Plan Comparison

Proactively monitor the Internet and social websites for business accounts and business information that you specify. In addition to your registered business information accounts and personally identifiable information (PII) that you specify. In addition to your registered PII, you can monitor black market websites, chat rooms and bulletin boards for up to 100 unique pieces of business and account information. Monitor the dark web for your business credit card numbers and bank account information. Get email and text alerts, access your Identity Care Account to get the details on the severity and recommended action when any of your monitored information is located.

The child monitoring solution monitors millions of public and private database records looking for information related to your child to let you know if any of their personally identifying information is being used by identity thieves.

* Limit on number of children eligible for monitoring product vary based on the program.

Credential Vault provides you with a means to record important data about your credit cards and other critical personal information that could be lost with your wallet or purse. You can access your personal information while away from home from any location with an Internet connection. Securely store up to 100 separate pieces of personal information such as: credit cards, checking accounts, savings accounts, personal loan information, identification information, retirement accounts, certifications, licenses, and more!

Monitoring provides protection against identity theft. If and when new activity occurs which triggers an alert, you will be notified by email and SMS text, if you opted in for text messaging. If you believe any activity is fraudulent, our Recovery Advocates are available to assist you. Actively monitoring your personal information will ensure identity theft is recognized and with the help of our Recovery Advocates, handled properly and expediently.

Credit monitoring provides protection against identity theft by monitoring your credit report for new activity. If and when any new activity occurs, you will receive an alert which has been triggered by a change in credit file. The alert will provide details on the type of activity that has triggered a change: new credit account, application for loan, application for car, or change of address — to name a few. If you believe any recent activity is fraudulent, our Recovery Advocates are available to assist. Actively monitoring your credit report will ensure any identity theft is recognized and with the help of our Recovery Advocates, handled properly and expediently.

Instant Inquiry immediately alerts you when a creditor requests your report at TransUnion. You will automatically receive an email as soon as TransUnion receives the request. This means that if an identity thief applies for credit in your name and the creditor requests a TransUnion credit report, you will find out as soon as the credit bureau does, allowing you to quickly identify potential fraud.

Instantly receive your credit report. A credit report is a detailed record of your credit activities. This report lists any credit card accounts or loans you may have, the balances, and how regularly you make your payments. It also shows if any action has been taken against you because of unpaid bills.

A credit score is a number used by lenders to help make decisions. The credit score is based on elements of your member's credit report, including the number and severity of late payments, the type, number and age of accounts, the total debt based on these accounts, how many inquiries your credit file has received for new accounts and many other factors. Members will receive their current credit score along with valuable information on what items may be impacting the score. Even without an identity theft event, it is important to understand how credit score impact and affect personal credit.

Dark Web monitoring is an intelligent and proactive identity theft detection solution that searches for compromised information across the deep, dark and surface web, as well as underground forums and file sharing sources.

Expense Reimbursement Insurance is available to cover any losses which are incurred during the recovery of your identity. These expenses cover such costs as: long distance telephone calls, postage and handling fees, fees for re-filing loan, grant or other credit applications rejected as a result of a stolen identity event, fees for notarizing affidavits or other similar documents, and lost wages due to time off from work.

* Limits for lost wages vary based on the program.

Master Policy Inclusions & Exclusions Review

Inclusions:

• Unknown ID Theft Events that Occurred Prior to the Effective Date of the Plan
• Family Fraud
• Acts of Terrorism
• Domestic Partners
• Self-Employed Persons
• Extended 3 Generation Family Plan, Including Grandparents and Children.
• Unlimited Discovery Period

Exclusions:

• Does not cover residents of the state of New York.
• Only pays for losses incurred in the United States.
• Dishonest Acts: Any dishonest, criminal, malicious or fraudulent acts if the insured that suffered a loss personally participated in, directed, or had prior knowledge of such acts.
• Bodily Injury: Any physical injury, sickness, disease, disability, shock, mental anguish, and mental injury, including, required care, loss of services or death at any time resulting there from.
• War: Strikes or similar labor action, war (whether declared or not), or any act or condition incident to war. War includes civil war, insurrection, act of foreign enemy, civil commotion, factional civil commotion, military or usurped power, rebellion, revolution, invasion, hostilities or warlike operations or mutiny.
• Pollution: Claims alleging or arising out of the presence of or the actual, alleged or threatened discharge, dispersal, release or escape of pollutants (including nuclear materials), or any direction or request to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize pollutants, or in any way respond to or assess the effects of pollutants.

Family membership includes an Identity Care Account for you 2 persons, with the Identity Theft products and services specified in the plan.

* Please understand that your family receives 3G Fully-Managed Recovery with either an individual or a family membership.

Fully managed recovery is our gold standard product. Be assured that you have peace of mind should you ever become a victim of identity theft. You will be assigned a dedicated, certified Recovery Advocate who will work with you and perform all the tasks necessary to restore your identity, through the use of a limited power of attorney. This work includes completing and filing forms, performing research, contacting companies, agencies and financial institutions to ensure that any identified fraudulent activity is addressed and resolved.

Learn more about fully-managed recovery by clicking here.

Proactively monitor the Internet and social websites for your information as well as for accounts and personally identifiable information (PII) that you specify. In addition to your registered PII, you can monitor black market websites, chat rooms and bulletin boards for up to 100 unique pieces of personal and account information. Monitor the dark web for your credit card numbers and bank account information. Get email and text alerts, access your Identity Care Account to get the details on the severity and recommended action when any of your monitored information is located.

Monitor criminal court records for any cases logged which are associated to your name or Social Security number. Criminals often use identity theft as a way to perpetrate even more crime! Don't let criminals sully your personal name and reputation.

Non-credit loans, commonly referred to as payday loans or payday loan alternatives are high-cost, high-risk loans which in most cases do not require a credit check. Due to the nature of these loans, they are commonly used by identity thieves to make quick money. Monitor these non-credit loan databases to ensure your information is not being used by thieves for quick and easy cash.

Monitor public record databases to identify and report all instances of names and addresses associated with you and your Social Security number. Proactively monitoring public records will alert you to any events associated to your name and or Social Security number, which thieves use to register and apply for credit.

Do you know how many registered sex offenders are living in neighborhood, on your block, in your apartment complex? If you have kids, grandkids or children visiting your home, then you should. Receive a report of all registered sex offenders living in your neighborhood, with detailed criminal charges information, when available.

Opt in to receive a monthly identity theft newsletter which delivers innovative solutions for managing your risk of becoming a victim of identity theft. Stay informed, receive education and increase your awareness on topics related to identity theft. Stay abreast of the latest news and protect yourself, your family and your friends from becoming a victim of identity theft.

Internet monitoring is a proactive tool to identify when thieves are trading your personal information on high risk areas of the Internet, including black market and social networking sites. You can register up to 100 unique pieces of personal and account information for monitoring. You will receive email and text alerts when any suspicious activity is detected. Access your online Identity Care Account to view details of each alert together with recommended actions you can take.

Protect yourself from the sudden loss, for any reason, of your purse or wallet. In the unfortunate event that you are without your purse or wallet, call your dedicated Advocate. They will be available to assist you in addressing and replacing the lost documentation such as credit cards, licenses, passports, personal bank accounts and government issued documents, to name a few!

Your education in identity theft begins with a dedicated website updated frequently with the latest information and news. You have online access to all of the latest tricks, scams and techniques being used by criminals to perpetrate identity theft fraud. You'll find tips on protecting your personal information to help protect against future identity theft. Peruse at your leisure the latest identity theft news, prevention tips, legal and regulatory updates as well as case studies on identity theft.

Score Tracker empowers you by providing a monthly update of the most important element affecting your financial future — your credit score.

Credit monitoring provides protection against identity theft by monitoring your Experian, Equifax and TransUnion credit reports for new activity. If and when any new activity occurs, you will receive an alert which has been triggered by a change in credit file. The alert will provide details on the type of activity that has triggered a change: new credit account, application for loan, application for car, or change of address — to name a few. If you believe any recent activity is fraudulent, our Recovery Advocates are available to assist. Some creditors report events to a single Credit Bureau. In order to get an inclusive monitored status of your credit, it is important to monitor all 3 Credit Bureaus. Actively monitoring your credit reports will ensure any identity theft is recognized and with the help of our Recovery Advocates, handled properly and expediently.

3 Bureau Credit Monitoring provides protection against identity theft by monitoring your Experian, Equifax and TransUnion credit reports for new activity. If and when any new activity occurs, you will receive an alert which has been triggered by a change in credit file. The alert will provide details on the type of activity that has triggered a change: new credit account, application for loan, application for vehicle loan, or change of address — to name a few. If you believe any recent activity is fraudulent, our Recovery Advocates are available to assist. Some creditors report events to a single Credit Bureau. In order to get an inclusive monitored status of your credit, it is important to monitor all 3 Credit Bureaus. Actively monitoring your credit reports will ensure any identity theft is recognized and with the help of our Recovery Advocates, handled properly and expediently.

Instant Inquiry immediately alerts you when a creditor requests your report at TransUnion. You will automatically receive an email as soon as TransUnion receives the request. This means that if an identity thief applies for credit in your name and the creditor requests a TransUnion credit report, you will find out as soon as the credit bureau does, allowing you to quickly identify potential fraud.

Instantly receive your credit reports from each of the 3 Bureaus: Experian, Equifax and TransUnion. Because some creditors report to only one bureau, there may be discrepancies across each of the three reports. It is important that you verify all information which is being reported by each Credit Bureau is accurate. A credit report is a detailed record of your credit activities. This report lists any credit card accounts or loans you may have, the balances, and how regularly you make your payments. It also shows if any action has been taken against you because of unpaid bills.

A credit score is a number used by lenders to help them make decisions. The credit score is based on elements of your member's credit report, including the number and severity of late payments, the type, number and age of accounts, the total debt based on these accounts, how many inquiries your credit file has received for new accounts and many other factors. Members will receive their current credit score from each the 3 Bureaus: Experian, Equifax and TransUnion along with valuable information on what items may be impacting your score. Some creditors report events to a single Credit Bureau. In order to get an inclusive picture of your overall credit, it is important to understand how each of the 3 Bureaus is scoring your creditworthiness.

Fully managed recovery is our gold standard product. Be assured that you have peace of mind should you ever become a victim of identity theft. You will be assigned a dedicated, certified Recovery Advocate who will work with you and perform all the tasks necessary to restore your identity, through the use of a limited power of attorney. This work includes completing and filing forms, performing research, contacting companies, agencies and financial institutions to ensure that any identified fraudulent activity is addressed and resolved.

Learn more about fully-managed recovery by clicking here.

Alerts you in the event of any changes to your address associated with your Social Security number on your TransUnion credit file. Commonly ID Thieves attempt to steal your identity by first changing your address to redirect mail to another location to avoid alerting you to their intent. This means that if an ID Thief changes your address on your TransUnion credit file, you'll be alerted, allowing you to quickly identify potential fraud.

Monitor state or local records for arrests and incarcerations matching your personal information. Criminal identity theft occurs when a fraudster, impersonating you, is caught by law enforcement. Validate your personal information has not been used to commit a crime such as possession of a controlled substance, theft, assault and battery, probation violation or revocation, and burglary.

Alerts you in the event of changes to your name and/or aliases associated with your Social Security number on your TransUnion credit file. This means that if an ID Thief changes your name or creates a new alias on your TransUnion credit file, you'll be alerted, allowing you to quickly identify potential fraud.

A white glove, high touch solution that will provide you with a Recovery Advocate to submit opt-out requests on your behalf, including pre-approved credit and insurance offers that are not initiated by you. In addition, your Recovery Advocate will add your phone number(s) to the Do Not Call Registry and submit your information to the Direct Marketing Association.

Instantly receive your credit report on a daily basis. A credit report is a detailed record of your credit activities. This report lists any credit card accounts or loans you may have, the balances, and how regularly you make your payments. It also shows if any action has been taken against you because of unpaid bills.

Get your score on a daily basis. A credit score is a number used by lenders to help make decisions. The credit score is based on elements of your member's credit report, including the number and severity of late payments, the type, number and age of accounts, the total debt based on these accounts, how many inquiries your credit file has received for new accounts and many other factors. Members will receive their current credit score along with valuable information on what items may be impacting the score. Even without an identity theft event, it is important to understand how credit score impact and affect personal credit.

Your cell phone is your lifeline to friends, family, and can be critically important in case of an emergency. If your phone is damaged you need it repaired quickly! However, with the increasing complexity of cell phones the burden of cost to repair them has grown significantly.

With SmartIDentity cellular care coverage you can immediately take your phone to be repaired knowing that you will receive up to a $600 reimbursement. Damage through an accident, by water, through a drop, via mechanical or electrical malfunction or if the battery stops charging are all included as part of the coverage!

Your cell phone is your lifeline to friends, family, and can be critically important in case of an emergency. If your phone is damaged you need it repaired quickly! However, with the increasing complexity of cell phones the burden of cost to repair them has grown significantly.

Private WiFi VPN encryption is patented technology that works anywhere in the world on any iOS, Android, Mac or PC device. Given the inherent security risk of public Wi-Fi, and the propensity to use unsecured access to the Internet, VPN encryption is essential protection for today's mobile lifestyle. Simple, modern and easy to use, VPN encryption keeps your personal information safe and secure wherever you are. In addition, with Intelligent activation private WiFi's VPN automatically connects whenever a user connects to a Wi-Fi connection that is not secure keeping your connection safe and secure.

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