Death is a part of life. Unfortunately, some conniving fraudsters will use this time of grief and sadness to take advantage of a bereaved family, using the identity of the deceased for their own personal gain. It pays to be proactive in protecting yourself and your loved ones during this extremely vulnerable time.
We’ve spent countless hours testing identity theft solutions, and we’ve narrowed it down and compiled the top three protections for the deceased.
There are several ways a deceased person’s identity could be stolen. Identity thieves will often browse the obituaries section of newspapers for personally identifying information of the recently deceased, or they’ll search social media websites for bereavement announcements.
Another favorite tool of identity thieves is the Social Security Administration’s Death Master File, also known as the Social Security Death Index. This is a database of reported deaths, and it’s considered a public document accessible to anyone under the Freedom of Information Act. Bad actors will use the information they’re able to glean here to begin assembling a false identity of your loved one for their own personal gain.
Once a fraudster assumes the identity of the deceased, they can take over accounts and other financial assets or steal medical information. They might also falsely claim to be an executor of the deceased so that they can gain access to government benefits.
Did You Know: There are more than 6.4 million active U.S. Social Security numbers for people over the age of 112. If that doesn’t sound right, it’s because it’s not. The vast majority of these numbers are being used by fraudsters who have stolen the identity of a deceased individual.
Regardless of how these fraudsters gain access to the deceased identity, it’s a headache you don’t want to have to deal with on top of the grief you’re already experiencing. Protect yourself from this awful situation with one of our top-three identity theft protection services for the deceased.
Identity Guard is consistently our top-rated service for a reason. Their proactive stance against identity theft coupled with their utilization of IBM’s Watson artificial intelligence platform give them a competitive edge in blocking bad actors from accessing the identity of your deceased loved one. When we reviewed Identity Guard we found an impressive list of features that cover everything from credit monitoring to a robust restoration plan. Before we talk about how they can help, let’s take a look at their pros and cons.
Identity Guard offers impressive coverage, but we want to highlight their family plan which covers everyone living under one roof. This is important for folks with elderly parents who may be approaching end-of-life. When a loved one passes, you don’t want to be concerning yourself with contacting credit bureaus and banks — let Identity Guard handle these protections for you.
And their list of protections is extensive. They offer triple-bureau credit monitoring, financial account alerts of all types — including retirement and investment accounts — as well as home title monitoring. Those last two items are particularly important for individuals who’ve had a family member pass recently. While going through their estate, you don’t want to find out that accounts have been drained or a home equity loan has been taken out in their name.
Did You Know: Identity theft of the deceased can also be called “ghosting.” It’s one of the most insidious forms of identity theft — preying on families when they are the most vulnerable.
Like we said before, their offerings are comprehensive. Our breakdown of Identity Guard’s tiers of service will give you a better idea of which protection plan is right for you and your loved ones.
With a heavy focus on cybersecurity protections, NortonLifeLock can ensure your family member’s information will never get into the wrong hands. Let’s give a quick look at NortonLifeLock’s pros and cons, and then we’ll unpack why they might be a good choice for your recently deceased loved one.
When we reviewed NortonLifeLock we were immediately impressed by their extensive list of functionality, and their prioritization of their subscriber’s cybersecurity. They offer everything from password managers to antivirus software to virtual private networks (VPN) to keep your online activities secure.
While this might not sound important for directly protecting the deceased, hackers will use any means necessary to break into their accounts. By hardening your network, you can be sure that the recently deceased’s data will remain secure.
Did You Know: VPNs work by spoofing your physical location and routing your internet traffic through non-local servers. For all intents and purposes, this makes it extremely difficult for hackers to pin down your location and makes it virtually impossible to break into your network.
This company’s offerings are extensive, so we’ve drawn up a guide to NortonLifeLock’s pricing and protections to help you get your arms around what they’re bringing to the table.
IdentityForce is a great service for all-around identity protection for the deceased. They offer comprehensive core services as well as some bonus features like financial planning resources and credit score simulators to round out their functionality. Before we get into why they’re a great choice for protecting the deceased, though, let’s take a look at the company’s pros and cons.
When we tested and reviewed IdentityForce, we found they do an excellent job with the core functions of an identity theft protection services. They offer various financial account monitors, multi-bureau credit protections, and robust dark web scanning. Their bonus features aren’t anything to discount, either. They offer some of the best social media monitoring in the industry and financial planning tools to boot.
However, the reason they’re included on our top-three list is the fact they specifically offer fraud remediation for deceased family members. This is a unique offering and one we don’t see that often. This service alone makes IdentityForce an excellent choice for anyone dealing with the death of a loved one.
This comprehensive protection will shield the recently departed from identity theft, but will also help in the restoration of the stolen identity of a loved one who became the victim of fraud after they passed away. One caveat, though — to be eligible, they need to be enrolled in an IdentityForce Family Plan before the time of their death.
The company offers a number of services, so we’ve drawn up a guide to IdentityForce’s pricing, plans, and protections for you to review in your consideration of which protections might be best for you.
The best way to protect your deceased loved one is to enlist the help of an identity theft protection service like those mentioned above. In lieu of that, though, there are some other ways you can help prevent their identities from falling into the hands of fraudsters.
First, be careful about how much information you’re putting out there. For example, in the obituary, you don’t want to include items like the deceased’s date of birth. It’s unfortunate, but many obituaries provide identity thieves a great head start in piecing together a deceased individual’s identity. You should also avoid making public posts on social media accounts about someone’s passing. Instead, notify people individually.
You should also notify the credit bureaus once your loved one has passed, and check the deceased’s credit report for any unusual activity. If anything looks suspicious, it’s likely that identity thieves have already used your loved one’s information for fraudulent purposes. You’ll need to contact the identity theft protection service you are using or work with the credit bureaus to resolve the issue.
You should also contact all credit card companies, financial institutions, insurance brokers, stockbrokers, or anyone else who had dealings with the deceased and notify them of that person’s death.
Other proactive measures to protect the identity of the deceased can include putting a credit freeze on the deceased’s credit files and asking the monitoring bureaus to place a “do not issue credit” flag on the deceased’s report. You should also contact the department of motor vehicles and cancel the deceased’s driver’s license. Finally, shut down all their social media accounts and digital assets.
Did You Know: A service that offers credit file access and credit monitoring can help to protect you and your loved ones from identity theft.
The signs that a deceased loved one’s identity has been stolen are very similar to the signs that are present when a living person’s identity has been stolen, but they might not be as readily apparent.
It may be difficult, but you need to be particularly diligent after a loved one passes. This is when identity thieves know you, your family, and your loved one’s friends will be the most vulnerable. It might be hard to believe, but particularly insidious identity thieves have been known to show up at the funeral or seek out those closest to the deceased in attempts to fish for information. Be particularly guarded when discussing the affairs of the deceased — particularly with individuals you don’t know personally.
The passing of a loved one is always difficult. You don’t want an already sad and stressful period of time to become further complicated by identity theft. By taking precautions, you can assure your family member will truly rest in peace.
And finally, before getting into the different features to look out for, remember to check out our highest-rated identity theft protection services. You’re sure to find a good fit.
Payday Loan Monitoring is fast-becoming a top feature for those looking to protect their deceased loved one’s identity. After all, a criminal only needs an active bank account, an ID, and proof of income to apply and secure a high-interest payday loan. With payday loan monitoring, you can fend off fraudsters and rest a little easier in this difficult time.
Black Market Surveillance is another powerful feature to protect your late loved one and yourself. The technology monitors thousands of criminal websites, chat rooms, and databases for their sensitive info. From SSN’s and driver’s license numbers, to email addresses and everything in-between — this service will alert you at the first sign of foul play. After all, knowing is half the battle.
There’s no denying that cybercriminals are social savvy. So it’s a wise move to find an identity theft protection service that offers social media monitoring. This helpful feature is especially important for the recently deceased, as criminals are lurking these platforms just waiting for an easy target. Another smart move is to deactivate their social accounts as soon as possible.
Here’s a high-tech feature that could save you from confusion and financial loss in these hard times. The dark web is a stronghold for cybercriminals where they buy, sell, and trade stolen identities. So Dark Web Monitoring is the ideal solution to counteract the attacks. It monitors these hacker havens and alerts you if your deceased loved one’s info is found.
It’s important to invest in identity theft protection for a family member who has passed away. But not just any service will do. Look for features like Bank Account Takeovers. The truth is, your loved one’s financials and credit cards could be at risk, even after their passing. Put an iron cage around their accounts with Bank Account Takeover protection.
Another sophisticated feature, Court Record Monitoring continually scans public court records for your late loved one’s sensitive information. Because some criminals stop at nothing to avoid arrest. They’ll claim a false identity — often the identity of the recently deceased — to sidestep a trip to the slammer. So be aware of this dirty tactic and beat it with Court Record Monitoring.
The thought of it alone will turn your stomach. Some sex offenders steal and claim the identity of the deceased in order to secure jobs, homes, cars, you name it. But with this feature, your ID theft protection service monitors the national sex offender registry database to ensure your loved one’s identity isn’t being used by a pervert or predator.
A simple alert can save you countless headaches. Credit Activity Alerts are a staple feature offered by identity theft protection services for the deceased. Be the first to know if a suspicious charge is made to your deceased loved one’s credit cards. You’ll also get credit report monitoring, as changes to their credit status is a telltale sign of fraud.
Fraudsters love social security numbers — especially the SSN’s of the deceased. That’s why SSN Monitoring is a valuable feature with any ID theft protection service. Rest assured this advanced technology combs through millions of internet data points searching for your late loved one’s SSN being used fraudulently. And of course, you’ll be notified at the first sign of suspicious activity.
Derek Prall is a VPN and cybersecurity expert with more than seven years of experience in the industry. He has spent thousands of hours researching identity theft protection, VPNs, and other ways to keep safe online. To date, Derek has written nearly 100 comprehensive resources for SafeHome.org. As a professional journalist, he has contributed to reputable publications such as TD Magazine, New Jersey Herald, and many others. Learn more about Derek here