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Id Guard is a well known title within the identification theft safety trade, having been round for over 25 years. The corporate presents fundamental identification theft safety at an reasonably priced worth, in addition to complete, "white glove" identification and credit score safety plans. Its safety packages have received a number of awards and can be found for people and households.
With Id Guard, you'll be able to select between fundamental identification theft safety and complete, "white glove" identification and credit score safety plans. Preserve studying to study extra about Id Guard’s options and whether or not its plans are best for you.
Finest for seniors
In accordance with FTC statistics, seniors are extra possible targets for id theft resulting from their monetary profiles and habits. Identity Guard presents a number of options to fight these vulnerabilities, together with residence title, USPS tackle change and 401k account monitoring. A password supervisor, secure shopping instruments and danger evaluation stories additional assist on this regard.
Id Guard Id Theft Safety execs and cons
- Finances-friendly fundamental plan
- $1 million in identification theft insurance coverage on all plans
- Predictive danger administration rating
- 24/7/365 US-based help group
- Complete plans are costly
- Fundamental plan would not embody credit score monitoring
- Restricted cybersecurity instruments
Professionals defined
Finances-friendly fundamental plan
At $8.99 monthly, or $7.50/mo with annual billing, Id Guard's entry-level plan is an reasonably priced but robust possibility for individuals who need an identification theft safety service. It contains entry to a US-based buyer care group and comes with data breach notifications, darkish net monitoring, high-risk transaction monitoring, secure shopping instruments and a password supervisor.
$1 million in identification theft insurance coverage on all plans
All Id Guard plans embody $1 million in identification theft insurance coverage, underwritten by American Worldwide Group, Inc (AIG). This insurance coverage covers prices associated to identity theft, similar to repairing your credit score report and paying authorized charges to revive your identification. Different suppliers would possibly provide extra protection, however a $1 million cap on damages is sufficient for the common client.
Predictive danger administration rating
Id Guard analyzes public, non-public and credit score information to measure how possible you might be to turn out to be a sufferer of identification fraud. The service additionally reveals clients how modifications to their monetary well being and on-line footprint might enhance or worsen their danger rating. This characteristic is particularly helpful for these at greater danger, like seniors and previous victims of identification theft.
24/7/365 US-based help group
The method of restoring your identification to a pre-theft standing might be prolonged and troublesome to navigate. Id Guard clients have entry to a US-based help group of fraud brokers that's accessible across the clock, day by day of the yr. This group works in tandem with credit score reporting companies, regulation enforcement and monetary establishments to get well your identification.
Cons defined
Complete plans are costly
Id Guard's Extremely plan contains the entire options accessible in Worth and Complete, plus further identification and credit score safety instruments. Nevertheless, this plan is on the pricier facet in comparison with comparable ones from different suppliers, beginning at $29.99 monthly. Among the options that might be most dear for seniors are solely accessible on the costly Extremely and Complete plans.
Fundamental plan would not embody credit score monitoring
The Id Guard Worth plan comes with essential options for identification theft safety however would not embody any credit-related companies. If you're in search of options similar to three-bureau credit score monitoring, month-to-month credit score scores and an prompt credit score lock, you’ll must buy Id Guard’s Complete or Extremely plan, that are considerably costlier.
Restricted cybersecurity instruments
On-line and machine safety instruments have turn out to be normal throughout identification theft safety companies. That is true to such an extent that even fundamental plans could embody a VPN, an antivirus software program, monitoring blockers and extra. Sadly, Id Guard solely presents a password supervisor and a secure shopping extension even on its costliest plans, which is particularly unimpressive.
Id Guard Id Theft Safety Plans
Under, you'll be able to take a better take a look at the safety companies accessible with every Id Guard plan.
Worth
The Worth plan comes with the next options:
- $1 million in identification theft insurance coverage
- Entry to a US-based buyer care group
- Knowledge breach notifications
- Darkish net monitoring
- Excessive-risk transaction monitoring
- Protected 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
- Three-bureau credit score monitoring
- Month-to-month credit score rating
Extremely
Extremely comes with all of the options accessible on the Worth and Complete plans, plus:
- White glove fraud decision
- Social media monitoring
- Credit score and debit card monitoring
- 401k and funding account monitoring
- House title monitoring
- Legal and intercourse offense monitoring
- USPS tackle change monitoring
- Annual credit score report from the three main bureaus (Experian, Equifax, TransUnion)
- Entry to Experian Credit score Lock
Id Guard recommends Extremely for individuals who need probably the most full identification theft safety accessible. You’ll discover options on this plan unavailable on the corporate’s extra reasonably priced options, similar to:
- White-glove fraud decision. For those who expertise identification theft or one other sort of economic fraud, a devoted case supervisor from Id Guard will allow you to create a remediation and mitigation plan to attenuate damages and losses. The case supervisor may even assist train you how to report identity theft to federal establishments and credit score bureaus.
- Social media monitoring. By offering Id Guard with details about your social media accounts, the corporate can provide you with a warning while you share private and monetary info with probably fraudulent customers in direct messages. That may stop somebody from stealing your identification.
- Credit score monitoring. The best credit monitoring services, like these within the Extremely plan, provide you with a warning about suspicious or unauthorized actions in your accounts. You'll be able to obtain notifications by e mail, textual content or cellphone and take swift motion to guard your monetary info.
Id Guard Id Theft Safety pricing
Id Guard wins factors for its Worth plan, which is among the most budget-friendly identification safety packages we’ve come throughout. The plan comes with identification theft insurance coverage, fundamental cybersecurity instruments, and information breach alerts. It even options darkish net monitoring so you'll be able to maintain your bank card and bank account number a secret from malicious actors.
Id Guard doesn’t provide a free trial or demo for any of its plans. Nevertheless, the corporate supplies a 60-day money-back assure on all annual plans.
Right here’s a price breakdown for every of Id Guard's plans:
$8.99/mo; $7.50/mo with annual billing (=$90/yr)
$14.99/mo; $12.50/mo with annual billing (=$150/yr)
$19.99/mo; $16.67/mo with annual billing (=$200.04/yr)
$29.99/mo; $25/mo with annual billing (=$300/yr)
$29.99/mo; $25/mo with annual billing (=$300/yr)
$39.99/mo; $33.33/mo with annual billing (=$399.96/yr)
Id Guard Id Theft Safety monetary stability
Earlier than signing up for a plan with an identification theft service supplier, it is a good suggestion to seek out out if the corporate is financially steady. Though we could not discover monetary stability info for Id Guard, the corporate has been in operation for over 25 years, in accordance with its predominant web site.
AIG, the corporate that underwrites Id Guard's insurance coverage insurance policies, holds a monetary energy score of A+ (Superior) by AM Finest as of December 15, 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. It's also possible to e mail the help group and get a response inside 24 to 48 hours or cellphone a buyer consultant from Monday by way of Saturday. Not like different identification theft safety firms, it would not have a stay chat characteristic.
Availability
Id Guard's companies are at present restricted to clients in the USA. We could not discover details about whether or not Id Guard plans to supply its identification theft monitoring instruments to worldwide markets sooner or later.
Contact info
The Id Guard customer support cellphone quantity is 1-833-692-2187. Traces are open Monday by way of Friday from 8 a.m. to 11 p.m. and Saturday from 9 a.m. to six p.m. (EST). It's also possible to e mail customercare@identityguard.com.
Person expertise
On the subject of consumer expertise, Id Guard retains issues easy for its clients. It has a simple registration course of, and as soon as you've got arrange your account, Id Guard handles the heavy lifting of identification theft safety.
The corporate sends you customizable notifications by e mail, textual content or cellphone if it notices suspicious exercise in your accounts or if somebody exposes your private info on the web. You'll be able to 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 obtainable on each iOS and Android gadgets, the place it boasts largely constructive critiques. The app has a clear, easy-to-read consumer interface — one other constructive for seniors.
Id Guard Id Theft Safety buyer satisfaction
On the subject of buyer critiques, Id Guard's status varies broadly relying on the platform. On the BBB, the corporate has an A+ grade and a median score of 1.11/5 based mostly on 36 buyer critiques. Nevertheless, customers elsewhere level out the corporate's stable customer support and talent to resolve issues shortly.
Id Guard Id Theft Safety FAQs
How do Id Guard companies work?
Id Guard is a web-based identification theft safety software that displays your private info and monetary accounts. It is going to notify you of suspicious or unauthorized actions associated to your private information and in your accounts. The corporate additionally supplies all customers with $1 million in identification theft insurance coverage, which you need to use to get well funds misplaced to this crime. The corporate additionally supplies all customers with $1 million in identification theft insurance coverage, which you need to use to get well funds misplaced to this crime.
Does Id Guard provide a free trial?
Id Guard would not provide a free trial or demo. One approach to check out Id Guard's identification theft safety service is to enroll in a month-to-month plan and cancel it after the corporate deposits the primary fee out of your checking account. Clients who join an annual plan even have the choice of claiming their money-back assure if they're unhappy with the service.
How do I join Id Guard identification theft safety companies?
To enroll in Id Guard’s identification theft safety companies, go to the corporate’s web site, click on "Begin Membership" and select the plan that most closely fits you. Then, create an account by offering your private particulars and selecting a username and password.
You will be prompted so as to add monetary info to your account, similar to your bank card numbers, checking account info and Social Safety Quantity (SSN). Id Guard will observe this info and notify you of suspicious exercise in your accounts.
How good is Id Guard at dealing with identification theft conditions?
Id Guard says 38 million folks belief it to guard their identification 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 nicely upfront.
How we evaluated Id Guard identification theft safety
Cash thought-about the next elements when reviewing Id Guard:
- Plan options and pricing
- Accessibility
- Service phrases of use
- Cash-back assure choices
- Customer support choices
- Buyer critiques on BBB, Trustpilot and different platforms
- Third-party scores
Abstract of Cash’s Id Guard Id Theft Safety Evaluation
Identity Guard will get an "A" for the affordability of its entry-level plan, which begins at simply $8.99 monthly and presents good id theft safety options. A beneficiant $1 million in identification theft insurance coverage protection can be accessible with this plan. General, Id Guard can be a really robust alternative for seniors because of the forms of identification monitoring and instruments it presents to clients.
The largest draw back of Id Guard's is that its credit score monitoring companies are unavailable on the corporate’s extra reasonably priced plans. For complete identification theft protection, you will want to decide on the costly Complete or Extremely plans. Alternatively, you'll be able to check out our checklist of the best identity theft protection services and select one which higher aligns along with your wants.
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