Identity theft protection â insurance for your identity, part three

identity theft is a very real threat in our society. Undoubtedly, you have read the staggering stats when it comes to this new threat. If those facts don’t make you step back a assess your current insurance program, i don’t know what will. As i’ve spoken to innumerable individuals when it comes to this new threat, i’ve been astonished at the common attitude that exists. Every one believes that it cannot happen to them. My aim in writing this series on identity theft was to show those same individuals that, “yes”, identity theft may happen to you! Let’s commence with a series of questions i would like for you to ask yourself (and be honorable).

• have you ever applied a credit or debit card?

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• do you sign the back of your credit or debit card?

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• have you ever supplied personal information via the internet?

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• do you keep your social security number in your wallet?

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• received mail in your personal mailbox?

if you answer “yes” to any of these questions (by the way, there are hundreds of questions precisely like this that i could add to the list), then you could be a possible target.

if you have read part one and part two of this series, you have seen many introductory steps or precautions you may take to help stop id theft. You have similarly seen the financial affect that an id theft may have on you, not to relate to the quantity of time an these thefts may cost you. Hopefully, you will realise that you should treat your identity the same way you treat your other major summations (home, car, life) and search for a good “insurance policy”.

the fact is that the individuals who look to steal identities, are innumerable steps in front of any “identity theft programs” available. You have undoubtedly heard innumerable advertisements for respective identity theft solutions. These solutions tend to portray themselves as stopping identity theft. The fine print, nonetheless, lets you know that no system is 100% efficient. Most solutions involve placing a “freeze” on your credit account (which is something you could do yourself for free). More significantly, the huge majority of these solutions only deal with id theft involving “finances”.

as you have hopefully learned by now, identity theft involves more than just financial theft. The most advertised solutions do nothing to help with the other forms of id theft. The premise behind these solutions is for them to merely stop identity theft. Again, no solution may guarantee this. If i were to design an identity theft solution there are certain things that i would want to have.

• identity monitoring (credit monitoring, social security number monitoring, drivers license monitoring)

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• dedicated identity restoration specialist

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• service that takes the restoration out of my hands

in a nutshell, i want a service that will monitor everything that deals with my identity and alert me when something suspicious happens. Will have to we find out that an individual has stolen my identity, or is attempting to steal my identity, then i merely say “go get ‘em and call me when you are done”.

unfortunately, after reviewing innumerable identity theft solutions, it seems that the majority of the solutions offer band-aids. I found two solutions that best fit my criteria for an identity theft solution:

1. IDwatchdog

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2. Identity Theft Shield

while both solutions act in a similar fashion, i do lean more toward the identity theft shield. The main reason is similar to how i choose any other insurance provider. I look at the track record. The identity theft shield is a solution from kroll, inc. Kroll is the leading risk management firm on the planet. As a matter of fact, they’re the organization that was applied to record the financial records of saddam hussein. The solution is marketed by pre-paid legal services. While there are many individuals who look down upon pre-paid legal, if you do your exploration, you will see that they have been in business over 30 years.

protecting your identity had better be a major concern. The threat is real. There are steps that you may take to diminish your exposure, but you should severely look at purchasing an insurance policy for your identity.