Separate assistance from reimbursement
Identity recovery assistance may help with the work of restoring an identity. Insurance wording addresses defined events, expenses or losses. Monitoring is another service. The NAIC's consumer guidance explains identity recovery costs; it is not a promise that a product reimburses stolen money.
Ask for the actual service description and policy wording. A marketing label such as identity protection or personal cyber does not settle these questions.
Use a comparison checklist
| Compare | Ask |
|---|---|
| Event | What must happen for assistance or insurance to respond? |
| Expense or loss | Does it address recovery costs, stolen funds, account restoration or another defined item? |
| Household | Which adults, children or other household members are eligible? |
| Limits | What deductible, sublimit, waiting period or exclusion applies? |
| Response | Who handles a report, and when must it be made? |
Start with what you already have
Ask the professional who handles your existing policies whether any relevant endorsement or service is already included. Separately check any protection provided by your financial institution or another service. Do not cancel or replace existing protection based on a general online guide.
Explain the concern in ordinary language: a scam transfer, someone opening an account in your name, a hacked account or impersonation. Different facts may require different reviews.
Keep the first conversation private and simple
A first LunarQuote profile needs high-level concerns and contact/location information. It does not need Social Security numbers, passwords, bank details or private documents. Sharing with participating specialists is optional, and a connection is subject to verified availability.
LunarQuote does not currently sell a Lunar-branded personal insurance policy. A licensed professional is responsible for advice, available products, applications and quotes.
Primary sources
Sources provide general context. The checklists and examples are LunarQuote educational material. An insurer reference does not imply a LunarQuote partnership, appointment or endorsement.
A clear next step
Save a high-level profile. A specialist connection depends on verified availability and your consent.
Create a personal profile →