Privacy Policy

This Privacy Policy (“Policy”) provides details about how Ceres Life Insurance Company (“Ceres Life,” “we,” “us,” or “our”) collects, uses, shares, secures, and eventually deletes, information that we obtain from and about visitors to our Website.

We respect your privacy and are committed to protecting the Personal Information that you may share with us.

Scope of this Policy

This Policy covers our online data collection activities, including information that we collect through our Website and Portal.

By continuing to visit and use our Website, you are agreeing to the terms of this Policy. If you do not agree, then please exit this Website and close your browser.

Definitions

“Contractholder(s)” means a natural person that purchases one of our annuity products and has an active annuity with us.

“Personal Data” means Personal Information. '

“Personal Information” means any information relating to an identified or identifiable individual that is collected from our Insureds and Users via our Website or Portal. Personal Information may include an Insured’s or a User’s: full name, physical address, email address, IP address, or other identifier such as from a Cookie.

Personal Information does not include any aggregate or anonymized data that may have been created from Personal Information but can no longer be used to identify, relate to or could reasonably be linked to a Contractholder or a User.

“Portal” means the Company portals available on our Website.

“Non-Public Information” means any information collected from our Insureds and Users that reveals a racial or ethnic origin, political opinion, religious belief, philosophical belief or trade union membership. It also may include a natural person’s genetic and biometric data, financial information, and data concerning their health, sex life or sexual orientation.

“User” means a natural person that visits and interacts with our Website.

“Website” means https://ceresinsurance.com/

Ceres Life Information Collection Practices Overview

Ceres Life offers a range of annuity products and services via our Website. It is our policy to only obtain the Personal Information that is absolutely necessary to provide our products and services to you and to limit the access to customer Personal Information to only those individuals who need it to serve our Contractholders’ and Users’ needs.

To provide you with the most comprehensive and personalized experience possible, and in connection with your preferences, we may combine information collected via one method (e.g., our website) with information collected via another method (e.g., information from your former insurance carrier). Additionally, as we strive to provide the best service and experience, certain information may also be used to maintain and improve our customer service to you; be used to create and develop new products, offerings, and events; and otherwise support the provision of our products and services to our Insureds. We have outlined the different ways we share and use your information in this Policy.

Information Collected When You Visit Our Website
We collect certain Personal Information from you in order to operate our Website effectively and provide you with the best experiences when you visit and use them.

‍ ‍a. Information Provided by You
If you are one of our Insureds and sign up for portal access, we will collect certain Personal Information about you such as your name and e-mail address.
We will also collect your Non-Public Information, such as the last 4 digits of your social security number and your annuity contract number. If you
conduct financial transactions via the Portal, we may need to collect your financial information, which is also considered NonPublic Information. To
review or edit your demographic or financial information, go to the relevant “My Account” section of our site or contact Customer Service.

b. Information Collected on Our Website
‍ ‍We also may use various technologies and methods to collect information directly from you or from your computer or device and about your activities
on our Website.

‍ ‍ i. Information collected automatically: We may automatically collect information from you when you visit Our Website. This information
may include your IP address, location data, your browser type and language, access times, the content of any undeleted cookies that your
browser previously accepted from us, referring or exit website address, internet service provider, date/time stamp, operating system, locale
and language preferences, and system configuration information.

We may also collect information from you automatically through any site or web application that we may develop and run on a thirdparty
social network such as Facebook. This could also include any site or application that we specifically design for use on a cell phone or other
mobile device, such as a mobile-enabled site (i.e., WAP site) or mobile application (e.g., iPad/iPhone app).

‍ ‍Cookies: When you visit our Website, we may assign your device one or more cookies to facilitate access to our site and to personalize your
online experience. Through the use of a cookie, we also may automatically collect information about your online activity on our site, such as
the web pages you visit, the links you click, and the searches you conduct on our site. When you first visit our site, we provide you with a
choice to either accept or deny certain cookies. If you choose to decline cookies please note that some of the features and services of our
Website may not function as well as intended. Even if you choose to accept cookies, you are always free to change your mind and revoke
that consent.

Also, to opt-out from third-party cookies that are used for advertising purposes, you can do so on the NAI website at
‍ ‍https://www.networkadvertising.org/managing/opt_out.asp.

Technical computer information is not typically associated with your personal contact information.

‍ ‍ ii. Other technologies: We may use standard Internet technology, such as web beacons, pixels, and other similar technologies, to track your
use of our Website. We also may include web beacons in promotional e-mail messages or newsletters to determine whether messages have
been opened and acted upon. The information we obtain in this manner enables us to customize the services we offer to Insureds and Users
of our Website, to deliver targeted advertisements, and to measure the overall effectiveness of our online advertising, content,
programming, or other activities. Web beacons (also known as clear gifs, pixel tags or web bugs) are tiny graphics with a unique identifier,
similar in function to cookies, and are used to track the online movements of web users or to access cookies. Unlike cookies, which are
stored on your device, web beacons are embedded invisibly on the web pages (or in emails) and are about the size of the period at the end
of this sentence. Web beacons may be used to deliver or communicate with cookies, to count visitors to certain pages, and to understand
usage patterns. We also may receive an anonymous identification number if you come to our Website from an online advertisement
displayed on a third-party website.

Why We Collect Your Information

We collect your Personal Information and Non-Public Information for various reasons, which are described below:

‍ ‍ a. To Service our Website: We use information collected to ensure that our Website is working as intended and for analytics purposes, to understand how
our Website is operating and learn how they can be improved. We also use this information as needed for auditing purposes as well.

b. To Provide Our Products and Services to You: We use information collected to bind an annuity contract and then administer claims as needed. We also
may use it to follow up with you about your satisfaction with the same.

‍ ‍ c. To Maintain Your Account: We may use information collected to maintain your account with us, including administering any services associated with
such account.

d. For Marketing Purposes: If you have filled out a contact form with us, signed up to receive our alerts, or have otherwise signed up to receive our direct
communications, we may use this information to send you marketing communications, such as email communications, mobile messages (including text
and/or push notifications), and postal mailings. These communications may inform you about new products and other news.

‍ ‍ e. To Evaluate and Improve Customer Service: We may use this information to ensure we are providing the highest level of customer service, and to
identify any gaps or potential improvements to the same. Customer service may be provided through various forms of communication, such
as email correspondence and call center support.

f. To Evaluate, Improve, and Customize Our Products: We may use information collected to improve our products, tailor them to your needs, and come up
with new product ideas.

g. In Order to Respond to Requests from You: If you have requested further information or in any other way requested that we contact you, we will use
your Personal Information to respond to such a request.

h. To Provide a Personalized and Convenient Website Experience for You: We may use information collected to personalize your experience and save
you time when you visit our Website. For example, we might remember your login ID or username so you can quickly login the next time you visit our
site.

i. For Other General Purposes: We may use information collected other general business purposes, such as to maintain the day-to-day operation and
security of our Website, and to conduct internal marketing and demographic studies.

‍ ‍ j. For Legal Purposes: We also collect information in order to comply with certain legal rules and regulations that we are subject to.

How Long do We Store and Maintain Your Personal Information?

We only store and maintain your Personal Information for as long as is necessary to fulfill the purpose for which it was collected. For example, if you sign up for our Portal to manage your insurance policy, we will store and maintain your Personal Information to continue to provide you access to the same until you cancel the policy or delete your Portal account. With regards to your Personal Information collected for our analytics purposes and used to help maintain and improve our Website, we only store and maintain that information until it is aggregated and used to create a new anonymous data set that no longer contains your Personal Information, and then delete the underlying Personal Information once that new data set has been created. When we no longer have a legal need, or you close or delete your account with us, or otherwise ask us to delete your account, we will do so securely in accordance with related legal obligations and our document retention policy.

We Do Not Sell Your Personal Information

Ceres Life does not sell your Personal Information that it has collected via our Website to any third parties. We do not sell your Non-Public Information to any third parties and only use your Non-Public Information to provide our products and services to you. We do not share your Personal Information for cross-contextual advertising.

Sharing your Personal Information

Generally, we share your Personal Information as necessary to provide the services or products you request, including sharing information with certain third parties, such as your insurance professional. We also may share your Personal Information when required to by law; to protect your rights and safety, and with your consent.

Specifically, we may share your Personal Information with third parties, including:

‍ ‍ a. Authorized service providers: We may share your Personal Information with our authorized service providers that perform certain services on our behalf. These
services may include relationship management software; website hosting; evaluators, contractors and auditors; email marketing providers; customer service
providers; providers that perform business and operations analysis for us; and providers that support and maintain our Website, including providing analytics
services for us.

b. Payment Processors: We may share your Personal Information and your Non-Public Information with our third-party payment processor to complete your
purchases.

c. Advertising Partners: We may also allow third parties through an advertising network to target custom content and ads to you on our Website, and other
websites. The information provided to these service providers is limited to only that which we deem appropriate for these service providers to carry out their
functions.

‍ ‍ d. For Legal Reasons: We may have to share your Personal Information in response to a subpoena or similar investigative demand, a court order, or a request for
cooperation from a law enforcement or other government agency; to establish or exercise our legal rights; to defend against legal claims; or asotherwise
required by law. In such cases, we may raise or waive any legal objection or right available to us.

‍ ‍ e. To Prevent Fraud or Illegal Conduct: We may have to share your Personal Information in situations where we believe disclosure is appropriate in connection
with efforts to investigate, prevent, or take other action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights,
property, or safety of our company, our consumers, our employees, or others; or to enforce our Terms of Service or other agreements or policies.

f. For Corporate Reasons: We may also share your Personal Information as part of a sale, merger, or change in control or ownership of Ceres Life, or in the
unlikely event of bankruptcy, or in preparation for any of these events. If such an event should happen, the new entity would have the right to continue to use
your information, but only in the manner that is set out in this Policy, unless you otherwise agree.

‍ ‍ g. With Your Consent: To other third parties that you provide consent to share your information with or that you have requested that we share your information
with.

How do we Secure and Protect Your Personal Information

We implement reasonable security measures to promote the confidentiality, integrity, and availability of personal information in our possession or control. Such measures are designed to protect your personal information from loss, unauthorized access, disclosure, alteration, or destruction. However, while the security of your personal information is of the utmost importance to us, we cannot fully guarantee the security of any information you choose to disclose online. Any information you choose to disclose to us is done at your own risk. If you create an account on our services, it is your responsibility to protect your login credentials from unauthorized access or use.

If you have any questions about the cybersecurity for our Website, you can send an email to policyservices@ceresinsurance.com.

Third Party Links on Our Services

Our services may contain links to websites and apps owned by other entities. If you decide to use these links, you will leave our services. We are not responsible for the privacy practices or the content of such third parties, and we make no representations or endorsements about them. If you decide to leave our services to access third party links, it will be at your own risk, and you should be aware that this Privacy Policy will no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any other third party when you navigate away from our services. We reserve the right to terminate a link to a third-party web site at any time. The third-party sites are not controlled by us and may have different terms of use and privacy policies, which we encourage you to review.

NEVADA PRIVACY RIGHTS

We do not sell, rent, or otherwise share your data to any third party in exchange for monetary or other valuable consideration under any circumstances unless you specifically consent to such disclosure. Pursuant to Section 603A of the Nevada Revised Statutes, residents of Nevada may, at any time, submit a request to an operator of a website in Nevada directing the operator not to make any sale of any personal information the operator has collected or will collect about the consumer. If you are a Nevada resident and want to opt-out of the sale of any personal information, please submit an email request to policyservices@ceresinsurance.com _____________________. In your request, please specify that you want to “Opt-Out of Sale of Personal Information in Nevada.” Please allow 60 days for a response.

Your Choices

You can access, update, correct, or delete personal information by emailing us at policyservices@ceresinsurance.com or calling us at 1-844-CERES01. We will respond to you within a reasonable time and, in any case, within the time limits established by applicable law. We may ask you for additional information to verify your identity. In most cases, we will provide access and correct or delete any inaccurate information you discover. In some cases, however, we may limit or deny your request if the law permits or requires us to do so or if we are unable to verify your identity. If you would like to unsubscribe from any of our promotional emails or materials, please follow the instructions contained in the promotional emails or materials, or send an email to policyservices@ceresinsurance.com and include the word “unsubscribe” in the subject line.

Contact Us

If you have any questions or concerns regarding this Policy or our information practices, or if you require access to this Policy in an alternative format due to a disability, pleasecontact us at policyservices@ceresinsurance.com or 1-844-CERES01.

We may update this Privacy Policy from time to time. When we do so, we will post the updated version of our Privacy Policy here. Any changes will be effective only after the effective date of the change and will not affect any dispute arising prior to the effective date of the change.

Changes to this Policy

Any changes to the Policy will be posted directly on our Website and reflected with a new Effective Date at the top of this Policy. We encourage you to review the Policy each time you visit our Website to see if it has been updated since your last visit.

Last Updated: 9/18/2026