Summary of Benefits for Identity Theft Insurance

This Summary is an overview of the identity theft insurance benefits you are entitled to as a member of LifeLock. Members who are enrolled in LifeLock Credit Score Manager™ only are not eligible for these identity theft insurance benefits. This Summary does not state all the terms, conditions, and exclusions of the Master Policy. Your benefits will be subject to all of the terms, conditions and exclusions of the Master Policy, even if they are not mentioned in this Summary. A complete copy of the Master Policy can be accessed by clicking here.

Definitions

The definitions of capitalized terms that are used, but not defined, in this Summary can be found in the Master Policy here.

Filing a Claim

If you believe you have been a victim of identity theft, call 1-800-LifeLock and ask to speak with a Resolution Specialist.

Benefits and Limits

If you have been a victim of a Stolen Identity Event as indicated by this Policy, the following coverages are provided:

A. Replacement of Documents. Your actual cost of replacing documents as a result of a Stolen Identity Event including, but not limited to, driver's licenses, passports, birth certificates, marriage certificates and stock certificates, including the cost of additional legal expenses such as affidavits required in connection with obtaining a replacement document. Up to $2,000.00 for each Stolen Identity Event.

B. Traveling Expenses. The reasonable additional expenses including, but not limited to, gas, parking, and airline tickets incurred by you or by your authorized representative, holding a power of attorney or guardianship appointment to act on your behalf, in traveling to obtain replacement documents, to attend government departments or legal representatives, or to rectify records in connection therewith as a result of a Stolen Identity Event. Up to $2,500.00 for each Stolen Identity Event.

C. Loss of Income. Actual lost income that would have been earned in the United States, whether partial or whole days, for time reasonably and necessarily taken off work and away from the work premises for you or your authorized representative, holding a power of attorney or guardianship appointment to act on behalf of you, solely as a result of efforts of you or your authorized representative to amend or rectify records relating to your true name or identity as a result of a Stolen Identity Event. Actual lost wages include remuneration for vacation days, discretionary days, floating holidays, and paid personal days but not for sick days or any cost arising from time taken from self-employment. Coverage is limited to wages lost within 6 months after your discovery of a Stolen Identity Event. Up to $200.00 per day, for a maximum benefit period of one month, but not to exceed $6,000.00 for any one Stolen Identity Event.

D. Childcare and Elderly Care. The cost to you or your authorized representative, holding a power of attorney or guardianship appointment to act on your behalf, of providing additional childcare or care of elderly relatives for which you or your authorized representative holding a power of attorney or guardianship appointment to act on your behalf is directly responsible while having to travel to replace documents, attend government departments or legal representatives, or rectify records as a result of a Stolen Identity Event. Up to $200.00 per day, for a maximum benefit period of one month, but not to exceed $6,000.00 for any one Stolen Identity Event.

E. Fraudulent Withdrawals from a Bank, Credit Card, or Brokerage Account. The cost to you of a Stolen Funds Loss as a direct result of a Stolen Identity Event. Up to $10,000.00 for all fraudulent withdrawals resulting from a Stolen Identity Event.

F. Legal Costs, Remediation Service Costs and Case Management Service Costs. Up to a total of $1,000,000.00 for any one Stolen Identity Event for the following:

  • Legal Costs. The amount of reasonable and necessary expenses paid to lawyers and other third party legal professionals, retained by LifeLock on behalf of you or your legal representative to represent you or your legal representative, and incurred in connection with remediating a Stolen Identity Event, including the defense of a Suit brought against you, the removal of any civil judgment wrongfully entered against you, legal assistance at an audit or hearing conducted by a governmental agency, legal assistance in challenging the accuracy of your consumer credit report, and the defense of any criminal charges brought against you arising from the actions of a third party using your personal identity.
  • Remediation Service Costs. The amount of reasonable and necessary expenses paid to investigators and other third-party business providers that are retained by LifeLock and involved in any services that are reasonably necessary, viewed in the context of LifeLock's business and Membership Programs, to restore your good name and identity, or to recover your Losses in accordance with any Membership Program.
  • Case Management Service Costs. The amount of reasonable and necessary expenses paid to a third-party case management service provider retained as a result of a Stolen Identity Event.

Obligations, Conditions and Exclusions

In order to be covered by the Master Policy, you must comply with certain obligations and conditions including, without limitation, the following:

  • You shall promptly notify the major credit bureaus, the Federal Trade Commission's Identity Theft Hotline, and appropriate law enforcement agencies.
  • You shall promptly, but no later than 90 days after you discover that a Stolen Identity Event has occurred, notify LifeLock.
  • You shall notify the bank or card issuer in strict accordance with the bank's or credit card issuer's terms and conditions following the occurrence of an Unauthorized Fund Transfer.
  • You shall take all reasonable steps to mitigate any Loss resulting from a Stolen Identity Event including, but not limited to, requesting a waiver for any applicable fees, loan application fees or credit bureau fees.
  • You shall provide all assistance and cooperation required in the investigation and determination of any Loss.

Certain exclusions apply. See Master Policy here. These exclusions include, without limitation, the following:

  • Any Loss arising from your dishonest, criminal, malicious, or fraudulent acts;
  • Any Loss arising from your voluntary disclosure of any code or other security information which was used to gain access to your Account;
  • Any Loss not reported within 90 days after it is first discovered by you; and
  • Any Loss arising from any Business activity.

Please see the Master Policy for additional details relating to these obligations, conditions and exclusions.

Deductible

The benefits provided by the Master Policy are not subject to a deductible.

This Summary does not state all the terms, conditions, and exclusions of the Master Policy, Your benefits will be subject to all of the terms, conditions and exclusions of the Master Policy, even if they are not mentioned in this Summary. A complete copy of the Master Policy can be accessed by clicking here.