Identity theft can happen to anyone. When discussing identity theft we are typically referring to the misuse of personal information such as your name, phone number, email, social security number, and credit card information etc. The list goes on in regard to information that can be stolen. Unfortunately, despite wanting control over whether this information is stolen, it is impossible to secure. The reason for this is a lot of your information is stored on corporate or government databases meaning the security of that information is only as secure as the individual security of each organization. It is why many people place an inexpensive identity theft protection plan in place.
What does Identity theft protection actually cover?
Essentially, the real value of these plans will be the one million dollars in reimbursed funds you will receive if you become a victim of some sort of identity theft. This may come in the form of reimbursing a stolen 401k for example. In addition to the coverage, you will be notified of breaches, suspicious behavior, and your credit accounts will be monitored. The details of how these aspects of your identity will be monitored are dependent upon the company you choose and the plan you decide to go with.
Do these plans also cover my family?
Plan coverage is dependent upon the company and plan. Typically, companies will add a flat charge per member of the family that is added. We have only seen one company that does not add a charge per member of the family. When your family members are covered under the plan they will receive the same benefits as the primary member.
What would a thief do with your information?
How much does this coverage cost?
Plans range from around seven dollars per month to twenty per month dependent upon the extent of coverage. Though plans come with one million dollars in reimbursable funds in every plan, there are also added benefits usually having to do with active monitoring.
There are a few companies that can provide this type of coverage, but our recommendation is Reliashield. They are competitive in every way with other providers, but they have the added benefit of being less expensive. Their quality of service has also earned them five star ratings on multiple third party review sites, and provide additional coverage to added children at no cost. If you would like to learn more about the specific plans that they provide you can click on this link and earn a discount.
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