Identity Services and Fraud Expense Coverage Questions:
What does the coverage entail, and what exactly is “different” about it?
What types of expenses are included in the expense reimbursement portion of the coverage?
Does my policy qualify for this coverage?
How much does the coverage cost?
How can I get the coverage on my qualifying policy?
I don’t have a username and password on FBFS.com. How do I register for account access?
Credit Monitoring Service Questions:
How does the Credit Monitoring work?
How can I get credit monitoring?
I signed up for Identity Services and Fraud Expense Coverage on FBFS.com. Where is the link to get my complimentary credit monitoring?
How do I sign up for Credit Monitoring on the Web site?
I have already registered for account access. How do I sign up for credit monitoring on the Web site?
I didn’t receive an e-mail containing my activation code within 24 hours. Who do I call?
I want to sign someone else up for credit monitoring. Where did the link go?
I don’t have e-mail. How can I sign up for the credit monitoring service?
General Questions:
What is the relationship between Identity Theft 911 and Identity Guard?
Who should I call with general questions about identity fraud?
Who should I call with questions about my coverage under the Identity Services and Fraud Expense Coverage?
I’d like to learn more about identity theft, in general. Where can I look?
How does Identity Services and Fraud Expense Coverage work?
Is Identity Services and Fraud Expense Coverage a new coverage?
Who is the Restoration service provider?
Who is Identity Theft 911®?
Identity Services and Fraud Expense Coverage Questions:
What does the coverage entail, and what exactly is “different” about it?
We understand that quick discovery and rapid response are critical to minimize the risk of identity theft. That’s why we provide more than just expense reimbursement. We provide the most robust and fully integrated protection program in the market place, combining the best of insurance coverage with fully integrated prevention and restoration services. Identity Services and Fraud Expense Coverage consists of the following program components:
•$25,000 FBFS Expense Reimbursement Coverage
•Identity Prevention Services, including complimentary fraud alert assistance, weekly news alerts and a wealth of education
•1 year of Identity Credit Monitoring Services(SM) (up to two per household)
•Personalized one-on-one Identity Theft Resolution
•Personalized one-on-one Identity Document Recovery
What types of expenses are included in the expense reimbursement portion of the coverage?
You’ll receive up to $25,000 reimbursement for the following expenses:
•Attorney fees
•Loss of wages (limited to $250 per day up to $5000)
•Dependent/elder care (subject to loss of wages limit)
•Mail costs
•Phone/long distance costs
•Notarization costs
•Loan application fees
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Does my policy qualify for this coverage?
If you have a Farm Bureau Member’s Choice policy with property and/or liability coverage, you may purchase the coverage for just $25 per year. If you have auto coverage only, your policy does not qualify at this time.
How much does the coverage cost?
The cost is $25 per year.
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How can I get the coverage on my qualifying policy?
1. Call your agent and they can add the coverage to your policy, or
2. Fill out and return the bottom portion of the flyer included with your policy renewal documentation, or
3. You can go to www.FBFS.com and sign up online. If you choose this option, you will need to:
•Enter your username and password to gain access to the secured policy owner section of the Web site (called My Account Page).
•The option to purchase the coverage will appear on the right-hand side of the My Account Page.
•Click on the “Add Identity Services” link and you’ll go to a page that provides more details about the coverage if you want to learn more about it. On the right side of that page is a list of your qualifying policy(s). Simply click on the policy number on which you’d like to add the coverage. You’ll be asked to confirm your request. If you click “Yes,” the coverage will be added.
•It can take up to two business days for the coverage to appear on your policy. At that time, you will be mailed an updated declaration page reflecting the addition of the coverage on your policy.
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I don’t have a username and password on FBFS.com. How do I register for account access?
•Go to www.FBFS.com and click on "Account Registration" on the home page of the site.
•Complete the form and establish your user ID and password. Make sure you use information for the owner / first named insured when filling out the form.
•Wait for an e-mail with a 4-digit activation code. You should receive the code via e-mail within a couple minutes.
•Enter your 4-digit activation code. This will allow you to view your policy(s).
•At that point, if you have a qualifying policy, the option to purchase or learn more about the coverage will appear on the right side of the page.
Note: If you have difficulty signing up for Identity Services and Fraud Expense Coverage, please call a customer service representative at 1-800-814-5570 M – F 8:00 a.m. – 4:30 p.m. CST.
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Credit Monitoring Service Questions:
How does the Credit Monitoring work?
With your current Identity Services and Fraud Expense Coverage, you are entitled to receive one year of complimentary credit monitoring provided by Identity Theft 911®. Should you discover any fraudulent activity on your credit file, a fraud specialist is on stand-by to resolve any issues. The monitoring program looks for credit score inquiries, requests for new credit, and other activity affecting your credit files, notifying you immediately via e-mail of any changes. Detect fraudulent activity as soon as it appears, and then counteract it with professional assistance. The monitoring program will remain in effect for one year. A reminder to re-enroll will be sent to you annually with your policy renewal documents, as long as you maintain the Identity Services and Fraud Expense Coverage on your policy.
Note: You cannot sign up for credit monitoring until the coverage has been added to your policy. If you request the coverage online, it may take two business days before the coverage is added. At that time, you will be eligible to sign up for one year of complimentary credit monitoring.
How can I get credit monitoring?
You must go to www.FBFS.com to sign up for the one year of complimentary credit monitoring.
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I signed up for Identity Services and Fraud Expense Coverage on FBFS.com. Where is the link to get my complimentary credit monitoring?
If you signed up for the coverage online, it may take up to two business days for the coverage to be added to your policy. At that time, you will find a link “Add Credit Monitoring” next to your eligible policy(s) on the My Account Page. (You’ll find that page after you’ve logged in to FBFS.com with your username and password). If you have difficulty with that step, please call a customer service representative at 1-800-814-5570 M – F 8:00 a.m. – 4:30 p.m. CST.
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How do I sign up for Credit Monitoring on the Web site?
Once you have the Identity Theft Services and Fraud Expense Coverage on your Farm Bureau Member’s Choice policy, you will receive instructions with your updated declaration page that explains how to get started. The first step is to register an account on www.FBFS.com.
To register an account on www.FBFS.com:
•Go to www.FBFS.com and click on "Account Registration" on the home page of the site.
•Complete the form and establish your user ID and password. Make sure you use information for the owner / first named insured.
•Wait for an e-mail with a 4-digit activation code - you should receive the code within a couple minutes.
•Log into site and enter your 4-digit activation code. This will allow you to view your policy(s).
•Click on the "Add Credit Monitoring" link next to the Member's Choice policy(s) that appears on the My Account page.
•Choose how many credit monitoring codes you desire (limit two per household).
Note: Once you have enrolled for credit monitoring, you will not be able to obtain additional codes until the following year when it is time to renew your enrollment. If you would like two credit monitoring codes, you must sign up for both at the same time. If you’d like credit monitoring for additional people, you will need to purchase that service from a credit monitoring service provider. Identity Guard is one possible source for purchasing this service.
•Choose the name of the person(s) you would like to receive the monitoring service, then click “Submit.”
•An e-mail will be generated in about 24 hours from Identity Theft 911. It will contain your credit monitoring activation code, along with instructions to sign up.
Note: One e-mail will be generated per code. If two people in a household wish to receive credit monitoring, you will receive separate e-mail(s) with the other code(s).
•Follow the step-by-step instructions, entering the credit monitoring code, along with additional information, in the Identity Guard website.
•Upon completion, your complimentary credit monitoring will be active for one year. You will need to sign up again in a year to continue the service.
Note: If you have difficulty signing up for your credit monitoring service, please call a customer service representative at 1-800-814-5570 M – F 8:00 a.m. – 4:30 p.m. CST.
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I have already registered for account access. How do I sign up for credit monitoring on the Web site?
To receive one year of complimentary credit monitoring, follow these simple steps:
•Log into the site using your username and password
•Click on the "Add Credit Monitoring" link next to the Member's Choice policy(s) that appears on your Account page.
•Choose how many credit monitoring codes you desire (limit two per household).
Note: Once you have enrolled for credit monitoring, you will not be able to obtain additional codes until the following year when it is time to renew your enrollment. If you would like two credit monitoring codes, you must sign up for both at the same time. If you’d like credit monitoring for additional people, you will need to purchase that service from a credit monitoring service provider. Identity Guard is one possible source for purchasing this service.
•Choose the name of the person(s) you would like to receive the monitoring service, then click “Submit.”
•An e-mail will be generated in about 24 hours from Identity Theft 911. It will contain your credit monitoring activation code, along with instructions to sign up.
Note: One e-mail will be generated per code. If two people in a household wish to receive credit monitoring, they will each receive a separate e-mail with their own code.
•Follow the step-by-step instructions, entering the credit monitoring code, along with additional information, in the Identity Guard website.
•Upon completion, your complimentary credit monitoring will be active for one year. You will need to sign up again in a year to continue the service.
Note: If you have difficulty signing up for your credit monitoring service, please call a customer service representative at 1-800-814-5570 M – F 8:30 a.m. – 4:30 p.m. CST.
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I didn’t receive an e-mail containing my activation code within 24 hours. Who do I call?
You may call Farm Bureau Financial Service’s Customer Service center at 1-800-814-5570 M – F 8:00a.m. – 4:30 p.m. CST. It is possible the SPAM blocker on your personal computer has re-routed or blocked the e-mail. You may check your SPAM folder to see if the e-mail was re-routed there. If not, it’s possible the e-mail was returned to the original sender, Identity Theft 911. Our customer service representatives can assist you in getting the necessary information.
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I want to sign someone else up for credit monitoring. Where did the link go?
Once you sign up for credit monitoring, you cannot go back and add another household member. If you’d like two members of the household to have the monitoring, please sign them both up at the same time. If you only sign up one household member, you can’t sign up another until your policy renewal date in one year.
I don’t have e-mail. How can I sign up for the credit monitoring service?
Unfortunately, if you don’t have an e-mail account, you cannot receive the credit monitoring service portion of the Identity Services and Fraud Expense Coverage. The only mechanism Identity Guard (the company that monitors your credit report) uses is e-mail. Identity Guard will send an e-mail to notify you of any activity on your credit report. If you don’t have an e-mail account, you will not receive notification and the service would not be beneficial to you.
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General Questions:
What is the relationship between Identity Theft 911 and Identity Guard?
Identity Guard is an independent credit monitoring service provider. Identity Theft 911 has contracted with Identity Guard to provide credit monitoring for our customers. There is no direct contractual relationship between Identity Guard and Farm Bureau Financial Services.
Who should I call with general questions about identity fraud?
You can call a customer service representative at 1-866-399-3237 M – F 7:30 a.m. – 6:00 p.m. or Sat. 8:00 a.m.- 12:00 p.m. CST.
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Who should I call with questions about my coverage under the Identity Services and Fraud Expense Coverage?
You may call your Farm Bureau agent or you may contact a customer service representative at 1-866-399-3237 M – F 7:30 a.m. – 6:00 p.m. or Sat. 8:00 a.m.- 12:00 p.m. CST.
I’d like to learn more about identity theft, in general. Where can I look?
If you go to www.FBFS-idtheft.com, you will find up-to-the-minute news alerts, in-depth articles and newsletters and tips on avoiding identity theft.
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How does Identity Services and Fraud Expense Coverage work?
Identity Services and Fraud Expense Coverage is a comprehensive, 3-tier protection program designed to assist you:
•Credit Monitoring service, free fraud alert & other early defense/prevention methods
•Comprehensive insurance coverage
•Fully customized expert resolution until your good reputation is restored
Is Identity Services and Fraud Expense Coverage a new coverage?
The coverage became available to our customers in November of 2007. It not only provides expense reimbursement but should you need it, it also addresses the repair of the damage done to your good name. Additionally, it provides a wealth of preventative services and measures that help you to lower your risk of exposure.
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Who is the Restoration service provider?
We partnered with Identity Theft 911®, the industry’s leading provider of identity fraud management services to provide one-on-one expert resolution assistance to our policyholders caught in a wide range of identity compromising situations, not only to identity theft victims. A highly experienced fraud specialist becomes the personal advocate for you, cutting through the red tape and handling all of the work on your behalf. Through our partnership with Identity Theft 911® our valued policyholders have access to fully personalized fraud assistance without having to file a claim. The Restoration services are an integral part of the Identity Services and Fraud Expense Coverage and each and every policyholder is ensured a seamless transfer. Simply call Farm Bureau’s customer service center at 1-866-399-3237 M – F 7:30 a.m. – 6:00 p.m. CST to be transferred to a fraud specialist from Identity Theft 911®.
Who is Identity Theft 911®?
With a current enrollment of between 11 and 12 million households in its comprehensive identity management programs, Identity Theft 911® is the industry leader in identity theft management, providing innovative enterprise-level fraud solutions and consumer education to its partners – many of America’s largest insurance carriers and corporate benefits providers, along with a range of financial institutions, colleges and universities. Identity Theft 911® was founded by seasoned executives with backgrounds in credit and financial services, law enforcement and consumer advocacy. Their executive and management team combines bricks-and-mortar business experience with state-of-the art technological expertise, a strong emphasis on consumer rights and customer service, and a deep rooted commitment to the public good.
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