ID Resolve 360

Protect. Detect. Alert. Resolve.

Identity theft monitoring and resolution.


ID Resolve 360

Protect Your Money …
And Your Financial Reputation

Think about the nightmare of falling victim to one of the fastest-growing crimes in America*:

  • Who should you call first if an identity thief wiped out your life savings?
  • Is your money just gone?
  • How can you block thieves from stealing your identity?
  • Is there a way to detect past identity thefts?
  • Can you get alerts if an identity thief is targeting you?
  • What if someone runs up big bills in your name? Do you have to pay them?
  • How do you make it all stop?


Losing your money to an identity thief is bad enough. But watching the good credit you’ve built over years of hard work can be devastating. Then, there’s the work you’d need to do to fight it all on your own.

ID Resolve 360 eliminates those worries. It helps get your money back. It helps repair your credit and clean up the mess left behind.

And most important … it helps make sure it doesn’t happen again.

*2022 Identity Fraud Study, Javelin Research & Strategy

ID Resolve 360 includes all the services of ID Resolve…PLUS:

Protect Against Identity Theft

Online Monitoring Dashboard via the ID Resolve 360 monitoring portal lets you track your profile and respond to alerts – empowering you to take a more active role in protecting your identity. (Activation required.)

Digital Security Software Suite helps you strengthen your security online by blocking common types of theft such as keylogging, phishing and ransomware. (Activation and software installation required.)

ScamAssist® Specialists will research suspicious solicitations to deliver a case-by-case assessment on the likelihood of it being a scam, thereby reducing the chances of inadvertently providing funds or sensitive information to a con artist.  

Fraud Alert Placement will help if your identity is at risk. We provide assistance placing a 1-year fraud alert on your credit file, making it more difficult for thieves to open new credit in your name without your knowledge. You can also place a fraud alert on your records via the Online Monitoring Portal.

Monthly Risk Alert Newsletter brings you up to speed on the latest trends in identity theft scams and shows you smart ways to avoid falling victim.

FREE Identity Theft Protection Kit brings you up to speed on the many ways identity thieves strike and shows you how to avoid falling victim. Includes sample affidavit form and letter templates to use when filing fraud or identity theft disputes.

Prevention Education is available through online resources that help educate you on how identity theft occurs, as well as protective measures you can take to limit your risk.

IDRiskIQ helps you better understand your identity theft risk propensity and provides a personalized action plan to help you lower your risk of identity theft.

Opt-Out Services can help you protect your privacy by stopping pre-approved credit mailings and marketing phone calls which thieves can use to steal your personal information.

Monitoring Portal

With the growing threat of identity fraud, it’s important to make sure that your credit is closely watched. ID Resolve 360 makes this monitoring effort easier than ever. Through the ID Resolve 360 monitoring portal, we will monitor high-risk transactions, exposed sensitive personal information, credentials and your credit. 

If suspicious activities are detected, you can opt-in to receive alerts via email and/or SMS text messages so that you can take immediate action to minimize damage. When you log into the ID Resolve 360 monitoring portal, you can view alert details, close out any unwarranted alerts, or flag the ones that need immediate attention. 

If suspicious activity occurs, our award-winning Resolution Specialists are standing by 24/7 to step in and help resolve the situation.

Detect The First Signs Of Identify Theft

Identity Monitoring is provided by our digital security experts. The ID Resolve 360 team scouts the deepest corners of the Internet, searching for compromised credentials and potentially damaging use of your personal information.  

Detect Pre-Existing Conditions by conducting a look-back, searching for ways your identity may have been stolen to help you identify previously undetected cases of identity theft.  

Email Health Check is an online tool that helps you see if your email address was compromised in a data breach. You’ll get details on where and when the breach happened, what types of information was stolen, and specific recommendations to fix the situation.  

Breach Catalogue is an interactive tool that enables you to search for company breaches and opt-in to receive email notification about future breaches of interest.  

3-Bureau Credit Monitoring tracks your credit profile at all three major credit bureaus that could indicate potential fraud so that you can take immediate action to minimize damage. 

Credit Report & Score from TransUnion to watch for changes that can be common indicators of a stolen identity or fraud.  

Monthly Credit Refresh helps you keep tabs on updates made to your credit profile with our monthly credit refresh.  

Activation required for all credit monitoring and credit report services.  


Instant Alerts To Quickly Flag Identify Theft

Identity Monitoring Alerts help you know what’s happening when it comes to your identity and what to do to help eliminate any potential damage. We monitor high-risk transactions with more than 300 of the nation’s largest companies to help uncover and stop account takeover attempts. Hacker dump sites, the black market and other online forums are continuously monitored to help keep your online identity out of the wrong hands. Black market surveillance helps make sure your personal information isn’t being sold to the highest bidder. 

Credit Monitoring Alerts tell you when changes are made to your credit profile. These include updates on requests for new credit, address change requests, new accounts, accounts going into delinquency, credit limits exceeded, new employer notifications, fraud alert activations and new public records in your name. 

Enhanced Credit Alerts help you stay on top of your credit with 21 additional alert categories to inform you about activities related to your accounts, score, credit limit, lost or stolen cards, collection, foreclosure and past due accounts.  


Up to $1 Million Identity Fraud Insurance*

If you become a victim of identity fraud while enrolled in ID Resolve 360, this insurance coverage can reimburse you for covered out-of-pocket expenses related to the recovery process and professional service fees associated with identity restoration. 

Click Here to review a Summary of Benefits and Master Policy. 

*The Identity Expense Reimbursement and the Unauthorized Electronic Fund Transfer Reimbursement benefits are underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company, under group or blanket policies issued to Generali Global Assistance, Inc., dba Iris® Powered by Generali for the benefit of its Members. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits at  

2 Levels Of Protection:
You Choose The Option That Works Best For You

1ID Resolve helps you stop identity thieves in their tracks when they target your good name. Our team of resolution specialists will immediately spring into action at the first sign that your identity has been stolen.

2ID Resolve 360 delivers a comprehensive level of protection … actively monitoring your identity to help identify early signs of theft and then stepping in to protect your money and your financial reputation if you fall victim to identity thieves.

Need Help Deciding?

Not sure if ID Resolve or ID Resolve 360 is right for you?

Call 1-855-295-3681 Monday – Friday between 8am – 7pm Eastern Time to talk to one of our U.S.-based experts.

Ready to set up your personal defense against identity thieves?

At-A-Glance Comparison

Ongoing Identity and Credit MonitoringX
FREE Digital Security Software (to help protect against keylogging, phishing and ransomware)X 
ScamAssist® Research ServiceX 
Fraud Alert PlacementX 
IDRiskIQ (and additional tools to help educate you on ways to lower your risk of identity theft)X 
Opt-Out Services (removed you from pre-approved credit mailings and marketing phone calls)X 
Detect Pre-Existing Conditions (look back to search for unknown identity theft incidents)X 
Email Health Check to help you make sure your email address remains secureX 
Monthly Credit Refresh (so you can keep tabs on your credit score)X 
Instant alerts via easy-to-use dashboard highlight suspicious activity to help you stop identity thieves before they can do as much damageX 
U.S.-based resolution experts help you resolve cases of identity theft  
Assistance notifying credit bureaus and creditors if your identity is stolen  
Notification to Police and Legal Authorities if accounts have been opened in your name or your identity has been stolen  
Credit Freeze to prevent new accounts from being opened in your name  
Help canceling/re-issuing debit or credit cards, driver’s license, Social Security card or a passport if your wallet is stolen or lost  
Medical Identity Theft Assistance  
$500 emergency cash advance if you fall victim to identity theft while you’re away from home  
Identity theft insurance helps reimburse expenses of fighting identity theftX 

If you’ve seen “identity theft protection” advertised on TV or online, you probably know that prices for those plans can come in at $300 a year or more.

But that’s not the case with ID Resolve 360.


  • Single Membership: $209
  • Couple Membership: $239


1. Is identity theft a problem I should worry about?

YES! It’s one of the fastest growing crimes in America. In 2021 alone, 42 million Americans were victims of identity fraud and identity thieves stole $52 BILLION*. There is a new victim every two seconds – and ID Resolve is here to help make sure you’re not one of them.

Plus, when it’s YOUR money and YOUR good credit record being stolen, identity theft suddenly becomes a legal and financial nightmare.

*2022 Identity Fraud Study, Javelin Research & Strategy

2. Who is the most at risk of identity theft?

Identity thieves target people of all backgrounds, ethnicities, incomes, and locations, but there are three groups who have experienced higher incidences of identity theft and fraud in recent years.

Millennials are more likely to share personal information, such as contact information via social media – which identity thieves target.

Seniors make up 35% of all cases of identity theft. As you get older, the ramifications can be exponentially worse, since you simply may not have enough time to rebuild your financial security.

Children have clear credit reports, which are highly valuable to criminals who can fraudulently use their data unnoticed for years.

3. Why should I chose ID Resolve for identity monitoring and resolution?

Our U.S. based Resolution Team has almost 20 years of experience helping people in their time of need. We’re a 16-time Stevie® Award winner for Excellence in Customer Service, and it’s our focus on providing you with best possible service – from our easy-to-use monitoring portal to our experienced resolution specialists – that make us stand apart from other providers.

4. How does ID Resolve 360 work?

ID Resolve 360 is powered by our easy-to-use monitoring portal which puts control in your hands.

Through the portal, we provide high risk transaction monitoring, internet surveillance, compromised credential monitoring and a robust selection of alerts to help reduce fraud and minimize damage.

With ID Resolve 360, you’ll minimize your risks of identity theft by leveraging technology that looks in places you can’t for suspicious use of your personal data. And if you become a victim, our certified Resolution Specialists help save you time, money and hassle.

5. Can identity thieves really take out loans in my name?

Absolutely. Once they have information like your Social Security number, they can begin creating documents like false driver’s licenses that can help them open accounts or apply for loans in your name.

6. I’m really careful when I use credit cards online and in stores. Shouldn’t my identity be safe?

Credit card fraud is one of the most common types of fraud. In fact, new account credit card fraud tops the FTC’s list of identity theft reports*. It increased by 88% between 2018 and 2019 alone! As identity theft and fraud continue to persist, so does the need to take action to minimize the risk of victimization and resulting damage. With ID Resolve 360, you will have 360º protection, helping to defend against potential threats. Our proprietary technology and certified professionals offer full-service and hands-on assistance in the event of an incident.

*FTC Consumer Sentinel Network, 2019 Data Book

7. How hard is it to clean up after an identity thief strikes?

Be prepared to invest hours on top of hours in phone calls. Follow up letters to document your calls. Monitoring accounts. Talking to banks, loan companies, credit card companies, the Social Security Administration, and credit bureaus. Maybe even filing reports with the police.

Or … you could avoid all those headaches by putting ID Resolve on your case. They know who to call. What paperwork to file. And exactly what is needed to stop identity thieves in their tracks. And they’ll keep you informed with regular updates all along the way.

8. How do I know that my information in the ID Resolve 360 portal is secure?

When you add sensitive personal information in the Monitoring Portal for monitoring, your data is never stored and is never transmitted in an unencrypted form. When you add your information, we generate a random string of text (a unique ID, also called hashing) to represent the data. A unique ID cannot be reversed or “decrypted”, keeping your information secure. We also utilize biometric multifactor authentication at login, which provides multiple layers of security and enhanced protection.

Multifactor authentication helps reduce online identity theft and fraud, since your password alone is no longer sufficient to grant full access to your account. Multifactor authentication allows you to access your account after presenting two or more credentials.


AMTA ID Resolve 360 delivers a higher level of protection by pairing vigilant monitoring services with ID Resolve’s exceptional identity theft resolution services. That means you’re setting up a smart “early warning system” to help head off identity theft before it can begin and backing it up with valuable peace-of-mind protection from one of the nation’s leading identity theft resolution teams – just in case someone sneaks through your defenses.


Call us today at 1-855-295-3681 if you want to enroll or have any questions.

Terms Of Use



Information contained in or accessed from this A.G.I.A., Inc. and/or its affiliates website is provided on an “as is” basis. A.G.I.A., Inc. does not warrant the accuracy or completeness of this information, and expressly disclaims liability for errors or omissions in this information. No warranties of any kind are given in connection with this information, express or implied, including, but not limited to, warranties of merchantability, fitness for a particular purpose, non-infringement, or freedom from computer virus. In no event will A.G.I.A., Inc. be liable for any direct or indirect, special, incidental, consequential or punitive damages, losses (including lost profits), or expenses arising out of or in connection with use of its website, any failure of performance, interruption, delay in operation or transmission, computer virus, loss of data or otherwise, even if A.G.I.A., Inc. has been advised of the possibility of such damages, losses or expenses.


All information contained in this A.G.I.A., Inc. website, including product and carrier information, policy premiums, terms and product fees, is for informational purposes only and is subject to change at any time without prior notice. Your eligibility for particular products or services is subject to final determination and acceptance by the underwriting company. Complete product information, including terms and conditions of coverage, is provided at the time of application.


The following defined terms are used in these Terms and Conditions:

“Payee” means the merchant or other entity to which you authorize a bill payment to be directed.

“Payee Account” means the billing account with the merchant or other entity to which you authorize a bill payment to be directed. It may be represented by an account number, policy number, access number or code, or other number used by the merchant to identify your account.

“Payment Instruction” means your instruction and authorization to make a bill payment to a Payee.

“Payment Account” means the bank account that you authorize A.G.I.A., Inc. and/or its affiliates to debit by electronic funds transfer when you make your bill payment using account information from your personal checking or savings account.

“Payment Card” means the credit card or debit card that you instruct A.G.I.A., Inc. and/or its affiliates to charge to pay your bill payment.

“Business Day” means Monday through Friday, excluding Federal Reserve holidays.


When you initiate a Payment instruction, you authorize A.G.I.A., Inc. and/or its affiliates to charge your payment card or debit your payment account and remit funds to the Payee. If we are unable to obtain funds for a bill payment for any reason associated with your Payment Card or Payment Account (for example, there is not a sufficient balance available on your Payment Card or in your Payment Account to cover the transaction), then we will not be able to complete your bill payment transaction. If there is a problem in processing your Payment Instruction, A.G.I.A., Inc. and/or its affiliates may attempt to contact you, using the telephone number you have provided to A.G.I.A., Inc. and/or its affiliates.

If A.G.I.A., Inc. and/or its affiliates makes a bill payment to your Payee Account but is unable to obtain funds for that payment from your Payment Card or Payment Account, you agree that your bill payment to your Payee Account will be reversed.

You agree that from time to time the Payment services contemplated under this Agreement may be inaccessible or inoperable for any reason, including, without limitation: (i) equipment malfunctions; (ii) periodic maintenance procedures or repairs which may be undertaken from time to time; or (iii) causes beyond A.G.I.A., Inc. and/or its affiliates control or which are not reasonably foreseeable to A.G.I.A., Inc. and/or its affiliates.


A.G.I.A., Inc. and/or its affiliates will use commercially reasonable efforts to process your bill payments in accordance with your Payment Instructions. However, A.G.I.A., Inc. and/or its affiliates shall incur no liability if a bill payment is not made in a timely manner or if it is unable to complete any payments initiated by you through the A.G.I.A., Inc. and/or its affiliates Bill Payment Service because of the existence of any one or more of the following circumstances:

  • Sufficient funds are not available through your Payment Account or your Payment Card;
  • Failure of any Payee to account correctly for or credit the payment in a timely manner, or otherwise mishandle or delay the payment;
  • The A.G.I.A., Inc. and/or its affiliates Bill Payment Service is not working properly and you know or have been advised by A.G.I.A., Inc. and/or its affiliates about the malfunction before you execute the transaction;
  • You do not provide A.G.I.A., Inc. and/or its affiliates with all required information to complete the bill payment, such as your correct name, telephone number, or your complete and correct Payee account information; or
  • Circumstances over which A.G.I.A., Inc. and/or its affiliates has no control including, but not limited to large-scale technical malfunctions, including, but not limited to loss of access to the Internet or loss of access to the Federal Reserve System, prolonged outages of phone lines, electricity or similar infrastructure, acts of God, war, riot, civil disobedience or similar events of insurrection, governmental or court orders, regulatory or legislative changes by any local, state or federal governmental agency, strikes, work stoppages, or other similar occurrences or circumstances.



In the absence of any of the exclusions set forth above, it shall be A.G.I.A., Inc. and/or its affiliates responsibility to correct any transactions not completed in accordance with your Payment Instructions. In the event that A.G.I.A., Inc. and/or its affiliates is unable to correct the transaction, we shall refund the amount of funds received from you and this refund shall constitute your sole remedy. In no event shall A.G.I.A., Inc. and/or its affiliates liability to you ever exceed the amount of funds that we receive from your Payment Account or Payment Card for a bill payment. The foregoing shall constitute A.G.I.A., Inc. and/or its affiliates entire liability and your exclusive remedy. The use of this payment service is at your sole risk. In no event shall A.G.I.A., Inc. and/or its affiliates be liable for any other loss, injury, or damages, whether direct, indirect, special, incidental, consequential, or exemplary, including lost profits (even if advised of the possibility thereof) arising in any way out of your use of the bill payment service. Except as otherwise explicitly set forth herein, we specifically disclaim and you understand that we make no warranties or representations of any kind, expressed or implied and the same are hereby excluded from these terms and conditions and all transactions contemplated hereby. Some states prohibit the exclusion or limitation of incidental or consequential damages, thus this limitation of liability may not apply to you.


A.G.I.A., Inc. and/or its affiliates Bill Payment Service has been designed in compliance with the Payment Card Industry (PCI) data security standards so that no one can access your Payment Account without proper user authentication. If you use this site, you are responsible for maintaining the confidentiality of your personal information, including your Payment Account number, and for restricting access to your computer, and you agree to accept responsibility for all activities you initiate or that you authorize to be initiated or that are authorized utilizing your payment account or from your computer. You are solely responsible for all bill payments you authorize using Bill Payment Service. If you permit other persons to use your Bill Payment Service or your bill payment authentication responses or other means to initiate a Payment Instruction on your behalf, you are solely responsible for any transactions they authorize.

If you believe that your authentication information or other personal information have been lost or stolen or that someone may attempt to use your Bill Payment Service without your consent, you must notify A.G.I.A., Inc. at once by calling (800) 424-5181 during normal customer service hours.


Transaction charges, if any, for using the Bill Payment Service may vary depending upon the Payee and permissible charges allowed in a particular state. These charges will be disclosed to you prior to your Payment Instruction. By submitting your Payment Instruction, you agree to pay these transaction charges. There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize A.G.I.A., Inc. and/or its affiliates to charge your designated Payment Card or debit your Payment Account for these amounts and any additional charges that may be incurred by you. You are responsible for any and all fees and charges that you may incur.


These Terms and Conditions shall be governed by the laws of the state of California without regard to that state’s conflicts of laws provisions and by applicable Federal laws and regulations.


No delay or omission by us in exercising any rights or remedies under these Terms and Conditions will impair such right or remedy or be construed as a waiver of any such right or remedy. If we exercise any right or remedy, in whole or in part, that exercise will not prevent us from any further or future exercise of such right or remedy or any other right or remedy. No waiver will be valid unless in writing signed by us.


  1. By entering this website and agreeing to be bound by this Agreement, you are providing your affirmative consent to the use of an electronic signature to authenticate the insurance transaction in electronic form. You understand and agree that the insurance company will rely on your electronic signature to process and effect insurance transactions.
  2. You acknowledge that you understand that you are not obligated to enter into transactions electronically and that you have a right to conduct insurance transactions in paper format if you wish. By entering this website and agreeing to be bound by this Agreement, you affirmatively consent to conduct transactions in electronic form. If you wish to conduct insurance transactions in paper form, please contact your association/policyholder or its representatives. There is no charge to you for requesting a paper transaction.
  3. When you have successfully entered your enrollment information and have selected “I Accept” on the website confirmation page, you will be given the opportunity to print a paper copy of your insurance elections free of charge. Please print a paper copy of your insurance elections for your records because if you will not be able to access your enrollment information on the Site after your enrollment. If you wish to confirm or make changes to your coverage or beneficiary elections after your enrollment, you must contact the A.G.I.A., Inc. and/or its affiliates Endorsed Insurance Program Office of Administration. You understand and agree that requests for change submitted to Carrier or the Site will not be valid or take legal effect after the end of your enrollment.
  4. Once you have given consent for an electronic transaction, you may withdraw your consent only if Carrier has not taken action in reliance on your consent. To update your contact information or to withdraw your consent to an electronic transaction, you may contact your Administrator by calling (800) 424-5181. There is no fee charged for such requests. However, your withdrawal of consent shall not diminish the legal effectiveness or enforcement of any transaction agreed to prior to your withdrawal of consent. If you withdraw consent after your enrollment, your insurance will remain effective until your request for cancellation is received by the group policyholder or its representative.
  5. You agree that your electronic signature authorizes The Underwriting Carrier(s) or its authorized representatives:
    1. to process this insurance transaction at your request and any future transactions that may be needed to administer and help keep in force your coverage under the insurance policy. For example, we will rely on your electronic signature to authorize us to process your request for insurance coverage(s) and beneficiary designation(s) made during your enrollment.
    2. to process, as applicable:
      1. a billing transaction, including but not limited to: processing a payment by credit card using the credit card number you have provided; processing an electronic bank draft using the checking account number you have provided; or sending you a billing statement at the address you have provided; or
      2. a billing transaction with your financial institution to deduct the appropriate amount from your account.
    3. to communicate with you by mail, telephone or electronically by sending to you communications including, but not limited to, any and all types of electronic communication by email, fax, mail and telephone.
  6. After you enroll, you understand and agree that you will not have access to your electronic enrollment record. You may print a confirmation of your enrollment election at the time of enrollment, or you may contact your Administrator for confirmation after your enrollment period ends.



You represent and warrant to A.G.I.A., Inc. and/or its affiliates that: (a) you over the age of eighteen (18) and have the power and authority to enter into an perform your obligations under this Agreement; (b) all information provided by you to A.G.I.A., Inc. and/or its affiliates is truthful, accurate and complete; (c) you are the authorized signatory of the credit or charge card provided to pay fees contemplated herein; (d) you shall comply with all of the terms and conditions of this Agreement; and (e) you have provided and will continue to provide accurate and complete registration information, including, without limitation, your legal name, address and telephone number.


A.G.I.A., Inc. and/or its affiliates provide information and services on this website, and all layouts, materials, designs, and images on this website are copyrighted or proprietary to A.G.I.A., Inc., its affiliated companies and/or third party service providers. As a condition of your use of this website and the services, you agree that you will not use the contents of this website in any other website or in a network computer environment. All uses of this website apart from educational, informational and enrollment purposes are strictly prohibited.

In addition, as a further condition of your use of this website and the services, you agree that you will not use the website or services to infringe the intellectual property rights of A.G.I.A., Inc. and/or its affiliates in any way; use the website or services to modify or manipulate the website or services or any of A.G.I.A., Inc. and/or its affiliates hardware or software to invade the privacy of, or obtain private information concerning any enrollee or applicant of Carrier, or to erase or damage any information contained on the computer or the information of any user connected to this website or the services, or to reveal any portion of this website or the services. Furthermore, you agree that you will not use the website or services to introduce viruses, worms, Trojan horses or other malicious, destructive or harmful codes or programs, and you agree that you will take every precaution not to introduce these harmful codes into the website and services.

You agree that the materials and services on this website are provided “as is” and for informational purposes only. You understand that neither Carrier nor A.G.I.A., Inc. and/or its affiliates makes any representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies or typographical mistakes. The information contained on this website was believed to be accurate at the time it was placed on the website. Carrier and A.G.I.A., Inc. and/or its affiliates periodically update the information on the website, but disclaim any responsibility to do so. Therefore, you understand and agree that Carrier and A.G.I.A., Inc. and/or its affiliates take no responsibility for the timeliness, accuracy or applicability of the information at the time it may be accessed and that Carrier and A.G.I.A., Inc. and/or its affiliates disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability of fitness for a particular purpose or of non-infringement of other’s rights.

You understand and agree that neither Carrier nor A.G.I.A., Inc. and/or its affiliates is engaged in rendering legal, tax, insurance benefits or any other advice through this website or services. Your insurance needs are highly individual, and Carrier and A.G.I.A., Inc. and/or its affiliates do not represent themselves as giving financial advice or advice on your individual insurance needs through this website and services. You understand and agree that you should consult your own attorney and financial advisor(s) for advice in these areas.

You understand and agree that the information on Carrier’s insurance products as described in this website is not complete and does not change or affect the insurance policies as actually issued. Although you have been provided with a description of benefits, you understand that only the insurance policy issued to the policyholder (your association) can fully describe all of the provisions, terms, conditions, limitations and exclusions of your insurance coverage. In the event of any difference between the information on the website and services, the benefit highlights, and the insurance policy, the terms of the insurance policy apply.

You understand and agree that insurance will not be valid or in force with respect to you or your dependents if any such person is not eligible in accordance with the terms of the group policy issued to your association/policyholder. You acknowledge and agree that if group participation requirements are not met, the insurance policy will not be issued and the elected coverage(s) will not be in force.

You understand that this website and the Payment services contemplated hereunder may be performed by third-party vendors.

If any provision of this Agreement is determined to be illegal or unenforceable, then such provision will be enforced to the maximum extent permissible and the other provisions will remain fully effective and enforceable.

If you choose not to accept these Terms of Service, you will not be enrolled. You acknowledge that you have read the A.G.I.A., Inc. and/or its affiliates Privacy Policy on the A.G.I.A., Inc. and/or its affiliates website.


Rates quoted online represent the best available rate based on age, gender, state of residence, preliminary health questions and a number of other personal indicators. The rates shown are sample rate quotes, not offers of insurance, and may not be available to all persons, based on the underwriting company’s eligibility requirements. The rates shown are subject to change without notice at any time.


We reserve the right to change or supplement this Terms of Service Agreement at any time by posting the changes on this website. By using this website, you accept the terms and conditions of this Terms of Service Agreement and you agree to review this Terms of Service Agreement from time to time to stay informed of changes that may occur. This Terms of Service Agreement also applies to personal information that we maintain on former customers.

Privacy Policy

AGIA Privacy Policy

AGIA Affinity (“AGIA”), believes protecting privacy of internet users visiting our website, (the “Site”), is of the utmost importance to ensure your trust in the programs we offer. AGIA’s Privacy Policy will inform you of the ways in which the Site collects personal information, the uses to which that information will be put, and the ways in which AGIA will protect any personal information you choose to provide us. For the purposes of this Policy, personal information that can be used to identify you or your activities on the Site of information about you which you provide to AGIA through services offered on the Site.

In many cases, AGIA will collect personal information on behalf of our commercial clients in accordance to a contract. In these circumstances, we act as a “Service Provider” or “Processor” to our clients under applicable privacy laws and are obligated to process personal information in accordance with clients’ instructions. In any case where AGIA is acting as a Service Provider or processor to our client, if you wish to exercise any of the rights outlined in this Policy, you should direct your request to our client, who is the party responsible for receiving, assessing, and responding to your requests. If a request is submitted directly to AGIA in a scenario where we only process your information in the role of Service Provider or Processor, AGIA may deny your request. If unsure, clarification of AGIA’s role regarding your personal information can be requested at anytime by contacting AGIA directly using the contact information described in this notice.

AGIA’s Privacy Policy applies solely to data collected via the Site. There may be additional personal information that we have or collect about you or your company pursuant to other relationships which is subject to other agreements and rules.

We take the privacy of your personal information very seriously and we will use your personally identifiable information only in accordance with the terms of this Privacy Policy. Personally Identifiable Information (“Personal Information”) means any information that could reasonably be used to identify you, including your name, address, birth dates, financial information, telephone number, social media contact information, or any combination of information that could be used to identify you. We will not sell or rent your personally identifiable information or a list of our customers to third parties. However, as described in more detail below, there are limited circumstances in which some of your information will be shared with third parties under strict restrictions, so it is important for you to review this Policy. This Privacy Policy applies to all services that are offered through the Site.

By accepting this Privacy Policy, you expressly consent to our use and disclosure of your personal information in the manner described in this Privacy Policy. By consent, you are acknowledging that you have read and understood this Privacy Policy and agree to be bound by it. If you do not agree with the terms of the Privacy Policy, please do not access our website. This Privacy Policy is incorporated into and subject to the terms of the website Terms of Service. The following discloses our website information gathering and use practices and is limited to the protection and use of personal information collected by us in the online environment. Your access to and use of our website are subject to this Privacy Policy and any other terms of use or policies posted by us.

Please review this privacy statement carefully to understand what information we collect on the website, how it is used, and how you can work with us if you have a concern about your privacy.

Personal Information We Collect

There is an opportunity on our website for you to voluntarily provide us with personal information for inquiring about AGIA’s business. For example, we will need personal information from you when you submit a question online, or request product information. This information includes your name and e-mail address. We use your voluntarily provided personal information to provide you exceptional service and to create a more meaningful visit for you at this website. You may also choose to apply for a job with AGIA and submit a job application via our career site at . Any personal information you send AGIA will be used only for the purpose indicated on the careers site or in this statement.

By providing us with personal information so we may assist you on this website, you are “opting-in” to receive future communication from the website concerning information on products, promotions, or other services that we believe would be of interest to you. If, at any time, you receive a communication from the website that is unrelated to a transaction you have initiated, and you would like not be contacted again, please contact us using the procedures outlined below under “Questions About Your Information” to “opt-out” from future communications.

We reserve the right to use your personal information for market research purposes to better serve you but we will not sell your voluntarily provided information and will not share it with unauthorized persons or organizations.

When you visit this website, we collect and store non-identifying information about your visit. The information we collect may include the time and length of your visit, the pages you look at on our site, and the site you visited just before coming to ours. We may also record the name of your Internet Service Provider (ISP) or your Internet Protocol (IP) Address. We use this aggregate information to measure site activity as well as to generate ideas for enhancing our website to serve you. This information is not specific to any individual and is anonymized to prevent personal identification.

How We Use Your Personal Information

Internal Uses

We collect, store and process your personal information on servers located in the United States. We use the information we collect about you in order to provide our services, process your transactions, and provide customer service. We provide access to personal information about our customers only to those employees who require it to provide our services, process customer payments and provide customer service.

  • Cookies: We may utilize website cookies to collect information for the purposes of Site functionality, analytics, advertising, IP addresses only where strictly necessary. A cookie is a small amount of data, which often includes an anonymous unique identifier, which is sent to your browser from a website’s computer and stored on your computer’s hard drive but cannot read data from your hard drive. Cookies can be used to provide you with relevant content and to make it easier for you to use a website upon a future visit. We may include cookies on our website and use them to recognize you when you return to our website. You may set your browser so that it does not accept cookies; however, certain features of our sites may not function properly or be available if your browser is configured to disable cookies.

  • Web Beacons: Some pages on our site, as well as pages where our banner ads appear, and certain emails we send, may contain electronic images known as Web beacons, or single-pixel GIFs. These Web beacons collect certain types of non-personally identifiable information, such as a visitor’s cookie number, time and date of a page view, and a description of the page where the Web beacon is placed. The Web beacons are used to compile and aggregate statistics that help us improve the effectiveness of our advertising and make our site easier to use. The information collected using these Web beacons does not identify individual users to our site.

AGIA Personal Information Processing

Because AGIA offers various insurance and non-insurance products and services, it should be noted that the information below may not be applicable in all circumstances, data elements are dependent on the individual customer relationship.

Personal Information Category


Source Categories

Business Purpose for Collection

Third Parties With Whom we May Share Personal Information

Government-Issued Identifiers

 State ID Card
 Driver’s License

 Directly from you (or a member who named you as beneficiary)
 Employer, Plan Sponsor, or their Administrator
 Third Parties Insurance Carriers and/or Agents and Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Direct Marketing
 Communication with Individuals

 Insurance Underwriter
 Service Providers

Contact Information

 Company or School Name
 Mailing Address
 E-Mail Address
 Telephone Numbers

 Directly from you (or a former member who named you as beneficiary)
 Employer, Plan Sponsor, or their Administrator
 Third Parties Insurance Carriers and/or Agents and Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Direct Marketing
 Communication with Individuals

 Service Providers

Individual Identifiers

 Sexual Orientation
 Marital Status
 Veteran Status
  Physical or Mental Disability

 Directly from you (or a former member who named you as beneficiary)
 Employer, Plan Sponsor, or their Administrator
 Third Parties Insurance Carriers and/or Agents and Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Direct Marketing
 Communication with Individuals

 Service Providers

Other Identifiers

 Policy Number
 Employee/member ID Number

 Directly from you
 Employer, Plan Sponsor, or their TPA
 Third Parties
  Insurance Carriers and/or Agents and Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Direct Marketing
 Communication with Individuals

 Insurance Underwriter
 Service Providers

Financial Information

 Financial Account Numbers
 Credit Card Numbers (Payment Card Data)
 Consumer Reporting Data
 Insurance Account Numbers

 Directly from you
 Employer, Plan Sponsor, or their TPA

 Policy Administration

 Service Providers

Health Information

 Inferred Data (Health)
 Status of Disability
 Data collected by a Healthcare Provider or Health Insurance Company Subject to HIPAA or CMIA
 Payment Information for Healthcare Services
 Information About a Consumer’s Diagnosis or Treatment for Health Conditions
 Patient records, clinical trial records

 Directly from you
 Employer, Plan Sponsor, or their TPA
 Third Parties
  Insurance Carriers, Agents or Brokers

 Policy Administration and/or Claims processing
 AGIA services to the client
 Communication with Individuals

 Service Providers

Policy Information

  Any Policy or Documentation or Subsequent Information Submitted to AGIA in Order to Obtain Quotes for a Product or Service

 Directly from you (or from a current or former plan member who named you as a beneficiary)
 Employer, Plan Sponsor, or their TPA
 Third Parties
  Insurance Carriers, Agents or Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Direct Marketing
 Communication with Individuals

 Service Providers

Employment-Related Information

 Job/Role Titles
 Resume with Work History

 Directly from you
 Employer, Plan Sponsor, or their TPA

 Policy Administration and/or Claims processing

 Service Providers

Commercial Information

 Service Records
 Personal Property
 Customer Service Records
 Communication Preferences
 Other Preferences

 Directly from you (or from a current or former plan member who named you as a beneficiary)
 Employer, Plan Sponsor, or their TPA
 Third Parties
 Insurance Carriers, Agents, or Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Direct Marketing
 Communication with Individuals

 Service Providers
  Non-Client Business Partners

Audio, Video, or Other Media

 Customer Service Call Center Recordings

 Directly From You

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Direct Marketing
 Communication with Individuals

 Service Providers

Disclosure to Third Parties

This website does not sell or rent any of your personal information to affiliates or unaffiliated third parties. We will not share any of your personal information with third parties except in the circumstances described below or with your permission.

 We disclose personal information with third parties or affiliates that we in good faith believe are appropriate to enable them to provide services to you and to contact you regarding additional products and/or services that you have expressed an interest.

 Cooperation in investigations of suspected fraud or other illegal activity, situations involving potential threats to the physical safety of any person, or to conduct investigations of violations of the -site’s Terms of Use or the Terms of Service Agreement, or as otherwise required by law. This may also include protecting and defending the rights, property, or safety of AGIA, other users of this Site or responding to claims that any content violates the rights of third parties.

 Certain federal, state and local laws or government regulations may require us to disclose non-public personal information about you. In these circumstances, we will use reasonable efforts to disclose only the information required by law, subpoena or court order to be disclosed.

 We disclose information to your agent or legal representative (such as the holder of a power of attorney that you grant, or a guardian appointed for you).

 As with any other business, it is possible that in the future we could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to personal information maintained by us, including customer account information, but would continue to be bound by this Privacy Policy unless and until it is amended.

 As otherwise permitted by federal or state law.

Do Not Track

 Some internet browsers offer the user a “Do Not Track” technology.  The Do Not Track (DNT) header is the HTTP header field DNT that requests that a web application disable either its tracking or cross-site user tracking of an individual user.  At the current time, this Site does not have the capability of recognizing a “Do Not Track” request.


 The website does not automatically recognize your e-mail address. You only receive e-mail from us if you check a box indicating an interest in a particular e-list or if you provide an e-mail address for a customer service inquiry and need an answer via e-mail. We collect the e-mail addresses of those who communicate with us via e-mail and online forms, including those who specifically check a box to subscribe on our online forms (for example, request for information on this website). Any user who signs up for e-mails can unsubscribe or manage his/her subscription by linking to the personal URL e-mailed to all subscribers. Every e-mail sent also includes information about how to stop receiving e-mails from us.

 We do not share the e-mail addresses we collect with similar benefits organizations.

Links to Other Sites

 For the convenience of our visitors and customers, this website may contain links to other sites. While we generally try to link only to sites that share similar high standards and respect for privacy, we are not responsible for the content, products or services offered or the privacy and security practices employed by these other sites.

 AGIA is not responsible for the content or privacy practices of linked websites or their use. Once you leave the Site using an external link, you should refer to those websites’ privacy policies, terms of use, and practices in order to evaluate how they will handle any information they collect from you.

Questions About Your Information

If you have any questions, concerns, or complaints about this Privacy Policy in general or questions related to your personal information, please contact AGIA customer service at (800) 424-5181, via e-mail at, or, if you would prefer to communicate with us by regular mail, please use the following address:

AGIA Affinity
Office of Administration
P.O. Box 26450
Phoenix, AZ 85068

To protect your privacy, any personal information we obtain from you is protected using the best available technology. Your product information requests are encrypted when sent to our customer service center for fulfillment; we use a secure server to safeguard the information you provide to us when asking a customer service question and when you enroll online; and all online enrollment information fulfilled by our customer service center is protected by Secure Socket Layer (SSL) technology to ensure your data is encrypted and safe from view by unauthorized parties.

In order to ensure secure web pages in your browser using SSL, we’ve acquired a security certificate from one of the Internet’s leaders in secure web technology verification. The Security Certificate SecureSite seal ensures that we are handling all of your transaction information securely and with the utmost care.

California Consumer Privacy Act and California Privacy Rights Act: Privacy Policy for California Residents

  This section of the Privacy Policy describes the rights of California residents under the California Consumer Privacy Act of 2018 (“CCPA”) and the California Privacy Rights Act of 2020 (“CPRA”). The CCPA and CPRA requires that we provide privacy information to California residents and we use this separate section to ensure compliance with the CCPA and CPRA requirements. This section applies solely to natural persons residing in California (“Consumers”), and does not apply to individuals living elsewhere, businesses or other corporate entities.

Sale of Personal Information

  Personal Information is information that identifies, relates to or could reasonably be linked with a particular California resident or household. We do not sell your personal information.  The CCPA and CPRA requires disclosure of this fact.

Your Rights Under the California Consumer Privacy Act and California Privacy Rights Act

Right to Confirm or Access Information

  You may have the right to confirm whether we process certain information or what information we process, and to obtain a copy of that information in a format that allows you to transmit the information to another business without difficulty.

  Once we receive and confirm your identity and verifiable consumer request, we will disclose to you the following at your direction (with various exceptions):

a)  The categories of personal information we collected about you in the last 12 months;

b)  The categories of sources for the personal information we collected about you in the last 12 months;

c)  Our business or commercial purpose for collecting or selling that personal information;

d)  The categories of third parties with whom we share that personal information;

e)  The specific pieces of personal information we collected about you;

f)  If we sold or disclosed your personal information for a business purpose a list of the personal information types that each category of recipient purchased; and

g)  If we disclosed your personal information to a third party for a business purpose, a list of the personal information types that each category of recipient received.

Right to Delete Personal Information

  You have the right to request that AGIA delete any of your personal information we collected from you and retained, with certain exceptions. You will need to submit a valid and verifiable request so AGIA can confirm your identity and/or authorization to make such a request. AGIA will determine if retaining the information is permitted or required under the law. If no retention conditions apply, we will delete your personal information from our records and direct any Service Providers to do the same.

Right to Correct Personal Information

  Taking into consideration the nature of the personal information and the purposes of the processing of your personal information, you may have the right to correct inaccuracies in such information. Upon submission to AGIA of a valid and verifiable request where your identity and authorization can be confirmed, AGIA will use all reasonable efforts to correct the inaccurate information.

Right to Limit Processing of Sensitive Personal Information

  AGIA processes sensitive personal information only as necessary in performance of our services to ensure the security and integrity of your information or as otherwise specified under regulation. Because AGIA does not process your sensitive personal information for other purposes, there is not a mechanism for you to limit the processing of this information.

Right to Opt-Out of Profiling

  AGIA does not engage in automated processing of personal information to make decisions that yield legal or other material consequence. Because we do not engage in this processing, AGIA does not provide a mechanism for you to limit our processing of personal information in this manner.

Right to Opt-Out

  AGIA does not sell your personal information; therefore we do not provide a mechanism for you to limit our processing of personal information in such a manner.

Right to Non-Discrimination

  AGIA will not discriminate against you for exercising any of your rights under the CCPA or CPRA. Examples of discrimination could be charging you inflated rates by imposing penalties or granting discounts or other benefits, denying you goods or services or providing you a different level of quality of goods or services.

  Any acts of discrimination are prohibited by the CCPA and CPRA and AGIA will not engage in them.

Personal Information We Collect, Sources and How We Use It

  In our Privacy Policy, sections titled, “Personal Information We Collect”, “How We Use Your Personal Information”, and “AGIA Personal Information Processing” outline the personal information we collect, its sources and how we use it for all consumers we interact with, including California residents. In effect, it is used to provide and manage products and services we provide and support our everyday operations, including risk management, legal and compliance requirements.

Exercising Your Rights as a California Consumer

  You, or a person authorized by you to act on your behalf, or an entity registered with the California Secretary of State and authorized by you to act on your behalf, can make a request regarding your personal information under the CCPA and CPRA. You may also make a request on behalf of your minor child.

  If you would like to exercise your right to request a copy of your personal information or your right to delete your personal information, please contact AGIA customer service by calling (800) 424-5181, by email at, or utilize regular mail by using the following address:

AGIA Affinity
Office of Administration
P.O. Box 26450
Phoenix, AZ  85068

Revisions and Notification of Changes

 We reserve the right to change or supplement this Privacy Policy at any time by posting the changes on this Site. Any changes AGIA makes to this Privacy Policy become effective immediately when the revised Policy is posted on this Site. By using this Site, you accept the terms and conditions of this Privacy Policy and you agree to review this Privacy Policy from time to time to stay informed of changes that may occur. This Privacy Policy also applies to personal information that we maintain on former customers. If we make any changes regarding disclosure of personal information to third parties, we will attempt to contact you prior to the date the modified policy is scheduled to take effect. We will post notice of the new Privacy Policy from the privacy links on our Site. Your use of the Site following such change constitutes your agreement to follow and be bound by the Privacy Policy as changed.


AGIA does not knowingly collect, use or disclose information of children under the age of thirteen (13) without the consent of their parents or legal guardians. Further, if you are sixteen (16) years of age or older, you have the right to direct us to not sell your personal information at any time. However, AGIA will never knowingly sell or share personal information of children if between 13 to 16 years of age or the parent or guardian of a consumer less than 13 years of age. This Site is not intended for children and any instance where such information was collected would be unintentional.