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Business and Data
Breach Protection Plan

Limited Protection

Many plans offering ID Theft protection highlight their million dollar guarantee and create a false sense of security for their members. In reality, no plan can completely prevent or eliminate identity theft from occurring. Knowing this, plans place restrictive language in their guarantees, which reduce the true value of the protection.

Requires Fault & Defect to Activate

A careful look at these “guarantees” is necessary to clearly see the limited protection being provided. The main limitation is that the protection is only activated through the “fault or defect of the service” being provided. Most of these plans focus strictly on credit related identity theft which represents less then 50% of all ID Theft occurrences. Non-Financial Fraud, which includes Social Security and Benefit Fraud, Medical ID Theft, Employment Fraud, Criminal Fraud and numerous other activities, are all non-financial types of ID Theft and do not fall under the “fault or defect” clause in the guarantee.

No Reimbursements

Many people often confuse the million dollar guarantees with benefits they would receive if they become a victim. No money is ever paid directly to the member/victim. These guarantees clearly state that payments made will be on your behalf to provide remediation services to restore your identity if through the ”fault or defect” of their product. These guarantees do not cover any direct losses as a result of the theft, including repayment of monies stolen from accounts, reimbursement to vendors victimized by the identity theft, or any direct out of pocket expenses incurred by the victim such as lost wages, transportation costs, long distance, postage, and overnight fee’s, etc.

In the end, these guarantees provide limited protection against the growing threat of identity theft, requires the “fault and defect” of their service to activate the guarantee, and does not reimburse for expenses incurred by the member/victim.

Our three-step approach integrates effective prevention measures, unlimited restoration services, and expense reimbursement protection providing the most comprehensive and affordable plan available. That’s why Dave Ramsey recommends it!