AIG Identity Theft & Fraud Division

• 
  Market leader in identity theft and fraud insurance products since 2001
• 
  Consumer products address identity theft, fraud/embezzlement and damage to personal computers resulting from malicious viruses
  Commercial products address identity theft liability and fraud within the plastic card payment system
• 
  Core product is AIG Personal Identity Coverage (PIC)
  100+ Master Policyholders
• 
  10 Million Insureds
• 
  Employers fastest growing segment to purchase PIC
  Mitigates potential risks of a security breach
  Interest coming from multiple industries (Food, Education, Healthcare, etc.) and companies of all sizes (100 – 50,000 employees)
  
  AIG Personal Identity Coverage (PIC)
  Up to $25,000 per employee to cover
  Lost Wages
• 
  Time away from work
• 
  Legal Counsel when needed (Civil, Criminal optional)
• 
  Reimbursement of Expenses
• 
  Credit bureau reports
• 
  Re-filing for loans, grants, or other credit/debt instruments
  Long-distance charges and mailing fees
• 
  Personalized Customer Support
• 
  24x7 Fraud Counselors On-Call
• 
  Step-By-Step Guide for quick, organized Resolution & Recovery
  Restoration Specialists as part of Full Restoration Service
  Surplus Lines, P&C product available in U.S., Canada (NY Residents Excluded)
  
  Employer/Employee Benefits
  Increased Productivity
• 
  Victims spend between 72 and 90 hours of work time due to their victimization, and 53 and 65 hours of lost vacation or personal leave time
• 
  Peace of Mind
• 
  Victims are often in unfamiliar terrain when talking to debt collectors and defending their financial integrity
• 
  Affordable protection
• 
  PIC is a low cost and easy to administer coverage for identity theft
• 
  $1,000 M&D Premium. $1.00 - $4.00 per employee/per year with optional endorsements:
  Full Restoration
  Family Options
  Computer Virus
  AIG Identity Restoration Endorsement
  
  Provide insured with a package of information which includes a description of the resolution process, educational articles, and guidance for avoiding future complications.
• 
  Notify the three major credit bureaus and provide assistance with requesting that a fraud alert be placed on the insured’s credit files and affected credit accounts.
• 
  Review the insured’s credit files with the insured to determine the accuracy of the file and potential areas of fraud.
• 
  Notify as needed, the insured's affected creditors, financial institutions, credit card companies, utility providers, and merchants of the identity fraud.
• 
  Provide information to the Federal Trade Commission (FTC), and to other government agencies as appropriate.
  When appropriate, provide assistance with obtaining and reviewing the insured's Social Security Personal Earnings and Benefits Statement.
• 
  Create and maintain a case file to document the identity fraud.

AIG Fraud SafeGuardSM
Shield Your Personal Assets
Against Fraud

A Tennessee attorney and a Mississippi securities dealer
plead guilty to 58 counts of investment fraud for their
role in a scheme that bilked 41 investors from four states
out of $10.2 million.1
57 million Americans were exposed to phishing attacks
over a 12 month period, with 19 percent of those people
clicking on the link in the phishing e-mail messages.

Victims lost an estimated $1.2 billion.

2 AIG Fraud SafeGuard Helps Protect You
Against Today’s Sophisticated Criminals
and New Risks
Criminals are using new tactics to bilk unsuspecting
victims out of millions of dollars each year.

 An FTC report shows that consumers lost more than $437 million to Internet, email and telephone scams alone not even
accounting for the millions lost due to theft, embezzlement
and robbery.
The fight against fraud is an ongoing battle as crooks
craft new ways to lie, cheat, and steal. Regardless of how cautious or prudent you may be, the threat to your assets has never been greater. Technology has enabled criminals to commit their felonies using a host of new
tactics and, unfortunately, traditional insurance protection
was never designed to cover the threats posed by 21st century con artists.

Now there’s a solution.
AIG Affinity Group ServicesSM and members of American
International Group, Inc. (AIG), offers AIG Fraud
SafeGuard — a broad-based insurance program
designed to give you financial peace of mind.

With AIG Fraud SafeGuard, you will receive a personal insurance policy designed to secure your important assets — money, securities, personal property, jewelry and collectibles.

80 Pine Street, 13th Floor
New York, NY 10005
866-826-4974
www.aigidtheft.com
85143 AMS 3.5M 10/05
AIG Fraud SafeGuard Covers

• Premium as low as $70 annually

• Backed by the strength and stability of a highly rated
AIG member company.

The policy covers personal financial losses incurred due
to various forms of fraud, embezzlement, or theft.*
Whether committed by professional caregivers, financial
advisors, individuals with a fiduciary responsibility,
domestic employees, fraudulent marketers or confidence
game operators, you can be assured that AIG Fraud
SafeGuard will protect you.
AIG Companies®
Protect yourself – and your family from becoming tomorrow’s headline with AIG Fraud SafeGuard.

AIG Identity Theft and Fraud DivisionSM

Fraud can be committed by someone unknown to you,
such as a computer hacker located outside the country
or, even more discomforting, by the very same people
you trust: Stockbrokers, Accountants, Lawyers,
Doctors, Financial Planners, Healthcare Professionals,
Contractors — and even Business Associates.
How can you be targeted?

• Checking and saving account withdrawals – If your
checkbook, debit card, or Personal Identification
Number is compromised, your account can be depleted.

• Unauthorized credit card or Internet transactions –
Identity theft is the fastest growing crime in America.
While criminals enjoy the purchases made in your
name, your credit is left in ruin.

• Theft of your personal property* – A caregiver or
domestic service provider can remove the valuables
from your home without breaking in.

• Theft of your financial assets – 401(k) savings, stocks
and bonds, safety deposit boxes and more.

• False charities – Scammers often prey on the
generosity of others to fund their criminal lifestyles.

A Primer: Today’s Identity Crimes:
Identity theft: Stealing someone's identity and using their personal details for criminal ends, such as
obtaining loans in their name.

Cloning: Adopting someone’s identity and acting out
their life using their personal details to, for example,
obtain employment.
Phishing: Sending an email claiming to be an established
legitimate enterprise in an attempt to scam the user into surrendering private information that will be used for identity theft.
AIG Companies®

How Do I Learn More?
To find out more about the program, visit www.aigfraudsafeguard.com.

* Optional Theft Coverage endorsement must be purchased to cover this.

The AIG Identity Theft and Fraud DivisionSM, a division of the property and casualty insurance companies of American International Group, Inc. (AIG), creates,
underwrites and markets insurance products and related services, which address the risks of fraud for consumers and businesses within the U.S. and
other countries. Our consumer products address identity theft, fraud perpetrated on individuals and damage to personal computers resulting from malicious viruses.

Our commercial products address identity theft liability and specific types of fraud within the plastic card payments system.

AIG is one of the world’s
leading international insurance and financial services organization, with operations in approximately 130 countries and jurisdictions. AIG member companies serve commercial, institutional and individual customers through the most extensive worldwide property-casualty and life insurance networks of any insurer.
1 “State Securities Regulators Release Top 10 Scams, Schemes & Scandals,” Annual Survey of Securities Enforcement, North American Securities
Administrators Association, 14 January 2004.

2 Tedeschi, Bob. “Reaching Customers in Era of Suspicion,” New York Times, 6 December 2004.
Insurance underwritten by member companies of American International Group, Inc. The description herein is a summary only. It does not include all terms, conditions, and exclusions of the policy described. Please refer to the actual policy for complete details of coverage and exclusions. Coverage may not be
available in all jurisdictions.

Personal
Losses Due to:
• Identity theft – online or offline
• Forgery/check fraud
• Embezzlement
• Theft from the insured’s property by someone
delivering goods or providing services*
• ATM robbery within 100 feet
• Telephone schemes
AIG Identity Theft and Fraud DivisionSM