In 2022, the FTC’s IdentityTheft.gov web site acquired over 1.1 million reviews of id theft, and shoppers reported almost $8.8 billion in id theft and fraud-related losses — a 30% enhance over the earlier yr. To guard your funds and preserve from including to those statistics, chances are you’ll be fascinated with getting an id theft safety service.
With Id Guard, you’ll be able to select between primary id theft safety and complete, “white glove” id and credit score safety plans. Hold studying to be taught extra about Id Guard’s options and whether or not its plans are best for you.
Finest for Affordability
Beginning at $8.99 per thirty days, Id Guard‘s entry-level plan is an inexpensive choice for individuals who need an id theft safety service with out having to spend a considerable sum of money each month on costly software program.
Id Guard Id Theft Safety Professionals and Cons
- Funds-friendly primary plan
- $1 million in id theft insurance coverage on all plans
- Number of pricing choices for particular person and household plans
- Costly complete plans
- Fundamental plan would not embody credit score monitoring
Professionals defined
Funds-friendly primary plan
Id Guard’s Worth plan prices $6.67 per thirty days for people and $14.99 per thirty days for households when billed yearly. It consists of entry to a US-based buyer care group and comes with information breach notifications, darkish net monitoring, high-risk transaction monitoring, secure shopping options and a password supervisor.
$1 million in id theft insurance coverage on all plans
All Id Guard plans embody $1 million in id theft insurance coverage, underwritten by American Worldwide Group, Inc (AIG). This insurance coverage covers prices associated to id theft, comparable to repairing your credit score report and paying authorized charges to revive your id. Different suppliers may provide extra protection, however a $1 million cap on damages is sufficient for the typical client.
Number of pricing choices for particular person and household plans
Id Guard affords three plans for people and for households. A person plan grants one person entry to its companies, whereas the household plan protects as much as 5 adults plus a limiteless variety of kids.
Cons defined
Complete plans are costly
Extremely, Id Guard’s most complete providing, consists of all the options out there in Worth and Complete, plus extra id and credit score safety instruments like social media monitoring. Nonetheless, this plan is on the pricier finish in comparison with comparable ones from different suppliers, beginning at $29.99 per thirty days.
Fundamental plan would not embody credit score monitoring
The Worth plan consists of primary options for id theft safety however it would not include credit score and debit card monitoring. If it is a crucial function for you, you’ll must buy Id Guard’s most costly choice, the Extremely plan.
Id Guard Id Theft Safety Plans
Beneath, you’ll be able to take a more in-depth take a look at the safety companies out there with every Id Guard plan.
Worth
The Worth plan comes with the next options:
- $1 million in id theft insurance coverage
- Entry to a US-based buyer care group
- Knowledge breach notifications
- Darkish net monitoring
- Excessive-risk transaction monitoring
- Secure shopping software
- Password supervisor
Complete
Complete, Id Guard’s mid-range plan, comes with all of the options from the Worth plan, plus:
- Checking account monitoring
- Credit score file monitoring with the three credit score bureaus
- Month-to-month credit score rating
Extremely
Extremely comes with all of the options out there on the Worth and Complete plans, plus:
- Credit score and debit card monitoring
- White glove fraud decision
- Social media monitoring
- 401k and funding account monitoring
- House title monitoring
- Prison and intercourse offense monitoring
- USPS handle change monitoring
- Entry to Experian Credit score Lock
- Annual three-bureau credit score monitoring reviews
Id Guard recommends Extremely for individuals who need essentially the most full id theft safety out there. You’ll discover options on this plan unavailable on the corporate’s extra inexpensive options, comparable to:
- White-glove fraud decision. If you happen to expertise id theft or one other kind of economic fraud, a devoted case supervisor from Id Guard will aid you create a remediation and mitigation plan to reduce damages and losses. The case supervisor may also assist educate you the right way to report id theft to federal establishments and credit score bureaus and restore your monetary fame.
- Social media monitoring. By offering Id Guard with details about your social media accounts, the corporate can provide you with a warning if you share private and monetary info with probably fraudulent customers in direct messages. That may forestall somebody from stealing your id.
- Credit score monitoring. The finest credit score monitoring companies, like these within the Extremely plan, provide you with a warning about suspicious or unauthorized actions in your accounts. You may obtain notifications by electronic mail, textual content or telephone and take swift motion to guard your monetary info.
Id Guard id theft safety pricing
Id Guard wins factors for affordability with its Worth plan, which is without doubt one of the most budget-friendly id theft safety packages we’ve come throughout. The plan comes with id theft insurance coverage, cybersecurity instruments and varied kinds of monitoring. It even options darkish net monitoring so you’ll be able to preserve your bank card numbers and checking account quantity a secret from malicious actors.
Right here’s a price breakdown for every of Id Guard’s plans:
$8.99/mo; $6.67/mo with annual billing
$14.99/mo; 10.00/mo with annual billing
$19.99/mo; $11.99/mo with annual billing
$29.99/mo; $17.99/mo with annual billing
$14.99/mo; $29.99/mo with annual billing
$39.99/mo; $19.99/mo with annual billing
Id Guard doesn’t provide a free trial or demo for any of its plans. Nonetheless, the corporate supplies a 60-day money-back assure on all annual plans.
Id Guard Id Theft Safety Monetary Stability
Earlier than signing up for a plan with an id theft service supplier, it is a good suggestion to seek out out if the corporate is financially secure. Though we could not discover monetary stability info for Id Guard, the corporate has been in operation for over 25 years, in keeping with its important web site.
AIG, the corporate that underwrites Id Guard’s insurance coverage insurance policies, holds a monetary energy ranking of A (Steady) by AM Finest as of December 18, 2023.
Id Guard Id Theft Safety Accessibility
Id Guard has a useful resource heart and FAQ web page that gives detailed details about the corporate’s companies. You may as well electronic mail a group member and get a response inside 24 to 48 hours or telephone a buyer consultant from Monday by Saturday. Not like many different suppliers, the corporate would not have a stay chat function.
Availability
Id Guard’s companies are at present restricted to clients in america. We could not discover details about whether or not Id Guard plans to supply its id theft monitoring instruments to worldwide markets sooner or later.
Contact info
The Id Guard customer support telephone quantity is 1-833-692-2187. Strains are open Monday by Friday from 8 a.m. to 11 p.m. and Saturday from 9 a.m. to six p.m. (EST). You may as well electronic mail customercare@identityguard.com.
Consumer expertise
In the case of person expertise, Id Guard retains issues easy for its clients. It has a simple registration course of, and as soon as you have arrange your account, Id Guard handles the heavy lifting of id theft safety.
The corporate sends you customizable notifications by electronic mail, textual content or telephone if it notices suspicious exercise in your accounts or if somebody exposes your private info on the web. You may log into your dashboard to view monitoring insights and replace your account info.
Id Guard additionally has a cell app that permits you to entry your dashboard on the go, obtain push notifications about fraud alerts, and add and take away monetary accounts. The Id Guard app is on the market on each iOS and Android units.
Id Guard Id Theft Safety Buyer Satisfaction
In the case of buyer evaluations, Id Guard’s fame varies broadly relying on the platform. On the BBB, the corporate has a median of 1.8/5 based mostly on simply 5 buyer evaluations. Many customers in on-line evaluations level out the corporate’s strong customer support and skill to resolve issues rapidly.
Id Guard Id Theft Safety FAQs
How do Id Guard companies work?
Id Guard is a web-based id theft safety software that displays your private info and monetary accounts. It makes use of IBM Watson’s AI instruments to foretell on-line behaviors that enhance the danger of somebody stealing your information. It additionally notifies you of suspicious or unauthorized actions in your accounts.
The corporate additionally supplies all customers with $1 million in id theft insurance coverage, which you need to use to recuperate funds misplaced to this crime.
Does Id Guard provide a free trial?
Id Guard would not provide a free trial or demo. The one strategy to check out the Id Guard’s id theft safety service is to join a rolling month-to-month plan and cancel it after the corporate deposits the primary fee out of your checking account.
How do I join Id Guard id theft safety companies?
To join Id Guard’s id theft safety companies, go to the corporate’s web site, click on “Begin Membership” and select the plan that most accurately fits you. Then, create an account by offering your private particulars and selecting a username and password.
You may be prompted so as to add monetary info to your account, comparable to your bank card numbers, checking account info and Social Safety quantity. Id Guard will monitor this info and notify you of suspicious exercise in your accounts.
How good is Id Guard at dealing with id theft conditions?
Id Guard says 38 million individuals belief it to guard their id on-line. Many Id Guard customers commend the corporate for notifying them about questionable exercise on their monetary accounts, stopping a fraud occasion from occurring.
How we evaluated Id Guard id theft safety
Cash thought of the next elements when reviewing Id Guard:
- Plan options and pricing
- Accessibility
- Service phrases of use
- Cash-back assure choices
- Customer support choices
- Buyer evaluations on BBB, Trustpilot and different platforms
- Third-party scores
Abstract of Cash’s Id Guard Id Theft Safety Evaluation
Id Guard will get an “A” for the affordability of its entry-level plan. Beginning at simply $8.99 per thirty days, the Worth plan affords robust id theft safety options for individuals who need to safeguard their personally identifiable info on the web. A beneficiant $1 million in id theft insurance coverage can be out there with this plan.
The largest draw back of Id Guard’s is that its credit score monitoring companies are unavailable on the corporate’s extra inexpensive plans. For complete id theft protection, you will want to decide on the costly Extremely plan. If value is not a difficulty, Extremely doubtless affords every thing you could defend your private info and monetary accounts.
