Identity Guard® is a product of Aura and was created to provide all consumers with the opportunity to receive the trusted expertise and protection that was previously only offered to financial institutions.

Identity Guard is a leading provider of consumer and corporate identity risk management services.

According to the Identity Guard website, the company's mission is "to educate and empower every person to take control of their personal information to protect it from fraud, theft, or misrepresentation."

Some of the protection services that Identity Guard offers include:

  • Personal risk assessment
  • Proactive action steps
  • Credit scores* and credit reports from all three major credit bureaus
  • Around-the-clock identity monitoring service
  • Fraud alert notifications
  • Up to $1 million in stolen funds reimbursement insurance**

Read on to learn more about Identity Guard's services and to view verified Identity Guard reviews. 

The Good

  • Monitoring Services
  • Plans and Prices
  • Data Breach Security
  • Insurance
  • Digital Protection

Monitoring Services

Identity Guard offers comprehensive identity theft protection services and packages which include credit monitoring services, dark web monitoring, address monitoring, and fraud alert notifications.

Because Identity Guard provides so many monitoring services, it may be likely that identity theft will be caught and shut down before it actually happens.

All of the monitoring services that Identity Guard offers to help protect against identity thieves run continuously which is designed to help customers keep a peace of mind.

Identity Guard provides monitoring services for everything from a customer's bank account (including checking account and savings account) to lost wallet protection and/or data breach security.

The company also provides U.S.-based customer service support to those who have an Identity Guard account. 

Plans

Identity Guard offers a total of six theft protection plans — three individual identity theft protection plan options and three family plan options.

According to the identity guard website, the company offers the following plans:

  • Family Value — includes IBM® Watson™ Artificial Intelligence, dark web monitoring, a risk management report, safe browsing tools, an online identity dashboard, a dedicated case manager, up to $1 million in identity theft insurance with added stolen funds reimbursement, and access to an anti-phishing app
  • Family Total — includes everything from the Family Value plan along with a monthly credit score, address monitoring, tri-bureau credit monitoring, and tax refund alerts
  • Family Premier — includes everything from the Family Total plan along with a credit score and credit report and a social insight report
  • Individual Value — includes IBM Watson Artificial Intelligence, dark web monitoring, a risk management report, safe browsing tools, an online identity dashboard, a dedicated case manager, up to $1 million in identity theft insurance with added stolen funds reimbursement, and access to an anti-phishing app
  • Individual Total — includes everything from the Individual Value plan along with a monthly credit score, address monitoring, tri-bureau credit monitoring, and tax refund alerts
  • Individual Premier — includes everything from the Individual Total plan along with a credit score and credit report and a social insight report

Data Breach Security

The company offers two data breach business services which include data breach readiness and data breach response.

Identity Guard allows organizations to prepare for data breaches by providing them with network scans, data monitoring, employee security awareness training, an official Data Breach Readiness Guide, and other identity theft protection tools.

The identity theft protection service also provides online educational tools/resources that organizations can use to get their systems ready to protect against future data breaches.

Organizations will have the opportunity to plan out and develop a coordinated response to data breaches with Identity Guard's data breach readiness service.

The Identity Guard data breach response service allows organizations to get the help and support they need to restore their customers' and investors' confidence levels post-breach and will provide organizations with a designated breach team and in-class products to help their affected customer base after a breach occurs.

Insurance

Identity Guard customers receive up to $1 million in identity theft insurance coverage, which reimburses them for theft-related expenses in the event that they become an identity theft victim.

For example, the policy covers lost or stolen wages of $2,000 per week for up to five weeks, travel expenses of up to $1,000 per policy period, and spousal and childcare of up to $2,000 per policy period.

Identity Guard is partnered with AIG (a multinational insurance corporation that is based in the U.S.) to provide customers with $1 million in insurance in case a customer becomes a victim of identity theft.

Those who do fall victim to identity theft are assigned to a resolution specialist who will help monitor the customer's data for a total of three months post-resolution in order to protect against and prevent identity theft incidents in the future.

Digital Protection

Identity Guard provides customers with a dedicated case manager and an anti-phishing app for mobile devices to help catch suspicious activity.

The identity theft service uses automated settings to strengthen online privacy for individuals and families in regards to social media use.

Since Identity Guard offers anti-phishing software, customers do not have to pay out-of-pocket costs to obtain their own software. Many other identity protection companies do not offer as much software as Identity Guard.

Additionally, the company does promise to keep any and all customer information away from identity thieves by using industry-standard encryption.

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The Bad

  • Limited Recovery Services
  • No Money-Back Guarantee

Limited Recovery Services

Although Identity Guard does offer financial and criminal identity restoration services, the company does not assist with medical or tax identity recovery.

Additionally, Identity Guard does not work with pre-existing identity conditions (for those who already have a stolen identity) nor does it provide limited power of attorney. Meanwhile, many other companies in the identity theft industry do offer most or all of these services.

No Money-Back Guarantee

Even though those who have an Identity Guard account can cancel their membership/services with Identity Guard at any time, the company does not offer a complete money-back guarantee policy.

According to the Identity Guard website, customers are "not entitled to any credit, refund, price adjustment, or any other discount, compensation or recompense for any partial-use or early cancellation." Refunds only seem to be available on a case-by-case basis.

The Bottom Line

Identity Guard offers a reputable identity theft protection service that includes several monitoring services, six fairly-priced plans (including family plan options), various fraud alerts, data breach protection, and up to $1 million in identity theft insurance.

Identity Guard also provides customers with U.S.-based customer service, anti-phishing software, a safe browsing extension/web monitoring resource, and a comprehensive privacy total protection suite.

However, the company's identity restoration services for consumers who have fallen victim to identity theft are somewhat limited and the company lacks a complete money-back guarantee policy.

Overall, Identity Guard has more positive aspects than negative and is one of the more reliable identity protection services to choose to protect your identity.

*The score you receive with Identity Guard is provided for educational purposes to help you understand your credit. It is calculated using the information contained in your TransUnion credit file. Lenders use many different credit scoring systems, and the score you receive with Identity Guard is not the same score used by lenders to evaluate your credit.

**Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group‚ Inc. The description herein is a summary and intended for informational purposes only and does not include all terms‚ conditions and exclusions of the policies described. Please refer to the actual policies for terms‚ conditions‚ and exclusions of coverage. Coverage may not be available in all jurisdictions.

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