Identity Theft Insurance

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Identity Theft

Some companies' idea of restoration amounts to handing you a do-it-yourself kit. Not at ID TheftSmart™. We provide full-service restoration, which means our experienced, Licensed Investigators do the bulk of the work on your behalf.

Smart Identity Restoration

As an ID TheftSmart member, you'll have exclusive access to your own experienced, Licensed Investigator in the event your identity is compromised. He or she will take care of the majority of paperwork and hours of legwork required to reclaim your identity to pre–theft status and regain your financial standing—including areas most people don't even think of as being affected by identity theft.

Smart Credit Monitoring

Of course, the best way to safeguard your identity is through constant vigilance and early detection. ID TheftSmart provides continuous credit monitoring to alert you to any potential problems or suspicious activity. You'll also receive an updated credit report, plus your personal credit score with a detailed analysis to give you a quick snapshot of your credit standing.

Three Levels of Identity Theft Membership

Bronze — $7.95/month

Spouse/Domestic Partner Coverage — additional $3.95/month

*Continuous Credit Monitoring through Experian

*Enhanced Identity Theft Restoration

*NonCredit Restoration Searches

Silver — $11.95/month

Spouse/Domestic Partner Coverage — additional $8.95/month

*Experian Credit Report with Personal Credit Score and Analysis

*Three Bureau Continuous Credit Monitoring

*Enhanced Identity Theft Restoration

*NonCredit Restoration Searches

*$25,000 Expense Reimbursement Insurance (Insurance Benefit Not Available for residents of the State of New York)

Gold — $12.95/month

Spouse/Domestic Partner Coverage — additional $9.75/month

*Experian Credit Report with Personal Credit Score and Analysis

*Three Bureau Continuous Credit Monitoring

*idIntegrity Scan

*Enhanced Identity Theft Restoration

*NonCredit Restoration Searches

Features & Benefits

We safeguard your identity and actively help you fight back if it's ever stolen.

Avert Identity Crimes in Real-Time

Are your Social Security number, credit card numbers or other personal information appearing on the Internet? Our idINTEGRITYscan service is like having a 24/7 surveillance team that actively scans Internet directories, hacker chatrooms, and public and private databases to give you real-time updates. Simply complete our secure online registry, tell us what information you want monitored and idINTEGRITYscan does the rest. When your information is detected, you'll receive an e-mail alert within minutes. If the activity is suspicious, our Licensed Investigators are ready to help you take action.

Restore Your Credit, Regain Your Peace of Mind

Some companies' idea of restoration amounts to handing you a do-it-yourself kit. Not with ID TheftSmart™. We provide full-service restoration, which means our experienced, Licensed Investigators do the bulk of the work on your behalf. And since one, dedicated investigator is assigned to your case, you won’t have to explain your situation over and over again.

Correct More than Just Your Credit

Identity theft impacts more than just your credit — it can affect your driving record, employment history, criminal record and more. Your professional Licensed Investigator will perform non-credit-related searches and will work diligently to resolve disputes with local and national agencies and institutions such as the Department of Motor Vehicles, Social Security Administration, law enforcement personnel and more to restore your name to pre-theft status.

Monitor Your Credit 24/7

You'll be instantly notified by email when your credit file shows certain credit activity in your name that's commonly associated with identity theft, such as applying for a new credit card or loan, a change of address, etc. If the transaction isn't one you initiated, simply call ID TheftSmart toll-free and we'll immediately put you in touch with a Licensed Investigator to find out what’s happening and correct the problem. We'll even send you "no activity" notices when there's been no activity in your credit file, so you always know your credit is closely monitored.

Enjoy our 100% Satisfaction 30-Day Money Back Guarantee

Once you receive your ID TheftSmart kit, take up to 30 days to decide if you want to keep your coverage. If you decide to cancel, let us know within 30 days and receive a full refund. No questions asked.

Go With Industry Experts You Trust

Your identity is far too valuable to entrust to just anyone. ID TheftSmart is brought to you by Kroll Inc., the world's leading risk consulting company, and Marsh U.S. Consumer, a service of Seabury & Smith, Inc. We've offered enhanced identity restoration services since 1999, combining thousands of hours of experience counseling identity theft victims with exceptional customer service. What's more, we comply fully with the Fair Credit Reporting Act and other applicable regulations, and have established processes and procedures with credit repositories and government agencies.

Answers about the plan, including eligibility, options, enrollment, customer service and more.

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What is ID TheftSmart™?

ID TheftSmart provides comprehensive identity restoration in addition to continuous credit monitoring to safeguard your identity.

How does ID TheftSmart identity restoration work?

If you suspect you’ve become a victim of identity theft, simply call the toll-free number on your ID TheftSmart membership card. Our professional Licensed Investigators will do most of the difficult work needed to restore your name and credit to pre-theft status as accurately, completely, and quickly as possible.

You’ll be assigned a single Licensed Investigator for your entire case who will begin your identity theft restoration process. In order to receive the full benefit of enhanced identity theft restoration, you’ll be asked to sign and return a limited power of attorney that provides your investigator the legal rights to become your advocate and work on your behalf.

Why would I want to become an ID TheftSmart member?

In the past year alone, more than 9 million Americans were victims of identity theft. On average, each spent more than 175 hours and $1,800 to restore their name and financial standing. Attempting to resolve identity fraud issues on your own can be complicated and overwhelming, and it’s hard to know ALL the steps you need to take.

ID TheftSmart is the only identity theft service that provides full-service identity restoration in the event your identity is ever stolen. While others may hand you a do-it-yourself kit with phone numbers or information on how to issue a fraud alert, our Licensed Investigators do the bulk of the work for you, saving you countless hours of time and frustration — not to mention keeping your out-of-pocket costs to a minimum.

How do identity thieves steal my personal information?

Identity thieves access your personal information in a number of ways such as stealing mail, rummaging through trash, and stealing a wallet or purse—or even getting it via email or phone by posing as a legitimate company claiming there’s a problem with your account. Others access personal information you share on the Internet or steal private information directly from organizational and company databases.

How do they use the personal information they steal?

In most cases, the goal of identity theft is financial gain. It’s common for an identity thief to call a credit card company and ask that the mailing address be changed. They run up charges on the account, and then have the bill sent to another address. Another tactic is to take out a loan or open a new credit card or bank account using your name, date of birth, and Social Security number. In all cases, creditors think they’re dealing with you.

Still others may use your identity to gain employment, file for fraudulent health benefits, or commit other types of criminal activity.

How do I know if I’m a victim of identity theft?

The truth is, without continuous monitoring and vigilance, it’s not always easy to tell. In many instances, it can be years before people realize their identity has been stolen. The best way to learn of identity theft is to monitor your financial records and make sure they’re accurate. Obtaining updated credit reports and credit scores is also important. Unfortunately, today’s hectic schedules mean most people don’t invest the time to do this on a regular basis.

Does ID TheftSmart prevent identity theft?

No identity theft program or service can guarantee you’ll never be a victim of identity theft. What ID TheftSmart can deliver is continuous credit monitoring that alerts you as soon as there is questionable credit activity in your name, such as applying for a new credit card or loan, a change of address, etc. The earlier you discover suspicious activity, the less damage the identity thief can do. You’ll also receive an up-to-date credit report and credit score with detailed analysis at no extra charge.

What are non-credit searches and why are they important?

If your identity is ever stolen, the impact may be more far-reaching than you ever imagined — from unwelcome additions to your driving record to criminal activity conducted in your name. Most victims of identity theft have no idea these things are even occurring, let alone how to go about getting them corrected.

As part of our restoration services, ID TheftSmart searches applicable local and national databases, including sources known primarily to the investigative community, on your behalf. We then work with the affected agencies and institutions to help correct all credit and non-credit issues related to identity theft.

How long does identity restoration take?

Identity restoration can take anywhere from a few months to a year or more, depending on how extensive the identity fraud is and how in-depth our investigators must go to get it corrected. Your case isn’t closed until your restoration is complete to your satisfaction and we receive verification that your issue is resolved.

Does ID TheftSmart identity restoration cost extra?

No. Identity theft restoration services are available at no additional charge for all ID TheftSmart members in good standing.

If you are not currently an ID TheftSmart member and would like our assistance resolving your identity theft issue, our restoration services are available to you for a one-time $1,500 restoration fee.

We're here to help! Please contact us in whatever manner is most convenient for you.

Program Administrator
Title:	ASME Insurance Program Administrator
Address:	Marsh U.S. Consumer
	12421 Meredith Drive
	Urbandale , IA 50398
Phone:	1-800-882-6063
Email:	idtheftsmart@marshpm.com
Hours:	8:00 a.m. to 5:00 p.m. M-F (Central)
Website:	http://www.personal-plans.com/product/marsh/