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The term "Combined" as used herein means Combined Insurance Company of America and Combined Life Insurance Company of New York collectively and is applicable to business conducted within the United States.

Combined does not place marketing telephone calls (which for purposes of this Policy include text messages) to numbers appearing on a state or federal Do Not Call list (unless permitted by applicable law) or to the number of a person who has requested not to receive telemarketing calls made by or on behalf of Combined.

If you requested not to receive telemarketing calls from us, you will be placed on our internally-maintained Do Not Call list and will not be called during any future telemarketing campaigns within the next five years (or any longer period required by applicable law). Any request to be placed on our internally-maintained Do Not Call list will be processed within a reasonable amount of time, not to exceed 30 days (or any shorter period required by applicable law).

 Residents of all U.S. jurisdictions except New York may request to be placed on the internal Do Not Call list by calling 1-800-225-4500. New York residents may make this request by calling 1-800-951-6206.

Combined employees receive training on how to use our internally-maintained Do Not Call list; how to document, process and honor requests to be placed on its internally-maintained Do Not Call list; and proper identification during telemarketing calls. Combined requires any third-party that initiates telemarketing calls on Combined's behalf to comply with this policy.

 We reserve the right to revise this Do Not Call Policy.