…Protection

  • Accidental Death and Dismemberment Insurance
    Program members perceive this benefit as an important addition to their personal insurance portfolio. Since no underwriting is involved, no application is required and no one will be turned down due to health.
  • Card PatrolSM*
    Provides members with proactive, cutting-edge Internet surveillance technology designed to help prevent identity theft and fraud from occurring. Program members have access to real-time, online monitoring of exposed debit/credit card numbers to help prevent fraudulent charges before they occur. Members can register up to 10 cards and receive an instant e-notification of suspicious activity associated with those registered card numbers. Members will also receive assistance in the event they feel identity theft has occurred.

    *Card Patrol ℠ monitors up to ten registered credit/debit cards and your Social Security number on the Internet, based on an extensive search of directories and Internet chat rooms; however, it is impossible to ensure that all directories and Internet chat rooms have been searched for your personal information. Accordingly, your monitoring alert reports may not contain or apprise you of all your personal information that is publicly available or that may have been compromised.

  • Common Carrier Insurance
    Program members perceive this benefit as an important addition to their personal insurance portfolio. No underwriting is involved, so no application is required and no one will be turned down due to health.
  • Credit Alert®*
    A daily, one-bureau Credit Monitoring Service that notifies members whenever an inquiry is made into their credit history or certain negative information is added to their Credit Report.  If there are no changes to the members’ credit file they receive a quarterly ‘No Activity/All Clear’ notice.

    *Daily monitoring will notify you of certain new inquiries and derogatory information, accounts, public records, or change of address that have been added to your credit reports as reported by Experian. If no information has been added or changed, then you will receive a quarterly notification stating that no information has changed within your credit file.

  • Credit Report with Credit Score Compiled by CreditXpert®*
    Get a full picture of your credit strength from your Credit Report with CreditXpert® ScoreTM from one of the major credit reporting agencies. Your CreditXpert® Score, although different from the score lenders use, is intended to reflect common credit scoring practices. It is designed for educational purposes to help you understand your credit. Combined, your credit report and credit score could provide a valuable picture of your overall credit standing and can help you to identify critical errors in your personal financial data.

    *Your CreditXpert® Score™ is provided by CreditXpert Inc. Although this score is not used by lenders to evaluate your credit, it is intended to reflect common credit scoring practices and is designed to help you understand your credit. Your score is based on information from the files at Experian. Your scores may not be identical or similar to scores you receive directly from Experian or from other sources.
    Affinion Benefits Group, the provider of the Credit Report and Score service, or its credit information subcontractors shall not have any liability for the accuracy of the information contained in the credit report or credit score which you receive, including any liability for damages, direct or indirect, consequential or incidental. The service is not a credit counseling or repair service and does not promise to help you obtain a loan or improve your credit record, history, or rating.
    * Your rights under the Fair Credit Reporting Act (FCRA). Under the FCRA, you have the right to request a free credit report once every twelve months from each of the nationwide consumer reporting agencies. You can request your report from each reporting agency at the same time, or at separate times, in three ways. Go to http://www.annualcreditreport.com and either complete the order form online, or print out and complete the Annual Credit Report Request form and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Or call toll-free 1-877-322-8228 and request a report.

    Your rights under the Fair Credit Reporting Act (FCRA). Under the FCRA, you have the right to request a free credit report once every twelve months from each of the nationwide consumer reporting agencies. You can request your report from each reporting agency at the same time, or at separate times, in three ways. Go to http://www.annualcreditreport.com and either complete the order form online, or print out and complete the Annual Credit Report Request form and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Or call toll-free 1-877-322-8228 and request a report.

  • Document and Personal Property Registry
    Program members will take comfort knowing they have registered their important documents and personal property, in one place at one time. If their documents or property are ever lost, stolen or destroyed, they simply call one toll-free number to receive all the information they need to have their documents replaced or insurance claims filed. They can register documents such as birth certificates, passports, and insurance policies. They can register personal property such as major appliances, computers and electronic equipment.
  • Fraud Assist Toolbox
    This convenient, online tool helps streamline the identity theft prevention and recovery process. Members receive information on how to set fraud alerts, stop pre-approved credit offers, and stop unwanted telemarketing calls. In the event a member feels he/she has become a victim of identity theft, the online guide will provide step-by-step instructions for resolving the issues.
  • Identity Fraud Support Service
    Our Identity Fraud Support Service provides program members with access to a highly-trained team of FCRA-certified specialists who are ready to provide assistance when a member has been a victim of identity theft. Victims are assigned a dedicated caseworker who provides them with a Personalized Fraud Resolution Kit and guides them through the recovery process. The kit contains a comprehensive assembly of contact information, procedures for resolution, and preventative tips for avoiding future identity theft as well as personalized letters.
  • Identity Theft Insurance*
    For victims of identity theft, it can be time-consuming and costly. You have access to financial compensation for qualified expenses incurred in the recovery of your stolen identity.

    *The Identity Theft Insurance is underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (collectively, the “Company”) under group policy # 7077733 for non-New York State Insureds and # 1423212 for New York State Insureds. The Benefit Summary under the master policy issued by the Company with respect to such insurance will be available to you upon enrollment in the program. The summary of policy benefits, terms, conditions, exclusions, and limits of coverage set forth in the Benefit Summary are subject to the terms of the master policy. Availability of coverage is subject to underwriting qualifications and state laws and regulations. Coverage is subject to actual policy language.

  • ID Network Safety Service
    Program members can register themselves or a loved one with this Safety Service and receive a durable plastic ID card with photo, name, birth date, physical description and a special member number for each person registered.  Should a crisis arise, members call the toll-free number on the card and the Safety Service will fax a high-resolution, digitized photo and description of the registered person anywhere they specify including supporting law enforcement agencies. Members will receive an annual reminder to update their Safety Service card.
  • Medical Emergency Data Card
    Program members will appreciate the security offered by this convenient-to-carry plastic card. The card provides the vital personal and medical information health professionals need to make treatment decisions in a crisis situation. One free plastic card is offered annually per individual account, or two free cards annually per joint account. Additional cards are available for a nominal charge.
  • MyIDMattersSM
    Program members can keep up to date on important identity theft-related issues with MyIDMatters.net. This educational Web site is designed to keep members informed of topics associated with personal identity and security fraud. They will learn tips to stay protected from the latest fraud scams, trends, and tactics and also have the opportunity to sign up to receive e-newsletters with additional news and information.
  • Payment Card Protection
    Program members can register for this important card protection service. Protection begins the moment the member’s completed registration form is received. In the event of card loss, program members make one telephone call to our toll free emergency number; their credit, debit and ATM card companies will be notified immediately. Special fraud liability protection covers fraud liability for which the member may be held responsible. Emergency cash and airline tickets for travelers are also included in the service (some restrictions may apply).
  • Triple-Bureau Credit Alert*
    Program members can minimize the damage to their credit with this 24-hour, triple-bureau, daily credit monitoring service. They’ll be alerted automatically of certain changes to their credit – such as new accounts opened, credit inquiries, certain derogatory data (late payments and accounts sent to collection), change of address or changes to their existing accounts. If there are no changes to their credit, they’ll even receive a quarterly notification letting them know that nothing has changed.

    *Daily monitoring will notify you of certain new inquiries and derogatory information, accounts, public records, or change of address that have been added to your credit reports as reported by any of the three major credit reporting agencies. If no information has been added or changed, then you will receive a quarterly notification stating that no information has changed within your credit file.

  • Triple-Bureau Credit Report
    With Triple-Bureau Credit Reports program members will receive up-to-date credit reports and credit scores from all three major credit reporting agencies – Experian, Equifax and TransUnion. Combined, the credit report and credit score provide a valuable picture of a member’s overall credit standing and help identify critical errors in their personal financial data.
    Affinion Benefits Group, the provider of the Credit Report and Score service, or its credit information subcontractors shall not have any liability for the accuracy of the information contained in the credit reports or credit scores which you receive, including any liability for damages, direct or indirect, consequential or incidental. The service is not a credit counseling or repair service and does not promise to help you obtain a loan or improve your credit record, history, or rating.

Please contact your financial institution for benefit availability.