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 protection 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 service and fraud alert notifications, and up to $1 million in stolen funds reimbursements insurance. 

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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, internet scanning, social security number monitoring, financial account monitoring, public record monitoring, fraud alert notifications, 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 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 appears to provide U.S.-based customer service support to those who have regarding their identity protection services and accounts.

Plans and Prices 

Identity Guard offers four plans:

  • Premier Family plan: Costs $34.99 per month
  • Individual Value plan: Costs $8.99 per month
  • Individual Total plan: Costs $19.99 per month
  • Individual Premier Plan: Costs $24.99 per month

The Family plan includes IBM Watson artificial intelligence, dark web monitoring, social insight report, a monthly credit score and credit report, personal bank account, and potential cyberbullying alerts. 

The Individual Value plan includes IBM Watson artificial intelligence, $1 million identity theft insurance for stolen funds, risk management score, a dedicated case manager, an online identity dashboard, a mobile application, dark web alerts, and high-risk transaction alerts. 

The Individual Total plan includes everything the Value plan has along with monthly credit score and credit report alerts, change alerts from all three credit bureaus, bank account takeover alerts, and open checking/savings account request alerts. 

The Individual Premier plan offers everything from the Total plan with an addition of tri-bureau credit reports, protection tools including an anti-phishing mobile app, safe browsing extension, and social insight report. 

Data Breach Security

The company offers two data breach 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 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. 

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 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 protect against and prevent identity theft incidents in the future.

Digital Protection

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 app for mobile devices to help catch suspicious activity.

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 total protection software as Identity Guard. The company promises to keep any and all customer information away from thieves by using industry standard encryption.  

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 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. 

The Bottom Line

Identity Guard offers a reputable identity theft protection service that includes several monitoring services, four fairly-priced plans, various fraud alerts, data breach protection, up to $1 million in identity theft insurance, U.S.-based customer service, software to protect against phishing scams, a safe browsing/web monitoring resource, and a comprehensive privacy total protection suite. However, the company's identity restoration services for consumers who have fallen victim of identity theft are somewhat limited and it 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.

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