Terms and Conditions

It is understood that any insurance terms, descriptions and definitions are meant for general informational purposes and are not meant as specific advice or recommendations. All insurance and non-insurance information is for general purposes and may not be up-to-date or complete. It is also understood that no coverage will be assumed bound or covered until written confirmation is received by the client from the Frankfort Insurance Agency, Inc. or its affiliate insurance companies.

Privacy Policy

In compliance with the Gramm-Leach-Bliley Act (GLB), Public Law 106-102 (1999), and the Financial Services Modernization Act this notice contains the privacy policy of Frankfort Insurance Agency, Inc.  These Acts were enacted to provide greater protection for an individual's private information. This notice is meant to provide you with information regarding how we use your personal information and what your rights are with regard to your non-public personal information.

In order to serve you best, we need to collect certain non-public information. In fact, the more we understand about you and your needs, the better we can suggest the right financial products or services for you. However, we are committed to maintaining the privacy of this information in accordance with the law. All employees and affiliates of our company with access to personal information about our clients are required to follow this policy. Our privacy policy applies to all personally identifiable non-public information about you that is obtained in connection with providing you our financial products or services. Our privacy policy will continue to cover information we collect about you during the course of our relationship, as well as after it has ended.

The Kind of Information We Collect

When you complete your insurance application form, claim form, or other forms, we typically receive from you the following kinds of information:

• name
• address date and location of birth
• marital status
• sex
• social security number
• medical information

During the course of our business relationship, we may obtain information about:

• your payment history
• your tax obligations
• If you correspond with us or transact business through our computer websites, your browser may provide information to us as you interact with us via the internet.

When May We Disclose Your Personal Information

It is our responsibility to meet your expectations for privacy while still providing you with the financial products or services. In order to financial provide our services to you, your information may be shared with other service providers.

To complete applications and forms, we may need to provide your non-public information to affiliated and nonaffiliated persons or entities involved in the underwriting, processing, servicing, and marketing of financial products and services.

Our privacy policy does not permit us to provide any nonaffiliated third party with your non-public information unless we have an agreement with the third party that they will protect the confidentiality of your non-public information.

There are times when we are required by law to provide your non-public information to authorized persons or entities. Such occasions include:

• complying with a subpoena or summons by federal, state or local authorities
• responding to judicial process
• responding to regulatory authorities
• other purposes as required by law

We will not disclose any of your non-public personal information to anyone except as permitted or required by law.

Maintaining Security of Your Private Information

We will work to ensure that your non-public personal information remains confidential and secure. To do so, we have established the following procedures to protect against unauthorized access to your personal information:

The only persons with access to your non-public personal information are those persons who need to know about the information to underwrite, process, service, or market insurance products and services.

We will keep your information physically and electronically secure.

If it comes to our attention that a piece of personal information that we possess may be inaccurate or false we will make a reasonable effort to re-verify its accuracy and correct any error as appropriate

Former Clients

Your non-public personal information is maintained by us on a confidential and secure basis. If we disclose any of your information, it will be for the reasons and under the conditions described in this notice. We do not disclose any non-public personal information about our former clients to anyone except as permitted or required by law.

Linking to Other Sites

This website may contain links to other sites on the World Wide Web. When you access a link that takes you to an unaffiliated website, protection of your privacy will be governed by the privacy policy at that site, and Frankfort Insurance Agency, Inc. cannot be and is not responsible for the privacy practices used by the other web sites. Please take the time to read the privacy policy at those sites. Links to outside sites do not constitute or imply endorsement by Frankfort Insurance Agency, Inc. of the linked site or any material displayed on those sites.

How We are Paid

Frankfort Insurance is compensated in a variety of ways for the work we perform, primarily in the form of commissions and contingency amounts paid by insurance companies. The means by which we are compensated are described below. 

Commission income — Commissions are normally calculated as a percentage of the premium paid to the insurer by the client for a specific policy. This commission is then paid to us by the insurer for selling and servicing your insurance policy. Our commission is included in the premium paid by you.

Contingency income — We may also receive income through contingency arrangements with insurance companies. They are called "contingent" because to qualify for payment we normally need to meet certain criteria, usually measured on an annual basis. Contingency arrangements vary, but payment under these agreements is normally the result of growing the business by attracting new customers, helping the insurance company gather and assess underwriting information and/or working to renew the policies of existing insureds. There is no meaningful method to determine the exact impact that any particular insurance policy has on contingency arrangements. However, “better” agencies tend to receive higher contingency payments because they do a better job of growing their business and retaining clients through better service. In other words, the amount of earned contingency income depends on the overall size and/or profitability of all of a group of accounts, as opposed to the placement or profitability of any particular insurance policy. For this reason, the individuals involved in placing or servicing insurance are rarely, if ever, compensated directly for the contingent income that we receive.

Changes to this Policy

Frankfort Insurance Agency, Inc. reserves the right to change this Privacy Policy and the Terms & Conditions from time to time and in its sole discretion. If this Privacy Policy or Terms & Conditions changes, the revised policy will be posted at the "Privacy Policy/Terms & Conditions" link on this website's homepage. In addition, this website will post the date of the latest material changes to this Privacy Policy and Terms & Conditions on this page. If the date displayed is later in time than your last visit, you must re-read this Privacy Policy and Terms & Conditions. Your continued use of this website after the date of the last revision indicates your acceptance of the changes.

This Privacy Policy and Terms & Conditions was last revised on January 30, 2008.

Further Information

If you have any questions about our Privacy Policy and/or Terms & Conditions, please write to:

Frankfort Insurance Agency, Inc.
Attn: Andrew Johnson
525 Main Street, PO Box 593
Frankfort, MI 49635-0593   USA

We thank you for the confidence you have placed in us and are committed to protecting your privacy and confidentiality.

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