Cost
(Retail Figures) |
Zander Insurance |
Credit Monitoring |
Plan L |
Plan P |
| Single Individual |
$6.50 per month/
$72 per year |
$9.95 - $14.95 per month |
$10.00 per month |
$15.95
$10.00 One Time Activation Fee |
| Family Plan- unlimited dependents |
$12.50 per month
$140 per year
|
$25.98 per month
*2 Adults Only Child Protection Not Available |
$25.00 Per Child- No Family Plan |
Child Protection Not Available |
| |
Zander Insurance |
Credit Monitoring |
Plan L |
Plan P |
| Prevention |
Identity Theft Protection |
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Preventative measures are an important part of defending against identity theft. However, because identity theft affects people in so many ways, no plans preventative measures can completely eliminate the risk of becoming a victim. |
Integrates and coordinates access to free consumer services so our members can utilize the preventative programs available to them at no charge. These include accessing free credit reports, placing fraud alerts, credit freezes, and participating in do not call and opt out programs. In addition you will receive monthly scam and fraud alerts and newsletters, plus online prevention tools are also available. |
Each credit bureau provides a copy of your credit report and monitors activity that occurs on a monthly basis. Each credit bureau maintains their own monitoring service making complete coverage from all three bureaus an excessive expense. Credit monitoring is of limited value since it only notifies you once the event has occurred and does not address any other types of identity theft. |
Emphasis on the placement and renewal of fraud alerts to notify individuals when credit related activity occurs. Includes enrollment for do not call and opt out programs. This approach is of limited value since it does not address other types of identity theft and only assists if your credit report is accessed prior to fraudulent credit being extended. |
Program provides credit monitoring services and a copy of your credit report from one of the three credit bureaus. Each credit bureau maintains their own monitoring service making complete coverage from all three bureaus an excessive expense. Credit monitoring is of limited value since it only notifies you once the event has occurred and does not address any other types of identity theft. |
| Recovery Services |
Zander Insurance |
Credit Monitoring |
Plan L |
Plan P |
| A fully managed recovery plan takes over the entire process of restoring your identity. |
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| Company takes over all the work to restore your identity |
YES |
NO |
Credit related only (only due to fault or defect of their product) |
YES |
| Recovery service covers all types of Identity Theft (financial, criminal, social security, medical, etc) |
YES |
NO |
NO |
YES |
| Recovery Limit |
UNLIMITED |
Not Applicable |
$1 million (limited to defect of their product |
Unlimited |
| Follow-up period after case has been resolved |
36 Months |
NO |
6 Months |
NO |
| Dependent Coverage |
To Age 25 |
Not Available |
To Age 16 |
Not Available |
| Family Fraud - someone in your family who steals your personal information |
YES |
NO |
NO |
NO |
| Reimbursement |
Zander Insurance |
Credit Monitoring |
Plan L |
Plan P |
| This benefit reimburses victims for expenses they incur during the recovery process. |
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| Reimbursement Benefit |
$20,000 Reimbursement Benefit |
Optional Benefit $2,500 - $20,000 |
Excluded from guarantee |
Limited to Legal Fees Only |
| Benefits apply to lost wages/vacation time |
YES |
Depending on plan selected |
NO |
NO |
| Deductible |
NONE |
$250 |
Not Applicable |
Subject to benefit terms |
| Legal Disclaimer: Zander Insurance obtained the information contained herein through lawful, public means as a way to promote the companies products and services through fair and accurate competitor comparisons. It is intended for general guidance only and is NOT intended to replace or serve as a substitute for the user’s own pricing, competitive research or inquiry. The information may change at any time and may or may not be up to date or correct. |