Plan Ahead to Prevent Identity Theft | Elements Financial

Plan Ahead to Prevent Identity Theft

Are you concerned about being a target of Identity Theft? Don't let identity thieves win — aim for the best solution!

What is Identity Theft?
According to the United States Department of Justice, the term identity theft refers to “all types of crime in which someone wrongfully obtains and uses another person’s personal data in some way that involves fraud or deception…” Identity theft is the fastest-growing crime in the United States, affecting one out of every 14 Americans annually. It can happen to anyone — regardless of how careful you are, regardless of your age and income, and regardless of where you live. Victims of identity theft can experience problems with their credit, their finances, their employment, and even their personal assets. Trying to restore your identity on your own can be time-consuming, stressful and expensive — sometimes costing thousands of dollars.

We Are Here to Help
We have partnered with one of the nation’s most trusted names in the identity theft industry to bring you Fraud-Defender. With three levels of coverage available to you and your family, you can rest assured that your identity is proactively protected.

Elements Financial understands the risk and impact of identity fraud and we want to provide only the highest quality identity fraud services to our valued members. We are pleased to bring you a proactive identity theft prevention solution.

Don’t wait until you become a victim to take action. Choose a package below and begin protecting your identity now. Family coverage includes benefits for the primary plan member plus one additional adult in the household.

FeaturesPackage 1Package 2Package 3
Fully-Managed Recovery X X X
Lost Document Replacement X X X
One Bureau Credit Monitoring X X  
One Bureau Credit Report & Score   X  
Three Bureau Credit Monitoring     X
Credential Vault     X
$25,000 Expense Reimbursement $1M $1M $1M
ID Monitoring — Public Records     X
Internet Black Market Monitoring X X X
Monthly Retail Individual Plan $2.95 $6.95 $12.95
Monthly Retail Family Plan $5.80 $13.70 $24.90

Professional Recovery Team
If your identity is compromised you’ll be assigned a Recovery Advocate who will, as needed based on the fraud event:

  • Place fraud alerts at the major credit bureaus
  • Review credit reports to identify the extent of fraudulent activity
  • Remediate all fraudulent transactions, false accounts and/or contracts signed with creditors, banks, utility companies, leasing agents, medical facilities, etc.
  • Support local and federal law enforcement as they work to stop the criminal(s) using your identity
  • Provide follow-up for 12 months after identity restoration to make sure no other problems surface
  • Provide 12 months of one bureau credit monitoring at no charge

With your Recovery Advocate working on your behalf, you have the peace of mind in knowing that a professional identity fraud recovery expert is completely handling your recovery case.

Family Coverage
Fully Managed Identity Fraud Recovery services automatically extend to cover three generations of your family (3G). This includes:

  • Your spouse or domestic partner
  • Your dependents under age 25 with the same permanent address
  • IRS-qualified dependents
  • Your parents living with you or in elder care (nursing home, assisted living, or hospice)

All 3G family members are covered for a full 12 months after death as well — an important benefit as identity thieves are increasingly targeting deceased individuals.

Fraud-Defender provides the reassurance that when identity fraud strikes, a professional is standing by ready to work on your behalf to restore your good name — no matter how long it takes.

The Time is Now
It’s time to start thinking of your identity as a tangible asset. You would protect your car or home with an alarm to alert you of potential theft, yet your identity is significantly more vulnerable.

To enroll, visit the Fraud-Defender program website.