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Identity Guard is a product of Intersections, Inc. 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 avoid fraud, theft, or misrepresentation of their information." Some of the services that Identity Guard offers include personal risk assessment, proactive action steps, quarterly credit scores and credit reports from all three major credit bureaus, around-the-clock monitoring and alerts, and $1 million in stolen funds reimbursements insurance.
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Identity Guard offers comprehensive identity theft protection services and packages which include credit monitoring services, internet scanning, social security number monitoring, financial account monitoring, public record monitoring, fraud alerts, and credit freezes. Because Identity Guard provides so many monitoring services, it is much more likely that identity theft will be caught and shut down before it actually happens. All of the monitoring services that Identity Guard offers to protect against identity thieves run 24/7 which is designed to help customers keep a peace of mind. Identity Guard provides these 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.
Identity Guard offers three plans: the Advanced Technology Identity Guard with Watson plan, the Quarterly Three-Bureau Credit Updates Identity Guard Total Protection plan, and the Monthly Credit Report data Platinum plan. The Watson plan costs $19.99 per month and includes IBM Watson artificial intelligence, proactive action steps, and a personal risk assessment. The Total Protection plan also costs $19.99 per month and includes quarterly credit scores and credit reports, 24/7 monitoring and alerts, and $1 million insurance for stolen funds. Lastly, the Platinum plan costs $24.99 per month and includes monthly credit scores and credit reports, 24/7 monitoring and alerts, as well as $1 million insurance for stolen funds. All of Identity Guard's plans prices are fairly priced in comparison to other identity theft protection companies.
The company offers two data breach services which includes data breach readiness and data breach response. Identity Guard allows organizations to prepare for data breaches by providing organizations with network scans, data monitoring, employee security awareness training, an official Data Breach Readiness Guide, and other identity theft protection tools as well as 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.
Identity Guard customers receive up to $1 million in identity theft insurance coverage, which reimburses them for theft-related expenses in the event of identity theft. For example, the policy covers lost wages of $2,000 per week for up to five weeks, travel expenses of up to $1,000 per policy period, and spousal and child care 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 cash 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 provide protection against future identity theft incidents that may occur.
One of Identity Guard's most standout features is a digital privacy protection suite. The company offers anti-virus software, password protection, malicious website blocking, ad blocking, flash blocking, tracking cookie blocking, phishing site blocking, keyboard encryption software, and online financial tools. Identity Guard also provides customers with a social privacy manager and an anti-phishing mobile app. Identity Guard used automated settings to strengthen online privacy for individuals and families in regards to social media use. Since Identity Guard offers anti-virus and 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 protective software as Identity Guard. The company promises to keep any and all customer information protected by using industry standard encryption.
Although Identity Guard does offer financial and criminal identity restoration, 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.
Even though customers 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 for special circumstances.
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