Throughout this COI, You and Your refer to the person who is a member in the Membership Program. Membership must not have expired or been canceled by You or LifeLock. We, Us, Our and State National refer to State National Insurance Company, Inc. In addition, when in bold, certain words and phrases are defined as follows:
Administrator means cynoSure Financial, Inc. Administrator has been retained to adjust all claims that are covered under the Master Policy. You may contact LifeLock at 1-800-LIFELOCK (1-800-543-3562) or Administrator if You have questions regarding this COI or would like to make a claim. Administrator can be reached by phone at 1-855-552-8999, by mail at P.O. Box 7691, St. Clair Shores, MI 48080, or by email at email@example.com.
Certificate of Insurance or COI means this document. The COI describes the terms, conditions and exclusions of coverage under the Master Policy. The COI is the entire agreement between You and Us. Representations or promises made by anyone that are not contained in this COI are not a part of Your coverage.
Commencement Date means the date on which You become covered under the Master Policy, which shall be the later of March 31, 2015 or the date on which You become enrolled in a LifeLock Membership Program.
Coverage Period means the period starting on the Commencement Date and will continue as long as you are enrolled in a Membership Program with LifeLock.
Loss means any of the coverages provided under the Master Policy and described in Section B of this COI below.
Membership Program means those plans and programs offered by LifeLock to its Members both presently and in the future, including without limitation: LifeLock® Advantage®, LifeLock Ultimate Plus® and LifeLock Benefit Elite®.
Stolen Identity Event means an occurrence after the Commencement Date and before the Termination Date which includes a single act or a series of related acts, whether committed by one or more persons, of theft of the personal information of an Insured or Minor Member, including without limitation, the Insured’s or Minor Member’s personal identification, social security number, or other method of identifying the Insured or Minor Member, or one or more uses of such stolen information to establish or use a deposit, credit or other Account, secure a loan, secure or obtain a tax refund from the Internal Revenue Service or the taxing authority of a U.S. state through the filing of a fraudulent tax return, enter into a contract or commit a crime. Stolen Identity Event shall not include the fraudulent use of an Insured’s business name, or any other method of identifying any Business activity of an Insured.
Stolen Funds Loss means the principal amount, exclusive of interest and fees, incurred by the Insured and caused by an Unauthorized Funds Transfer. Stolen Funds Loss shall not include any amount for which the Insured received reimbursement from any other source, any amount for which the Insured did not seek reimbursement from the financial or credit institution which holds the Account from which the funds were stolen, any amount for which the Insured is eligible to receive reimbursement from any other source or any amount for which the Insured would have been eligible to receive reimbursement from any other source or any amount for which the Insured would have been eligible to receive reimbursement from any other source but for the existence of the Insured’s coverage under this Policy. For purposes of fraudulent tax refunds, Stolen Funds Loss shall not include any amount for which the Insured did not seek reimbursement from the U.S. Internal Revenue Service or the taxing authority of any state in the United States of America or the District of Columbia.
Termination Date means the earlier of the date You cease to be enrolled in a LifeLock Membership Program or the date the Master Policy is cancelled or terminated.
Unauthorized Funds Transfer means a transfer of funds from an Insured’s account initiated by a person other than the Insured without the actual authority to initiate the transfer and from which the Insured receives no benefit. An Unauthorized Funds Transfer shall also include a Funds Transfer that consists of a tax refund obtained or secured by the filing of a fraudulent tax return with the Internal Revenue Service or the taxing authority of a U.S. state. An Unauthorized Funds Transfer does not include: an electronic funds transfer initiated: (i) by a person who was furnished with an Access Device to the Insured’s Account, unless the Insured has notified the Financial Institution holding the Account that such person is no longer authorized to access the Account, (ii) with fraudulent intent by the Insured or any person acting in concert with the Insured, (iii) or by a Financial Institution or its employee(s).
B. COVERED LOSSES
LifeLock members will be eligible to receive the maximum benefits for the covered Losses listed under the specific LifeLock Membership Program for which they have subscribed.
The chart below identifies the benefit limits available for each type of Loss covered under the Master Policy for each Membership Program offered by LifeLock. You will be eligible to receive benefits up to the maximum benefits for the covered Losses listed under the specific LifeLock Membership Program for which you have subscribed.
*Fraudulent Withdrawals coverage does not include 401(K) Accounts.
** Fraudulent Withdrawals coverage includes 401(K) Accounts.
C. CONDITIONS FOR COVERAGE
We will either reimburse you for or pay for, as appropriate, any Losses resulting from a Stolen Identity Event that occur during the Coverage Period and are reported by You no later than 90 days after you discover that a Stolen Identity Event has occurred. In addition, if You have suffered a Stolen Funds Loss, You must notify the bank or card issuer in strict accordance with its terms and conditions and take any and all reasonable steps to attempt to mitigate Your Losses.
This COI is not transferable to another person or entity without Our written consent except in the case of Your death or incapacity, at which point Your rights and duties under this COI will transfer to Your legal representative.
Coverage under the Master Policy and this COI does not apply to Losses suffered in the following circumstances:
- any Loss not listed in Section B of this COI
- Loss resulting from any dishonest, criminal, malicious or fraudulent acts if You willingly participated in or directed such acts
- Loss resulting from bodily injury, including mental anguish or mental injury and required care, loss of services or death
- Loss resulting from war or any act or condition incident to war
- Loss resulting from certain acts of terrorism, as explained in the Master Policy
- Loss resulting from contract frustration business, failure to deliver or delay in delivery or supply of property, or any form of financial guarantee or credit indemnity
- Loss resulting from a Stolen Identity Event that is not reported to Us within 90 days after it is discovered by You
- Loss related to any business activity of Yours or from any account you use for business purposes
- Loss resulting from or arising out of the destruction, confiscation or seizure by order of any government or public authority
- Loss resulting from the voluntary disclosure of any code or other security information that can be used to gain access to any of your accounts to someone who subsequently contributes to a Stolen Identity Event, but not if such disclosure was when made when You were under duress or the victim of fraud
E. WHAT TO DO IF YOU ARE THE VICTIM OF A STOLEN IDENTITY EVENT
If you are the victim of a Stolen Identity Event, call LifeLock at 1-800-LifeLock (1-800-543-3562). LifeLock will take some basic information from You and put You in contact with Administrator, who will provide you with additional information and provide you with a claims kit.
F. HOW TO FILE A CLAIM
If You are the victim of a Stolen Identity Event, call LifeLock at 1-800-LifeLock (1-800-543-3562) for assistance. LifeLock will assist you in contacting Administrator who will obtain additional information from you and provide you with a claims kit. As part of the claims kit, You must provide Administrator with the following documents:
- A fully completed and signed claim form
- A copy of the complaint you filed with the Federal Trade Commission
- A copy of any police report(s) you filed reporting the Stolen Identity Event
- Copies of all receipts, bills and other records that support the Losses You have incurred
- Any and all additional documents or information Administrator may request to validate a claim.