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Business and Data
Breach Protection Plan

"Identity Theft Statistics are spinning out of control. Your personal information is on file everywhere and thieves are stealing it to not only establish credit, but they use it for employment, insurance, benefits and social security fraud. It’s crucial to have a thorough protection plan that helps minimize your risk, and takes over all the time consuming work if you do become a victim. Other programs offering credit monitoring and fraud alerts only deal with part of the problem. I worked with Zander Insurance to help make sure their program was the most comprehensive and affordable plan available. That’s why I bought it for my family, my team members and recommend it for all my listeners and their families."
- DAVE RAMSEY

Identity Theft: Frequently Asked Questions

What is Identity Theft?

According to the United States Department of Justice, the terms identity theft and identity fraud refer to "all types of crime in which someone wrongfully obtains and uses another person's personal data in some way that involves fraud or deception, typically for economic gain."

How do thieves get my identity?

Identity theft starts with the misuse of your personally identifying information such as your name and Social Security number, credit card numbers, or other financial account information. For identity thieves, this information is as good as gold.

In addition to the people you know or do business with that could have access to your personal information, skilled identity thieves may use a variety of methods to get hold of your information.

• Data Breaches. Over 200 million people have had their identities compromised in a corporate data breach since 2005. There is no way to prevent this event from happening.
• Old-Fashioned Stealing. They steal wallets and purses; mail, including bank and credit card statements; pre-approved credit offers; and new checks or tax information. They steal personnel records, or bribe employees who have access
• Skimming. They steal credit/debit card numbers by using a special storage device when processing your card
• Phishing. They pretend to be financial institutions or companies and send spam or pop-up messages to get you to reveal your personal information.
• Changing Your Address. They divert your billing statements to another location by completing a change of address form

What do thieves do with a stolen identity?

Once they have your personal information, it is used in a variety of ways.

• New Account Fraud – new accounts, loans and other credit related accounts are opened in your name
• Phone or Utilities Fraud - your name could be used for someone to get electricity, gas or cable TV.
• Bank Fraud – counterfeit checks, bank accounts or loans can be created in your name
• Employment Fraud – your identity and good credentials could be used for someone else to get a job
• Government Documents – Someone can get a driver’s license or official ID card, obtain government benefits or file a tax return using your name
• Medical ID Fraud –fraudulent changes that can occur on your medical record can pose as a health risk to you at a later time.
• Criminal Records – someone could give out your name and social security number when getting arrested

Can I still become a victim of identity theft if I am protected by the Zander Insurance Identity Theft Protection Plan?

While we provide a comprehensive approach to help prevent the occurrence of Identity Theft for our members, no identity protection service can prevent identity theft from happening. Data Breaches and the Internet make it easy for thieves to get our personal information. That’s why it is so important to have a plan that offers fully managed recovery services. If you become a victim of identity theft, you will be assigned an expert recovery advocate who will work with and for you to do everything necessary to restore your identity. The identity theft victims who have the Zander Insurance plan have had a 100% success rate.

Why do I need to cover my family for ID theft?

Every person with a valid social security number is at risk for Identity Theft. Children can be particularly susceptible and are targeted by ID thieves since they often don't detect identity theft until they grow up and apply for credit or a student loan. With the Family Plan, your spouse and all dependent children will be protected from identity theft. Children are covered in the family plan up to the age of 25.

Do you need my Social Security Number?

We believe that people should not have to give out this information when it is not necessary. We do not need your social security number to provide you with service, unless you become a victim of identity theft.

What happens after I enroll?

At the end of the enrollment process, you will be instructed to print your Member Benefits and Terms of Service or you can have them emailed to you. Please keep a copy so you refer to these documents in the future. A welcome letter will come to the email address provided and will guide you on how to take advantage of all the free consumer services available. If you do not have email, the welcome letter will be delivered through the U.S. mail.

Does the Zander Insurance Identity Theft Plan repair my credit?

A recovery advocate will help you recover from an identity theft event by restoring affected accounts and working with the credit reporting agencies to remove fraudulent accounts that can negatively impact your credit rating. These and other actions will help restore your credit rating over time. We are not a "credit repair service" and will not recommend specific actions to improve your credit rating (i.e. consolidating debt, paying bills on time, etc).