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ID Theft Protection: What Do I Have? What Do I Want?
Times have changed, and whether we like it or not identity theft is a fact of life. No plan can prevent it from happening, but closely monitoring information and acting timely with a strategy can help mitigate losses to you and help avoid major headaches. Will you have a plan and team to help make things right when it happens to you?
COVERAGE FROM A HOMEOWNERS POLICY
Many homeowners policies will boast identity theft protection as an included service, however, the coverage provided is often very limited. Most policies don’t charge much for this, but remember that you get what you pay for. Just because you have seen the words on a document does not mean you have the protection you should have. Usually the benefit provided with a homeowners is only providing a small limit for reimbursement on expenses like postage, notary charges, and lost wages while you straighten things out. There is rarely a limit for the ACTUAL FUNDS taken from a bank account or any monitoring of your personal information. Not all ID Theft Protection Plans are equal, and having a stand alone plan can provide additional peace of mind.
COVERAGES PROVIDED WITH SECURUS ID THEFT PROTECTION
COMPREHENSIVE PLUS
(Monthly)
Member Only – $12.00
Member + One – $24.00
Full-Service Identity Restoration / Recovery
Lost Wallet
———————————————
CyberAgent® / Dark Web Monitoring
Social Media Monitoring
Social Security Number Trace
with Monitoring
Change of Address Monitoring
Up to 1 million of Expense Reimbursement Insurance with $0 Deductible including stolen funds*
Annual Credit Reports with Score – Experian**
Credit Monitoring – Experian
ELITE PLUS
(Monthly)
Member Only – $18.00
Member + One – $36.00
Full-Service Identity Restoration / Recovery
Lost Wallet
———————————————
CyberAgent® / Dark Web Monitoring
Social Media Monitoring
Social Security Number Trace
with Monitoring
Change of Address Monitoring
Up to 1 million of Expense
Reimbursement Insurance with $0 Deductible including stolen funds*
Annual Credit Reports with Scores – Experian, Equifax, TransUnion**
Credit Monitoring – Experian,
Equifax, TransUnion
———————————————
Monthly Credit Score Tracking – Experian
Court Records and Bookings Monitoring
Sex Offender Monitoring
Non-Credit Loan Monitoring
Financial Account Takeover Monitoring***
CHILD PLUS
($6 month add-on)
Includes up to 10 children
under age 18
Cannot be purchased
stand-alone
Full-Service Identity Restoration / Recovery
CyberAgent® / Dark Web Monitoring
Social Media Monitoring
Social Security Number Trace
with Monitoring
Up to 1 million of Expense
Reimbursement Insurance with $0 Deductible including stolen funds*
Website Portal and Mobile App Access
BENEFITS
• Includes 20% discount
• Enroll and activate in minutes
• Fully-managed recovery included in all plans; 100% success rate
• U.S.-based service and support
* The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
** Calculated on the VantageScore 3.0 model. Your VantageScore 3.0 from Experian indicates your credit risk level and is not used by all lenders, so don’t be surprised if your lender uses a score that’s different from your VantageScore 3.0.
*** Does not monitor all transactions at all financial institutions.
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