Identity Theft Services and Credit Monitoring

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 a robust and fully integrated protection program, combining insurance coverage with fully integrated prevention and restoration services. Identity Services and Fraud Expense Coverage is a 3-tier protection program with the following components:

• Insurance Coverage with up to $25,000 Identity Theft Expense Reimbursement Coverage
• Prevention and educational services including: 
  1. Identity Credit Monitoring Services (SM) (up to two persons per policy)
  2. Weekly news alerts and a wealth of education
• Identity Resolution services which are fully customized expert resolution until your good reputation is restored including: 
  1. Personalized one-on-one Identity Theft Resolution
  2. Personalized one-on-one Identity Document Recovery 

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

With your current Identity Services and Fraud Expense Coverage, you can receive complimentary credit monitoring for up to two members of your household through CyberScout™, a TransUnion brand. The monitoring program looks for credit score inquiries, requests for new credit, and other activity affecting your credit files, notifying you immediately via email of any changes. If any fraudulent activity is discovered on your credit file, a fraud specialist is on stand-by to resolve any issues. 

Note: You cannot sign up for credit monitoring until Identity Services and Fraud Expense 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 complimentary credit monitoring.

You have access to complimentary identity theft resolution services, if you’ve been victim of an identity theft or account takeover. These services are also available if your identity may have been compromised, such as a lost or stolen wallet or you’ve received a security breach notice. As soon as your eligibility is verified, you’ll be connected to an experienced fraud specialist, who will provide unlimited assistance until your problem is resolved. Your fraud specialist will identify your specifics needs, develop a customized step-by-step plan, and provide guidance to resolve and prevent future incidents. Your fraud specialist will handle the phones, paperwork, and much more on your behalf. 

If you have a Farm Bureau Member’s Choice policy with property and/or liability coverage, you may purchase the coverage for just a few dollars a month. If you have auto coverage only, your policy does not qualify at this time.

1. Call your agent and they can add the coverage to your policy, or
2. You can sign up online.  If you decide to do this option, you will need to:

1. Log on to www.fbfs.com using your username and password.  

2. Once you’ve logged in, click on “Policies & Investments,” and select your Farm Bureau Member’s Choice policy.

3. Click on the “Add Identity Theft” link and you’ll go to a page that provides more details about the coverage if you want to learn more about it. 

4. Simply click on “Enroll” and the coverage will be added.

Note: It can take up to two business days for the coverage to appear on your policy. At that time, you will receive an updated declaration page reflecting the addition of the coverage on your policy.

If you have difficulty with these steps, please call Farm Bureau Financial Services’ online support center at 866-399-3237, press 1 for client/members, then 3 for website assistance.

With your current Identity Services and Fraud Expense Coverage, you can receive complimentary credit monitoring for up to two members of your household through CyberScout.

1. Log on to www.fbfs.com using your username and password.  If you don’t already have account access, please refer to the prior FAQ to register for account access.  
2. Once you’re logged in, click on “Policies & Investments,” and select your Farm Bureau Member’s Choice policy.
3. Click the link that says, “Add Credit Monitoring”. 
4. Select the names of the individuals you would like to enroll (maximum of two per policy) and enter their email address. 
5. Click “Enroll”. 
6. Then click “Enroll” in the popup to agree to add credit monitoring. 

If you have difficulty with these steps, please call Farm Bureau Financial Services’ online support center at 866-399-3237, press 1 for client/members, then 3 for website assistance.

Note: You cannot sign up for credit monitoring until Identity Services and Fraud Expense 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 complimentary credit monitoring.

If you currently have Identity Services and Fraud Expense Coverages, you will receive an email, within 24 hours of enrolling in credit monitoring, from CyberScout containing an activation link to the enrollment website. Click on the link in that email and follow the instructions to complete your enrollment. Once you’ve completed the verification process, your credit monitoring will be activated. Once you’ve enrolled yourself, you can send the enrollment offer for credit monitoring to a second household member. Login to your CyberScout dashboard and go to manage my account to add the information for the secondary member. The secondary member will receive a separate email to activate. 

If your Identity Services and Fraud Expense Coverage has a future effective date and you enroll in credit monitoring, you will not receive the activation email until your coverage effective date. Otherwise, if you didn’t get an email, it is possible the SPAM blocker on your personal computer will re-route or block the email. You should check your SPAM folder to see if the email was re-routed there. If not, you can contact CyberScout at 844-548-0239 for assistance and to have the email resent to you. 

Unfortunately, if you don’t have an email account, you cannot receive the credit monitoring service portion of the Identity Services and Fraud Expense Coverage. The only mechanism CyberScout (the company that monitors your credit report) uses is email. CyberScout will send emails to notify you of any activity on your credit report. If you don’t have an email account, you will not receive notification and the service would not be beneficial to you.

You should call your Farm Bureau agent or the Farm Bureau Financial Services' Customer Service Support at 1-866-399-FBFS  

You can find articles and tips on avoiding identity theft in the Learning Center.

We partnered with CyberScout, a TransUnion brand, the industry’s leading provider of identity fraud management services to provide one-on-one expert resolution assistance for people caught in a wide range of identity compromising situations, not only to identity theft victims. CyberScout was founded by seasoned executives with backgrounds in credit and financial services, law enforcement and consumer advocacy. They offer innovative fraud solutions and consumer education. Through this partnership and with your Identity Services and Theft Expense Coverage, you’ll have access to a highly experienced fraud specialist who becomes the personal advocate for you, cutting through the red tape and handling all of the work on your behalf. Simply call Farm Bureau Financial Services' Customer Service Center at 1-866-399-FBFS  to be transferred to a fraud specialist from CyberScout.