IDENTITY THEFT PROTECTION
Protect Your Identity Before Fraud Becomes a Bigger Problem
Monitor your identity, credit and online exposure—and get access to professional recovery assistance when suspicious activity is detected. Individual and family plans are available.
Choose convenient online enrollment or speak with JRF Services first to discuss your options.
Your Identity Is More Than a Password
Identity theft can involve far more than a stolen Social Security number.
Your:
-
Personal Information
-
Credit Information
-
Financial Accounts
-
Online Credentials
-
Medical Information
-
Other Identifying Information
can all become targets.
Identity theft can happen even when you're careful. Monitoring and recovery services can provide another layer of awareness and assistance when something goes wrong.
Monitor. Alert. Recover.
Simple Online Access. Personalized Help When You Want It.
MONITOR
Monitor covered identity, credit and online information for certain signs of suspicious activity.
ALERT
Receive notifications when covered monitoring identifies activity that may require your attention.
RECOVER
If identity theft occurs, access identity-recovery specialists who can help guide you through the recovery process.
The goal isn't to promise that identity theft can never happen. It's to give you additional tools, awareness and recovery support when you need them.
Protection That Goes Beyond Your Credit Report
🔐
IDENTITY MONITORING
Monitor covered personal information and activity for potential warning signs of identity theft.
💳
CREDIT
MONITORING
Depending on your plan, monitor one or all three major credit bureaus for certain changes and receive applicable alerts.
🌐
DARK-WEB / INTERNET MONITORING
Monitor certain online sources for compromised credentials and potentially exposed personal information.
🛡️
IDENTITY
RECOVERY
Get access to identity-theft resolution specialists who can help guide you through the recovery process.
👛
LOST-WALLET ASSISTANCE
Get assistance with the steps involved when important cards or identification are lost or stolen.
🚨
SCAM
DETECT
Have a suspicious text, email or phone call?
Use Scam Detect to help analyze potentially fraudulent communications before you act.
Choose the Level of Protection That's Right for You
Three plan levels. Individual and family options. Choose the combination of monitoring and protection that fits your needs.
🥉 BRONZE
Essential ID Protection
Essential ID Protection
Individual: $4.95/month
Family: $9.95/month
A strong starting point for identity monitoring and recovery assistance.
INCLUDES
✓ Fully Managed Recovery Service
✓ 24/7/365 Identity Theft Resolution Specialists
✓ Identity Monitoring
✓ Real-Time Email & SMS Alerts
✓ Monthly Risk / All-Clear Email
✓ Lost Wallet Assistance
✓ Credit Notification, Dispute & Follow-Up
✓ Credit Freeze Assistance
✓ ID Theft Affidavit Assistance
✓ Medical Identity Theft Assistance
✓ Emergency Cash Advance & Travel Arrangements
✓ Spanish & French Assistance
🥈 SILVER
Enhanced ID + Credit Protection
Enhanced ID + Credit Protection
Individual: $14.95/month
Family: $19.95/month
Everything in Bronze, plus additional monitoring and credit protection.
INCLUDES
✓ Everything in Bronze
✓ $1 Million Identity Theft Insurance — Recovery Expenses*
✓ Email Health Check
✓ Telco / Utility Alerts
✓ Scam Detect
✓ 1-Bureau Credit Monitoring
✓ 1-Bureau Credit Report & Score
✓ 1-Bureau Monthly Credit Refresh & Tracking
🥇 GOLD
Complete ID + Credit Protection
Complete ID + Credit Protection
Individual: $19.95/month
Family: $24.95/month
Everything in Bronze and Silver, plus the broadest credit-monitoring coverage in the lineup.
INCLUDES
✓ Everything in Bronze & Silver
✓ 3-Bureau Credit Monitoring
✓ 3-Bureau Credit Report & Score
✓ 3-Bureau Monthly Credit Refresh & Tracking
✓ Home Title Monitoring & Alerts
✓ Up to $2 Million in applicable Identity Theft Insurance / Identity Fraud Expense Reimbursement*
⭐ MOST COMPREHENSIVE
*Coverage, benefits, limits, terms, conditions and exclusions vary by plan. Identity theft insurance/reimbursement is subject to the applicable policy and plan documents. Please review the applicable Summary of Benefits and policy terms for complete details.
Why Choose Gold?
More Credit Visibility. More Monitoring. More Protection.
If you want broader visibility into your credit, Gold provides monitoring across:
Equifax
Experian
TransUnion
Gold currently includes three-bureau credit monitoring, reports and scores, along with three-bureau monthly credit refresh and tracking.
GOLD HIGHLIGHTS
3-Bureau Credit Monitoring
3-Bureau Credit Reports & Scores
Monthly Credit Refresh & Tracking
Home Title Monitoring
Expanded Applicable Insurance/Reimbursement Benefits
Protect Yourself — or Protect Your Household
Identity theft doesn't necessarily affect just one person.
Choose the coverage option that fits your household.
INDIVIDUAL PROTECTION
A convenient option if you're primarily looking to protect yourself.
GOOD FOR:
✓ Individuals
✓ Professionals
✓ Retirees
✓ Online shoppers
✓ People concerned about identity exposure
✓ Consumers wanting additional monitoring
FAMILY PROTECTION
Extend available protection to your household under a family plan.
GOOD FOR:
✓ Couples
✓ Families
✓ Parents
✓ Multi-person households
✓ Households managing multiple online accounts
Not Sure If It's a Scam? Check Before You Act.
STOP. CHECK. THEN RESPOND.
Scammers can impersonate banks, government agencies, businesses, family members and even people you know.
You might receive:
-
"Your account has been frozen."
-
"Your payment is overdue."
-
"Your loved one is in trouble."
-
"Click here to verify your account."
-
"Send payment immediately."
DON'T PANIC.
DON'T CLICK.
DON'T PAY.
CHECK FIRST.
Scam Detect is designed to help you analyze suspicious communications and make a more informed decision before responding.
SCAM DETECT
Have a strange text from someone saying they’re from the bank and your account is frozen? Get a scary call in the middle of the night saying your loved one is hurt and you need to pay their hospital bills? You got an email saying that your account details have expired and you need to update them? Check with Scam Detect before you move forward.
PraesIDium’s Scam Detect was designed to empower clients with resources to protect their identity and assets. Scam Detect is a scam analysis tool and 24/7 service that helps you avoid falling for scams of all kinds.
If Identity Theft Happens, You're Not Left to Figure It Out Alone
Identity theft can be stressful. Knowing where to start can be just as difficult as discovering the problem itself.
STEP 1
IDENTIFY
Determine what information or accounts may have been affected.
STEP 2
SECURE
Take appropriate steps to protect affected accounts and information.
STEP 3
RECOVER
Access identity-recovery specialists who can help guide you through the recovery process.
STEP 4
RESTORE
Work through the applicable recovery process and address covered expenses or losses according to your plan's terms.
Identity Theft Can Create More Than Stress
Identity theft can potentially create expenses related to recovering your identity.
Depending on your plan, applicable identity-theft insurance/reimbursement benefits may provide coverage for certain covered expenses and losses.
UP TO $1 MILLION
Available on applicable Silver coverage.
UP TO $2 MILLION
Available on applicable Gold coverage.
IMPORTANT
These are not blanket guarantees of reimbursement for every dollar lost to fraud or scams. Coverage is subject to the applicable policy, limits, terms, conditions and exclusions.
Know What Your Protection Can—and Can't—Do
ID PROTECTION CAN HELP YOU:
✓ Monitor covered identity activity
✓ Monitor covered credit activity
✓ Receive certain alerts
✓ Identify potential warning signs
✓ Access identity-recovery assistance
✓ Receive applicable covered benefits
✓ Get assistance after a lost wallet
✓ Analyze certain suspicious communications with Scam Detect
ID PROTECTION DOES NOT GUARANTEE:
✗ That identity theft will never occur
✗ That every fraudulent transaction will be detected
✗ That every scam will be identified
✗ That every financial loss will be reimbursed
✗ That you no longer need to monitor your own accounts
BOTTOM LINE
ID Theft Protection is another layer of protection—not a replacement for good financial and online security habits.
Why Get ID Theft Protection Through JRF Services?
PERSONAL
GUIDANCE
Have questions? JRF Services is available to help you understand your options.
ONLINE
CONVENIENCE
Explore available plans and enroll online.
PLAIN-ENGLISH EXPLANATIONS
We help you understand the differences between monitoring, recovery and applicable protection benefits.
OPTIONS FOR
DIFFERENT NEEDS
Choose from multiple plan levels and individual or family options.
Frequently Asked Questions About ID Theft Protection
Learn More About Identity Theft Protection
Have questions? Our ID Protection guides can help you understand your options before you choose a plan.
ID Theft Protection services, features, pricing, insurance/reimbursement benefits, eligibility, limits, terms, conditions and exclusions vary by plan and are subject to the applicable provider and policy documents. Monitoring services do not guarantee that identity theft, fraud or scams will be prevented or detected. Review the applicable plan documents and Summary of Benefits for complete details before enrolling.