A Pledge To Protect the Deceased From Identity Theft and Fraud

Beneficiary Companion®

Identity theft after death is a widespread and unfortunate issue that many grieving loved ones must grapple with. This is why we created Beneficiary Companion – because we also know that it can be painful and difficult for beneficiaries to jump to the mountain of tasks required to help prevent it. With Iris, they can focus on healing, while we focus on keeping their loved one’s identity secure.

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Why Beneficiary Companion?

At a time of loss, we understand that the last thing survivors want to have to deal with is the theft or fraudulent use of a deceased loved one’s identity. Reduce their risk and your burdens with our beneficiary companion service. A dedicated beneficiary assistance coordinator is available 24/7 to put measures in place to help prevent fraud of the deceased’s identity in addition to handling the multitude of administrative details like time-consuming phone calls and stressful paperwork. Let us to help protect your loved one’s financial affairs while you focus on the healing process.

  • Guidance

    Guidance

    Iris' Beneficiary Companion service offers the following types of support:

    • Guidance on how to obtain death certificate copies (necessary for performing final notifications)
    • 24/7 live support and counsel from a dedicated Beneficiary Assistance Coordinator
    • The Beneficiary Companion Guidebook that serves as a handy reference tool for beneficiaries navigating the aftermath of a loved one’s death
  • Assistance

    Assistance

    Dedicated Beneficiary Assistance Coordinators manage the assistance process which includes notification to the Social Security Administration, credit reporting agencies, credit card companies, banks and other financial institutions, third-party vendors, and government agencies.

    Social Media Shut Down

    In an increasingly digital world, it’s more common than ever for loved ones to have an active social media presence. However, it can be an emotionally painful and time-consuming process to bring closure to those accounts. Our coordinators can work with the beneficiary to:

    • Discontinue access to a loved one’s social media accounts
    • Assist with memorialization of eligible accounts to preserve a loved one’s digital profile
  • Identity Protection & Fraud Resolution

    Identity Protection & Fraud Resolution

    Iris' identity protection services give beneficiaries additional peace of mind by providing guidance on how to protect their loved one’s identity as well as resolution assistance in the event of identity theft. Services include:

    • Review of credit report with the beneficiary
    • Assistance with closure of the deceased person’s credit report or a freeze/closure of the account with credit bureaus
    • Full-service resolution assistance should there be an incident of identity theft, including affidavit assistance, credit bureau and fraud department notification, help filing police report, creditor follow-up, and other services

Guidance

Iris' Beneficiary Companion service offers the following types of support:

  • Guidance on how to obtain death certificate copies (necessary for performing final notifications)
  • 24/7 live support and counsel from a dedicated Beneficiary Assistance Coordinator
  • The Beneficiary Companion Guidebook that serves as a handy reference tool for beneficiaries navigating the aftermath of a loved one’s death

Assistance

Dedicated Beneficiary Assistance Coordinators manage the assistance process which includes notification to the Social Security Administration, credit reporting agencies, credit card companies, banks and other financial institutions, third-party vendors, and government agencies.

Social Media Shut Down

In an increasingly digital world, it’s more common than ever for loved ones to have an active social media presence. However, it can be an emotionally painful and time-consuming process to bring closure to those accounts. Our coordinators can work with the beneficiary to:

  • Discontinue access to a loved one’s social media accounts
  • Assist with memorialization of eligible accounts to preserve a loved one’s digital profile

Identity Protection & Fraud Resolution

Iris' identity protection services give beneficiaries additional peace of mind by providing guidance on how to protect their loved one’s identity as well as resolution assistance in the event of identity theft. Services include:

  • Review of credit report with the beneficiary
  • Assistance with closure of the deceased person’s credit report or a freeze/closure of the account with credit bureaus
  • Full-service resolution assistance should there be an incident of identity theft, including affidavit assistance, credit bureau and fraud department notification, help filing police report, creditor follow-up, and other services
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I was surprised at the amount of time and effort needed to finalize my father’s affairs. I ended up taking several days off work when I really wanted to sit in a quiet corner and remember his life. Having someone to help me with this would have been great.
Kaila Terrell
Survivor dealing with father’s passing

Enhance Your Insurance Policies

While emotional counseling and funeral concierge services are common complements to life insurance programs, they still leave beneficiaries on their own to deal with the confusion and hassle of trying to close out a loved one’s affairs. The personal, hands-on service of our Beneficiary Assistance Coordinators is unique and fills the gap that these services don’t provide.
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Benefits To Consumers

  • Provides supportive guidance and assistance during a difficult time
  • Enables beneficiaries to focus on grieving and spending time with their family and loved ones
  • Relieves beneficiaries of the stress of time-consuming paperwork and details
  • Proactive protection and full-service resolution in case of identity theft

Benefits To Insurance Companies

  • Enhances existing life insurance product
  • Generates additional revenue
  • Differentiates your product through a unique & customer-friendly service
  • Reinforces your image as a caring & trusted partner to your customers

Frequently Asked Questions

What is Beneficiary Companion, and what problem does it solve for my customers?

Beneficiary Companion from Iris® Powered by Generali is a dedicated post-loss support service that handles the administrative burden of closing a deceased loved one’s affairs and protects their identity from theft and fraud.

Who does Beneficiary Companion help?

Beneficiary Companion can be used by the executor of the estate when a loved one passes away, or by the executor of a Beneficiary Companion customer’s own estate after they pass. In either case, the person contacting Iris must have legal authority to manage the deceased’s affairs.

 

How does Beneficiary Companion protect against identity fraud after death?

Deceased individuals are a frequent target for identity thieves looking to fraudulently open credit lines, obtain loans, and claim tax refunds. Iris’ service addresses this by reviewing the deceased’s credit report with the beneficiary, assisting with suppressing or freezing the credit file with all major bureaus, and providing full-service fraud resolution – including affidavit assistance, help filing police reports, and creditor follow-up – if identity theft occurs.

 

What administrative tasks does Iris handle on behalf of the beneficiary?

A dedicated Beneficiary Assistance Coordinator manages notifying the Social Security Administration, credit bureaus, financial institutions, government agencies, and third-party vendors. Through the service, the beneficiary receives Iris’ Beneficiary Companion Guidebook to help them navigate the entire process. The service is also backed by 24/7 live support.

How would Beneficiary Companion differentiate my insurance or financial product?

While insurance companies or financial counseling services may offer emotional counseling and support through EAP programs, they often still leave beneficiaries to manage the practical chaos of closing a loved one’s affairs on their own. Beneficiary Companion fills that gap with hands-on, administrative relief that those services don’t provide. It enhances your existing product, generates additional revenue, and reinforces your brand as a caring, trusted partner to customers during one of the most difficult moments of their lives.

How does Beneficiary Companion handle a loved one’s social media accounts after death?

As more people maintain an active digital presence, closing or memorializing social media accounts after a death has become an increasingly common and emotionally difficult task for families. Iris’ coordinators will work directly with the beneficiary to discontinue access to the loved one’s social media accounts and assist with the memorialization of eligible accounts, preserving their digital legacy with care.

How can my business deliver Beneficiary Companion to customers?

Beneficiary Companion from Iris is a live support service and can be added to any identity and cyber protection program, regardless of the delivery method. To offer the service, Iris partners will need to select the enrollment method to provide their customers with access. Interested in offering your customers meaningful support at the moment it matters most? Let’s talk.

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