EverSafe Review

Overview

Throughout your lifetime you’re expected to work hard, save diligently, and make smart financial decisions so that once you reach the age of retirement, you have your golden years set up to be as comfortable and enjoyable as possible. But all of those hard-earned savings can also become a beacon for scammers and thieves, and over the years there has been a steady increase in the number of seniors who have found themselves falling victim to fraud, identity theft, and even financial abuse. What should be the most stress-free and relaxing years of your life can suddenly become a nightmare if you find yourself being targeted, and in many cases, the theft and abuse can slip under the radar if you don’t have a way of actively monitoring for any suspicious activity in your financial world. This is why EverSafe was created, an all-in-one financial monitoring tool that offers both individuals, and their loved ones, an easy, efficient, and effective method for staying ahead of potential scams, threats, and fraud. The first financial wellness tool specifically created for seniors and caregivers, EverSafe is your around-the-clock “eyes” that are constantly watching your financial accounts in order to identify any suspicious activity the moment it occurs. Using advanced algorithms and innovative technology, this trusted app is able to help you stay ahead of scammers and fraudsters and can allow for swift action to mitigate potential risks and minimize any financial losses. Designed to be incredibly user-friendly, and with a dedicated remediation team who can provide on-going, personalized support, EverSafe stands as an indispensable ally in the ongoing battle against financially motivated crimes and the on-going threat of identity theft in the senior community. 

Why Choose EverSafe?

Founded in 2013, EverSafe was born into existence after the co-founder discovered that his own mother had been financially exploited and had nothing at her disposal that could assist her in preventing it from happening again. A sadly common occurrence, many seniors find themselves in this same exact position, and in recent years there has been a sharp increase in reports relating to these types of crimes, with over $3.3 billion being lost each year due to fraud, scams, abuse, and identity theft. Unfortunately, these high numbers are only expected to continue to rise as more of the population ages, and by recognizing an urgent need for protection, EverSafe has emerged as both a beacon of hope and a powerful solution to combat financial exploitation among seniors.        

While it may be near-impossible to completely eliminate financial crimes from occuring, one of the best methods of protection is early identification, as the longer a victim is exploited, the greater the damage it will cause. Thankfully, EverSafe is able to step in and provide around-the-clock monitoring so you don’t have to do it yourself, and it can ensure that any suspicious activity is noticed in real-time, and then alerts the user so immediate action can be taken. By constantly scanning and analyzing financial accounts, credit reports, and transactions to identify any signs of fraud or exploitation, this powerful tool goes beyond mere monitoring and in addition to giving you up-to-date notifications, it also offers comprehensive solutions should anything ultimately be detected. 

Giving you tailored financial protection, EverSafe wants to prepare you for the unexpected and their customizable smart alerts will highlight everything from changes in normal spending to usage of dormant credit cards. Incredibly comprehensive, and spanning all aspects of your financial world, EverSafe ensures that no stone is left unturned when it comes to protecting your interests and its all-encompassing approach will equip you with the correct tools and insights so you can navigate your finances confidently and avoid potential impacts with ease. 

How Does It Work?

Designed specifically for seniors and their caregivers, EverSafe is intended to be an easy-to-access solution that doesn’t require any real tech skills, or previous experience with on-going financial monitoring. Impressively user-friendly, it works automatically as a personal detection and alert system and it utilizes a 4-step system that can effectively stop exploiters in their tracks, before they’re able to deplete your hard-earned savings. Through its proprietary technology, EverSafe will deliver unmatched protection for you, your family, or your clients, and it does this by building a personalized profile based on your real financial history and past activities. Once established, this profile can then be used to detect any suspicious behavior that deviates from what’s normal, leading to immediate alerts that are then sent to you, a trusted friend or family member, and the expert team behind EverSafe. 

• Analyze

The first step in EverSafe’s proprietary monitoring system is to understand your historical financial behavior in order to better identify when something in your accounts seems amiss. What regular deposits do you typically receive on a weekly/monthly/annual basis? What are your common spending habits? Which credit cards do you actively use and which ones are dormant? What are the regular bills that you have? By answering these questions, EverSafe can then begin analyzing the day-to-day activity across all of your financial accounts, and it does this silently in the background, without requiring any extra effort from you. 

• Identify

Once EverSafe thoroughly understands what’s normal and what’s out-of-the-ordinary, its proprietary technology can then begin looking for any anomalies that may start to appear throughout your accounts. New monthly bills, late payments, missed deposits, excessive spending, or dormant credit cards being charged are some of the main activities that will trigger a red flag in your account, and this is how EverSafe is able to catch potential fraud and abuse in its earliest stages. 

• Alert 

If suspicious activity is identified by EverSafe, you will immediately be alerted to what has been found by email, text, phone, or through the free app. You can also add a trusted advocate to your account, such as a family member, caregiver, or other professional in your life, and they will be alerted alongside you whenever an anomaly appears. As an extra layer of protection, the actual account numbers and card numbers won’t be visible inside your EverSafe account, so adding a trusted advocate won’t give them access to your personal information, it will only allow them to be of assistance should an issue arise that needs to be resolved. 

• Resolve

Early detection is one of the greatest tools you have at your disposal, as it prevents fraudsters from having unfettered access to your finances. However, should it be determined that you have been the victim of a scam, abuse, or theft, EverSafe will step in and provide you with all of the tools and insight necessary to undergo the resolution process. With a team of remediation experts available, EverSafe will help you to create a personalized recovery plan and they may even cover any expenses that are lost as you go about recovering your stolen identity. 

Key Features

EverSafe is an impressively intuitive platform that truly packs a lot of amazing and beneficial features into its design. From its user-friendly interface to its expansive range of monitoring capabilities, it has seamlessly integrated cutting-edge technology with a deep understanding of user needs, and this has made it a top choice for seniors, as well as families and caregivers alike. Intended to be as hands-off as possible, and with full automation built right in, EverSafe puts an emphasis on creating a hassle-free experience where users can set up their accounts, customize their preferences, and receive real-time updates with ease. Some of the key perks and features that are available through this robust and secure app include things such as:

• Personalized Alerts

Instead of simply sending generalized alerts to each user based on a standardized set of criteria, EverSafe goes in-depth to learn your unique spending habits so that you can receive fully tailored alerts based on your own historical financial data and behaviors. You can also personalize how those alerts are received, by opting for either email, text, phone or app notifications depending on your preferences. 

• Consolidated Family Dashboard

EverSafe may be geared towards protecting seniors, but that isn’t the only group of people who can benefit from their services. In fact, you will have the ability to create accounts for all of your family members in order to achieve robust monitoring capabilities, and you can consolidate all of the accounts into a single dashboard for easier management.

• Monitoring for All Accounts

Covering everything from your credit cards to your account balances, EverSafe monitors all aspects of your financial world and their impressive capabilities will constantly be on the lookout for any suspicious activity across all your cards, bank accounts, investments, and retirement accounts.  

• Property Monitoring

In addition to keeping a watchful eye over all of your financial accounts, EverSafe will also monitor any property you have in order to detect potential changes that are initiated without your permission. Changes to real estate titles, lien changes, and other related suspicious activities will also generate immediate alerts for you, ensuring your property remains protected at all times. 

• Credit Reports & Monitoring

When it comes to identity theft, it isn’t just the actual financial impact that can leave lasting consequences, it’s also the effect it can have on your credit history should a thief begin using and abusing credit in your name. To help identify a potential concern as quickly as possible, EverSafe includes regular credit reports and credit monitoring alongside some of their packages, and with the Gold plan, you can even receive updated credit scores so you know nothing is amiss. 

• Dark Web Scanning

Financial account monitoring is one of the main methods EverSafe uses to help keep you safe, but for an extra layer of security they also include on-going dark web monitoring in case your personal information happens to be leaked by a cybercriminal. The dark web is a go-to resource for those looking to commit identity theft crimes, and having constant monitoring will ensure that if your accounts, passwords, or other sensitive data is leaked then you can get ahead of it by taking swift action. 

Plans & Pricing

To help keep EverSafe affordable, especially for Seniors who may be on a tighter budget, EverSafe has developed 3 comprehensive plan options which allow you to balance your security needs against how much you’re able to pay. Starting with their Essentials subscription, this affordable tier starts at only $6.39/month (on an annual plan), and it delivers on-going monitoring for your credit cards, debit cards, bank accounts, and even the dark web. The Essentials plan also allows for you to include caregiver support for extra monitoring assistance, and is a great base option for budget-conscious users who are hoping for long-term peace of mind. 

Moving up from the Essentials plan, you then have your Plus and Gold options, both of which expand the features you can tap into and include credit monitoring, identity theft monitoring, and fraud remediation support should you discover you’ve been the victim of a scam or financial abuse. Both of these tiers are more expensive than the Essentials option, however, they still remain affordably priced and offer extra savings for those who opt to enroll annually or who are over the age of 60. To see the full breakdown of all 3 subscriptions, and to compare the pricing and features, you can check out the in-depth chart below:

Bottom Line

If you’re a senior who’s concerned about the possibility of fraud, or a family member who wants to ensure your aging loved one isn’t being take advantage of, then it’s important that you are utilizing powerful technology like EverSafe - an easy-to-access app that can guard against fraud, identity theft, and other age-related issues. By constantly monitoring and tracking activity across your accounts, EverSafe acts as an integral first line of defense and it can effectively identify suspicious activities and then provide you with an immediate alert, as well as remedial services. Completely customized to each user, and with privacy and security as a top priority, this trusted and popular platform offers unparalleled protection for all of your accounts, cards, and properties and ensures you are able to minimize the financial impact should a crime occur. To learn more about what EverSafe can do for you, or to sign-up for a free 30-day trial period, head on over to their website today and see for yourself how you can embark on a worry-free journey towards true financial peace of mind.