Advisors Inc. (“MA”) is the parent company of MAIS and MGA.

For purposes of this Insurance Information Practices Privacy Notice (“Notice”), “you” refers to individuals whose personal information is collected, used, or disclosed by us in connection with an insurance transaction in the states where we are licensed.

Relationship to Our Affiliates’ Gramm-Leach-Bliley Act (“GLBA”) Privacy Notices

If you also receive a GLBA Privacy Notice from MGA or another affiliate, that notice addresses information governed by federal financial privacy law. Any rights provided under this Notice are not limited, restricted, or superseded by those GLBA Privacy Notices.

2. Information We Collect 

We collect personal information as reasonably necessary to evaluate, place, underwrite, issue, administer, and service insurance products, and to perform other functions permitted under applicable insurance privacy laws for covered insurance transactions.

Information We Receive from Affiliated or Related Sources

We may access or receive personal information from affiliated or related sources, including:

• Identifiers and contact information (such as name, address, email address, and telephone number);
• Client profile and relationship details;
• Financial, suitability, or planning‑related information relevant to insurance needs; and
• Other information necessary to evaluate, recommend, place, and service insurance policies.

Information We Collect Directly from You

We may collect additional information from you that is necessary to:

• Evaluate insurance needs and suitability;
• Apply for, underwrite, issue, or service insurance products;
• Configure ownership, beneficiary, or payor selections; and
• Support ongoing insurance communications and servicing.

Information We Obtain from Other Sources

We may also receive personal information from:

• Insurance carriers and their affiliates;
• Insurance‑support organizations;
• Brokers’ General Agents and third‑party administrators;
• Medical institutions or professionals (subject to applicable authorizations); and
• Other institutional sources involved in evaluating, underwriting, or servicing policies.

Insurance‑support organizations may retain and disclose information as permitted under applicable law.

Investigative Reports and Prohibited Practices

For certain insurance products or transactions, we or the insurance carrier may obtain consumer reports or other investigative information in accordance with applicable law.

We do not use pretext interviews or other deceptive practices prohibited under applicable insurance laws for covered insurance transactions, and we require third parties acting on our behalf to comply with these requirements where applicable.

If an investigative consumer report is obtained, we will provide any notices and rights required by law.

Marketing and Research Uses

We do not collect personal information in connection with an insurance transaction for the primary purpose of marketing or research unless permitted under applicable privacy law and identified at the time the information is obtained. We will ask for your consent for such marketing and research uses as required by law.

Medical or Health Information

For certain products, we may collect medical or health information through applications, questionnaires, or authorized reports. We collect, use, and disclose such information only as permitted under applicable law and subject to any authorization and limitation requirements.

3. How We Use Personal Information

We use personal information as reasonably necessary to provide insurance services, including to:

• Evaluate insurance needs and suitability;
• Recommend appropriate insurance products;
• Process applications, underwriting, and policy issuance;
• Serve as agent of record;
• Provide ongoing policy servicing;
• Communicate about insurance matters;
• Satisfy legal, regulatory, licensing, and recordkeeping obligations applicable to insurance activities; and
• Detect and prevent fraud or unauthorized activity related to insurance transactions.

Use of Medical or Health Information

Medical or health information is used only for legally authorized insurance‑related purposes, such as underwriting, eligibility determination, policy issuance, or servicing.

4. How We Disclose Personal Information

We disclose personal information in connection with insurance transactions, as reasonably necessary to provide insurance products or services, administer our business, comply with legal obligations, or as otherwise permitted under law. We do not sell personal information.

We may disclose personal information, including medical or health information, to:

• Insurance carriers and their affiliates for underwriting, policy issuance, administration, claims handling, and servicing;
• Brokers’ General Agents and distributors that assist with product placement or servicing;
• Insurance‑support organizations that collect, use, or maintain information in connection with underwriting, claims, or policy administration;
• Service providers that perform functions on our behalf in connection with insurance transactions; and
• Other parties involved in an insurance transaction, such as reinsurers or intermediaries, where disclosure is reasonably necessary and permitted under law.

Depending on where you live, we may be required by law to obtain consent prior to disclosing your nonpublic personal financial information or nonpublic personal health information to nonaffiliated third parties or affiliates for certain purposes. If we obtain your consent, you have the right to revoke your consent as described in Section 5.

Insurance-Support Organizations

If we share personal information about you from an insurance‑support organization, you may request the name and address of that organization. Depending on where you live, you may also request access to, or correct, the information the organization maintains. The organization may retain and disclose information to others as permitted by law.

Medical or Health Information Disclosures

Medical or health information is disclosed only as reasonably necessary to evaluate, underwrite, issue, or service an insurance policy, handle claims, or prevent fraud or as otherwise permitted by applicable law.

Vermont Residents

If we receive a subpoena for your financial information and it is not issued by or on behalf of a regulatory or law‑enforcement agency, Vermont law requires that we provide you notice at least 14 days before releasing your information. We will mail this notice to your last known address by first‑class mail, as required under Vermont law.

Disclosure to Affiliated Companies

We may disclose personal information to affiliated companies when permitted under California or Vermont law and as reasonably necessary in connection with covered insurance transactions.

Legal and Regulatory Disclosures

We may disclose information when required or permitted under California or Vermont law, including to insurance regulators, law enforcement, courts, or other governmental authorities, or in response to legal process, examinations, or audits.

5. Authorizations for Use and Disclosure of Personal Information

Depending on where you live, we may be required by the insurance privacy law in your state to obtain your written authorization before we use or disclose certain personal, financial, or health information. When authorization is required, we will:

• Describe the information to be used or disclosed, the persons or categories of persons authorized to receive it, and the purpose of the disclosure;
• Indicate how long the authorization will remain valid, consistent with California or Vermont limitations; and
• Explain how you may revoke your authorization, and the effect of revocation on ongoing policy servicing or claims.

We will not condition the provision of an insurance product or service on an authorization except as allowed under applicable law.

6. Retention and Security

We will not retain personal information for longer than is necessary in relation to the purpose for which it is collected and for our internal business purposes, subject to applicable laws. We implement organizational and technical security measures designed to protect your personal information from unauthorized access and use. These safeguards may include administrative measures (such as policies, procedures, and training), technical measures (such as access controls and system protections), and physical measures (such as secured facilities and controlled access).

7. Privacy Rights

Depending on where you live, you may have the following rights with respect to personal information collected, used, or disclosed in connection with insurance transactions.

Right to Access Recorded Personal Information

You may request access to recorded personal information we maintain in connection with insurance transactions, subject to limitations, including circumstances where disclosure must be provided through a medical professional or where disclosure would reveal confidential commercial information.

Right to Know to Whom Information Has Been Disclosed

In certain circumstances, you may request information about organizations or categories of organizations to whom your recorded personal information has been disclosed, in the manner and for the period required by law.

Right to Request Correction

You may request correction of recorded personal information that you believe is inaccurate. We will make the requested change or explain the basis for any refusal and your right to submit a statement of dispute, which may be included with future disclosures of the disputed information.

Rights Relating to Adverse Underwriting Decisions

If an adverse underwriting decision is made and disclosure is required under applicable law, either we or the responsible insurance carrier will provide the reasons for the decision or inform you of your right to obtain those reasons.

How to Exercise Your Rights

To exercise your rights, please submit a written request to us at the contact information provided below and identify the insurance policy, application, or transaction to which your request relates. We will respond within the timeframes and in the manner required by law. If your state does not require us to provide or honor and or all of the rights above, we may deny your request.

8. Questions and Contact Information

If you have questions about this Notice or about our insurance privacy practices, you may contact us using the email address, privacy@merceradvisors.com.