Is there an additional cost for this insurance?

No! The INVISUS Direct Personal Identity Theft Insurance is included at no additional cost to all current subscribers of the INVISUS PC Security Service.
 

Can I buy the insurance separately?

No. The Identity Theft Insurance is included as a part of the INVISUS PC Security Service through the INVISUS Direct’s Master Policy and is not available to be purchased separately.
 

Who is covered by the policy?

Each subscriber to the INVISUS PC Security Service is automatically covered by INVISUS Direct’s Master Insurance Policy. If your name is on the company records as the primary subscriber to the INVISUS Direct service, you are automatically insured. You may add your spouse to your account so they are covered by the insurance policy as well.
 

What does the $25,000 insurance policy cover?

Identity theft victims are reimbursed up to $25,000 (with no deductible) for certain expenses incurred during the recovery of your identity during INVISUS Direct’s annual policy period – including identity restoration costs, legal defense expenses and lost wages. The policy also provides you with comprehensive identity recovery services.
 

With 2 people covered by the insurance, is it a $50,000 policy?

INVISUS Direct subscribers and their spouses are protected with the insurance policy. Each person is covered individually for up to $25,000 of financial relief. For 2 people, that’s a total benefit of $50,000, but limited to a maximum of $25,000 each.
 

Are financial losses (like money stolen from a checking account) covered?

No. In most cases, banks, credit card companies, and other financial institutions provide that limited loss protection - typically limiting a consumer's financial loss to $50 on individual accounts. But you must report discrepancies promptly and generally be able to show wrongdoing. Personal identity theft insurance only provides financial relief for expenses incurred during personal identity restoration.
 

Is my business covered by this policy?

No. This is a personal identity theft insurance policy and does not apply to business or commercial fraud or identity theft.
 

Are there any geographic restrictions?

This insurance is currently not available to subscribers outside the United States or to residents of New York, and may not be available in other jurisdictions.
 

Am I covered for events that occurred before I became an INVISUS Direct subscriber?

You will only be covered if a stolen identity event first occurs while you are a current INVISUS Direct customer and is reported within 6 months of the stolen identity event.
 

What is a stolen identity event?

A stolen identity event is the theft of your personal identification, social security number, or other method of identifying you, which has resulted in the wrongful use of that information, including but not limited to stolen identity events occurring on or arising out of your use of the Internet. A stolen identity event does not include the theft or unauthorized or illegal use of your business name, d/b/a, or any other method of identifying your business activity.
 

Do I have to report a stolen identity event immediately?

The policy provides benefits to you only if you report a stolen identity event as soon as you become aware of a stolen identity event, but no later than six (6) months after the stolen identity event occurs, and you follow the instructions given to you in a claims kits that you will be provided.
 

If my INVISUS Direct subscription is past due, am I still covered by the policy?

Any subscriber account that is more than 30 days past due is in a suspended status. Suspended subscriber accounts lose the Personal Identity Theft Insurance benefit. When a suspended account is made current, the insurance policy is again in effect.

Who do I call with other general questions?

For general questions about the insurance policy please contact AIG at 866-826-4974.

How do I file a claim?

Simply call the AIG 24/7 Identity Theft Hotline (1-866-434-3572) and an identity theft specialist will take care of you. You will provide AIG with the INVISUS Direct Master Policy Number that all INVISUS Direct subscribers receive. If you do not have a record of the INVISUS Direct Master Policy Number, please contact customer service at INVISUS Direct at 801-724-6211.

*Insurance underwritten by member companies of American International Group, Inc. The description herein is a summary only. It does not include all terms, conditions and exclusions of the policies described. For questions about coverage, please contact idtheft@aig.com or call 1-866-826-4974. Coverage not available to residents of New York and may not be available in other jurisdictions.

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