Identity Guard® has been a leader in the market for nearly a decade-and-a-half. Their expertise and experience offer consumers and unmatchable identity theft protection plan. Identity Guard® is a leader not only in consumer but corporate identity theft protection. For these reasons and many more, we have voted Identity Guard® our number 1 staff pick.

The Positives

One of the most distinctive aspects of Identity Guard® is that they are confident in their work. They provide 3 different packages for consumers to choose from ranging anywhere from $16.99/month to $22.99/month. Some of the most effective features that they offer are:

• Social Security Number Monitoring
• Online “Black Market” Monitoring
• ID Verification Alerts
• Account Takeover Alerts
• Identity Theft Victim Assistance
• Lost Wallet Protection
• $1 Million Identity Theft Insurance
• ID Vault Password Protection

Surprisingly, that’s just with the basic plan that they offer. Additionally, Identity Guard® also offers Kid Sure®, which is an optional add-on geared at helping protect the identity of children. This specific service only costs an extra $5 per month for up to 15 children per account. Identity Guard® is a serious and effective leader in identity theft protection.

Identity Guard®’s recovery efforts include important benefits such as lost wallet protection. and a $1 million Identity Theft Insurance.  Their wallet protection feature allows customers to call Identity Guard® and for help with canceling all credit cards lost. They also give you access to emergency funds, and renew accounts. Identity Guard® significantly monitors all of your most important identity information by providing credit monitoring for all three of your credit bureau reports.

The Negatives

Identity Guard® is not accredited with the BBB and it’s parent organization has received several consumer complaints. Their complaints were towards collection and billing problems and problems with the product/service. This can and will happen with any company because not every consumer will be happy with every service 100%.

Pricing

Identity Guard® Privacy Now only $19.99/month

It includes the following:

• Social Security Number Monitoring
• Online “Black Market” Monitoring
• ID Verification Alerts
• Account Takeover Alerts
• Identity Theft Victim Assistance
• Lost Wallet Protection
• $1 Million Identity Theft Insurance
• ID Vault Password Protection

Identity Guard® Total Protection® for only $16.99/month

It includes everything the Essentials plan includes, plus:

• Address Change Monitoring
• 3-Bureau Credit Monitoring
• Credit Report Updates for all 3 Credit Bureaus
• Credit Scores for all 3 Credit Bureaus
• Credit Score Updates every Quarter
• 3-Bureau Credit Analyser
• Account Access via Mobile App
• Public Record Monitoring
• PC Keyboard Encryption Software
• PC Antivirus Software

Identity Guard® Platinum for only $22.99/month

This plan includes everything the Total Protection plan has but the 3 credit bureau updates are monthly. The higher frequency decreases your chances of being an identity theft victim.

Contract Information

Identity Guard® leverages a services called CashEdge for account aggregation that is provided by Fiserv. Credit scores for their customers are provided by CreditXpert. If you ever become a victim of identity theft, Identity Guard® will send you to ITAC Sentinel for assistance and recovery services. You will work with them instead of working with Identity Guard® directly.

Limits of Insurance

Lost Wages: $2,000 per week, up to 5 weeks per policy period.

Travel Expenses: $1,000 per policy period.

Elderly, Spousal and Child Care: $2,000 per policy period Legal costs are a part of the limit of insurance.

Terms of Use

“We shall be excess over any other insurance, including, without limitation, homeowner’s or renter’s insurance. If you have other insurance that applies to a loss under this policy, the other insurance shall pay first. This policy applies to the amount of loss that is in excess of the Limit of Insurance of your other insurance. In no event shall we pay more than our Limits of Insurance as shown above.”

What this means: Identity Guard® claims that they are only a secondary insurance to any other insurance that may apply to their policy and if there are funds that your primary insurance cannot pay, the rollover amount will then be taken care of by Identity Guard®.

License Grant

Any submission or communication you contribute on Identity Guard® is automatically granted to the ownership of Identity Guard®.  They are then able to modify or edit the communication in any form of media or format.  Also, Identity Guard® reserves the right to sublicense its rights through multiple tiers of sublicenses.

KID Sure®

When signing your child/children up for Identity Guard®’s KID Sure®, you must provide multiple documents to prove your legal guardianship and services are limited to up to fifteen children.  When you enroll for Minor Monitoring, you are affirming that:

• You are the legal guardian of each child you are signing up for minor monitoring
• Any documents you provide assert the same is valid
• Each child signed up with Minor Monitoring legally resides at your recorded address

You are required to provide a copy of:
• Your driver’s license
• Your child’s Social Security card
• Your child’s birth certificate
• Any other documents to verify proof of legal guardianship

The scores you receive with Identity Guard® are provided for educational purposes to help you understand your credit. They are calculated using the information contained in your Equifax‚ Experian and TransUnion credit files. Lenders use many different credit scoring systems‚ and the scores you receive with Identity Guard are not the same scores used by lenders to evaluate your credit.

Credit scores are provided by CreditXpert based on data from the credit reporting bureaus.

If you do not cancel your membership within the free trial period, your card will be charged either a monthly or annual fee, depending on the membership plan you choose. You may cancel your membership anytime simply by contacting Identity Guard. (hyper link this to http://www.identityguard.com/contact-us/ )

Intersections, Identity Guard and Total Protection are registered or federally registered trademarks of Intersections Inc.

Company Data

History

Identity Guard® was started by Intersections, Inc. about 20 years ago and they are one of the top recommended companies on IdentitySecurely.com.

Press Releases

Identity Guard®

What MarketWatch says:

Though Intersections (INTX) hasn’t been mentioned for a few years on MarketWatch news and many other news channels. In 2010, MarketWatch had mentioned a 34% jump by Intersections Inc. after a reported second-quarter net income of 29 cents a share. Looking back at the same time last year where they were at a loss of 15 cents a share.

The Verdict

Identity Guard® is exceptional in the identity theft industry and we know that they have an exceptional product. They have proven to take excellent care of their customers and Identity Guard® brings close to 20 years of experience and expertise to the table.

Get started with Identity Guard® today and get a free 30 day trial to test out their services.

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IdentityGuard

$16.99 - $22.99/month
IdentityGuard
9.84

Security

10/10

    Identity Protection

    10/10

      Recovery Assistance

      10/10

        Features

        10/10

          Help & Support

          10/10

            Pros

            • Social Security Number Monitoring
            • $1 Million Identity Theft Insurance
            • ID Vault Password Protection
            • Lost Wallet Protection
            • Identity Theft Victim Assistance

            Cons

            • Coverage for Children has a fee
            • Contract limitations