What is identity fraud costing you?
Size your fully-loaded fraud-loss exposure and the recovery you could transfer to an insurer. Adjust the inputs to match your book.
Estimate only. Coverage and premium are contingent on underwriting and approval.
How the estimate is built
Transparent assumptions, industry sources, no black box.
Direct loss
New accounts per year × estimated fraud rate × average exposure per account. The face value of fraud before the costs it drags behind it.
4.41× fully-loaded cost
Every dollar of fraud costs far more than its face value once you add fees, interest, labor, chargebacks, and remediation. We apply the LexisNexis True Cost of Fraud™ multiplier of 4.41× to reach fully-loaded exposure.
Insured recovery (55–80%)
Not all loaded exposure is insurable in every book. The estimate shows a conservative-to-optimistic recovery band on the fraud loss Instnt can underwrite.
9.3× sample premium return
On an illustrative book, recovered loss runs roughly 9.3× the premium. Your actual premium depends on underwriting — this sizes the order of magnitude, not a quote.
Sources: LexisNexis True Cost of Fraud™ Study (4.41× multiplier). Recovery band and sample premium return are illustrative and vary by institution. This tool produces an estimate only; coverage, premium, and claims are contingent on underwriting and approval, and backed by Munich Re and Swiss Re, each rated A+ (Superior) by AM Best.
Turn the estimate into a real number
A free assessment replaces these assumptions with an underwritten analysis of your book.