Summary of Benefits

Your covered account with your Program Sponsor includes nxg|PROTECT Recovery Services and an entitlement to proactive Monitoring Services shown in the table below.

For additional details about the Services, including Evidence of Coverage for Identity Theft Expense Reimbursement Insurance, please visit your Program Sponsor’s nxg|PROTECT website.


These benefits are already working for you without any additional registration.

1. Fully Managed Identity Theft Recovery

If you become a victim or suspect you might be a victim of identity theft for any reason, simply let us know. You do not have to confirm identity fraud before seeking assistance. We will put you in touch with a professional, dedicated Privacy Advocate who, depending on your identity fraud incident, will be prepared to:

  • Perform research to determine the extent of the problem, including a review of your credit report (if appropriate)

  • Provide instruction for the placement of fraud alerts or credit freezes with the three major credit bureaus

  • Write letters and make calls on your behalf to dispute fraudulent information

  • Coordinate with government agencies, financial institutions, creditors, etc. to resolve incidents

  • Create and then maintain a case file to assist law enforcement in the prosecution of the perpetrators

  • Provide case status updates and work with you one-on-one to recover your identity

This service covers all types of identity theft, even if it is not related to your covered account. This service is available to all named account holders, and extends to three generations of your family. Family members include you, your spouse or domestic partner, your dependents under the age of 25 with the same permanent address, any IRS-qualified dependents, and your parents (mother or father) with the same permanent address, or who are registered in a senior assisted living facility, nursing home, or hospice. Services continue up to 12 months after death for all family members.

2. Identity Theft Expense Reimbursement Insurance – (up to $25,000 Limit)

Expense Reimbursement Insurance is available to cover out of pocket expenses incurred during the identity recovery process up to a maximum of $25,000 with zero deductible. Examples of covered expenses include attorneys’ fees, costs of additional credit reports, long distance telephone calls, postage and handling fees, fees for notarizing affidavits, and document and filing fees for grants or credit applications rejected as a result of a stolen identity event. Lost wages due to time off from work are also covered up to $500 per week for up to four weeks.

For Evidence of Coverage for Identity Theft Expense Reimbursement Insurance, visit the Program Sponsor’s nxg|PROTECT website.


These benefits are available to you if you choose to register and activate the services.

As a covered account holder, you will receive a unique special-use “Member ID” number and instructions on how to complete your online nxg|PROTECT account registration and activate the services, if you choose to do so. If you have not received this information, contact your Program Sponsor.

Following creation of your Profile, you will have the opportunity to complete an identity authentication process to fully activate all of your services. Authentication of your identity is required in order for you to view credit alert details and provide access to your daily credit reports and scores. Upon successful authentication, your credit monitoring will also be upgraded from single bureau credit monitoring to three bureau credit monitoring. You can complete identity authentication at any time following the registration process.

(This list of services continues from the previous section - “Recovery Services Standing by”)

3. Three Bureau Credit Monitoring

Credit monitoring is activated once you complete the registration process and provides alerts of changes in your TransUnion® credit file, sent to you via email and/or by SMS text message. You may extend your monitoring to all three credit bureaus, Experian®, Equifax® and TransUnion®, by simply completing the online identity authentication step. Credit monitoring watches for new credit activity including credit inquiries, new credit lines, derogatory credit, name changes and address changes. We recommend that you complete identity authentication as soon as possible to get the most out of your credit monitoring.

4. Daily TransUnion® Credit Reports and Scores

Credit reports and scores available daily, on demand, can help to benchmark your credit standing and uncover pre-existing credit issues. As you request your score it will be documented on a timeline so you can graphically see it change over time.

5. Annual Tri-Bureau Credit Report and Score

An annual three bureau credit report and score with  Experian®, Equifax® and TransUnion® is available on demand to help you benchmark your credit standing and uncover pre-existing credit issues.

6. Online TransUnion®  Credit Lock / Unlock

Easily lock your TransUnion credit report through the convenience of the online portal. Having a lock on your credit file prevents any unauthorized access that may lead to further exposure of your personal information can fraudulent credit transactions. A credit lock can be easily disabled through the online portal when you need access to credit

7. Dark Web Monitoring

Dark Web Monitoring continually tracks criminal networks, black market forums, phishing networks and exploited websites to uncover compromised sensitive information using sophisticated technology and human spies. This compromised information is gathered by our systems and operatives around the world and compared in our database so that we might alert you when a match is found with your personal information, including your name, Social Security number (SSN), address, date of birth (DOB), and phone number. In addition, unlimited email addresses can be monitored to indicate when your email, in combination with a username and password, has been compromised.

Internet Surveillance is an additional level of monitoring that provides you with the opportunity to add an unlimited number of credentials for monitoring on the Dark Web, which may include:

  • ATM, debit and credit cards
  • Driver’s licenses
  • Health and dental insurance cards
  • Vehicle insurance cards
  • Checks
  • Affinity Cards (e.g., frequent flyer cards)
  • Miscellaneous Cards (e.g. library and voter registration cards and many others)
  • IP Addresses

Alerts of compromised data on the Dark Web can help you to take action early to minimize or avoid identity theft. Alerts are provided by email and optional SMS text.

This service also provides easy, secure online storage of your credentials for retrieval in the event of theft of a purse or wallet, or home disaster.

8. Social Media Monitoring  

Social Media Monitoring keeps tabs on your Facebook, Instagram, LinkedIn and Twitter accounts to provide alerts on vulgarity, explicit content, violence, threats and other potentially damaging content so you can proactively manage your online reputation. We'll also alert you if it looks like someone has taken over your account and is posting unsavory material.

9. High Risk Transactions Monitoring

Monitoring alerts warn you if someone is using your identity to conduct a high-risk transaction including online and telephone activity associated to bank, brokerage, online, credit card, and even healthcare accounts at any one of our more than 300 participating banks, brokerages, cellular providers, healthcare providers, and retailers. Alerts may include illicit password resets, account management changes, and fraudulent money transactions. Alerts are provided by email and optional SMS text.

For details regarding covered account benefits including additional terms, conditions and limitations that apply to the services, visit your Program Sponsor’s website. Monitoring services require online registration to activate. Some services may be limited or unavailable to non-U.S citizens and person residing outside the U.S. If your Program Sponsor’s nxg|PROTECT program includes mobile coverage, this Summary of Benefits serves as your Evidence of Coverage. All services are provided through an agreement with NXG Strategies, LLC.