A passkey replaces a shared secret

A passkey lets you sign in with a trusted device and its fingerprint, face scan, or PIN. The private credential remains on the device instead of being typed into a website like a traditional password.

Why it can reduce phishing risk

Passkeys are tied to the legitimate website or app, making them much harder to reuse on an imitation login page. They also remove the temptation to repeat a weak password across business accounts.

Security still needs layers

Use passkeys where vendors support them, protect recovery methods, limit administrator access, train staff, maintain backups, and review cyber coverage. No single control replaces a broader security and response plan.

Important

Coverage, eligibility, and plan terms vary by carrier and state. This article is general information, not a promise of coverage or individualized financial advice.