In this economic landscape, most companies are looking for a competitive edge to bring value to a customer. It is important to attract and retain clients, and offering unique components to an existing policy helps accomplish this. In addition, it is an act of good faith for the insureds. 

Instead, it can also be looked at as a supplemental income stream for the company. 

There are many applications for the products we represent.  There are P&C companies adding the traditional program to their Home Owners policies as either an upgrade or a new policy feature.  There are P&C companies adding the commercial program as a feature on a BOP or GL policy for businesses that house proprietary and/or personal information.  This mitigates the companies’ liability should a breach occur.  There are Life and Long Term Care companies adding the beneficiary assistance product to standard individual or group life or long term care policies.  And finally medical companies can add it to their health plans to help in mitigating the ever-growing problem of medical identity theft.