Identity theft is neither a myth, nor a rarity. It happens on a daily basis in today’s society and we’ve helped it happen easier than in the past. Internet has made it possible for all kinds of ID frauds to occur, both on individual level and within large, reputable corporations, all through the cyber portal.
ID theft occurs when someone uses your personal information without your consent, to be able to commit various forms of criminal activities. ID thieves may use a lot of information, such as: your social security number, your credit card information, your name and so on. They can use this data in order to get credit or a credit card, to purchase items, commit medical fraud, apply for a car loan, write bad checks and so much more.
How do ID thieves act?
There are a lot of methods used by identity thieves. It can be something as simple as stealing your laptop, purse, wallet or it can be more devious and complex than that: they can hack your e-mail address, get a hold of your information through something you post or share online, steal and hack your computer using a virus and the list of examples can go on.
What can you do to protect yourself?
The first thing you have to do is change your attitude and start being more cautious about everything surrounding you. Make sure you only carry the necessary documents with you, make sure you are always watching your belongings, especially in crowded places. As far as your online information goes, there are also precautionary measures you can take to reduce the risk of becoming an ID theft victim:
- Don’t be lazy and always use strong, uncrackable passwords for your accounts; if you don’t feel like putting your memory and imagination at work, use a password generator software;
- Use additional protection measures such as two-factor authentication
- Avoid sharing your information on websites that don’t look 100% secure; always look for that ‘https’ and lock symbol and stick with reputable, verified websites when you know you have to provide important personal information
- Use an antivirus, antimalware, internet security software
- Don’t open unknown, suspicious links or emails
- Always download files only from secure sources
In addition to being careful, you should also consider signing up for an ID theft protection service. These services don’t necessarily have the power to prevent ID theft from happening, but they can minimize the chances and reduce the unpleasant consequences, should you fall victim to ID theft. ID theft protection services are affordable, secure and they watch over all your important information on a 24/7 basis, so you don’t have to waste time doing it.
Zander ID theft protection service – Is it a good option?
The Zander identity theft protection service is offered by Zander Insurance Group. Zander is a reputable company that was founded almost 100 years ago. The company is based in Tennessee and offers a wide range of services in addition to ID theft protection: halt insurance, car insurance, long-term care and others.
Zander has an A+ rating from the Better Business Bureau and it is endorsed by the successful business man and author, Dave Ramsey.
What does Zander ID theft protection have to offer?
In terms of ID theft protection, Zander offers two plans to its customers: one for individuals and one family plan.
The pricing scheme is very simple. You can choose between annual or monthly billing with both plans. The Individual plan is $6.75 per month and $75 per year.
The Family plan is priced at $12.90 per month and $145 per year.
The information you need to provide in order to start benefiting from Zander’s ID theft protection are: your name, address, email address, your birthdate, your phone number and your preferred payment method (debit/cred, electronic check).
The family plan offers protection for all your children at no extra charge.
What does Zander monitor?
This service monitors the following:
- Up to 5 phone numbers
- Up to 5 bank accounts
- 1 social security number
- Up to 6 e-mail addresses
- Up to 5 medical IDs
Zander offers protection against various types of ID theft: financial fraud, tax fraud, medical fraud, etc.
Zander offers ID recovery services as well and they include a $1 million insurance. The money is meant to cover ID recovery expenses such as credit freeze fees, legal fees, court fees, travel expenses, lost wages (up to $30,000).
In case of ID theft, as a Zander customer, you benefit from a white-glove recovery service, meaning Zander will assign a certified agent to work with you and help you throughout the entire ID restoration process. Your assigned agent will help you with all the necessary documents, with any credit freezes, with getting access to your credit reports and so on. This assistance will not only be offered while you restore your ID, but for 36 more months after, too, just to make sure everything evolves as it should and you’re back on the right track.
Zander offers reliable, around the clock customer support through both phone and email.
Aside from the fact that you don’t get credit monitoring with Zander, this is a reliable, trust-worthy service and you should definitely give it a try if you are looking for an ID theft protection service.