<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-2878" src="https://static.zanderins.com/wp-content/uploads/2023/03/29164524/tragedy-blog-image-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2023/03/29164524/tragedy-blog-image-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2023/03/29164524/tragedy-blog-image-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2023/03/29164524/tragedy-blog-image-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2023/03/29164524/tragedy-blog-image-1-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p><em>By Jeff Zander, CEO of Zander Insurance</em></p>
<p><span style="font-size: 22px; line-height: 35px;">From the COVID-19 pandemic to the tornadoes and the downtown explosion, 2020 was one of the most challenging years in history for many Nashville business owners. Our hearts go out to those who had to permanently close their doors in a year that no one could have predicted would be so tragic. </span></p>
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<p>We have worked with numerous businesses when natural disasters occur and, while we hope 2023 doesn&#8217;t bring us anything near what we experienced in 2020, it doesn&#8217;t hurt to plan for the worst and ensure your insurance policies are where you need them to be should another tragedy strike.</p>
<h3><strong>Natural Disasters</strong></h3>
<p>The top piece of advice I recommend to business owners (and anyone for that matter) is to compare policy rates through an independent insurance broker. On your behalf, a broker shops to find the best available policy and rates from an extensive array of companies. By comparison, going solely with a captive agency that only represents one insurance company won’t allow you to shop the market and compare options, thereby maximizing coverage and value.</p>
<p>With commercial insurance, most policies are written on an “all-risk policy” form. Contrary to its name, the all-risk policy will generally list what is not covered. Make sure to read the exclusions section of your policy to be clear on what is included. Usually, most all-risk policies will cover windstorms, tornadoes, hail, lightning, fire and other natural disasters; however, they typically exclude floods and earthquakes. These coverages can be added separately.</p>
<p>Start by reviewing what the policy will not cover and evaluate if your business should purchase an additional policy covering damage from those excluded perils or risks.</p>
<h3><strong>Bombings, Explosions and More</strong></h3>
<p>Much like natural disasters, explosions like the one that affected downtown Nashville on Christmas Day cannot be predicted. According to the Insurors of Tennessee, an &#8220;explosion&#8221; is a covered loss under most property policies, and in some cases, it may be named an &#8220;act of vandalism&#8221; and covered as such.</p>
<p>If the explosion had been certified as an &#8220;act of terrorism,&#8221; most small businesses would have been covered. However, in some limited cases, large specialty-type business risks may have a policy that excludes terrorism, but there is an option to buy back that coverage. Companies falling into this category should have been notified by their agent when the policy was purchased, and the option was presented.</p>
<h3><strong>Cybersecurity Threats</strong></h3>
<p>A <a href="https://www.pewresearch.org/social-trends/2020/12/09/how-the-coronavirus-outbreak-has-and-hasnt-changed-the-way-americans-work/#:~:text=Overall%2C%20a%20majority%20(56%25),need%20to%20do%20their%20job.">Pew Research</a> poll found that 71 percent of employees shifted to remote work during the COVID-19 pandemic. Additionally, with many schools doing virtual learning, students and parents are at an increased risk for identity theft and other cyber-crimes.</p>
<p>More remote work creates not only an increased risk for employees but also for their employers. In most cases, remote employees use personal devices to log into company systems, which may not maintain the same cybersecurity measures implemented in the office. A lack of cyber safety measures at home may expose the business to increased risks that could cause significant financial loss and disruption for their clients in the event of a data breach or other cyber intrusion. Small- and medium-sized businesses have become prime targets due to their less focused efforts toward cybersecurity.</p>
<p>Business owners and HR managers should educate employees on risk factors associated with working from home, emphasizing the importance of protecting their personal and financial information and the company&#8217;s information.</p>
<p>Additionally, you should ensure that all of your anti-virus, malware and other cybersecurity systems are up to date. Having a Data Breach insurance policy in place is another critical step since cybersecurity measures alone may not protect against a breach or other cyber attack.</p>
<p>I also recommend employers consider including identity theft as an employee benefit, especially since remote work is likely here to stay for many companies.</p>
<h3><strong>Plan Ahead</strong></h3>
<p>Whether you’re a business owner, employee or a stay-at-home parent, let this serve as a reminder to do a “check-in” on your insurance policies, whether they be commercial, life, health, automotive, identity theft or home. It never hurts to be prepared and rest knowing you&#8217;re adequately insured.</p>
<p>To learn more from an insurance broker, visit <a href="https://www.zanderins.com .">zander.com</a></p>
<p><em>Jeff Zander has more than 35 years of experience working in the insurance industry, and his knowledge dates back even further. Nashville-based Zander Insurance Group was founded nearly 100 years ago by his great grandfather Herman Zander, and Jeff is CEO of this fourth-generation, family-and-employee-owned business.</em></p>


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From tornadoes to explosions: avoiding insurance tragedies in 2023

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<p><span style="font-size: 22px; line-height: 35px;"><img decoding="async" loading="lazy" class="alignnone size-full wp-image-2913" src="https://static.zanderins.com/wp-content/uploads/2023/03/30151100/Flood-blog-image-header.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2023/03/30151100/Flood-blog-image-header.png 1110w, https://static.zanderins.com/wp-content/uploads/2023/03/30151100/Flood-blog-image-header-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2023/03/30151100/Flood-blog-image-header-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2023/03/30151100/Flood-blog-image-header-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></span></p>
<p><span style="font-size: 22px; line-height: 35px;">Do you have protection for a 99% problem? </span><span style="font-size: 22px; line-height: 35px;">Although only 3% of homeowners see flooding as a risk to their homes, 99% of US counties have experienced flooding in the last 25 years, according to FEMA. Scientists expect the frequency and intensity of flooding to increase as climate change continues to create more intense precipitation and sea level rise is accelerating.</span></p>
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<h3>About $1000 per year protects from a $50,000 disaster</h3>
<h3>As a homeowner, you’re likely aware that standard homeowners&#8217; insurance policies won’t cover flood damage to your home and belongings from storm surges, river and stream overflows, and flash floods. And while only 15% of property owners carry flood insurance, the average National Flood Insurance Program (NFIP) flood claim payout to those who do is over $50,000, according to FEMA’s latest 2019 figures.<br />
Flood insurance is available through NFIP and private market carriers. Average annual flood insurance costs depend on several factors, from your home’s structure and elevation to frequency of flooding and distance to water. Overall costs range by state from $629 to $1410.</h3>
<p>Federal Aid Challenges</p>
<p>Some homeowners believe that federal disaster aid will cover them in the event of an unexpected flood. However, what they don’t realize is:<br />
• Disaster aid isn’t offered after every flood<br />
• Disaster aid often takes months<br />
• Uninsured flood victims then get a disaster loan from the SBA</p>
<p>Meanwhile, the damage is done, and funding for repairs doesn’t come quickly, if at all. Yet, those who choose to carry flood insurance can get claims quickly processed and begin to recover from the damage to their home and belongings.</p>
<h3>5 Ways to Reduce Flood Insurance Costs</h3>
<p>Even though the average premium is worth the protection, homeowners have a few options for reducing policy costs. Consider:<br />
1. Choosing a higher deductible<br />
2. Taking steps to mitigate flood risks, like elevating HVAC units above the first floor<br />
3. Getting an elevation certificate<br />
4. Qualifying for the NRIP Community Rating System discount<br />
5. Comparing NFIP rates to the private market<br />
Discover more about NFIP’s specific building and belongings flood coverage, replacement cost vs. ACV, FEMA’s Risk Ratings 2.0, private flood insurance options, and more in this Forbes Advisor article.</p>


How To Protect Your Home from Flooding

<p><span style="font-size: 22px; line-height: 35px;"><img decoding="async" loading="lazy" class="alignnone size-full wp-image-2908" src="https://static.zanderins.com/wp-content/uploads/2023/03/30144111/bad-thing-blog-image.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2023/03/30144111/bad-thing-blog-image.png 1110w, https://static.zanderins.com/wp-content/uploads/2023/03/30144111/bad-thing-blog-image-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2023/03/30144111/bad-thing-blog-image-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2023/03/30144111/bad-thing-blog-image-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></span></p>
<p><em>By Kell Holland, Sheridan Jemison and Joe Deyo</em> <a href="https://www.zanderins.com/"><em>Zander Insurance</em></a></p>
<p><span style="font-size: 22px; line-height: 35px;">Wow. Just wow. It has been a crazy couple of years for small businesses. Most have been absorbing and ducking punches from the world like a championship boxer. The list of haymakers that have come your way is long, and includes COVID-19, lockdowns, a tanked economy, a surging economy, supply chain issues, work-from-home requests, inflation, cyberattacks, worker shortages, severe weather, killer bees and more. Oh, and don’t forget the usual small business challenges of providing a quality product or service that people want at an affordable price. </span></p>
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<p>As insurance advisors we have a front-row seat to the challenges businesses face. This includes historic threats such as liability issues and property protection, current issues like competitive and compliant employee benefit packages, and the evolving challenges of cyber liability and identity theft protection. More than ever small businesses need a reliable and knowledgeable insurance advisor in their corner – one that is focused not on selling you something, but one that is there with good questions, good solutions, and good strategy. A good agent focuses on your current needs, but also helps you prepare for the next big thing – or bad thing.</p>
<p>Working with organizations in Tennessee and across the country, we have seen it all. Here are a few examples of coverages you may want to consider for your business.</p>
<h3>Cyber Liability</h3>
<p>Cyberattacks are one of the greatest challenges for small businesses today. Increasing 600% since the pandemic, cybercrime includes data breaches, ransomware extortion, malware, viruses, phishing, and social engineering where the cybercriminal tricks someone into sending funds, sharing passwords, or giving access to other critical information.</p>
<p>While cyberattacks reported in the media focus on large corporations, the reality is that small businesses, with less security and fewer resources, are often seen as easy targets. Recent market surveys show that in the past 12 months, 23% to 40% of small business have suffered at least one cyberattack with an average cost of $25K. The bad guys LOVE American small business.</p>
<p>Some of the potential costs arising from a cyberattack that can be covered by insurance include legal fees related to lawsuits by those affected, ransom demands, legal notifications to impacted parties, IT costs to recover lost data, money lost from transferred funds, and more. Remediation services are also a huge benefit to small business owners, helping you mitigate the negative impact that a cyberattack has on your client base and rebuilding trust. Coverage for this type of loss is typically excluded from your general liability policy, however both cyber policies and crime policies can offer security. Cyber Liability protection could save your business, so it’s important to speak with your agent about protecting yourself from this ever-increasing threat.</p>
<h3>Business Interruption</h3>
<p>In the spring of 2020, a string of tornadoes moved through middle Tennessee causing extensive damage. One of our clients called the next day and shared that their business office and primary warehouse had been nearly decimated due to the storms. This thriving company essentially went out of business in the span of one day. Fortunately, they had a Business Interruption insurance policy in place that was designed for this very situation. It provided immediate funds that allowed the company to lease a new location, configure it for their needs, and quickly get back to full operations. While it was a difficult punch to absorb, it wasn’t a knockout blow.</p>
<p>Business Interruption coverage is great to have to protect against losses from situations out of your control, such as storm damage, natural disasters, prolonged power outages, unforeseen road closures, and more. While it doesn’t protect your business from a pandemic, in other situations it can make the difference in whether you can keep your doors open.</p>
<h3>Employee Benefits</h3>
<p>Finding and keeping employees is harder than ever. A recent survey noted that up to 45% of all employees are contemplating a job change or will soon. Yikes! One line of defense (and offense) that many employers are implementing is revised employee benefit offerings. Health insurance remains the centerpiece of most benefits packages, and is still the most requested. Beyond that, employees are also looking for dental, vision, disability, life, identity theft protection, and other optional coverages to choose from. One benefit that is getting increased attention lately is disability insurance &#8211; or the more aptly titled “paycheck insurance.” This pays an employee a percentage of their normal pay in case they are out of work for a sickness or injury.</p>
<p>Small employers should not assume that good benefits are too expensive and out of reach. With things like “level funded” plans for health insurance, voluntary benefits, Health Savings Accounts, and setting up employee classifications, having a quality benefits package that helps you attract and retain the talent you need is doable. Work with your insurance agent/advisor to learn about the options and put together a strategy that works for you.</p>
<h3>Get A Move On</h3>
<p>The last few years have provided some historic challenges for small businesses, and more punches are sure to come in the future. Having a reliable and trustworthy insurance agent/advisor in your corner is a key component of being ready for the fight – one that has a deep expertise in all the types of coverage that your business needs. Don’t sacrifice your success with an agency that only specializes in one area and just dabbles in other lines of insurance. Partner with your agency to conduct a top-to-bottom evaluation of your current coverages, assess any gaps or coverage you might be paying too much for, and get a strategy in place to take care of it. Doing that may just help you be a little bit more prepared for the next big thing – or bad thing.</p>
<p>For nearly 100 years, Zander has been putting clients first by simplifying the process of researching insurance products and allowing clients to purchase a complete portfolio from one office. This fourth-generation family/employee-owned business provides a comprehensive selection of business, employee benefits and personal insurance products to their nationwide client base.</p>
<p>Kell Holland, Executive Vice President, <a href="mailto:kholland@zanderins.com">kholland@zanderins.com</a><br />
Sheridan Jemison, Property and Casualty Consultant, <a href="mailto:sjemison@zanderins.com">sjemison@zanderins.com</a><br />
Joe Deyo, Director – Group Benefits, <a href="mailto:jdeyo@zanderins.com">jdeyo@zanderins.com</a></p>
<p>The authors each have over 25 years of insurance expertise and specialize in serving businesses of all sizes. At Zander Insurance they work together with their teams to provide a cohesive and strategic approach to serving client needs.</p>


Prepare Your Business for The Next Big (Bad) Thing

<p><span style="font-size: 22px; line-height: 35px;"><img decoding="async" loading="lazy" class="alignnone size-full wp-image-2899" src="https://static.zanderins.com/wp-content/uploads/2023/03/29200405/take-action-blog-.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2023/03/29200405/take-action-blog-.png 1110w, https://static.zanderins.com/wp-content/uploads/2023/03/29200405/take-action-blog--300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2023/03/29200405/take-action-blog--1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2023/03/29200405/take-action-blog--768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></span></p>
<p style="margin: 0in; background: white; text-align: left;" align="center"><i><span style="font-size: 11.0pt; font-family: 'Arial',sans-serif; color: black;">By Jeff Zander, CEO of Zander Insurance</span></i><span style="font-size: 11.0pt; font-family: 'Arial',sans-serif; color: black;"> </span></p>
<p><span style="font-size: 22px; line-height: 35px;">September is recognized as National Preparedness Month by <a href="https://www.ready.gov/september">FEMA and the Department of Homeland Security</a>. It’s a time to ensure plans and processes are in place for emergencies and natural disasters. Being prepared goes beyond changing the batteries in your fire alarm or reviewing what to do in a tornado or flood. It&#8217;s also about careful consideration of your insurance policies and putting your mind at ease against worst-case scenarios. </span></p>
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<h3>Preparing Your Home</h3>
<p>When we think about being prepared, one of the easiest ways we can do this is by obtaining a home insurance policy. Home insurance will cover a variety of potential disasters, including fire or lightning damage, tornado damage, busted pipe damage, damage from a tree falling and more.</p>
<p>There can be some confusion about when it&#8217;s necessary to have a specific &#8220;niche&#8221; insurance, such as flood insurance or insurance for higher value personal property items. The best way to determine your needs is by working with a reputable insurance agent or agency that is not only price conscious but also coverage conscious. Come prepared with questions and be willing to disclose items of a unique or higher value that may need protection.</p>
<p>Overall, home insurance policies cover a lot, but there are some essential coverages to consider when shopping for a policy.<br />
• Adding Guaranteed or Extended Replacement Cost coverage ensures that the full cost of repairs are covered if something happens to your home.<br />
• Know your deductibles for all peril. Some companies increase them for wind/hail damage. It’s also important to review for changes every renewal.<br />
• If you have any detached structures to the home, make sure the Other Structures limit is adequate.<br />
• Check on the Roof Replacement Cost Coverage. Some companies no longer offer this anymore and may only pay actual cash value.</p>
<h3>Preparing Your Business</h3>
<p>When it comes to evaluating your business insurance protections, it’s important to prepare against not only a natural disaster but also a company-related crisis such as a breach or identity theft.</p>
<p>As winter is approaching in a few months, now is the time to start preparing by contracting with a company for ice removal on your commercial property; ensuring you have contacts for emergency repairs; having a plan to notify employees in case of an emergency; and more.</p>
<p>When it comes to shopping for or reevaluating your business insurance policy, it’s important to choose an independent agent/agency with proven experience in the industry who will shop your coverage with multiple carriers. Make sure the agent/agency will have the capability to provide the level of service you expect and will review your plan with you annually. They should understand the inherent exposures of your business.</p>
<p>Insurance needs for small businesses vary by the industry in which they operate, but General Liability is the most important since it protects the business owner against costs related to injury and property damage—liabilities that arise through the conduct of your business operations.</p>
<p>Property coverage and Workers Compensation would be two other types of coverage worth strong consideration.?Property coverage protects the business for the property that they own and could include not only contents of an office but also the equipment and vehicles used off premise while working at a client location or other facilities.</p>
<p>Finally, most people don’t know that ID theft is the fastest growing crime in the nation, and few business owners realize how crucial it is to protect their business&#8217; identity in addition to their customer data. 60% of small and mid-size businesses that are hacked go out of business within 6 months. Make sure your response strategy includes protections for those clients affected by your breach; this is your only chance to preserve that individual or company as a client. A few points to keep in mind for Cyber Insurance and Breach Readiness:</p>
<p>• Per your state law, breach notifications must be sent to customers.<br />
• Implement a response plan with the help of your insurance carrier and/or IT resources.<br />
• Make sure your cyber protection policy provides monitoring services and includes the cost to retain public relations consulting and restoration of reputation.<br />
• Remember, your business is as much a target of ID theft as your clients’ information so make sure to protect both.</p>
<h3>Feeling Prepared</h3>
<p>I&#8217;ve only briefly touched on several ways to do a check-up on your preparedness. When in doubt, consider taking inventory of your home or business. One easy way to do this is to take a video of each room in your home or business. This will help you determine items that may be damaged or lost if disaster strikes.</p>
<p>Another great resource is Ready.gov, where you can download the Ready 2019 National Seasonal Preparedness Messaging Calendar. There are several toolkits available to assist with different types of safety and preparedness actions you can take.</p>
<p>At the end of the day, find an insurance agency/agent that you trust. To learn more about all of the different ways to be prepared, visit <a href="http://zander.com">https://www.zanderins.com.</a></p>


Take Action During National Preparedness Month

<p><span style="font-size: 22px; line-height: 35px;"><img decoding="async" loading="lazy" class="alignnone size-full wp-image-2893" src="https://static.zanderins.com/wp-content/uploads/2023/03/29194722/tragedy-blog-image-2.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2023/03/29194722/tragedy-blog-image-2.png 1110w, https://static.zanderins.com/wp-content/uploads/2023/03/29194722/tragedy-blog-image-2-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2023/03/29194722/tragedy-blog-image-2-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2023/03/29194722/tragedy-blog-image-2-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></span></p>
<p style="margin: 0in; background: white; text-align: left;" align="center"><i><span style="font-size: 11.0pt; font-family: 'Arial',sans-serif; color: black;">By Jeff Zander, CEO of Zander Insurance</span></i><span style="font-size: 11.0pt; font-family: 'Arial',sans-serif; color: black;"> </span></p>
<p><span style="font-size: 22px; line-height: 35px;">Since the beginning of the pandemic, we&#8217;ve seen a significant increase in the purchase of term life and health insurance policies due to the devastating impacts of COVID. Though most people understand why these coverages have been crucial during the current health crisis, many have not recognized how to avoid identity theft and the quickly growing need for cyber protection. In 2020, the FTC received 4.8 million identity (ID) theft and fraud complaints, an increase of 45 percent in 2019. When we think about ID theft, a data breach is often the first thing that comes to mind. A data breach occurs when information is stolen from a system without the knowledge or authorization of the system&#8217;s owner, within large corporations and small businesses alike. Last year, however, we saw cyber thieves getting more creative and aggressive during the pandemic. </span></p>
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<p>Nearly one-third of the FTC complaints filed last year were for scams involving government benefits, including federal stimulus payments and unemployment claims. Over the last year, our company&#8217;s caseload quadrupled due to ID theft claims surrounding unemployment fraud and SBA loans. We saw scammers creating fake business names similar to a legitimate business but using the EIN/tax ID number of the member&#8217;s business to get a loan. Cases like these are incredibly frustrating for the victimized company and can be a nightmare to resolve when multiple government entities are involved.</p>
<p>Another common way to be a victim of ID theft is through phishing scams. Phishing is where an attacker sends a fraudulent message designed to trick a human into revealing sensitive information. I’ve seen people in the process of closing on a house receive an email from a realtor whose email address was slightly off, but they were asking the sellers to wire money before closing. We&#8217;ve also seen a considerable increase in ransomware attacks, a type of malware that threatens to publish the victim&#8217;s data or perpetually block access unless a ransom is paid. Victims typically open themselves up to this type of cyber-extortion by clicking a link in a phishing email or downloading an email attachment.</p>
<p>Last year, Tennesseans reported losses of <a href="https://apnews.com/article/business-tennessee-4615e5bf2e5ca585b822aba85b47e335">$40.6 million</a> due to fraud and identity theft—at this rate, we aren&#8217;t expecting that number to decrease for 2023. Fortunately, ID theft protection is an affordable way to prevent yourself from becoming a victim and give you the peace of mind that a team of advocates is on your side. There are also some key things that you can implement to ensure you’re as protected as possible.</p>
<p>• Install antivirus software to prevent or remove malware from your computer. Antivirus software will aid in protecting your identity from cybercriminals.<br />
• Additionally, consider using a VPN (virtual private network) to ensure safety on public Wi-Fi networks and even protect your data privacy from your internet service provider.<br />
• Create strong and unique passwords for your computers, tablets, iPads and smartphones.<br />
• Always pay close attention to the spelling of email addresses and don’t open their attachments. When in doubt, call the company claiming to need information from you to verify<br />
it’s legitimate before you respond.<br />
• Consider these <a href="https://www.zanderins.com/identity-theft-protection/resources">helpful resources</a> like adding a fraud alert to your credit report, implementing a credit freeze and signing up for the <a href="https://www.donotcall.gov/">Do Not Call registry</a>.<br />
• Purchase an ID theft protection plan that protects the entire family (children are equally at risk). The plan should continually monitor your personal and financial information, alert you of any suspicious activity, provide a recovery team to help you restore your identity to pre-theft status if you become a victim and offer reimbursement of stolen funds and expenses if you become a victim.</p>
<p>If you’re a business owner, there are also programs available to safeguard your company’s most valuable assets.</p>
<h3>Business ID theft protection</h3>
<p>The ID theft protection will track the trade and selling of business-related information through surveillance and monitoring services, including bank account numbers, employee email addresses, credit card numbers, and business URLs to alert you when your information is at risk. If a business becomes a victim, the protection plan will provide unlimited recovery services to remedy the problem and restore the company to pre-theft status.</p>
<h3>Cyber/breach insurance</h3>
<p>Data breaches and ID theft events are never 100 percent preventable. In the event of a data breach, this type of program will assist in limiting the damage, delivering legally mandated notifications to your affected customers, and taking proactive resolution measures to help reduce the negative impact. With ransomware becoming a fast-growing threat, especially to small and mid-size organizations, it is crucial to have a protection plan in place if your business becomes a target. The coverage will also protect against costly lawsuits.</p>
<h3>Employee protection</h3>
<p>Group ID theft protection plans not only provide protection if your employee’s data is hacked but also offers the ability to expand an Employee Benefit plan with a service that is timely to your Team’s needs and helps reduce the stress and distraction caused if they do become a victim from whatever type of attack occurs. The Employee Benefit Protection Plans offered are very similar to individual protections noted above but often at a significant discount if purchased as a group.</p>
<p>Whether you’re concerned about yourself, your business, or your employees, ID theft and cybersecurity events are on the rise, and you should consider a protection plan that features benefits designed to reduce your risk of becoming a victim.</p>
<p><em>Jeff Zander has more than 40+ years of experience working in the insurance industry and specializing in all areas of Personal, Business and Employee Benefit programs. Nashville-based Zander Insurance Group was founded nearly 100 years ago by his great grandfather Herman Zander, and Jeff is CEO of this fourth-generation, family-and-employee-owned business. </em></p>
<p>To learn more, visit <a href="https://www.zanderins.com/identity-theft-protection">https://www.zanderins.com/identity-theft-protection</a></p>


How To Avoid Identity Theft Personally &#038; Professionally

<p><span style="font-size: 22px; line-height: 35px;"><img decoding="async" loading="lazy" class="alignnone size-full wp-image-2903" src="https://static.zanderins.com/wp-content/uploads/2023/03/29202003/employee-blog.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2023/03/29202003/employee-blog.png 1110w, https://static.zanderins.com/wp-content/uploads/2023/03/29202003/employee-blog-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2023/03/29202003/employee-blog-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2023/03/29202003/employee-blog-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></span></p>
<p><em>By Rebecca Jobe of Nashville-based</em><a href="https://www.zanderins.com/"> <em>Zander Insurance</em></a></p>
<p><span style="font-size: 22px; line-height: 35px;">Today is National Employee Appreciation Day, a chance to honor and celebrate employees by expressing just how grateful you are to have them on your team. While making it an official “holiday” helps us remember to pause and show employees our gratitude for their hard work, recognition can’t be limited to just one day on a calendar. True appreciation for your employees’ contribution to the success of the organization requires a conscious effort to make it a part of the company’s culture – every day. As an employer, it is crucial to ask yourself, “How am I purposefully acknowledging my team?” Here’s what works for us.</span></p>
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<h3>Be Available</h3>
<p>Employees feel valued when you make time for them. Whether it’s through one-on-one meetings, daily huddles, or just responding to your team member’s email in a timely manner, the importance of your availability cannot be understated. Sure, it’s easy to get caught up in the day-to-day responsibilities and appear too busy for the people around you, but being present and available shows your team that you value their time, which in turn makes for happier employees. Hold yourself accountable for regular check-ins.</p>
<p>When employees are in contact with their bosses, they actually enjoy their jobs more. In fact, according to a TinyPulse survey, the #1 reason for employee dissatisfaction with a direct supervisor was a “lack of presence,” and “limited interactions with team.” So keeping your employees engaged and feeling appreciated starts with showing up and being available.</p>
<p>One of the ways this principle is applied at Zander is by having bi-monthly “Q&amp;A with Shervin” sessions with each department, allowing team members the opportunity to ask any questions they have about the business. Members of the executive management team also have an open-door policy to encourage employees to come in and make suggestions, address concerns, or simply enjoy an espresso with the company president.</p>
<h3>Thank Them</h3>
<p>Saying “thank you” to your employees is a given; showing them you are thankful is what lets them know you mean it.</p>
<p>Expressing gratitude does not have to be something extravagant or costly. Consider having lunch brought into the office, or providing a monthly delivery of fresh fruit as an ongoing show of gratitude. If food isn’t a motivator for your team, remember that thoughtfulness is what matters. A simple thank you note or email can also go a long way.</p>
<p>Another great way to foster appreciation is to develop a program that allows employees to thank each other. In our office we have the “Prize Patrol,” where colleagues can recognize and reward their coworkers for nearly any reason – whether it’s for helping them with a challenging case or holding the door for them. Recipients of the prize patrol receive a notecard with the statement of gratitude from the coworker and a gift card to a coffee shop or retail store.</p>
<p>Create a culture of thankfulness, and it will start manifesting to your team. When you express gratitude, your employees will show their gratefulness to each other.</p>
<h3>Celebrate All Year</h3>
<p>While National Employee Appreciation Day is a great time to honor employees, my goal is to make sure they feel appreciated throughout the year. For starters, new employees receive a hand-written letter and “swag bag” during onboarding to welcome them to the team. We also go beyond just one day of appreciation for our employees, dedicating an entire week each year to food, fun activities, and prizes centered on our gratitude for their hard work.</p>
<p>Another initiative that shows you care is to allot a portion of company funds to giving back within the organization. Zander is proud to support employees who are raising money for their children’s schools, activities, or projects they are passionate about. Additionally, our peer-nominated Employee of the Month program gives employees yet another outlet to recognize each other’s successes and dedication.</p>
<p>Investing in your employees throughout the year is the greatest way to show you value them, and to retain them. After all, employee loyalty reaps dividends when it comes to customer loyalty.</p>
<p>What steps will you take to celebrate your employees today and throughout the year?</p>


Three Ways to Celebrate Employees

<p><em><img decoding="async" loading="lazy" class="alignnone size-full wp-image-2888" src="https://static.zanderins.com/wp-content/uploads/2023/03/29180324/inflation-blog-image.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2023/03/29180324/inflation-blog-image.png 1110w, https://static.zanderins.com/wp-content/uploads/2023/03/29180324/inflation-blog-image-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2023/03/29180324/inflation-blog-image-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2023/03/29180324/inflation-blog-image-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></em></p>
<p><em>By Jeff Zander, CEO of Zander Insurance</em></p>
<p><span style="font-size: 22px; line-height: 35px;">U.S. inflation rates have soared to a record 8.2%, the highest rate the country has seen in over 40 years. While most industries expect to see a proportionate rate of price increases, many people in Nashville have inquired specifically about the immediate and long-term effects on the insurance industry and their costs and coverages. </span></p>
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<p>Both Nashville natives and new arrivals have seen the real estate market surge over the last few years, and homeowners are questioning whether their insurance policies are still adequate based on the impact of inflation and rising building costs.</p>
<h3>Do I have enough coverage to rebuild in the event of a claim?</h3>
<p>The answer lies in determining the exact replacement cost of your home, which is a challenge that a trusted builder can help solve based on building costs in your neighborhood. When reviewing your policy, understand that there is an important distinction between the “sale price” and the “price to build” from when you originally secured your home insurance.</p>
<p>The sale price of your home is what you paid at market value and includes additional factors such as the price of your land. The estimated price to build is based on the actual cost of building a home of your size with similar finishes and building materials. This can fluctuate based on additions such as outdoor living spaces and finished basements, and it does not include the cost of your land. The estimated price to build gives you a starting point for your home’s replacement cost in the event of a total loss.</p>
<h3>What about the increased price of goods since I originally insured my home?</h3>
<p>This question comes up regularly for those of us working in the insurance industry. Most insurance policies have built-in protection programs to offset inflated construction and materials costs. Inflation guard protection is an automatic yearly increase to your building coverage limit ranging from 4% to 10%. These increases build on your initial evaluation to keep up with inflation.</p>
<p>The potential risk for Nashville homeowners lies in the method you used to insure your home when you bought it. If your initial replacement cost missed the mark at some level, then the inflation protection will simply keep your original quote up to date as prices rise. In this case, you will still be underinsured.</p>
<h3>Is there anything I can do today to ensure I am adequately covered?</h3>
<p>The good news is you can speak with your insurance provider about replacement cost endorsements. These policy riders provide additional coverage over the limit listed on your policy in case of a claim.</p>
<p>Two options are:</p>
<h3>Extended Replacement Cost</h3>
<p>The extended replacement cost option allows you to increase your current replacement cost coverage for your home by 20%, 50% or 100%, building on your home’s initial insured value.</p>
<p>For example, if your home is currently valued at $250,000, and you have a 50% extended replacement cost endorsement, your insurance company will give you an additional $125,000, totaling $375,000 towards your rebuild in the event of a total loss.</p>
<h3>Guaranteed Replacement Cost</h3>
<p>The guaranteed replacement cost rider is the ideal protection plan for your home, but it may not be offered by all insurance companies. It provides guaranteed replacement, regardless of the cost to rebuild the home, even if it is higher than the limits shown on your policy. For example, if your home value is $250,000 and becomes a total loss, and the cost to rebuild is $400,000, the insurance company will pay the full replacement cost of your home at $400,000.</p>
<p>My strongest recommendation for new and existing homeowners is to promptly connect with your agent to discuss your current policy coverages. Because the cost to rebuild homes has increased substantially in the past two years, it is crucial to ensure your coverage is keeping up with the pace of inflation and the higher cost of building (or rebuilding) a home.</p>
<p>To learn more from an insurance broker, visit <a href="https://www.zanderins.com">zander.com</a></p>
<p><em>Jeff Zander has more than 35 years of experience working in the insurance industry, and his knowledge dates back even further. Nashville-based Zander Insurance Group was founded nearly 100 years ago by his great grandfather Herman Zander, and Jeff is CEO of this fourth-generation, family-and-employee-owned business.</em></p>


How To Choose Homeowners Insurance to Fight Off Record Inflation

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-2771" src="https://static.zanderins.com/wp-content/uploads/2022/06/16140852/blog_post_headers-7.png" alt="identity theft" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2022/06/16140852/blog_post_headers-7.png 1110w, https://static.zanderins.com/wp-content/uploads/2022/06/16140852/blog_post_headers-7-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2022/06/16140852/blog_post_headers-7-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2022/06/16140852/blog_post_headers-7-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p><span style="font-size: 22px; line-height: 35px;">If you notice suspicious activity and are a member of Zander Identity Theft Solutions, contact us right away so that we can open a case on your behalf and restore your account to its pre-theft status. We encourage you to join our plan if you are not yet a member because, once you have been a victim of ID theft, you are at a higher risk of being victimized again in the future. </span></p>
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<p>While we cannot help you with an ID Theft event that happens before you become a member, we have several helpful resources on our <a href="https://www.zanderins.com/identity-theft-protection/resources">Helpful Links page</a>, which include: how to place fraud alerts, how to view and access your credit report, and much more. It is crucial to include that, if you were involved in a data breach, it does not make you a victim of ID Theft. Your data being compromised in a data breach does put you more at risk, but you are only considered a victim if a thief illegally uses your information so you would remain eligible to enroll in our plan and have any future events covered.</p>
<p>As a member of <a href="https://www.zanderins.com/identity-theft-protection">Zander ID Theft Solutions</a>, you not only receive unlimited recovery services to clear up fraud if you fall victim to it, but you also get alerts of suspicious activity, up to $1 million in stolen funds protection and reimbursement, lost wallet protection and much more. Our team of experts is here to help 24/7/365 for your convenience and peace of mind.</p>


What Do I Do if I’m a Victim of Identity Theft?

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-2766" src="https://static.zanderins.com/wp-content/uploads/2022/06/16132416/blog_post_headers-6.png" alt="identity theft protection antivirus" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2022/06/16132416/blog_post_headers-6.png 1110w, https://static.zanderins.com/wp-content/uploads/2022/06/16132416/blog_post_headers-6-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2022/06/16132416/blog_post_headers-6-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2022/06/16132416/blog_post_headers-6-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p><span style="font-size: 22px; line-height: 35px;">No, it is not necessary to have two antivirus programs on a device. </span></p>
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<p class="paragraph" style="margin: 0in; vertical-align: baseline;"><span class="normaltextrun"><span style="color: black;">If you are using another antivirus software that you are content with, you can upgrade to our Elite plan and take advantage of the other features offered, such as the UltraVPN, Credit Lock, and Financial Account Takeover monitoring. </span></span></p>
<p>&nbsp;</p>
<p class="paragraph" style="margin: 0in; vertical-align: baseline;"><span class="normaltextrun"><span style="color: black;">If you wanted to use the Ultra Antivirus feature of your <a href="https://www.zanderins.com/identity-theft-protection">Zander Elite ID theft protection plan</a>, you would need to uninstall any current antivirus program (ex: Norton or Windows Defender) before downloading the Ultra Antivirus. Running multiple antivirus programs on a device could cause problems mid installation, and the device may not perform as well as it should.</span></span><span class="eop"><span style="color: black;"> </span></span></p>


Should I Activate Zander’s Ultra Antivirus Feature if I Already Have Antivirus Software?

<p>You can most effectively combat identity theft by enrolling in a program that combines prevention components with full-service recovery. The truth is that no plan can thoroughly prevent ID theft 100% of the time, so we have integrated the tools that help reduce your risk while providing critical recovery services if an ID theft event does occur. No matter the cost or how long it takes, our certified recovery specialists will take care of restoring your identity to pre-theft status if you fall victim to this expensive, time-consuming, and terrifying crime.</p>
<p>As part of our prevention services, we monitor your personal information, searching the web and other databases for signs of misuse. Additionally, we provide online cybersecurity services such as VPN (a virtual private network) and antivirus software that allow you to browse the web, stream content, shop, and bank online with encryption. Looking after and reducing access to your information is an important step to reduce becoming an identity theft victim.</p>
<p>Regardless of the fraud committed- financial, Social Security or unemployment, medical id theft, crimes committed in your name, etc, our restoration services cover it all. To minimize the impact on your daily life, we provide white-glove service and recover your identity as fast as possible.<br />
As an added benefit, our members receive $1,000,000 ($2,000,000 on family plans) in stolen funds protection and expense reimbursement coverage, including legal fees, lost wages, and more. Our family plan covers any two adults and children at no cost. Our U.S.-based support is offered 24/7/365 to assist you in whatever you might need, such as reviewing your credit reports and accessing free services credit card opt-out, do-not-call lists, placing fraud alerts, freezing your credit, and more.</p>
<p>We have developed the most thorough and affordable plan that helps reduce your risk of falling victim to identity theft. With <a href="https://www.zanderins.com/identity-theft-protection">Zander Identity Theft Solutions</a>, if you are a victim, you will receive immediate and effective assistance from a team you can trust to handle the problem and limit the hassles caused by having your identity stolen. That is why Dave Ramsey has only ever recommended and used our plan for his family and all his team members. Check out our comprehensive options or call us toll-free at <a href="tel:18882103274;">1.888.210.3274</a>.</p>


How Does Zander’s ID Theft Plan Work?

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-2752" src="https://static.zanderins.com/wp-content/uploads/2022/06/13212841/blog_post_headers-5.png" alt="identity theft spouse" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2022/06/13212841/blog_post_headers-5.png 1110w, https://static.zanderins.com/wp-content/uploads/2022/06/13212841/blog_post_headers-5-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2022/06/13212841/blog_post_headers-5-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2022/06/13212841/blog_post_headers-5-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p><span style="font-size: 22px; line-height: 35px;">We recommend that each spouse take part in an ID theft protection plan, as you and your spouse have individual identities that could be stolen. </span></p>
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<p>Identity theft does not only involve financial fraud, but it can also include social security fraud, medical identity theft, IRS scams, employment fraud, and much more. You and your spouse have valuable personal information that identity thieves can access in various places.</p>
<p><a href="https://www.zanderins.com/identity-theft-protection">Identity theft protection</a> is for all family members, including children. We offer free, comprehensive protection to children 18 and under, and limited benefits for adult dependents with our family plan.</p>


Does my Spouse Need ID Theft Protection, Too?

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-2747" src="https://static.zanderins.com/wp-content/uploads/2022/06/13211212/blog_post_headers-4.png" alt="child life insurance" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2022/06/13211212/blog_post_headers-4.png 1110w, https://static.zanderins.com/wp-content/uploads/2022/06/13211212/blog_post_headers-4-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2022/06/13211212/blog_post_headers-4-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2022/06/13211212/blog_post_headers-4-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p><span style="font-size: 22px; line-height: 35px;">Dave Ramsey does not recommend purchasing life insurance on children, specifically Gerber Life and similar policies that pose as college savings plans or promise a child’s insurability into the future.</span></p>
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<p>Children’s life insurance is another method of selling whole life insurance to people who don’t need it. As a child’s premature death is extremely rare, Dave feels that the expense can be managed via the parent’s emergency fund.</p>
<p>Alternatively, for those who wish to have some sort of extra protection in place, a <a href="https://www.zanderins.com/term-life-insurance/child-rider">child rider</a> can be added to most term life policies. Companies that offer a child rider tend to charge $50 to $60 a year for $10-20,000 of coverage, which would cover all children in the household (usually up to age 25). Once the child is old enough to buy their own life insurance, they can convert their child rider coverage to an individual policy even if they have health issues. So, instead of spending too much money on a policy for your child, consider using those funds for better investment options such as Education Savings Accounts, 529 plans, or regular mutual funds.</p>


Should I Have Life Insurance on My Children?

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-2741" src="https://static.zanderins.com/wp-content/uploads/2022/05/26205655/blog_post_headers-3.png" alt="burial insurance" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2022/05/26205655/blog_post_headers-3.png 1110w, https://static.zanderins.com/wp-content/uploads/2022/05/26205655/blog_post_headers-3-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2022/05/26205655/blog_post_headers-3-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2022/05/26205655/blog_post_headers-3-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p><span style="font-size: 22px; line-height: 35px;">Term life insurance should not be used for final expenses or burial. Your term life insurance plan could expire before the death of the insured, making it not a viable method to plan for final expenses.</span></p>
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<p>When buying <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">term life insurance</a>, the goal is to be paying off debt and growing your savings, so that by the time your insurance expires, there won’t be a need for life insurance. Dave Ramsey doesn’t recommend buying life insurance with the sole intention of using the money to cover final expenses, as in most cases your emergency fund and/or savings should pay for them.</p>
<p>There are some rare instances that you want to consider a burial type of policy, such as one through Senior Legacy Insurance. While Dave Ramsey does not typically recommend a burial policy, as it is a cash value plan, it could be the only way to address a need for insurance if you are dealing with an older individual whose financial or medical situation does not allow for any other option.</p>
<p>See answers to more <a href="https://www.zanderins.com/term-life-insurance/faqs">frequently asked questions</a> about term life insurance.</p>


Do I Need a Burial Policy?

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-2737" src="https://static.zanderins.com/wp-content/uploads/2022/05/26195808/blog_post_headers-2.png" alt="life insurance expires" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2022/05/26195808/blog_post_headers-2.png 1110w, https://static.zanderins.com/wp-content/uploads/2022/05/26195808/blog_post_headers-2-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2022/05/26195808/blog_post_headers-2-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2022/05/26195808/blog_post_headers-2-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p><span style="font-size: 22px; line-height: 35px;">Most Term Life plans are renewable to age 90 or older. But the cost of the policy goes up substantially each year once the guaranteed level premium period expires. </span></p>
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<p>However, the affordability and flexibility provided by the long-term rate guarantees (10,15,20,25 and 30 years) of term life plans and the financial achievements you can accomplish during that time period is the reason <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">term life insurance</a> is a much better option than cash-value plans.</p>
<p>Cash-value plans (Whole Life, Universal and Variable Life, and Return of Premium Plans) assert that you will need life insurance for your entire life, so to cover the higher cost of insuring you in your later years, they overcharge you in the earlier years of the policy. It is Dave Ramsey’s opinion that the money you save with term life insurance should be used to pay off debts and grow your wealth so that, by the time you’re older and the term expires, you won’t even need life insurance anymore. Don’t be fooled by the idea that you’ll need lifelong insurance coverage – life insurance is only necessary when your death would cause your family to suffer financially due to loss of income or debt.</p>


What Happens When My Term Life Insurance Expires?

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-2724" src="https://static.zanderins.com/wp-content/uploads/2022/05/05151125/blog_post_headers-1.png" alt="term life insurance" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2022/05/05151125/blog_post_headers-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2022/05/05151125/blog_post_headers-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2022/05/05151125/blog_post_headers-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2022/05/05151125/blog_post_headers-1-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p><span style="font-size: 22px; line-height: 35px;">No. The insurance industry has been very creative in perpetuating the idea that you will need life insurance for your entire life – that’s where cash value products get their name (Whole Life, Universal and Variable Life). </span></p>
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<p>The truth is you only need life insurance for the time in which your family would not be able to maintain their financial lifestyle due to a lack of savings or debt. When you purchase <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">term life insurance</a>, your rate is locked for the timeframe of your choice. During this time, you should establish an emergency fund, pay down debts, and grow your savings. It doesn’t make sense to overpay for whole life insurance now so you can have protection in later years &#8212; you shouldn’t need life insurance at that point.</p>
<p>It is important to remember that as you are increasing savings and attacking debts, you are on the road to eliminating your need for life insurance so that, in the future, you can put those funds towards other investment options. There is no financial justification for spending money on a product you will eventually no longer need, just to receive a minimal rate of return. Also, because your emergency fund and savings should be established by this point, any final expenses or burial costs should be paid from these funds.</p>
<p>Learn more about the “<a href="https://www.zanderins.com/blog/whole-vs-term">Term vs. Cash Value</a>” debate.</p>


Do I Need Life Insurance for My Whole Life?

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-2717" src="https://static.zanderins.com/wp-content/uploads/2022/02/26194752/blog_post_headers.png" alt="life insurance" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2022/02/26194752/blog_post_headers.png 1110w, https://static.zanderins.com/wp-content/uploads/2022/02/26194752/blog_post_headers-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2022/02/26194752/blog_post_headers-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2022/02/26194752/blog_post_headers-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p><span style="font-size: 22px; line-height: 35px;">Dave Ramsey considers term life insurance to be an immediate need, which is why you won’t find it in the Baby Steps – it comes first! </span></p>
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<p>Dave’s advice is simple: no matter where you are in your financial journey, if your death would cause financial hardship for your family then you need life insurance. The most crucial time to have <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">term life insurance</a> is when your family is in debt and has a lack of savings, as they would be less likely to continue their lifestyle if your income was gone. It is important to remember that as long as you are growing your savings and paying off your debts, you will need less insurance coverage as you get older.</p>


When Should I Consider Life Insurance?

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-2684" src="https://static.zanderins.com/wp-content/uploads/2021/11/19200701/blog-idt-fake-job-ads.png" alt="idt fake job ads" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2021/11/19200701/blog-idt-fake-job-ads.png 1110w, https://static.zanderins.com/wp-content/uploads/2021/11/19200701/blog-idt-fake-job-ads-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2021/11/19200701/blog-idt-fake-job-ads-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2021/11/19200701/blog-idt-fake-job-ads-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p><span style="font-size: 22px; line-height: 35px;">The most recent employment scam gaining popularity is fraudulent job postings. With many Americans leaving their jobs or being unemployed due to the pandemic, scammers have taken advantage of this situation, fooling many into applying to fake job ads.</span></p>
<hr />
<h2>How Are Scam Job Postings Happening?</h2>
<p>Scammers dupe potential applicants by recreating companies&#8217; career pages in which the site asks applicants to provide personally identifiable information. Once the person applies, the scammer will reach out to ask for even more information, all while using a web address that resembles the actual company&#8217;s web address.</p>
<p>Scammers also pose as potential employers and send unsolicited job offers after applicants have posted their resumes to <em>actual </em>job sites. Many people have reported receiving emails asking them to interview for jobs to which they haven&#8217;t even applied.</p>
<p>Job application scams are nothing new. Victims have reportedly been asked to buy software or equipment from the scammers to prep for the nonexistent job, or reship items purchased with stolen credit cards.</p>
<p>Indeed, LinkedIn, and Facebook are the top three platforms where users have reported seeing fake job advertisements. However, Indeed has quality guidelines that each job listing must meet and they remove over ten million listings a month that do not meet those standards.</p>
<h2>How To Protect Yourself</h2>
<p>When applying to jobs online, make sure to research the company and verify it is a real business. Another helpful strategy is to fill out the application directly on the company&#8217;s careers page to ensure the job posting is legitimate. If you fall victim to a job application scam, the best thing you can do is have identity theft protection in place.</p>
<h2>What Does This Mean For You</h2>
<p>There is no need to worry if you are a <a href="https://www.zanderins.com/identity-theft-protection">Zander Identity Theft Solutions</a> member. You will receive an alert if we detect that your information is misused. We recommend upgrading to our Elite plan in preparation. For a few dollars more per month, you will get ou r premium VPN and Antivirus software, Experian CreditLock, Account Takeover Monitoring and New Account Monitoring.</p>
<p>If you do not have identity theft protection, now would be a great time to enroll in a plan! Zander Identity Theft Solutions offers $1,000,000 in stolen funds protection, military-grade monitoring, alerts, and full-service restoration. Zander also boasts the most affordable cybersecurity bundle that reduces your risk of becoming a victim.</p>
<p>If you have identity theft protection through a different provider, your identity is still protected; but with Zander Identity Theft, we can save you money if you switch while ensuring full recovery if anything were to happen.</p>
<p>Protect yourself from fake job postings by signing up for Zander Identity Theft Solutions! Give us a call at <a href="tel:18882103274;"><span style="color: #1077af;">888-210-3274</span></a> today!</p>


Fraudulent Job Postings

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-2677" src="https://static.zanderins.com/wp-content/uploads/2021/11/19155416/blog_accounttakeover.png" alt="identity theft account takeover" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2021/11/19155416/blog_accounttakeover.png 1110w, https://static.zanderins.com/wp-content/uploads/2021/11/19155416/blog_accounttakeover-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2021/11/19155416/blog_accounttakeover-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2021/11/19155416/blog_accounttakeover-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p><span style="font-size: 22px; line-height: 35px;">Account takeover fraud is when cybercriminals obtain access to any of your bank or credit card accounts and use them to make purchases, withdraw money, or take the information they can use to access your other accounts. </span></p>
<hr />
<p style="margin: 0in;"><span style="color: #0e101a;">These criminals can get access to your information via data breaches, malware, or phishing. If successful, an account takeover fraud can lead to unauthorized shopping, fraudulent transactions, and credit card fraud from compromised customer accounts. </span></p>
<h2>How does Account Takeover Happen?</h2>
<p>There is a multitude of ways for account takeover to happen; a few of those are:</p>
<ul>
<li>Brute-force attacks: Typically through an automated script, an attacker will try various username and password combinations until one works across multiple accounts.</li>
<li>Breach replay attacks: Hackers know that many people often use the same password for many of their accounts. If a password leaks due to a data breach, any account with the same username and password is vulnerable.</li>
<li>Phishing: Through email or another form of communication, an attacker can appear to be a reputable company or person. But once that form of communication gets opened, the attacker can steal your email address, or user ID, and password.</li>
</ul>
<h2 style="margin: 0in;"><span style="color: #0e101a;">What Are Account Takeover and New Account Monitoring Services?</span></h2>
<p>With New Account Monitoring and Account Takeover Monitoring alerts from Zander, your name and SSN are monitored, and you will be notified if an unusual or high-risk activity is detected. By accessing thousands of financial institutions across the country, Zander can monitor information daily against a cross-industry database and help with account takeover prevention.</p>
<h2>Why Do I Need New Account Monitoring?</h2>
<p>A fraudulent credit card account could be used to buy an endless number of items. Credit card offers are often a result of a change-of-address request processed by the post office. Thieves can use a credit card offer to open a fake account using your address, then go to the post office and complete a change-of-address form so that the bill will get mailed to the thief, wherever they choose. Sending the credit card bill to a new address means it takes much longer for the victim to realize they&#8217;ve become a victim. By having new account monitoring alert you can stop account takeover fraud and spot the signs of identity theft quicker, allowing you to react faster.</p>
<h2>What Does New Account Monitoring Do For You?</h2>
<p>New Account Monitoring allows you to minimize damage to your credit file by alerting you anytime your personal information is used to open a new credit account. The sooner you know your credit is compromised, the sooner you can work towards minimizing the damage. Zander is here to help!</p>
<p>To sign up for account takeover monitoring &#8211; included with the Elite Plan &#8211; contact Zander Insurance at <a href="tel:18882103274;"><span style="color: #1077af;">888-210-3274</span></a>!</p>


What Is Account Takeover Fraud?

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-2657" src="https://static.zanderins.com/wp-content/uploads/2021/11/03141812/blog-banner_storm-2.png" alt="zander vpn" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2021/11/03141812/blog-banner_storm-2.png 1110w, https://static.zanderins.com/wp-content/uploads/2021/11/03141812/blog-banner_storm-2-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2021/11/03141812/blog-banner_storm-2-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2021/11/03141812/blog-banner_storm-2-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /><br />
<span style="font-size: 25px; line-height: 50px;">A Virtual Private Network (VPN) works to disguise your online identity by encrypting your internet traffic, making it harder for both your internet provider and other third-party services to track and steal data. A VPN essentially makes your data unreadable so that even if someone were to access your data, it would be useless. </span></p>
<hr />
<h2>How Does a VPN Work?</h2>
<p>A VPN works like a tunnel between your internet connection and a remote server that could be miles away from your actual location. This tunnel gives the impression that your data is coming from the VPN, not your computer. Doing so obscures your online identity – safely, securely, and anonymously. Your IP address is a unique ID attached to your computer that gets left behind like breadcrumbs on every site you visit. These breadcrumbs are traceable, which makes your information susceptible to hackers. A VPN hides your IP address from hackers so that they cannot steal your information or, worst case, your identity. Internet service providers can sell your data to advertisers but a VPN would prevent the data from being sold – keeping your private information private.</p>
<h2>What Does a VPN Do For You?</h2>
<p style="margin: 0in;"><span style="color: #0e101a;">A VPN allows you to control your privacy. Your IP address is connected to various forms of identification, such as your geographic location and browsing history. With a VPN, all of that information is concealed. When the VPN server communicates your inquiry to the website you are trying to reach, the website sees the server’s IP address instead of yours.</span></p>
<h2>Why Choose Zander&#8217;s Ultra VPN?</h2>
<p style="margin: 0in;"><span style="color: #0e101a;">Zander’s UltraVPN works to secure your internet connection with military-grade encryption that hides your IP address from hackers on up to 10 devices. It protects your data and identity while you browse, stream, shop, or bank online &#8211; keeping you safe from online thieves and threats. </span></p>
<p style="margin: 0in;"><span style="color: #0e101a;"> </span></p>
<p style="margin: 0in;"><span style="color: #0e101a;">Contact Zander Insurance to sign up for the UltraVPN included with the Elite Plan at <a href="tel:8882103274;">888-210-3274</a> today!</span></p>


What is a VPN?

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-2663" src="https://static.zanderins.com/wp-content/uploads/2021/11/03155329/blog-idt-antivirus.png" alt="idt antivirus" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2021/11/03155329/blog-idt-antivirus.png 1110w, https://static.zanderins.com/wp-content/uploads/2021/11/03155329/blog-idt-antivirus-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2021/11/03155329/blog-idt-antivirus-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2021/11/03155329/blog-idt-antivirus-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p><span style="font-size: 25px; line-height: 50px;">An antivirus program works in the background to identify and remove viruses and other forms of suspicious malware from your device. Once the threat is identified, antivirus software works to remove it from your computer and or laptop. Not only does it work to remove known viruses, but it works preemptively to prevent any virus from infecting your computer.</span></p>
<hr />
<h2>What is a Computer Virus?</h2>
<p style="margin: 0in;"><span class="TextRun SCXW81867063 BCX0" lang="EN-US" xml:lang="EN-US" data-contrast="none"><span class="NormalTextRun SCXW81867063 BCX0" data-ccp-parastyle="Normal (Web)">A computer virus is any program that enters your system without your knowledge. A virus, like a cold, can spread from computer to computer, performing unwanted and malicious actions that can affect your system&#8217;s performance, such as slowing it down, damaging or deleting files, and preventing you from using your computer. These viruses, spyware, and other malicious software are called malware, which can be downloaded onto your computer without you knowing. But a computer virus can have larger consequences than just file damage. It can enable hackers to have access to your personal information, possibly leading to identity theft.</span></span></p>
<h2>How Does My Computer Get Infected by Malware?</h2>
<p><span class="TextRun SCXW53213705 BCX0" lang="EN-US" xml:lang="EN-US" data-contrast="none"><span class="NormalTextRun SCXW53213705 BCX0" data-ccp-parastyle="Normal (Web)">Hackers typically use a malware or virus program to access and infect their victims&#8217; computers. By sending a malicious email, the hacker can access your files. Once access is gained, the hacker can use your information as they please, either deleting or damaging it and in some cases demanding ransom for it later.?</span></span></p>
<h2>Do I Need Antivirus Software?</h2>
<p style="margin: 0in;"><span class="TextRun SCXW221756248 BCX0" lang="EN-US" xml:lang="EN-US" data-contrast="none"><span class="NormalTextRun SCXW221756248 BCX0" data-ccp-parastyle="Normal (Web)">Antivirus software is essential to protecting your computer and personal information. A good way to understand why you need antivirus software is to think of your computer as a home, and a computer without antivirus software is like a home with an unlocked front door. Anyone that comes along would have access to your home and everything in it. This same idea applies to your computer without antivirus software. A computer without antivirus software is susceptible to an array of threats. By installing antivirus software, you lock the front door and protect your computer and everything on it.?</span></span></p>
<h2>Zander UltraAV</h2>
<p><span data-contrast="none">The UltraAntivirus software included with the Elite plan protects against malware, spyware, trojans, worms, and other malicious software that could compromise your data and spread to other networks. It looks for hidden viruses and eliminates them automatically.</span><span data-ccp-props="{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}"> </span></p>
<p><span data-contrast="none">Contact Zander Insurance to sign up for the UltraAntivirus software included with the Elite Plan at <a href="tel:8882103274;">888-210-3274</a> today!</span><span data-ccp-props="{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}"> </span></p>
<p>&nbsp;</p>


What Is Antivirus Software?

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-2488" src="https://static.zanderins.com/wp-content/uploads/2021/09/09154708/blog-banner_storm-1.png" alt="rainy umbrella" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2021/09/09154708/blog-banner_storm-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2021/09/09154708/blog-banner_storm-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2021/09/09154708/blog-banner_storm-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2021/09/09154708/blog-banner_storm-1-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<h2>When severe weather hits, the most important thing you can have is a plan. At Zander Insurance, we want our clients to know that we’ve got your back before and after an inclement weather event, so we’ve provided some tips to help you, your family, and your home withstand the storms.</h2>
<hr />
<h2>Tornadoes</h2>
<p>Tornadoes often come with little to no warning and, with speeds reaching up to 70 MPH, give you minimal time to find a safe space for shelter.</p>
<h3><strong><u>Before the Tornado</u></strong></h3>
<p><strong>Plan a Family Tornado Drill</strong></p>
<p>Everyone in your family must know what to do and where to go in the event of a tornado. During your practice drill, you should make sure to say what rooms in your home/apartment building are the safest to be in if a tornado happens.</p>
<p><strong>Recognize the Warning Signs</strong></p>
<ul>
<li>Dark skies, often greenish in hue</li>
<li>Sizeable hail</li>
<li>Large, low-lying dark clouds (especially if rotating)</li>
<li>Loud roar, similar to a freight train</li>
</ul>
<h3><strong><u>During the Tornado</u></strong></h3>
<p><strong>Get To Shelter</strong></p>
<p>If you have access to a safe room, get there fast. If you do not have a safe room &#8212; or if there is no time to reach it – get to the most secure place you can find, putting as many walls (and ceilings) between you and the tornado as possible. In the event you aren’t home, seek shelter in the closest building to you and head to the lowest floor. Most importantly, do not try to outrun it, even if you are in a car. If you’re in a vehicle and there are no nearby structures to seek shelter, fasten your seatbelt and cover your head.  Don’t park your vehicle under a bridge or overpass – these structures can collapse during a tornado.</p>
<p>Don’t worry if you live in a high-rise building or don’t have a basement; simply go to a bathroom or closet, or the lowest floor. You could take shelter under a stairwell, but make sure to cover yourself with paddings, like a mattress or blankets, to protect against flying debris.</p>
<p><strong>Get the Word Out</strong></p>
<p>Call neighbors and loved ones to ensure they know when the area is affected by a tornado watch, and use social media to encourage people to get somewhere safe.</p>
<h3><strong><u>After the Tornado</u></strong></h3>
<p>Looking for damage after the tornado should only be done once the tornado warning has expired. Even if it looks calm out, that doesn’t mean it is safe to go out. Once you have received the all-clear to leave your shelter, be cautious when checking damages to your house and vehicle. Also make sure to report any downed power lines or issues with your utilities.</p>
<h2>Floods</h2>
<p>Before preparing for a flood, it is important to discern between a flood watch versus a warning. The Red Cross notes that a flood watch means, based on conditions, it is likely for a flood or flash flood to occur. However, a flood warning means that either a flood or flash flood is about to happen or <em>is</em> happening.</p>
<h3><strong><u>Before a Flood</u></strong></h3>
<p>It is important to take these steps to help protect your family and home:</p>
<ul>
<li>Clear gutters and downspouts of debris, so water can run freely.</li>
<li>Elevate furniture and electronics; set appliances on concrete blocks.</li>
<li>Know what route you’re taking in the event of an evacuation.</li>
<li>Shut off utilities if the breaker panel could end up underwater.</li>
<li>Fill your car’s gas tank and pack an emergency kit at the first notification of a flood watch.</li>
<li>If time allows, consider placing sandbags around your home.</li>
</ul>
<h3><strong><u>During a Flood</u></strong></h3>
<p>If you are told to evacuate, make sure you do so as soon as possible to avoid getting stuck. If evacuation is not necessary for your area, keep track of the news via television or weather radio to be aware of any weather changes and get to the high ground if necessary. It is important to not walk, swim, or drive through flooded waters as they could contain debris or sewage.  Even worse, currents could sweep you away and cause injury or death.</p>
<h3><strong><u>After a Flood </u></strong></h3>
<p>If you are evacuated, only return home once authorities say it is safe to do so. Once you arrive home, be wary of floodwater as it can contain dangerous debris or be electrically charged from downed power lines. Make sure to clean anything that got wet during the flood to avoid growing hazardous mold. If there is still floodwater in your area, avoid driving unless it is an emergency.</p>
<h2>Hurricanes</h2>
<h3><strong><u>Before a Hurricane</u></strong></h3>
<p><strong>Stock Emergency Supplies </strong></p>
<ul>
<li>1 gallon of water per person per day, for at least three days</li>
<li>At least a three-day supply of nonperishable foods</li>
<li>Flashlight(s) and extra batteries</li>
<li>First-aid kit</li>
<li>Necessary medications, including glasses and contact lenses</li>
</ul>
<p><strong>Document Belongings</strong></p>
<p>Take photos of all your possessions, your home, deck, vehicles, etc. before the storm hits, in the event you need to document damage afterward.</p>
<p><strong>Fill Your Bathtub with Water</strong></p>
<p>Before the hurricane, fill your bathtub with water to use in the event your water supply is cut off and you need to clean clothes, dishes or add water to flush toilets.</p>
<p>Bring in all lawn furniture and anchor objects that cannot be brought inside.</p>
<h3><strong><u>During a Hurricane </u></strong></h3>
<p>Take shelter in the safest room in your house and stay there until the storm is over. In most cases, the safest place to be is your basement.</p>
<p>If your power goes out, to avoid the threat of fire, don’t use candles. Use only flashlights and battery-operated lanterns for illumination.</p>
<h3><strong><u>After A Hurricane</u></strong></h3>
<p>Wait until it has been confirmed that the hurricane has passed. Just because the weather has died down doesn’t mean it is safe to go outside – it could just be the eye of the storm.</p>
<p>Once you have received the okay to leave your house, only drive if necessary and be sure to avoid flooded roads. In your home, do not drink the tap water until it has been confirmed as contamination-free. Be sure to take photos and create a list of all damages your home, property, or vehicle might have sustained and then contact your insurance company to report the damage and file a claim.</p>
<p>In the event of a disaster, the Personal Lines Team is here for you! We are not only part of your community, but we live here as well. Our team can help you with reporting a claim and help you get back on the road to recovery. We have a mobile team that can work from just about anywhere. In the unfortunate event of a catastrophe, please call us at 800-356-4282. We will be glad to help.</p>


Tips to Help You Weather the Storms

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-2304" src="https://static.zanderins.com/wp-content/uploads/2021/03/24182440/antivirus.png" alt="antivirus" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2021/03/24182440/antivirus.png 1110w, https://static.zanderins.com/wp-content/uploads/2021/03/24182440/antivirus-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2021/03/24182440/antivirus-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2021/03/24182440/antivirus-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<h2>As our world grows more reliant on technology, cybercriminals have developed sophisticated ways to access our personal devices.</h2>
<hr />
<p>While being a cautious Internet user can help to decrease your risk of becoming a victim, anyone who completes transactions online needs protection in place to keep their private information just that – <em>private. </em>Antivirus and VPN software are two of the most cost-effective solutions to navigate the risk of shopping, communicating, and working digitally.</p>
<h2><strong>Why Do I Need Antivirus Software?</strong></h2>
<p>Antivirus software runs in the background to prevent, scan, detect, and delete viruses. Without this protection, your devices are vulnerable to becoming infected with malware, spyware, ransomware, and adware. This can cause your computer to run slower, delete files, or crash completely. Your identity may also be compromised if your device becomes infected, making antivirus software an important component of <a href="https://www.zanderins.com/identity-theft-protection">identity theft protection</a>. Most people use several devices to complete everyday transactions, so be mindful of that when considering which devices need this protection. If you use a smartphone, computer, tablet, and/or any other electronic devices, consider how you use them and whether or not antivirus software would increase the security of each device.</p>
<h2><strong>What is a Virtual Private Network (VPN)?</strong></h2>
<p>A virtual private network (VPN) masks your IP address, allowing you to browse the web anonymously through a private network. This anonymity has been more necessary in recent years, as several companies track Internet habits to determine consumer behavior. A public internet connection also leaves your network vulnerable to attacks, creating another avenue for thieves to access files on your computer, your conversations, and your personal information, often with the goal of stealing your identity. This is a threat that has only grown more prevalent in recent years as most people access their bank accounts, shop online, send emails, and pay bills while on the go. Unless you’re using a private network all of the information you’re transmitting may be susceptible to exposure. In addition to increased cybersecurity, a VPN allows you to stream from any location – this is especially important if you plan on traveling overseas, as streaming services are often unavailable outside of the country.</p>
<h2><strong>Where Can I Get VPN and Antivirus Software?</strong></h2>
<p>Zander Elite includes UltraVPN and UltraAV in addition to our identity theft protection services.  This cybersecurity bundle enhances your protection at a fraction of what you’d pay for the products individually. The best part? By combining your device protection with your ID theft protection, you simplify your life with only one point of contact for all your cybersecurity needs. This upgraded plan also allows you to lock and unlock your Experian credit report to protect against unauthorized use and updates you on new account activity. Give our team at Zander ID Theft Solutions a call at <a href="tel:18882103274"><strong>1.888.210.3274</strong></a> to learn more about our premium VPN, antivirus software, personal information monitoring, reimbursement, or any other features of our plan. You can also visit the link below to enroll and activate your protection immediately.</p>


What Are Antivirus and VPN Software – Zander Elite

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-2145" src="https://static.zanderins.com/wp-content/uploads/2021/03/02210502/dark_web_monitoring_zander_idt.png" alt="dark web monitoring zander idt" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2021/03/02210502/dark_web_monitoring_zander_idt.png 1110w, https://static.zanderins.com/wp-content/uploads/2021/03/02210502/dark_web_monitoring_zander_idt-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2021/03/02210502/dark_web_monitoring_zander_idt-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2021/03/02210502/dark_web_monitoring_zander_idt-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p>The dark web – mysterious, dangerous, and something regular people don’t have to worry about. Right? Not exactly. Data breaches have exposed millions of personal and financial records, leaving virtually everyone at risk for identity theft. In fact, there were 13 million victims in 2019 alone!<sup>1 </sup>Once that information is exposed, you can probably guess where it often ends up: the dark web.</p>
<h2><strong>What <em>is </em>the Dark Web?<br />
</strong></h2>
<p>Most of us are familiar with the term “dark web” – but what exactly is it? There are three levels to the Internet: that which is publicly available (the world wide web), the deep web, and the dark web. Here’s a quick overview of what each of these levels entail:</p>
<ul>
<li><strong>The World Wide Web:</strong> This part of the Internet is made up of online shopping sites, news sources, social media, and other sites where you likely spend most of your time.</li>
<li><strong>The Deep Web:</strong> This makes up the largest segment of the Internet and includes members-only sites, school intranets, and internal company sites.</li>
<li><strong>The Dark Web:</strong> This is a hidden network of sites that you can only access with a special web browser. This is where the majority of identity theft incidents take place, as these sites allow users to mask their IP address, maintaining their anonymity.</li>
</ul>
<p>While the dark web is the primary spot for buying and selling personal information, there are several ways identity thieves use the public web to obtain that information in the first place. Keep an eye out for some of the <a href="https://www.zanderins.com/blog/scams">most common scams</a> to lessen your chances of your information falling into the wrong hands.</p>
<h2><strong>How Can I Keep My Information Off the Dark Web?</strong></h2>
<p>If it <em>does </em>hit the dark web, however, you want to know about it immediately. If you’re a Zander ID Theft Solutions member, <a href="https://www.zanderins.com/blog/zander-idt-alert-what-now" target="_blank" rel="noopener noreferrer">we’ll send you an alert</a> if your information is found on the dark web so you know to take proactive measures like checking your credit report for suspicious transactions and placing a fraud alert on your credit. A fraud alert will notify creditors that extra steps should be taken to verify your identity if your information is used to apply for credit. Using strong passwords, using a virtual private network (VPN), and being careful with your wallet and other items which may contain sensitive information are just a few ways to keep your information safer.</p>
<h2><strong>What Does Dark Web Monitoring Mean?</strong></h2>
<p>Dark web monitoring scans hundreds of thousands of websites for your personal information. If a match is found, you’ll receive an alert. <a href="https://www.zanderins.com/identity-theft-protection" target="_blank" rel="noopener noreferrer">Zander ID Theft Solutions’</a> surveillance technology monitors black-market sites globally, covering everything from chat rooms to social media. This process scans for your social security number, bank account information, credit and debit card numbers, passport numbers, medical ID numbers, and any other information you provide us to monitor.</p>
<h2><strong>Why is Dark Web Monitoring Important?<br />
</strong></h2>
<p>The process of identifying personal information on the dark web is more than anyone can handle manually – in fact, this portion of the Internet isn’t even accessible to the average person! Zander ID Theft Solutions uses technology that scans <em>millions</em> of data points with spidering technology and forum extraction every day to alert you if your information is being bought, sold, or traded on the dark web. If we see your information somewhere it doesn’t belong, we’ll let you know and will walk you through the next steps in protecting your identity.</p>
<h4>Call Zander Identity Theft Solutions at 1-888-210-3274 or <a href="https://www.zanderins.com/identity-theft-protection">view plans</a> starting at less than $7 a month. <a href="https://www.zanderins.com/contact-us">Contact us</a> if you have any questions about dark web monitoring.</h4>
<p><em><sup>1</sup>Citation: 2019 Identity Fraud Study, Javelin Strategy &amp; Research, Identity Theft Resource Center</em></p>


Is Your Personal Information on the Dark Web?

<p><img decoding="async" loading="lazy" class="alignleft wp-image-2087 size-full" src="https://static.zanderins.com/wp-content/uploads/2021/02/03150715/blog-banner-min.jpg" alt="Unemployment Fraud on the Rise" width="825" height="305" srcset="https://static.zanderins.com/wp-content/uploads/2021/02/03150715/blog-banner-min.jpg 825w, https://static.zanderins.com/wp-content/uploads/2021/02/03150715/blog-banner-min-300x111.jpg 300w, https://static.zanderins.com/wp-content/uploads/2021/02/03150715/blog-banner-min-768x284.jpg 768w" sizes="(max-width: 825px) 100vw, 825px" /></p>
<p>&nbsp;</p>
<p><span style="font-size: 25px; line-height: 50px;">As more and more people are laid off or voluntarily leave their jobs due to safety concerns, budget cuts, and lifestyle changes associated with COVID-19, it’s important to know what to look out for when it comes to unemployment fraud. Unfortunately, it’s in these moments of vulnerability that identity thieves prey on victims, making an already-difficult time even more challenging. Here are some common scams to look out for while navigating this situation. </span></p>
<hr />
<h2>Fake Government Websites</h2>
<p>A common approach thieves use is creating fake websites meant to look like they’re run by the government. This is a way for them to get enough of your information to file an unemployment claim in your name. Keep in mind that if they have enough data to do that, they likely have enough to commit other forms of identity theft with that information as well.</p>
<h2>Phishing Texts and Emails</h2>
<p>This tried-and-true method is one most of us are aware of but should remain top-of-mind. If you don’t recognize a number or email address from which someone is contacting you, don’t click on any links or open attachments or provide any sensitive information. Phishing attempts have gotten more sophisticated, and may often appear to come from a friend or colleague (for example, your HR department asking to update your file with personal information)!</p>
<h2>Unsolicited Phone Calls</h2>
<p>The are a couple of reasons you could get a call about an unemployment claim when you haven’t filed one. One may be that someone else has filed an unemployment claim posing as you (here are some <a href="https://www.zanderins.com/blog/signs" target="_blank" rel="noopener noreferrer">signs that your identity may have been stolen</a>). Alternatively, you could be getting the call from someone who is trying to steal your identity. If the person on the line asks you to pay a fee or provide personal information on the phone, beware! Those are two of the biggest red flags you may encounter with any type of solicitation.</p>
<h2>How Do I Protect Myself?</h2>
<p>The best way to protect your personal information is to be aware of scams, remain diligent in monitoring your transactions, and know who to call if something goes wrong. Sometimes thieves make minor purchases before making attempts at larger ones as a way to see if you’re monitoring your transactions, so make sure to report anything suspicious, no matter how small.</p>
<p>There is no way to prevent identity theft entirely, which is<strong> why your safest option is to enroll in a comprehensive identity theft protection plan.</strong> <a href="https://www.zanderins.com/identity-theft-protection">Zander Identity Theft Solutions</a> covers all types of identity theft and monitors your information to let you know if you’ve become a victim. If that is the case, we’ll handle the restoration work and provides up to $1 million dollars in reimbursement.</p>


Unemployment Fraud on the Rise

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-1965" src="https://static.zanderins.com/wp-content/uploads/2020/10/01135814/ZanderAlerts_October.png" alt="Zander IDT Alerts" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/10/01135814/ZanderAlerts_October.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/10/01135814/ZanderAlerts_October-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/10/01135814/ZanderAlerts_October-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/10/01135814/ZanderAlerts_October-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p><span style="font-size: 25px; line-height: 50px;">Receiving an alert that your personal information has been compromised can be scary. The good news? It doesn’t mean you’re a victim of identity theft. We proactively monitor your information and alert you if that information is found on the dark web. </span></p>
<hr />
<h2>Here are a few steps to take if you receive a notification from us:</h2>
<h2>Check Your Credit Report</h2>
<p>We recommend checking your credit reports and other financial statements regularly (regardless of whether or not you’ve received an alert). The purpose of this is to keep an eye on your transactions and investigate any you do not recognize. If you <em>do </em>see suspicious activity on your credit report, financial statements, or anywhere else, please reach out to us. Our team of restoration specialists will immediately get to work on your behalf to clear your name.</p>
<p>You can access your credit reports from all three bureaus at no cost at <a href="https://www.annualcreditreport.com/index.action" target="_blank" rel="noopener noreferrer">https://www.annualcreditreport.com/index.action</a>. You can even check for updates once a week at no additional charge! It’s a free and easy way to stay on top your financial information.</p>
<h2>Place a Fraud Alert</h2>
<p>Visit <a href="https://www.experian.com/fraud/center.html" target="_blank" rel="noopener noreferrer">https://www.experian.com/fraud/center.html</a> to place a fraud alert on your credit. This will notify a potential creditor that extra identity verification steps should be taken if your personal information is used to apply for credit. Fraud alerts are free and last an entire year.</p>
<h2>Stay Calm<strong><br />
</strong></h2>
<p>It’s easier said than done, but you can rest assured that if you received an alert from Zander ID Theft Solutions, we’re handling it. We cover all types of <a href="https://www.zanderins.com/identity-theft-protection">identity theft</a>, so if you <em>do </em>become a victim, remember – you’re protected by $1 million in stolen funds and expense reimbursement, full-service restoration, and access to our team of experts 24/7/365.</p>


I Received an Alert from Zander ID Theft Solutions – What Now?

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-1883" src="https://static.zanderins.com/wp-content/uploads/2020/08/03193931/IDTCOVID-19UPDATE.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/08/03193931/IDTCOVID-19UPDATE.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/08/03193931/IDTCOVID-19UPDATE-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/08/03193931/IDTCOVID-19UPDATE-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/08/03193931/IDTCOVID-19UPDATE-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p>According to the Federal Trade Commission, there have been more than 150,000 complaints and $68 million dollars lost due to COVID-19 scams. New methods of obtaining personal information are emerging, including fake antibody testing and contact tracing. An important part of keeping yourself safe from identity thieves (both during the pandemic and after) is to know their tactics. Read to learn which states are most vulnerable, what tricks are most commonly used, and a few ways to safeguard your personal information during this chaotic time.</p>
<h2><strong>What States Have Been Hit the Hardest?</strong></h2>
<p>With the influx of news stories about unemployment fraud, it may not surprise you that there is a correlation between a state’s unemployment rate and the amount of fraud that occurs in that state. Unemployment rates have skyrocketed during the pandemic, creating an increased opportunity for identity thieves to fraudulently file for unemployment benefits. One contributing factor is that many states have had to set aside normal protocols in order to meet the increased demand for these benefits. In response to this, some states have been able to streamline the number of questions a person has to answer, making it easier for employers to verify the claimant’s information.</p>
<p>&nbsp;</p>
<div id="attachment_1881" style="width: 1120px" class="wp-caption alignnone"><img aria-describedby="caption-attachment-1881" decoding="async" loading="lazy" class="size-full wp-image-1881" src="https://static.zanderins.com/wp-content/uploads/2020/08/03193038/Complaints_of_COVID_19_States.png" alt="" width="1110" height="550" srcset="https://static.zanderins.com/wp-content/uploads/2020/08/03193038/Complaints_of_COVID_19_States.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/08/03193038/Complaints_of_COVID_19_States-300x149.png 300w, https://static.zanderins.com/wp-content/uploads/2020/08/03193038/Complaints_of_COVID_19_States-1024x507.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/08/03193038/Complaints_of_COVID_19_States-768x381.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /><p id="caption-attachment-1881" class="wp-caption-text">Source: <a href="https://www.cnbc.com/2020/06/16/states-hit-hardest-by-coronavirus-scams.html" rel="nofollow">CNBC</a></p></div>
<h2><strong>FBI Warns of Fraudulent Coronavirus Antibody Tests</strong></h2>
<p>The FBI recently alerted the public to fraudulent at-home antibody tests, which are being used to obtain personal information. These fake tests have been promoted via email, phone calls, and social media. As of July 2020, there is no legitimate at-home antibody test on the market. If you are experiencing symptoms or have been in contact with someone who has tested positive for COVID-19, contact a healthcare professional for next steps.</p>
<h2><strong>Contact Tracers: How to Spot a Fake</strong></h2>
<p>Identity thieves aren’t stopping at fake antibody tests – they’re also posing as contact tracers. Their goal: to obtain personal information or payment from unsuspecting victims. This type of scam leaves even the most diligent vulnerable, as they’re typically fielding calls from the health department, their doctor, job, family, and friends in the aftermath of contracting the virus.</p>
<p>Depending on your state’s protocol, legitimate contact tracers could call, text, email, or visit your home. A few things they will ask for is your name and home address, health information (i.e. symptoms you are experiencing), and the names of places and people you have visited. What they <em>won’t</em> do is ask you to download something, pay a fee, or share sensitive information such as your social security number, account numbers or immigration status.</p>
<h2><strong>How to Protect Your Data</strong></h2>
<p>Thieves have shown no shortage of creativity when it comes to using the pandemic as a way of gaining personal information. Protect yourself by learning about <a href="/blog/covid-19-scams-update">common coronavirus scams</a> and remaining diligent. We know – it’s easier said than done. That’s why we created Zander Identity Theft Solutions. Enroll today to receive proactive <a href="https://www.zanderins.com/identity-theft-protection-personal-information-monitoring">monitoring</a> and alerts, $1 million in stolen funds and expense reimbursement, and full-service restoration.</p>


COVID-19 Update: Latest Scams

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-1871" src="https://static.zanderins.com/wp-content/uploads/2020/07/15215629/home-and-lightning.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/07/15215629/home-and-lightning.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/07/15215629/home-and-lightning-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/07/15215629/home-and-lightning-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/07/15215629/home-and-lightning-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p>When storms come, we all know to take shelter. What happens, though, if that shelter becomes unsafe? Here’s everything you need to know about protecting your home from the rare – but possible – occurrence of a lightning strike, and what to do if it happens to you.</p>
<h2>How lightning enters homes</h2>
<p>Lightning may enter your home either through a direct strike or through pipes and wires connected to your house. Once this happens, the lightning can travel through electronics such as your phone, radio, TV, or plumbing system. This is why experts recommend avoiding using electronics, taking baths or showers, and taking shelter during storms.</p>
<h2>Ways to protect your house from lightning</h2>
<p>There are a few things you can do to decrease your chances of having lightning strike your house. These methods, while worthwhile, are not foolproof, so we strongly recommend becoming familiar with the details of lightning coverage in your <a href="https://www.zanderins.com/other-insurance/home-insurance">homeowners policy</a>.</p>
<ul>
<li><strong>Lightning Rods:</strong> The best way to prevent lightning damage to your home is to install a lightning rod, which reduced your risk of these damages by 90%. These are smaller and more inconspicuous today than they were many years ago and are typically less than one foot in height. Make sure you are working with a legitimate company that is certified by Underwriters Laboratories or the Lightning Protection Institute.</li>
<li><strong>Tree Maintenance:</strong> Another precaution you should take is making sure there are no large, low-hanging branches that could fall and damage your home if struck by lightning. This protects your home against damage from other natural disasters that may cause a tree to fall as well.</li>
<li><strong>Surge Protectors:</strong> Investing in a surge protector can prevent lightning from entering your home and traveling through your devices. These devices absorb large surges that come in contact with your home and can be installed by a trusted electrician or your utility company.</li>
</ul>
<h2>What to do if your house gets struck by lightning</h2>
<p>First and foremost, evacuate immediately. Lightning can spark fires, and you may not be aware of the full extent of the strike’s damage right away. Once you are in a safe location, call 911 and let them know what has occurred. They will send the fire department to assess damage and risk on your property.</p>
<p>Next, reach out to your electrician to make sure the wiring in your home is still functional and secure. This is an important step, because a potential future fire hazard the <em>last </em>thing you’ll want to be dealing with after getting everything settles. Finally, once you’ve taken care of the most urgent need – your family’s safety – you can begin the daunting task of sorting everything out with the insurance company. If you have your home insurance through Zander, you can give us a call and we’ll handle talking to your insurance company to save you some time (and stress)! Get a free, instant quote below to get in touch with an agent you can trust.</p>


Lightning Safety and Your Home

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-1853" src="https://static.zanderins.com/wp-content/uploads/2020/06/26191632/ecofriendlyinsurance.png" alt="eco friendly insurance" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/06/26191632/ecofriendlyinsurance.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/06/26191632/ecofriendlyinsurance-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/06/26191632/ecofriendlyinsurance-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/06/26191632/ecofriendlyinsurance-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p>Whether it’s concern for the climate or gas prices, there are plenty of reasons to opt for an eco-friendly car. Keep in mind, however, that while you work to save the earth, you <em>might </em>not be saving cash. Your insurance premiums will likely be a bit more expensive for alternative-energy vehicles. Cost isn’t the only factor to consider, but shouldn’t be overlooked if you’re pinching pennies and considering a going green to create more space in your budget.</p>
<h2>Why does environmentally-friendly auto insurance cost more?</h2>
<p>The cost of your <a href="https://www.zanderins.com/other-insurance/auto-insurance">auto insurance</a> depends, in part, on the cost of your vehicle. If your car costs more, so do the parts that must be replaced or repaired if damaged. Comprehensive and collision coverage premiums in particular may be priced higher for your hybrid or electric vehicle because the parts are less common and are typically more expensive to replace. As cars with alternative fuel sources become more common, this will become less of an issue.</p>
<h2><strong>So – <em>do </em>you pay more in the long run?</strong></h2>
<p>It’s hard to say, and as with most insurance questions, the answer to this depends on your personal circumstances. Generally speaking, choosing a hybrid or electric probably isn’t the best way to go if your motives are purely economic. In most cases, you’ll save more in the long run with a pre-owned gas-engine vehicle. But don’t fret – there are other ways to decrease the toxins (and <em>cash</em>) you’re putting out on your commute. Consider carpooling, moving closer to work, or trading in your gas-guzzler for a used vehicle with better mileage.</p>
<p>If social responsibility is what’s fueling your decision, don’t let your auto premiums discourage you. An independent agent can compare rates from various companies to see where you can get the best deal. Some insurance companies also offer discounts to incentivize drivers to go green, so ask your agent about those options as well. Allstate, Farmers, 21st Century, The Hartford Group, Liberty Mutual, and Travelers are a few companies who have offered some type of incentive to decrease your carbon footprint. As more businesses trend toward social responsibility, these discounts may become more widely available.</p>
<p>If you’re still crunching numbers and unsure of where to turn next, give us a call. Our Guides are well-versed in which companies offer these discounts and can help you determine what your options are.</p>


Do you pay more for having an eco-friendly car?

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-1857" src="https://static.zanderins.com/wp-content/uploads/2020/06/29165116/lifeinsurancecovid19update.png" alt="life insurance covid19 update" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/06/29165116/lifeinsurancecovid19update.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/06/29165116/lifeinsurancecovid19update-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/06/29165116/lifeinsurancecovid19update-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/06/29165116/lifeinsurancecovid19update-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p>As health officials continue to learn more about what this virus means for us long-term, we’re understanding more about how this will affect the insurance industry as well. Rate increases and restrictions on who can apply have become more prevalent and aren’t slowing down any time soon. As you consider the best way to protect your loved ones, here are a few of the most frequently asked questions about the <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">effect of the coronavirus on life insurance</a>:</p>
<h2>Will the coronavirus affect life insurance prices?</h2>
<p>If you already have a policy in place, know that the Coronavirus pandemic will not change that. If you don’t yet have this protection, however, you should move quickly. Companies have had to implement pricing increases because of the risk older age groups face, and whether or not everyone will absorb these increases or if it will only affect the older demographic is still unknown. In short: prices won’t be going down anytime soon, so it’s smart to get your application in as soon as possible<strong>.</strong> New data on the mortality rates of the coronavirus have also led to a continued tightening of restrictions on who can apply, so waiting means risking the possibility of being unable to get the coverage you need.</p>
<h2>When will things go back to <em>normal</em>?</h2>
<p>Insurance companies have widely acknowledged that this could change the underwriting process forever. The possibility of long-term damage to the lungs and heart means that even once an individual recovers from the virus, they may have more serious complications down the road, which may make effect of the coronavirus on life insurance coverage even more difficult and expensive to obtain. Even a vaccine may not change this fact, as news of re-infections has surfaced.</p>
<h2>Is it safe to get a medical exam?</h2>
<p>We continue to work with the medical exam companies to find the safest, quickest ways for you to complete this requirement. The exam companies with whom we work are following CDC guidelines to ensure your health and safety. We’re also seeing new developments in electronic medical record retrieval and alternatives to in-person exams for some individuals, meaning that you may be able to complete this requirement without meeting with an examiner.</p>
<p>We’re here to support you during this difficult time and will do everything in our power to help you secure this necessary protection for your family. Please don’t hesitate to reach out to us by phone or email with any questions or concerns.</p>


Life Insurance and Coronavirus Update – Zander Insurance

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-1848" src="https://static.zanderins.com/wp-content/uploads/2020/06/19141053/monitordriving.png" alt="monitor driving" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/06/19141053/monitordriving.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/06/19141053/monitordriving-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/06/19141053/monitordriving-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/06/19141053/monitordriving-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p>Typically, your driving history is the primary way for insurance companies to learn what kind of driver you are. But circumstances change–and so do our driving habits. When a company is able to track your driving behavior (with a tracker known officially as a “vehicle telematics device”), they have access to information such as your commute and observation of road rules and can use those factors to determine how much your premium will be.</p>
<p>This type of plan, called “usage based car insurance,” is growing in popularity, and for good reason! Depending on your insurance company and your personal driving habits, your premium could go down by as much as 40%. Some companies use a base price plus a per-mile rate, which may be beneficial to low-mileage drivers.</p>
<h3>Are there any risks?</h3>
<p>On the other end of the spectrum, risky drivers may want to avoid driving behavior monitoring (or better yet, start practicing safer driving), as their prices could go <em>up. </em>That’s right–these devices catch the good and the bad, in hopes that this will encourage better driving and make <a href="https://www.zanderins.com/other-insurance-auto-insurance">auto insurance</a> pricing fairer. Not every company enforces penalties for bad driving, however, so it’s important to ask about. If they do raise premiums for bad driving, make sure to get all the details, such as which behaviors (speeding, slamming your brakes, etc.) can cause your rate to go up.</p>
<p>The other trade-off for agreeing to allow your insurance company to monitor your driving behaviors is relinquishing a bit of privacy. These monitors show them how fast–and <em>where</em>–you go. These details reveal a lot about who you are and what you enjoy, so if this is a concern, we advise reaching out to ask the company how the information they receive will be used.</p>
<h3><strong>What companies offer low prices for good drivers?</strong></h3>
<p>Here are a few companies that offer this benefit:</p>
<ul>
<li>Snapshot by Progressive</li>
<li>SmartRide by Nationwide</li>
<li>Drive Safe &amp; Save by State Farm</li>
<li>Drivewise by Allstate</li>
<li>RightTrack by Liberty Mutual and Safeco</li>
<li>OnTrack by Grange</li>
<li>Safety 360 by State Auto</li>
<li>IntelliDrive by Travelers</li>
</ul>
<p>If your insurance company doesn’t offer this benefit, you might want to consider shopping around to see who does. Checking out your options doesn’t cost a thing, and our Zander Guides are here to help you every step of the way. Our team is familiar not only with safe driving discounts, but also has access to competitive pricing that saves our average customer $600 a year. That’s the Zander Way.</p>


Does your insurance company monitor your driving?

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-1841" src="https://static.zanderins.com/wp-content/uploads/2020/06/08141854/childonlinesafety.png" alt="child online safety" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/06/08141854/childonlinesafety.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/06/08141854/childonlinesafety-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/06/08141854/childonlinesafety-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/06/08141854/childonlinesafety-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p>The Internet can be an educational tool, source of entertainment, and method of communication. However, there are a number of risks associated with the Internet as well, so it’s important that we educate our kids about how to be a safe consumer of technology. Here are a few tips for when and how to have these conversations.</p>
<h2>When to have the talk</h2>
<p>When is the right time to start having age-appropriate conversations about online safety? As soon as your child begins using the Internet.  Even if you’re still supervising everything they do on the computer, it’s important to make them aware of the precautions they must take to stay safe.</p>
<h2>What points to cover</h2>
<ul>
<li><strong>Stranger Danger. </strong>This is especially important if your child uses social media sites or gaming consoles that allow them to connect with other people. Xbox and PlayStation 4 are two examples of systems that include this feature. If your child accesses one of these systems, it may be a good idea to adjust the “Privacy and Online Safety” settings to your comfort level.</li>
<li><strong>Mental Health. </strong>Even if they follow all the rules and avoid talking to people they don’t know in real life, bullying is an issue that seems to have only gotten worse with the increase in social media use. Another mental health risk is the time factor–it’s easy for adults to get sucked into technology, and the same applies to our kids! Setting solid guidelines for how much time can be spent on technology is a good way to prevent this issue. The Nintendo Switch even allows parents to control how long the device stays on through their mobile app!</li>
<li><strong>Privacy and Information.</strong> Passwords protect our personal information–but only if those passwords are secure. Educate your child on what makes a password safe. Using a different password for every site and using numbers, capital letters, and special characters are good ways to ensure password security.</li>
</ul>
<h2>Other tips to keep them safe</h2>
<p>When all else fails, monitoring behavior is an effective method to keep your child (especially young ones) safe on the Internet. Keeping the computer in a shared space such as a living room helps encourage safe behavior and allows you to see if they are engaging in any activities that may be unsafe. If your kiddo has a mobile phone or tablet, blocking sites you’re uncomfortable with them visiting is an alternative that still allows you some control over their online activity. In short, <strong>educate</strong> your child about staying safe online, <strong>model </strong>safe practices, and <strong>check in</strong> to make sure those guidelines are being followed.</p>


How to Talk to Your Child about Online Safety

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-1788" src="https://static.zanderins.com/wp-content/uploads/2020/05/21220326/single_blog.png" alt="life insurance for singles" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/05/21220326/single_blog.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/05/21220326/single_blog-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/05/21220326/single_blog-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/05/21220326/single_blog-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p>The best way to determine whether or not you need <a href="https://www.zanderins.com/term-life-insurance-instant-quotes">life insurance</a> is to ask yourself one simple question: <em>who depends on my income?</em> If the answer is <em>only you</em>, life insurance may not be your biggest priority right now – and that’s okay! The primary purpose of life insurance is to allow your loved ones to maintain their financial lifestyle after you’re gone. If the loss of your income wouldn’t impact anyone else, then you don’t have to worry about that. Generally speaking, if you’re not married, you can save yourself a little money by foregoing life insurance for the time being. As with most things, however, there are a few exceptions.</p>
<h2>If you have children . . .</h2>
<p>Children are called our “dependents” for a reason. They depend on us for care, guidance, and resources. If you have a kiddo in your life that relies on your income to meet their needs, you need term life insurance. The age of your child(ren) plays a role in how long you’ll need coverage – ideally, until they graduate college – so keep that in mind when choosing your term length.</p>
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<h2 class="FormHeaderText__heading align-self-center text-sm-center text-md-center text-lg-left text-center" style="line-height: 3rem; margin: 3rem 0px; text-align: left;">&#8220;<strong>Life insurance is to replace your income for someone who counts on it. That’s the main thing.</strong>&#8220;<i> &#8211; Dave Ramsey</i></h2>
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<h2>If it’s offered by your employer . . .</h2>
<p>When an employer provides life insurance at no cost, there’s really no reason not to take it. If you have dependents, however, <a href="/blog/why-your-employers-group-plan-is-not-enough">your employer’s group plan may not be enough</a>. Dave Ramsey recommends having 10 to 12 times your income in term life coverage, and no more that 50% of your life insurance through your employer, so be sure to supplement that with an individual policy if someone in your life does depend on your income.</p>
<h2>If you’re drowning in debt . . .</h2>
<p>Unfortunately, most of us have some debt in our lives. If you’re in the “single with student loans” category, purchasing a term life policy to cover your income while you’re paying those off is a smart move. We know – the thought of adding anything else into your budget while working on that debt snowball can be intimidating. The good news? It’s probably more affordable than you think, and the risk of leaving loved ones with your debts outweighs the benefit of saving a few dollars a month.</p>
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I’m Single – Do I Need Life Insurance? (Maybe)

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-1767" src="https://static.zanderins.com/wp-content/uploads/2020/05/19195806/COVID19Update-1.png" alt="COVID-19 Scams to Watch Out For" width="1110" height="411" /></p>
<p>The Federal Trade Commission (FTC) and Better Business Bureau (BBB) have seen a drastic increase in fraudulent activity since COVID-19 began to spread in the U.S. Multiple factors have caused this spike – economic impact payments are being distributed, and with so many out of work, more people are filing for unemployment and other government benefits. The increase in people utilizing these programs has created new opportunities for criminals to prey on the uncertainty and fear many of us are experiencing. Here are a few of the latest scams we’ve seen – and how to avoid them.</p>
<h2><strong>Nursing Home and Assisted Living Scams</strong></h2>
<p>The FTC has received reports that some nursing home and assisted living facilities are tricking residents into signing over their economic impact payments. These organizations argue that since the individual is on Medicaid, the payment would rightfully go to the facility (which is not the case). If you or a loved one was a victim of this scam, contact your state attorney general, who can help to return that money to its rightful owner.</p>
<h2><strong>Unemployment Fraud</strong></h2>
<p>More than 36 million people filed for unemployment at the height of the coronavirus pandemic – a fact that hasn’t gone unnoticed by identity thieves. Some of the information needed to file for unemployment was already made public by past data breaches, and criminals have gotten creative when it comes to getting the information they’re missing. Many have posed as individuals claiming to assist with filing, but instead use the information they receive to file under their own name! A number of fake websites have also been set up to get personal information needed to file for benefits. Avoid falling victim to this scam by making sure any website you use to file for, check the status of, or claim benefits ends in “.gov.”</p>
<h2><strong>Puppy Scams (Yes, You Read That Right)</strong></h2>
<p>The BBB has recorded an increase in fraudulent websites which claim to sell pets. There has been a spike in this scam as many people have turned to our animal friends for companionship during this pandemic to ease feelings of isolation. The virus has also made this scam more effective, as fraudsters use social distancing restrictions as an excuse for not being able to show the animal to the buyer before the purchase is made. Another red flag to watch out for is when a seller asks you to pay extra to vaccinate the animal for COVID-19 – there  are no vaccinations currently on the market, so that’s a good indication that the seller isn’t legitimate. The BBB recommends not buying a pet before seeing it and recommends calling your local animal shelter as a safe alternative. If you have been scammed, report the incident to the BBB or the FTC.</p>
<p>Learn about other pandemic-related scams including <a href="/blog/covid-19-scams">malicious links, fake charities, and economic impact payment fraud</a>.</p>


COVID-19 Continues to Spread – and So Do the Scams

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-1700" src="https://static.zanderins.com/wp-content/uploads/2020/04/17191556/historylifeinsurance.png" alt="history-life-insurance" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/04/17191556/historylifeinsurance.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/04/17191556/historylifeinsurance-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/04/17191556/historylifeinsurance-768x284.png 768w, https://static.zanderins.com/wp-content/uploads/2020/04/17191556/historylifeinsurance-1024x379.png 1024w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p>Each year, May 2<sup>nd</sup> is celebrated as National Life Insurance Day, marking the anniversary of the first <a href="https://www.zanderins.com/term-life-insurance-instant-quotes">life insurance</a> policy being written in the U.S. in the late 1760s. While you may not have had this day marked on your calendar, it does serve as a good reminder that it might be time for a life insurance check-up.</p>
<p>Despite having a national holiday dedicated to it, less than 60 percent of Americans have a life insurance policy in place, and 1 in 5 of those people admit that they don’t have enough. Whether you are underinsured or part of the 40% who have no insurance at all, one thing is certain – 100% of us need life insurance protection. So what’s stopping you from getting this vital coverage?</p>
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<h2 class="FormHeaderText__heading align-self-center text-sm-center text-md-center text-lg-left text-center" style="line-height: 3rem; margin: 3rem 0px; text-align: left;">&#8220;<strong>Term life insurance is a necessary investment for anyone who wants a bright financial future.</strong>&#8220;<i> &#8211; Dave Ramsey</i></h2>
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<p>For some, it’s simply not knowing enough about the product to make an informed decision about purchasing it. For instance, the first question most people ask is “how much life insurance do I actually need?” Dave Ramsey recommends that you choose a face amount – the amount of benefit that would go to your family if you pass away – that is 10-12 times your annual income. This ensures your family has enough financial support to help them move forward, cover any bills and debts, and prepare for their future.</p>
<p>Another common misunderstanding about life insurance policies is the difference between term life insurance versus whole (also known as permanent or cash value) life insurance. The most affordable type of life insurance plan (and the only type that Dave recommends) is term life. Term life insurance provides you with coverage for a specific amount of time, usually between 10 and 30 years. This option is more affordable because it is not worth anything unless you were to die during the course of the term, at which point your beneficiary would receive the tax-free proceeds of your policy. Once the term period is over, you are no longer covered by life insurance unless you purchase a new term policy.</p>
<p>Whole life insurance – as the name implies – lasts for your whole life. The premiums on these policies tend to be significantly more expensive than those of term life insurance because you are accumulating a cash value in addition to your death benefit, which is similar to an investment-type product. Often, these premiums can be 6-20 times more expensive than their term life counterparts, and the rate of return on the investments is not good. Because of the high cost of whole life insurance, obtaining 10-12 times your income is typically not an affordable option, so many people buy lower-value policies than what they need and therefore cannot provide their families with the level of protection that they deserve.</p>
<p>As a society, we are strained by debt and struggling to balance our finances and responsibilities. It is possible, however, to establish an emergency fund, get out of debt, and seek out high-quality investment opportunities to build wealth while making sure your family is taken care of. Term life insurance helps make these goals attainable with protection that is low in cost and high in value.</p>
<p>One of the greatest gifts you can give your loved ones is security for the future. Don’t be a part of the 50 million American families who are either uninsured or underinsured. You are not in this alone – at Zander Insurance, it’s our mission to protect families – and we’re here to help you do just that. Give us a call at 1-800-356-4282 to talk through your options or visit the link below to get your free, instant quote.</p>


History of Life Insurance

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-1684" src="https://static.zanderins.com/wp-content/uploads/2020/04/15194305/scottrider_DIAM.png" alt="scott rider DIAM" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/04/15194305/scottrider_DIAM.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/04/15194305/scottrider_DIAM-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/04/15194305/scottrider_DIAM-768x284.png 768w, https://static.zanderins.com/wp-content/uploads/2020/04/15194305/scottrider_DIAM-1024x379.png 1024w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p>His running earned him the title of the 1982 NCAA Track and Field All-American, a spot in the 1984 Olympic Trials, and the record for the Men’s Outdoor 800-Meter at Ohio State University, which he still holds to this day. Scott Rider was active and healthy, achieving more athletic accomplishments in his early years than most people do in an entire lifetime.</p>
<p><strong><span style="font-size: 25px; line-height: 50px; color: #1077af;">That’s why it came as such a surprise that, at just 47 years old, Scott was diagnosed with Parkinson’s disease.</span></strong></p>
<h2><strong>That diagnosis was Scott’s <em>moment.</em><br />
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<p>After years of being misdiagnosed, he had an answer to what was wrong. A problem that started out so small and subtle turned out to be much bigger than he could have imagined. Scott’s life <em>did </em>change – drastically – but it didn’t come to a halt. Fortunately, he and his family were able to maintain their lifestyle, thanks to the fact that Scott had taken out a disability insurance policy years earlier. Today, that policy helps cover his medical bills and provides enough income for his wife, Kelly, to stay at home and work as his caregiver.</p>
<p><strong><span style="font-size: 25px; line-height: 50px; color: #1077af;">“Without it, I don’t know where I’d be. I feel fortunate that I understood early on that my income was my most valuable asset, and that I needed to insure it.” – Scott<br />
</span></strong></p>
<p>Scott’s story shows us that no matter how healthy we are, none of us knows what the future may hold. Your ability to earn an income is your most valuable asset, and it’s one that needs to be protected. Make sure that you are taken care of, no matter what you <em>moment </em>may be.</p>
<h2><strong>What does Dave recommend?</strong></h2>
<p>Dave Ramsey recommends Zander for <a href="https://www.zanderins.com/disability-insurance-instant-quotes">long-term disability insurance</a>. A good policy will cover 60-70% of your income for a minimum period of five years (or to age 65 if that’s within your budget). A 90-day elimination period (time until your benefits kick in) is standard, but your price will go down substantially if you select a 180-day period instead. Pro tip: prepare for a longer elimination period by beefing up your emergency fund.</p>


From Olympics to Parkinson’s: How One Man Overcame

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-1761" src="https://static.zanderins.com/wp-content/uploads/2020/04/19193101/DIAM2.0.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/04/19193101/DIAM2.0.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/04/19193101/DIAM2.0-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/04/19193101/DIAM2.0-768x284.png 768w, https://static.zanderins.com/wp-content/uploads/2020/04/19193101/DIAM2.0-1024x379.png 1024w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p>Finding ways to cut costs and save money is important – we get it. Saving people money is actually our job! One way you <em>shouldn’t </em>try to lower expenses, however, is by sacrificing insurance coverage that you really need. <a href="https://www.zanderins.com/disability-insurance/instant-quotes">Long-term disability</a> is one of the often-overlooked types of policies that you can’t afford to go without. Your ability to earn an income is your most valuable asset, and you need to protect it.</p>
<h2><strong>Why do I need disability insurance if I have workers’ comp?</strong></h2>
<p>You’re only eligible to receive <a href="https://www.zanderins.com/business-insurance/property-and-casualty/workers-compensation">workers’ compensation</a> if your illness or injury was the result of activities related to your job. The vast majority of cases, however, do <em>not </em>involve the workplace, meaning that these disabilities and illnesses are not covered! Think about it: if you were to have an accident that prevented you from working and it didn’t happen <em>on</em> the job, you would not be eligible for workers’ compensation.  How would you pay the bills or put food on the table? Dave Ramsey suggests purchasing a long-term disability policy no matter how healthy you are or how safe your job is. One in four people will experience a disabling event before retirement, so you’re far more likely to need this than you probably think.</p>
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<h2 class="FormHeaderText__heading align-self-center text-sm-center text-md-center text-lg-left text-center" style="line-height: 3rem; margin: 3rem 0px; text-align: left;">&#8220;<strong>There are more than 51 million working adults without disability coverage. That’s a huge mistake!</strong>&#8220;<i> &#8211; Dave Ramsey</i></h2>
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<h2><strong>What type of policy should I get?</strong></h2>
<p>When it comes to laying out the specifics of a policy, the details can get confusing. Here are some general guidelines based on Dave Ramsey’s recommendations:</p>
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<li><strong>Long-Term vs. Short-Term:</strong> <em>Definitely </em>opt for a long-term policy; you should be able to cover any short-term disabilities with your emergency fund</li>
<li><strong>Coverage Amount:</strong> Choose a policy that covers 60-70% of your income.</li>
<li><strong>Benefit Period: </strong>Select a benefit period of at <em>least</em> five years (85% of cases are resolved within this timeframe), but preferably to age 65.</li>
<li><strong>Elimination Period: </strong>Get the longest elimination period you can afford; the average is 90 days but the cost of coverage reduces significantly if you can wait 180 days to start receiving disability benefits. Remember, your emergency fund should have enough in it to cover this amount of time.</li>
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<h2><strong>How do I get started?<br />
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<p>Our Guides are here to answer any questions you may have and connect you with long-term disability coverage at a competitive price. Give us a call at <a href="tel:18003564282">1.800.356.4282</a> to learn more.</p>


Can Workers’ Comp Replace Disability Insurance?

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-1674" src="https://static.zanderins.com/wp-content/uploads/2020/04/08214055/ASK-DAVE-1.png" alt="home title fraud" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/04/08214055/ASK-DAVE-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/04/08214055/ASK-DAVE-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/04/08214055/ASK-DAVE-1-768x284.png 768w, https://static.zanderins.com/wp-content/uploads/2020/04/08214055/ASK-DAVE-1-1024x379.png 1024w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p class="paragraph" style="margin: 0in; vertical-align: baseline;"><span class="normaltextrun">Home title fraud occurs when a criminal scours electronic records to find a home that has accrued equity. The thief then forges the homeowner’s signature onto a fraudulent bill of sale and transfers legal ownership of the house to themselves. Once the home is in their name, they typically take out home equity loans and disappear, leaving the homeowner with the bill. The scariest part? Most people don’t find out that title theft has occurred until they receive a foreclosure notice in the mail.</span><span class="eop">  </span></p>
<h2><strong>What happens if I become a victim?</strong></h2>
<p class="paragraph" style="margin: 0in; vertical-align: baseline;"><span class="normaltextrun">The thief can use your home’s equity to take out personal loans in your name, and even sell your home without your knowledge.</span><span class="eop"> </span></p>
<h2><strong>Is there any way to prevent it?</strong></h2>
<p class="paragraph" style="margin: 0in; vertical-align: baseline;"><span class="normaltextrun">There is no guaranteed way to prevent home title fraud. If you do become a victim of this or any other fraud, it can take 600+ hours to resolve, and between legal fees and other expenses, can be very costly.</span><span class="eop"> </span></p>
<p>The best thing you can do to protect yourself is invest in a comprehensive <a href="https://www.zanderins.com/identity-theft-protection">identity theft protection plan</a> that includes white glove restoration services. <span class="normaltextrun">Zander Identity Theft Solutions covers all types of identity theft, including home title fraud, meaning there is no need to pay for a costly plan that covers this separately. If you become a victim, our team will take over the work to ensure your identity is fully restored to its pre-theft status, and our plan will reimburse you for up to $1,000,000 in stolen funds and expenses.</span><span class="eop"> </span></p>


What is Home Title Fraud and is it Covered on Zander’s ID Theft Plan?

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-1656" src="https://static.zanderins.com/wp-content/uploads/2020/03/30214334/IDTSuccessStory.png" alt="IDT Success Story" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/03/30214334/IDTSuccessStory.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/03/30214334/IDTSuccessStory-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/03/30214334/IDTSuccessStory-768x284.png 768w, https://static.zanderins.com/wp-content/uploads/2020/03/30214334/IDTSuccessStory-1024x379.png 1024w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p>When Mr. and Mrs. Smith saw charges to Xbox, Microsoft, and iTunes on their bank statement, they knew something was wrong. <strong>They soon found out they had become victims of identity theft, </strong>and their checking account had been used for <em>hundreds </em>of fraudulent purchases that occurred right under their noses<em>.</em></p>
<p>The money was taken in small increments – so small, in fact, that <strong>they didn’t notice the money was missing until <em>two years</em> and more than $8,000 later.</strong> By the time they realized what had happened, the 90-day cutoff to file a stolen funds claim had long passed, meaning the bank was no longer responsible for the loss and denied the Smiths’ claim.</p>
<p>That’s when <a href="https://www.zanderins.com/identity-theft-protection">Zander Identity Theft Solutions</a> stepped in. We worked directly with the insurance companies to file claims on their behalf, scoured their bank statements, learned their spending habits, and found <em>additional </em>fraudulent charges that had gone unnoticed. We are proud to say that our ID theft team was able to secure the Smiths’ account and put their hard-earned money back in their hands.</p>


$8k+ Stolen. Fully Restored.

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-1669" src="https://static.zanderins.com/wp-content/uploads/2020/04/07212128/RealityCheckDIAM.png" alt="Reality Check DIAM" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/04/07212128/RealityCheckDIAM.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/04/07212128/RealityCheckDIAM-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/04/07212128/RealityCheckDIAM-768x284.png 768w, https://static.zanderins.com/wp-content/uploads/2020/04/07212128/RealityCheckDIAM-1024x379.png 1024w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p><a href="https://www.zanderins.com/disability-insurance/instant-quotes">Disability insurance</a> isn’t for people who work in an office . . . right? The statistics say otherwise. It’s not on-the-job accidents that cause the majority of disabilities that prevent people from being able to work – it’s <em>illness!</em></p>
<p>Your emergency fund should be able to cover three months of expenses – but what if you are out of work longer than that? <strong>One in four people</strong> who are in their twenties today <strong>will be</strong> <strong>out of work for</strong> <strong>at least a year</strong> due to disability at some point in their lifetime. <em>That’s </em>something that most of us don’t have stashed away, which is why disability insurance is so important!</p>
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<h2><strong>What type of policy should I get?</strong></h2>
<p>Dave Ramsey recommends purchasing a policy that will replace 60-70% of your income (you can reduce this amount over time as you pay down debt and build up savings). If a policy that lasts to age 65 is within your budget, that is the best option. Otherwise, Dave suggests opting for a policy with benefit period of at least five years. The reason for this is that 85% of disabilities are resolved within that timeframe, so you’re unlikely to need it beyond that point. He also suggests taking the longest elimination period within your budget and avoiding all the bells and whistles the insurance companies will try to sell you on.</p>
<h2><strong>How do I find a good policy?</strong></h2>
<p>Whether you work on a construction site or an office, disability insurance can be the difference that determines whether you’re able to continue paying bills and putting food on the table. At Zander, we’re committed to helping you find the right long-term disability policy for your needs. Get a free, instant quote at the link below or give us a call at <a href="tel:18003564282">1.800.356.4282</a> to protect your most valuable asset.</p>


Do I Need Disability Insurance If I Don’t Work in a Dangerous Profession?

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-1651" src="https://static.zanderins.com/wp-content/uploads/2020/03/30131814/Untitled-design-2020-03-30T081723.977.png" alt="covid-19 scams" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/03/30131814/Untitled-design-2020-03-30T081723.977.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/03/30131814/Untitled-design-2020-03-30T081723.977-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/03/30131814/Untitled-design-2020-03-30T081723.977-768x284.png 768w, https://static.zanderins.com/wp-content/uploads/2020/03/30131814/Untitled-design-2020-03-30T081723.977-1024x379.png 1024w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p>During uncertain times, scammers often attempt to prey on the fear and empathy of potential victims. Here are a few common scams to look out for during the COVID-19 crisis from <a href="https://www.zanderins.com/">Zander Insurance</a>:</p>
<p><strong>Malicious links</strong></p>
<p>If you haven’t already, you will likely receive emails with links offering information about the virus. Many clients have already reported receiving emails supposedly from the World Health Organization, the Wall Street Journal, and other reputable sources, that are, in fact, fraudulent.</p>
<p>Tip: Be sure to look carefully at the sender’s email address, as well as the URL to which the link would direct you, before clicking anywhere within the message. Malicious links are often used to steal personal information, capture login credentials, or install malware on your device.</p>
<p><strong>Fake charities</strong></p>
<p>Another frequently used tactic that re-surfaces during times of crisis: fake charities. Bad actors may attempt to exploit your kind nature by asking for donations to help distribute a coronavirus vaccine (there isn’t one) or similar causes. Be wary of these emails and do your research before opening your wallet!</p>
<p><strong>Checks from the Government</strong></p>
<p>Since there are reports that the United States government may begin sending stimulus money to Americans due to the COVID-19 crisis, either by check or direct deposit, the Federal Trade Commission has made a list of three important tips to keep in mind:</p>
<ul>
<li>The government will not ask you to pay anything up front to get this money.</li>
<li>The government will not call to ask for your social security, bank account, or credit card numbers. Anyone who does is not legitimate.</li>
<li>Checks are not currently being sent out. Anyone who tells you they can get you the money now is using this as a tactic to get your money.</li>
</ul>


Watch Out for These Coronavirus Scams

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-1600" src="https://static.zanderins.com/wp-content/uploads/2020/03/13152917/COVID19.png" alt="COVID-19" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/03/13152917/COVID19.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/03/13152917/COVID19-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/03/13152917/COVID19-768x284.png 768w, https://static.zanderins.com/wp-content/uploads/2020/03/13152917/COVID19-1024x379.png 1024w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p><em>Updated with new information on May 27, 2020.</em></p>
<p>If you already have life insurance, you are covered – a company cannot make changes to a policy that is already active. If you do not currently have coverage, however, your application may be affected. Here’s what you need to know:</p>
<h3>If you’re covered – you’re covered.</h3>
<p>If you already have <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">term life insurance</a>, you can continue to rest easy knowing you have nothing to worry about. Your active policy is secure and will remain unchanged.</p>
<h3>Your safety is our priority.</h3>
<p>If you utilize Zander for your life insurance, your exam will be completed by a third-party paramedical exam company, which is closely following CDC guidelines to ensure the protection of their staff and clients during the pandemic. Exam staff will be conducting appointments and testing as usual during this time, with additional emphasis on hand-washing and other precautionary measures.</p>
<h3>Age restrictions may apply.</h3>
<p>As insurance companies remain unsure of the full effects of this virus, some have implemented age limits for those applying for life insurance. It&#8217;s typically cheaper the earlier you buy, so it&#8217;s always a good idea to take of this sooner rather than later, but <em>especially</em> in this situation.</p>
<h3>Travel to certain countries may have an impact.</h3>
<p>If you have recently traveled (or plan to travel) abroad, be specific about your travel history or plans on your application. This question is always on the application, so don’t worry that this will prevent you from obtaining coverage. But if you have traveled to high-infection areas like China, South Korea, Iran, or Italy to other Level 3 countries as noted on the CDC website (this list changing as developments occur), your application may be postponed for a brief time period. Otherwise, at this time, we have not seen any other changes in eligibility or rates from insurance companies.</p>
<h3>Policies vary by insurer.</h3>
<p>Keep in mind that each insurance company is handling the pandemic differently. It is important now, more than ever, to shop around to make sure the company you choose meets your needs. That’s our role, to help. Our Guides are familiar with each company’s policies and can help you find the one that best fits your individual situation.</p>
<h3>Don’t wait until the crisis is over to get insured.</h3>
<p>It is <em>especially </em>important to make sure your family is protected during a health crisis. Unless your health has been adversely affected (or may have been affected by travel to certain regions) you likely won’t have your application affected. In short – apply as soon as possible.</p>
<p>As always, we are committed to protecting your family, and are here to serve you. Our team is prepared to answer any questions you may have and help you get the coverage you need. Please do not hesitate to reach out with any questions or concerns during this time.</p>


How Will COVID-19 (Coronavirus) Affect Life Insurance?

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-1590" src="https://static.zanderins.com/wp-content/uploads/2020/03/05212137/storm.png" alt="storm fraud" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/03/05212137/storm.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/03/05212137/storm-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/03/05212137/storm-768x284.png 768w, https://static.zanderins.com/wp-content/uploads/2020/03/05212137/storm-1024x379.png 1024w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p>There are always people who will prey on the vulnerable, and natural disasters are no exception. Here are some tips on how to avoid being taken advantage of by storm fraud and contractors in the aftermath of it:</p>
<h3>Choose reputable contractors.</h3>
<p>Opportunists may show up at your doorstep unannounced (red flag). It’s important to be cautious and select a professional who is known to your community. Online reviews are an easy way to get an idea of who has done work in your area. Most companies will not reimburse you for faulty workmanship, which could drastically lower the value of your home or building.</p>
<h3>Remain vigilant.</h3>
<p>Ask to see their contract (and take the time to review it and compare it to others online) and their proof of insurance. This is easy to request, and if they are legitimate, easy for them to provide. If subcontractors will be working on the job as well, they need to have the same coverage.</p>
<h3>Avoid cash payments.</h3>
<p>It’s easier to file a claim against a fraudulent contractor if there’s a money trail. If someone insists on cash payments, be wary. That is a tactic crooks use to disappear (with your cash!) without a trace, leaving necessary repairs unfinished.</p>
<p>Some other red flags to watch out for are contractors who give low prices due to having left over materials, those without a fixed address, can’t provide references, or ask for 10% or more of the estimated cost upfront.</p>
<p><strong>If you have any questions or need help filing a claim, please reach out to us – we are here to help: </strong><a href="tel:18003564282"><strong>800-356-4282</strong></a><strong>.</strong></p>


Storm-Related Fraud and How to Avoid It

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-1581" src="https://static.zanderins.com/wp-content/uploads/2020/03/03201421/Untitled-design-2020-03-03T141407.736.png" alt="disaster plan" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/03/03201421/Untitled-design-2020-03-03T141407.736.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/03/03201421/Untitled-design-2020-03-03T141407.736-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/03/03201421/Untitled-design-2020-03-03T141407.736-768x284.png 768w, https://static.zanderins.com/wp-content/uploads/2020/03/03201421/Untitled-design-2020-03-03T141407.736-1024x379.png 1024w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p>Storms are called natural <em>disasters </em>for a reason. If you’ve experienced a catastrophic event, you know how stressful recovery can be, both physically and financially. Let us be a resource for you as you figure out your next steps.</p>
<h3>If Your Home is Damaged . . .<strong><br />
</strong></h3>
<ul>
<li>Take pictures of as much damage as you can for documentation for the adjuster, documenting with video when you can. At the very least, make a written list of all belongings; it is very difficult to recall from memory all your personal belongings, especially in times of crisis.</li>
<li>If there is a partial loss or significant damage, try to cover as much as possible to prevent further damage – <em>only</em> if the area is safe.</li>
<li>Notify your insurance agent of your claim as quickly as possible.</li>
<li>When contacting a contractor, find out as much information about them prior to signing an agreement. The carriers may also have a list of approved contractors, don’t be afraid to ask.</li>
<li>Discuss additional living expenses with your adjuster. If your <a href="https://www.zanderins.com/other-insurance/home-insurance">home</a> is uninhabitable, the insurance company could provide living expenses up to the limits of the policy, or an advance to pay for repairs to begin.</li>
<li>Discuss with adjuster any trees that are blocking access to the home, as well as damage to adjacent structures like retaining walls, garages, pools, etc.</li>
<li><strong>Rely on your insurance agent.</strong> In a catastrophic situation, when resources are often strained, your agent can make sure you get the attention you need.</li>
</ul>
<h3>If Your Car is Damaged . . .</h3>
<ul>
<li>Take photos and/or video of all the damage. Be aware of broken glass or any other damage that could be harmful during your inspection.</li>
<li>Notify your insurance agent of your claim as quickly as possible.</li>
<li>If the vehicle is not operable, have a repair shop in mind that you want to use. Alternatively, you can ask your adjuster for an approved shop.</li>
<li>The shop can organize towing between the vehicle’s location and the repair shop of your choice.</li>
<li>Be aware of your deductible. If there is damage to both your home and <a href="https://www.zanderins.com/other-insurance/auto-insurance">automobile</a>, ask your adjuster if there will be one deductible only.</li>
<li><strong>Rely on your insurance agent.</strong> They are here to help you get the attention you need.</li>
<li>From the moment you lose use of your car, keep receipts for any items you purchased, including food, clothing, transportation expenses, or temporary lodging. Keep a record of these and provide to the adjuster.</li>
</ul>
<h3>If Your Business is Damaged . . .</h3>
<ul>
<li>Notify your insurance agent of your claim as quickly as possible.</li>
<li>Use caution when entering your impacted business premises due to risks surrounding structural, gas, and electrical exposures.</li>
<li>Take photos and/or video of all the damage.</li>
<li>Contact a restoration company to begin the cleanup process. Your insurance agent can provide assistance with reputable providers.</li>
<li>Notify your employees of revised work schedules.</li>
<li>Expect contact from your insurance adjuster within 48 hours.</li>
<li>Keep all receipts connected with clean up and repair to submit to the insurance adjuster.</li>
</ul>
<p>No matter what the damage is, we are here to help. Give us a call at <a href="tel:18003564282">1.800.356.4282</a> with questions or for help filing claim.</p>


Storm Damage: What Now?

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-1519" src="https://static.zanderins.com/wp-content/uploads/2020/02/10192557/life_insurance_checheckup.png" alt="life insurance check up" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/02/10192557/life_insurance_checheckup.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/02/10192557/life_insurance_checheckup-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/02/10192557/life_insurance_checheckup-768x284.png 768w, https://static.zanderins.com/wp-content/uploads/2020/02/10192557/life_insurance_checheckup-1024x379.png 1024w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p>Whether it’s the doctor, the dentist, or a routine car inspection, we know that to keep things running smoothly, we need to have a checkup every now and then. Unfortunately, many people don’t apply this mindset to their life insurance. The truth is – life changes, and so do our insurance needs. Is your policy keeping up?</p>
<h2><strong>Here’s the Problem <span style="color: #1077af;">(and the Solution)</span></strong></h2>
<p>1 in 5 Americans with life insurance don’t think they have enough coverage¹. If you’re one of them, it’s important that you take care of that immediately. Waiting can result in higher rates, ineligibility, and, worst-case scenario – your passing with inadequate protection for your family.</p>
<p>The reason many people don’t add coverage – even when they know they don’t have enough – is cost. Our advice? Don’t let this keep you from giving your family the protection they need. Our Guides are here to work with you (and your budget) to find the coverage you need at a great value.</p>
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<h2 class="FormHeaderText__heading align-self-center text-sm-center text-md-center text-lg-left text-center" style="line-height: 3rem; margin: 3rem 0px; text-align: left;"><span style="color: #1077af;">&#8220;Zander only offers plans that really make sense for your financial goals of getting out of debt and growing wealth.&#8221;<i> &#8211; Dave Ramsey</i></span></h2>
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<p>Dave Ramsey recommends having 10-12 times your income in coverage, though the exact amount will depend on your personal situation. If you’re not sure if the amount you have now should be higher due to changing circumstances, give us a call at <a href="tel:18003564282">1-800-356-4282</a> to discuss your options or <a href="/term-life-insurance/instant-quotes">run an updated quote yourself.</a></p>
<p><em>¹2018 Insurance Barometer Study, Life Happens and LIMRA</em></p>


Have you had your life insurance checkup?

<p><img decoding="async" loading="lazy" class="size-full wp-image-1376 alignnone" src="https://static.zanderins.com/wp-content/uploads/2020/01/27220707/idt-3.png" alt="identity theft" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/01/27220707/idt-3.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/01/27220707/idt-3-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/01/27220707/idt-3-768x284.png 768w, https://static.zanderins.com/wp-content/uploads/2020/01/27220707/idt-3-1024x379.png 1024w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<h2><strong>In 2018, identity thieves stole over $9.69 billion from taxpayers and the IRS through fraudulent tax returns.</strong></h2>
<p>Tax identity theft occurs when a fraudster uses your personal information to file a fraudulent tax return and claim your tax refund as their own. This crime frequently occurs very early in the year, as thieves want to make sure the IRS receives their phony return before your real one arrives. That’s why it’s wise to start thinking sooner, rather than later, about what you can do to protect your identity <em>(and </em>your refund) this tax season.</p>
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<h2 class="FormHeaderText__heading align-self-center text-sm-center text-md-center text-lg-left text-center" style="line-height: 3rem; margin: 3rem 0px; text-align: left;">&#8220;<strong>Thieves can steal more than just your money. <em>That&#8217;s</em> why I recommend Zander Identity Theft Protection.</strong>&#8220;<i> &#8211; Dave Ramsey</i></h2>
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<div class="col-lg-2 my-auto text-sm-center text-md-center text-lg-left text-center"><img decoding="async" class="center-block" style="margin: 2rem;" src="https://static.zanderins.com/wp-content/uploads/2019/12/18151437/Dave-Ramsey-circle.png" alt="Dave Ramsey Insurance" width="200" /></div>
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<h3><strong>File as early as possible.</strong></h3>
<p>The earlier you file, the lower your risk of an identity thief filing before you and claiming your refund. You may not always know if your personal information has been compromised. It is wise take this precautionary step even if you haven’t seen any red flags.</p>
<h3><strong>Review your credit report.</strong></h3>
<p>You can obtain a free credit report from each of the three major bureaus once a year. That means you can get a report every 4 months if you time it right. This is a good idea to do regularly and will help you ensure that any fraudulent activity is caught quickly.</p>
<h3><strong>Practice good password habits.</strong></h3>
<p>Having different passwords for each of your accounts, changing your passwords regularly, and avoiding using personal information such as names and birthdates are all ways you can make your passwords more secure.</p>
<p>While taking these steps will lower your risk of becoming a victim, there is no foolproof way to <a href="https://www.zanderins.com/identity-theft-protection">prevent identity theft</a>, tax or otherwise. The best way to protect yourself is to make sure you’ll be supported (<em>and reimbursed</em>) if it happens to you. Zander Identity Theft Solutions is the smarter, more affordable way to protect yourself. With $1 million in stolen funds and expense reimbursement, proactive monitoring and alerts, and free coverage for children on our family plan, we are truly here to support and protect your family.</p>


Who looks forward to tax season? Identity thieves.

<p><img decoding="async" loading="lazy" class="alignleft size-full wp-image-2069" src="https://static.zanderins.com/wp-content/uploads/2020/01/13143901/wholevslife.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/01/13143901/wholevslife.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/01/13143901/wholevslife-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/01/13143901/wholevslife-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/01/13143901/wholevslife-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" />If you’re reading this, you’re probably considering purchasing a life insurance policy. If so – congratulations! It’s one of the best ways to protect your family and will bring you peace of mind for years to come. Before you commit, though, you need to determine what type of policy is best for you: <a href="https://www.termvscashvalue.com/" target="_blank" rel="noopener noreferrer"><strong>whole or term life</strong></a>?</p>
<h2><strong>Whole Life Insurance</strong></h2>
<p>The primary benefit of whole life insurance: your agent will receive a <em>big commission. </em>Good for them – but not so much for you. Whole life insurance is <strong>exponentially more expensive</strong> than term! The only real “benefit” to <em>you </em>is that a whole life insurance policy is permanent. That may sound enticing but, if you’re following the financial principles of Dave Ramsey (like we do), you shouldn’t <em>need</em> life insurance for your whole life! Think about it . . . in 20-30 years, will your family still be dependent on your income? Will you still have a mortgage payment?  Or will you have ample savings and an empty nest? If you’re not planning to be in debt for your whole life, then you don’t need whole life insurance, either.</p>
<p><strong>Overall, whole life insurance is a high-cost product with very little return on your investment.</strong></p>
<p>One of the biggest downfalls of whole life insurance is that it includes a “savings” aspect, which requires you to pay into the plan through exorbitant premiums. This is how cash value is built. You can borrow from the cash value, sure, but to do so would also require you to pay a penalty to withdraw that money – <em>your</em> money. When you die, however, your beneficiary receives only the face value of the plan. So what happens to the cash value you spent so much to build? The insurance company keeps it!</p>
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<h2 class="FormHeaderText__heading align-self-center text-sm-center text-md-center text-lg-left text-center" style="line-height: 3rem; margin: 3rem 0px; text-align: left;">&#8220;<strong>Whole life insurance is one of the worst financial products in the world. It’s the payday lender of the middle class.</strong>&#8220;<i> &#8211; Dave Ramsey</i></h2>
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<h2><strong>Term Life Insurance</strong></h2>
<p>If you can’t tell already – term life insurance is the better deal. We feel so strongly about this, in fact, that it’s the only type of coverage that we quote!</p>
<p>One of the benefits of a term life insurance policy is that you can customize your term length and coverage amount, allowing you to plan around your personal financial journey.  Term life insurance is also <em>way </em>cheaper, saving you a boatload of money over cash-value plans and letting you put those savings toward more profitable and wise investments.<br />
</p>
<table id="tablePreview" class="table"></p>
<thead>
<tr>
<th scope="col"></th>
<th scope="col">Whole life policy</th>
<th scope="col">20-year term life policy</th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Jack’s death benefit amount</strong>*<br />
(we recommend having life insurance coverage equal to 10 times your income)</td>
<td>$125,000</td>
<td>$400,000</td>
</tr>
<tr>
<td><strong>What’s Jack’s monthly premium?</strong></td>
<td>$100</td>
<td>$18 (and Jack invests $82 a month into a Roth IRA or mutual fund)</td>
</tr>
<tr>
<td><strong>Average made in investments after 20 years </strong>(by age 50)</td>
<td>$25,619</td>
<td>$61,994 (assuming a 10% return)</td>
</tr>
<tr>
<td><strong>Average made in investments</strong> (by age 70)</td>
<td>$66,268</td>
<td>$479,062</td>
</tr>
</tbody>
<p></table>
<p>You’re also far less likely to end your policy early (and put your family at risk in the process) with a term life insurance policy because it’s simple and reliable. Your policy is pure protection – not an account you can dip into. This is crucial! Term life insurance is just that: insurance. Your policy is to make sure your family is taken care of when you die and should <em>never </em>be used as a savings vehicle.</p>
<h2><strong>Your Next Step</strong></h2>
<p>Providing for your family’s financial future can come with a lot of pressure. Luckily, that’s why we’re here! Zander is an insurance <em>broker, </em>not an insurance <em>company. </em>That means we have no incentive to load you up with add-ons that are high in price and low on value. We work for <em>you. </em>With Zander, you pick your path. If you’re ready to get your free, instant term life insurance quote, click <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">here</a>. Prefer to talk to one of our Guides? Give us a call at 1.800.356.4282, and we will walk you through the application process and answer any questions you may have.</p>

Whole vs. Term Life – What&#8217;s the Difference?

<p><img decoding="async" loading="lazy" class="size-full wp-image-2073 aligncenter" src="https://static.zanderins.com/wp-content/uploads/2020/01/13155425/howmuchhomeownersinsurance-min.png" alt="home owners insurance" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/01/13155425/howmuchhomeownersinsurance-min.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/01/13155425/howmuchhomeownersinsurance-min-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/01/13155425/howmuchhomeownersinsurance-min-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/01/13155425/howmuchhomeownersinsurance-min-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p>&nbsp;</p>
<p>Three out of every five Americans fail to purchase enough homeowners insurance<a href="https://www.consumerreports.org/homeowners-insurance/what-you-dont-know-about-homeowners-insurance-could-cost-you/" target="_blank" rel="noopener noreferrer">1</a>, and often because they don’t know how much they should really have. Figuring that out can be difficult, so we have broken it down into the following categories: extended dwelling coverage; personal property; liability; and additional living expenses.</p>
<h3><strong>Dwelling Coverage</strong></h3>
<p>This is the “rebuild your home” part of your <a href="https://www.zanderins.com/other-insurance/home-insurance">homeowners insurance</a> policy. Give us a call for help determining local construction costs for the square footage on your home (deck, garage, and any other structure connected to your home should be included in this estimate). It’s important to run this estimate again every couple of years, particularly if there have been changes which could affect your replacement costs, such as:</p>
<ul>
<li>New building codes</li>
<li>Remodeling</li>
<li>Additional rooms/structures</li>
<li>Inflation</li>
<li>Old/unique features</li>
</ul>
<h3><strong>Personal Property Coverage</strong></h3>
<p>Take inventory of everything you own – this will include everything from furniture to appliances, electronics, clothing, and even food. Imagine that a natural disaster hits and wipes out your home. The cost to replace <em>everything </em>in it is the amount of personal property coverage you need. If you own particularly high-value items, ask your Zander Insurance agent if you need a separate policy for those items.</p>
<h3><strong>Liability</strong></h3>
<p>If someone gets hurt on your property, you need liability insurance to avoid paying for medical bills and lawsuits that may come your way. Dave Ramsey recommends between $300-500,000 in liability coverage. Keep in mind that many of these injuries are a result of interactions with family pets. Even if you <em>know </em>Fido would never hurt a fly, you should try to get coverage that applies to those incidents as well. Certain breeds of dogs (including Pit Bulls, Doberman Pinschers, Rottweilers, German Shepherds, Siberian Huskies, and a few others) are considered “high-risk” by some carriers. If you think your pet may fall into this category, mention it to your agent so we can help find a carrier that covers any possible mishaps.</p>
<h3><strong>Additional Living Expenses</strong></h3>
<p>With damage to the home often comes additional expenses (staying in hotels and eating out while your home is being rebuild, for instance). Most carriers will calculate your need as 20-30% of your dwelling coverage. If you anticipate this amount you would need being higher, ask your agent how to increase this coverage.</p>


How Much Homeowners Insurance Do You Need?

<p><span data-contrast="auto"><img decoding="async" loading="lazy" class="size-full wp-image-1286 alignleft" src="https://static.zanderins.com/wp-content/uploads/2020/01/13200417/TermLife_BabySteps.png" alt="Finance" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/01/13200417/TermLife_BabySteps.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/01/13200417/TermLife_BabySteps-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/01/13200417/TermLife_BabySteps-768x284.png 768w, https://static.zanderins.com/wp-content/uploads/2020/01/13200417/TermLife_BabySteps-1024x379.png 1024w" sizes="(max-width: 1110px) 100vw, 1110px" /></span></p>
<p>&nbsp;</p>
<p><span data-contrast="auto">If you are following Dave Ramsey&#8217;s 7 Baby Steps to change your money habits, you&#8217;re trying to save and pay off debt as quickly as possible. So – where does term life insurance fall into that plan?</span><span data-ccp-props="{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}"> </span><b><span data-contrast="auto">Dave’s answer: immediately!</span></b></p>
<h3>Why It&#8217;s Not Part of the Baby Steps</h3>
<p><span data-contrast="auto">Purchasing <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">term life insurance</a> isn</span><span data-contrast="auto">’</span><span data-contrast="auto">t part of the Baby Steps because y</span><span data-contrast="auto">our family is never more at risk than when you are in debt. How would they manage financially if something happened to you today?</span><span data-ccp-props="{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}"> Whether you are just starting your emergency fund, paying off your debt snowball, or somewhere further along, you need to take care of this right away.</span></p>
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<h2 class="FormHeaderText__heading align-self-center text-sm-center text-md-center text-lg-left text-center" style="line-height: 3rem; margin: 3rem 0px; text-align: left;">&#8220;It&#8217;s not a baby step. It&#8217;s an <em>immediate</em> need.&#8221;<i> &#8211; Dave Ramsey</i></h2>
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<h3>How it Impacts Your Budget</h3>
<p><span data-contrast="auto">One of the best things about choosing term life insurance is that it&#8217;s the most affordable type of coverage available because you&#8217;re only paying for the length of time that you need it. Look at it this way – depending on your age, health status, and a few other factors, a $250,000, 15-year term policy could cost you less than $10/month. That comes out to about 33 cents a day — much less than your daily coffee run and a pretty low price for peace of mind.</span></p>
<h3>Pick Your Path</h3>
<p>With Zander, you choose how to move forward. If you have questions about <a href="https://www.termvscashvalue.com/" target="_blank" rel="noopener noreferrer">term length</a>, coverage amounts, or anything else, give us a call to get started. Our Guides are here to walk you through every step of the process. Short on time or just prefer to get started on your own? Get a free, instant quote at the link below. We work our process around your schedule to give you an easy, personalized experience.</p>


Where is Term Life Insurance in Dave’s Baby Steps?

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-1218" src="https://static.zanderins.com/wp-content/uploads/2019/12/11174129/switchautoinsurance.png" alt="zander auto insurance" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2019/12/11174129/switchautoinsurance.png 1110w, https://static.zanderins.com/wp-content/uploads/2019/12/11174129/switchautoinsurance-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2019/12/11174129/switchautoinsurance-768x284.png 768w, https://static.zanderins.com/wp-content/uploads/2019/12/11174129/switchautoinsurance-1024x379.png 1024w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p>Do you know if you’re getting the best deal on your <a href="https://www.zanderins.com/other-insurance/auto-insurance">auto insurance</a>? It pays (figuratively <em>and </em>literally) to find out. People save an average of $600 a year when they buy through Zander Insurance! If the fear of switching carriers is keeping you from looking into other options, check out these five simple steps to a smooth transition:</p>
<h3>1. Reach out to a Guide</h3>
<p>When you work with Zander, we will let you know what information you’ll need to make the switch, and we’ll walk you through every step of the process. That’s why this is the best place to start – if you have questions as you work through the next few steps, not to worry! Your Zander Guide will be there to (you guessed it) guide you.</p>
<h3>2. Gather necessary information</h3>
<p>Your Zander Guide will tell you what you will need to provide, but here are a few things to begin gathering if you want to get a head start:</p>
<ul>
<li>Driver’s license numbers for all drivers on the policy</li>
<li>Vehicle Information Numbers (VINs) for all cars you’d like covered (don’t worry if you don’t have this – your Zander Guide can likely pull this for you)</li>
<li>Names and dates of birth for everyone on the policy</li>
</ul>
<h3>3. Examine your coverage options</h3>
<p>You shouldn’t just get the minimum coverage required by your state. Your Zander Guide can help you determine how much you need in each of the following categories:</p>
<ul>
<li>Liability coverage: covers damage you cause to another person’s car, passengers, or driver – aim for at least $500,000 in coverage</li>
<li>Collision coverage: covers damage to your own car if you’re in a wreck, regardless of who caused the accident</li>
<li>Comprehensive coverage: covers non-collision damage, such as vandalism, hail, or animals – oh <em>deer!</em></li>
</ul>
<h3>4. Cancel your former policy</h3>
<p>Make sure to do this <em>after </em>your new policy takes effect so there is no lapse in coverage. On the other end of the spectrum, make sure you do it immediately after your new policy takes effect – unless, of course, you want to pay for two policies (we’re guessing that’s a hard no). If you prepaid for your former policy or changed policies in the middle of the month, your former insurance carrier owes you a refund for any unearned premium! When you call them to cancel, be sure to ask about that.</p>
<h3>5. Put your new insurance ID in your glovebox</h3>
<p>Please don’t skip this one! If you get pulled over without proof of insurance, you could face a hefty fine. Most companies will send you a temporary card, but you can usually print one out at home if you’d like one sooner. Download the Zander app for <a href="https://apps.apple.com/us/app/zander-insurance-app/id1176258759" target="_blank" rel="noopener noreferrer">iPhone</a> or <a href="https://play.google.com/store/apps/details?id=com.appliedsystems.mobileinsured.zande01&amp;hl=en_US" target="_blank" rel="noopener noreferrer">Android</a> to access your ID anytime, anywhere.</p>


Auto Insurance: Making the Switch

<p><img decoding="async" loading="lazy" class="alignleft wp-image-1152 size-full" style="margin: 1rem 0 2rem 0;" src="https://static.zanderins.com/wp-content/uploads/2019/11/22162401/disabilityforclosure-1.png" alt="crutches" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2019/11/22162401/disabilityforclosure-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2019/11/22162401/disabilityforclosure-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2019/11/22162401/disabilityforclosure-1-768x284.png 768w, https://static.zanderins.com/wp-content/uploads/2019/11/22162401/disabilityforclosure-1-1024x379.png 1024w" sizes="(max-width: 1110px) 100vw, 1110px" />Half of American families would suffer financially in less than a month if the primary wage-earner became too sick to work. The average time someone is out of work due to long-term disability is 2.5 years. Could your family get by without your income for that long? For most of us, the answer is “no.”</p>
<p>For many families, that means they would not be able to pay the mortgage, transportation costs, utilities, or even put food on the table. That’s why disability is the leading cause of foreclosure and bankruptcy – and it happens to more people than you may think. Studies show that 1 in 4 people will have a disabling event before retirement.</p>
<h3>The Solution</h3>
<p><a href="https://www.zanderins.com/disability-insurance/instant-quotes">Disability insurance</a> is an affordable way to prevent your family from facing financial instability if you become ill or injured and can’t work. A good policy will provide income that will help you pay your bills and maintain your way of life. Dave Ramsey even says it’s “just as important as life insurance!”</p>
<h3>Why Zander?</h3>
<p>Zander Insurance has been nationally endorsed by Dave Ramsey for over 20 years because we offer plans that protect your family and your wallet. He says “Zander provides the broadest eligibility for all types of professions and avoids add-on coverages that just waste your money.” Our Zander Guides will help you customize a policy to fit your needs. That’s the Zander Way.</p>


Avoid the #1 Cause of Foreclosure and Bankruptcy

<p><img decoding="async" loading="lazy" class="size-full wp-image-1095 alignleft" src="https://static.zanderins.com/wp-content/uploads/2019/11/12192613/Copy-of-FraudAwarenessWeekBlog.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2019/11/12192613/Copy-of-FraudAwarenessWeekBlog.png 1110w, https://static.zanderins.com/wp-content/uploads/2019/11/12192613/Copy-of-FraudAwarenessWeekBlog-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2019/11/12192613/Copy-of-FraudAwarenessWeekBlog-768x284.png 768w, https://static.zanderins.com/wp-content/uploads/2019/11/12192613/Copy-of-FraudAwarenessWeekBlog-1024x379.png 1024w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p>The holidays are just around the corner, and inboxes across the world are being inundated with news of Black Friday sales. This time of year is an identity thief&#8217;s dream! As the number of purchases you make increases, the chance that you&#8217;ll notice an unusual charge on your bank statement decreases.</p>
<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-1107" src="https://static.zanderins.com/wp-content/uploads/2019/11/12193832/Copy-of-fraudweekawarenessstats-1.png" alt="" width="1110" height="311" srcset="https://static.zanderins.com/wp-content/uploads/2019/11/12193832/Copy-of-fraudweekawarenessstats-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2019/11/12193832/Copy-of-fraudweekawarenessstats-1-300x84.png 300w, https://static.zanderins.com/wp-content/uploads/2019/11/12193832/Copy-of-fraudweekawarenessstats-1-768x215.png 768w, https://static.zanderins.com/wp-content/uploads/2019/11/12193832/Copy-of-fraudweekawarenessstats-1-1024x287.png 1024w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p>So before you hit the mall (or the Internet, for those of us who prefer Cyber Monday shopping in our pajamas), be sure you know what to look out for. Here are some signs your identity may have been compromised:</p>
<ul>
<li>You receive a credit card you didn&#8217;t apply for in the mail</li>
<li>You see charges, withdrawals, or even deposits you didn&#8217;t make</li>
<li>You stop receiving bank/credit card statements</li>
<li>You receive a statement for a credit card you didn&#8217;t open</li>
</ul>
<p><strong>Unfortunately, you won’t always see these signs – and when you do, it is often too late. </strong>The best way to ensure your identity is protected is to purchase a comprehensive <a href="https://www.zanderins.com/identity-theft-protection">ID theft protection plan</a>. Zander ID Theft Solutions looks for these signs <em>for you. </em>If you do become a victim, Zander will restore your identity and reimburse you for up to $1 million in stolen funds and expenses. This holiday season, protect yourself with the smarter, more affordable solution to identity theft.</p>


Signs Your Identity May Have Been Stolen

<p><img decoding="async" loading="lazy" class="aligncenter size-full wp-image-965" src="https://static.zanderins.com/wp-content/uploads/2019/10/09161838/A-New-Risk-for.png" alt="" width="740" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2019/10/09161838/A-New-Risk-for.png 740w, https://static.zanderins.com/wp-content/uploads/2019/10/09161838/A-New-Risk-for-300x167.png 300w" sizes="(max-width: 740px) 100vw, 740px" /></p>
<p>When loved ones tell you to “stay safe” while traveling, what do you think of? Making copies of important documents, packing extra medication, and keeping your passport close by may come to mind. These are all important – but in today’s technology-driven world, you may be at risk for other dangers too. Here’s what you can do to protect yourself from <a href="https://www.zanderins.com/identity-theft-protection">identity theft</a> risk when traveling:</p>
<h3><strong>Beware of Public Wi-Fi</strong></h3>
<p>The first step before you go should be to update the security software on all devices you use to connect to the Internet. This may include your phone, tablet, gaming device, and – of course – your computer. An easy way to make sure your software is up to date is to enable automatic updates. It is also a good idea to make sure that you properly secure any wireless network you use to connect on these devices. That means no auto-connecting to available wireless networks or Bluetooth devices! We strongly recommend disabling this feature in your device settings.</p>
<h3><strong>Lock and Guard Your Devices</strong></h3>
<p>Even if you’re only stepping away from your phone or computer for a few minutes, lock it. It takes only seconds for someone to steal your information. This rule applies to USBs and external storage devices as well, so keep them locked away safely in your hotel room or bag when traveling. Enabling multi-factor authentication provides an additional layer of security, which is important for certain apps. If you use your phone for banking, <a href="https://www.zanderins.com/blog/social-media" target="_blank" rel="noopener noreferrer">social media</a>, or making purchases, it is especially important to enable to protect that information.</p>
<h3><strong>Install and Update</strong></h3>
<p>If you don’t already have anti-virus protection, it’s time to get it. Most programs offer “set it and forget it” features that will automatically update your software so you don’t have to! These updates are important in protecting your security, so be sure to enable that feature if you have it. Speaking of updating – when is the last time you changed your passwords and pin numbers? If you had to think for more than ten seconds . . . it’s probably time.</p>
<p>These tips were made with traveling in mind – but that’s not the only time they can protect you! Everything on this list is important to do on a regular basis. If you’re afraid you’ll forget, it may be wise to set a reminder on your phone (which we <em>know </em>you’ll have a password on by the time you finish reading this).</p>
<p>When it comes down to it, you can make yourself safer – and we recommend that you do – but there is no way to completely eliminate the risk of identity theft. That’s where we can help. Our team of restoration specialists are available 24/7 to answer any questions you may have. All Zander Identity Theft plans are also backed by $1 million in stolen funds and expense reimbursement, which means you can rest assured that your vacation fund won’t run dry due to cybercrime. Safe travels!</p>


A New Risk for Travelers

<p><img decoding="async" loading="lazy" class="aligncenter size-full wp-image-962" src="https://static.zanderins.com/wp-content/uploads/2019/10/09153934/Personal-Info.png" alt="" width="740" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2019/10/09153934/Personal-Info.png 740w, https://static.zanderins.com/wp-content/uploads/2019/10/09153934/Personal-Info-300x167.png 300w" sizes="(max-width: 740px) 100vw, 740px" /></p>
<p>As our reliance on technology increases, so does our risk of exposing personal and financial information. Scammers are no longer using the tactics we have grown to know and avoid. Their attempts have become more sophisticated and harder to identify. Here are some of the newest ways that these cybercriminals are targeting victims:</p>
<h3><strong>You Surf, they Phish</strong></h3>
<p>Any time you surf the web, there is a chance you will come across an attempted phishing attack. While our play on words may be funny (<em>or not? Tough crowd</em>), falling victim to one of these attacks certainly is not. Here are some examples of common phishing tactics:</p>
<ul>
<li>A text or email referencing an “unauthorized transaction on your account”</li>
<li>Requests for you to update or verify personal information</li>
<li>Correspondence from an email that looks <em>similar</em> to a contact’s email address, but is misspelled or slightly different</li>
</ul>
<p>When it comes to suspicious links, it is best to play it safe. Don’t click unless you are familiar with the sender and always hover over hyperlinks to make sure they’re leading to where they say they are. If you are worried you may miss important work correspondence, alert your company’s IT team to the issue. They can help verify whether the link in question poses a risk to you or the company.</p>
<h3><strong>Rise of the Robots</strong></h3>
<p>Not all bots are created equal. Some are easy to spot, while others have mastered the art of mimicking human behavior. Some are as innocent as a business facilitating interactions with customers, and others are as malicious as spreading propaganda, and even terrorism.</p>
<p>In many cases, it’s easy to tell when a comment or post came from a bot, rather than a real person. As the popularity of social media bots has increased, however, so have the efforts to make them seem real. Signs of a possible bot include comments that use multiple hashtags and emojis, content that seems out of place or irrelevant, and higher than average activity. If you suspect a profile is really a bot posing as a real person, avoid interacting. In addition to spreading ideas, bots can also disseminate malicious links (those phishermen at it again!) and take over social media accounts.</p>
<h3><strong>Identity Theft</strong></h3>
<p>If you have been keeping up with the news, you’ve probably heard that identity theft is on the rise. In fact, it continues to be the fastest growing crime in America. This trend will only continue as phishing and bots become more prevalent. The good news is – Zander has your back. Our members rest easy knowing that we continuously monitor their social security numbers and other personally identifiable information so that they don’t have to. Our goal is to keep you from having your identity stolen, and to restore it if you do become a victim. In the words of Dave Ramsey, when it comes to <a href="https://www.zanderins.com/identity-theft-protection">identity theft</a>, “It’s not a matter of if. It’s a matter of <em>when</em>.”</p>


Phishing, Robots, and Theft, Oh My!

<p><img decoding="async" loading="lazy" class="aligncenter wp-image-955 size-full" src="https://static.zanderins.com/wp-content/uploads/2019/10/07200159/Add-a-heading-2.png" alt="" width="740" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2019/10/07200159/Add-a-heading-2.png 740w, https://static.zanderins.com/wp-content/uploads/2019/10/07200159/Add-a-heading-2-300x167.png 300w" sizes="(max-width: 740px) 100vw, 740px" /></p>
<p>By now, we all know to keep some things off social media. What many people don’t know, however, is how much personal information they may be sharing without even realizing it. The average American has seven social media accounts – that means there are seven sites that may be accessing information and sharing it with users from across the world.</p>
<h3><strong>Review Your Settings</strong></h3>
<p>Regularly review your privacy settings as well to ensure that you&#8217;re comfortable with the amount you&#8217;re sharing. An important one to check to make sure you aren’t sharing information that could put you at risk is geotagging. This exposes where you are (and where you aren’t) and can compromise not only your cybersecurity, but your physical security.</p>
<h3><strong>Connect with Caution</strong></h3>
<p>Use caution when choosing who you accept as a friend or follower on social media. Even if you don&#8217;t think your posts put you at risk, it&#8217;s safer to only connect with people you trust. If you do accept someone that begins sending messages or displaying behaviors that make you uncomfortable, let them know. If these interactions begin to look like harassment or the beginnings of a cybercrime, report the incident.</p>
<h3><strong>Mind the Details</strong></h3>
<p>Something as simple as tagging the location at a trendy coffee shop can put you at risk. While it may seem like a small detail, someone who intends to harm you can use this against you by learning your habits and showing up at places you frequent. As we mentioned earlier, make sure you disable location settings, which can populate publicly on your posts if you are not careful. Your social media profiles give insight to who you care about, where you go, and what you like – which are often components of passwords as well. Make sure you keep in mind what you have exposed about yourself before using these types of personal details, which may be guessed by hackers, in your passwords.</p>
<p>If you are questioning posting something or adding someone on social media – it is probably safer to say no. Use your instincts when it comes to what information you share and with whom you share it. Many of these tips are common sense, but only if your security is at the forefront of your mind. If you do happen to make a mistake, don’t worry. <a href="https://www.zanderins.com/identity-theft-protection">Zander Identity Theft Solutions</a> offers low-cost options to protect your identity and restore it if you do experience cybercrime. Click the link below to learn more about how you can protect yourself for just $6.75 a month.</p>


How Much Are You Sharing on Social Media?

<h2><img decoding="async" loading="lazy" class="aligncenter wp-image-942 size-full" src="https://static.zanderins.com/wp-content/uploads/2019/09/18183306/Blog-Headers-9.png" alt="Taylor Collins with her grandfather" width="740" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2019/09/18183306/Blog-Headers-9.png 740w, https://static.zanderins.com/wp-content/uploads/2019/09/18183306/Blog-Headers-9-300x167.png 300w" sizes="(max-width: 740px) 100vw, 740px" /></h2>
<p>Taylor was 11 years old when she lost both of her parents. On top of the emotional trauma she was faced with, the financial burden of losing both a mother and father at such a young age soon began to weigh on Taylor. “Their deaths hurt me worse than anything ever could,” she said, “I gave up any dreams I had for my future.” Neither parent had <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">life insurance</a>.</p>
<h3><strong>“It’s really important to get life insurance.”</strong></h3>
<p>Grieving the loss of a loved one is hard enough without the added feelings of hopelessness and anxiety that come with having no way to pay for things like college, which has gone up in cost by 213% over the past 30 years<sup><a href="https://www.cnbc.com/2017/11/29/how-much-college-tuition-has-increased-from-1988-to-2018.html" target="_blank" rel="noopener noreferrer">1</a></sup>. Life insurance helps provide financial security and peace of mind to your family if something happens to you. “It’s really important to get life insurance,” Taylor said. “It can have a big impact on your family’s life.” But far too often, individuals do not purchase a policy before tragedy strikes. That is why, for five consecutive years, we have offered the Zander Life Lessons Scholarship to college students and college-bound seniors whose parent or guardian passed away with little or no life insurance. Applicants submit their scholarship application via an essay or video, and Zander team members review each submission and cast their votes.  This year, Taylor’s submission received the most votes.</p>
<h3><strong>“I wasn’t given the experiences I’ve been through not to do anything with them.”</strong></h3>
<p>Last month, Taylor started her freshman year at Maryville College, where she is studying psychology. “I wasn’t given the experiences I’ve been through not to do anything with them,” Taylor said. “I want to use what I’ve gone through to help heal others.” Taylor was inspired by her own experiences to help provide a better life for others who are suffering. She hopes to become a therapist to help people suffering from mental illness, substance abuse, and trauma. “This scholarship will help support these dreams,” she said.</p>
<p>The Life Happens scholarship program awarded over $200,000 in scholarship money last year alone. “Our scholarship recipients and their stories remind us of the critical role life insurance plays in providing financial security to help families’ future dreams become a reality,” said Life Happens CEO Marvin H. Feldman.</p>
<p>This Life Insurance Awareness Month, we would like to congratulate Taylor on her resilience in following her dreams – we wish you success, and are humbled to play any role we can in helping you achieve it!  We also want to do our part to spread the word about how purchasing a life insurance policy could save your family financial hardship. Please help us spread the word about life insurance by sharing this blog with family and friends, or protect your own family by getting a free quote at the link below.</p>


Zander Life Lessons: 2019 Scholarship Winner

<p><img decoding="async" loading="lazy" class="aligncenter size-full wp-image-930" src="https://static.zanderins.com/wp-content/uploads/2019/08/29194036/Who-Needs-TL-Blog-Header.png" alt="Man in suit and tie pointing index finger asks who needs life insurance" width="740" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2019/08/29194036/Who-Needs-TL-Blog-Header.png 740w, https://static.zanderins.com/wp-content/uploads/2019/08/29194036/Who-Needs-TL-Blog-Header-300x167.png 300w" sizes="(max-width: 740px) 100vw, 740px" /></p>
<p>Let’s talk life insurance. It’s not a topic that often comes up around the dinner table, but it’s important to think about. <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">Term life insurance</a> provides the financial resources your loved ones need to carry on if something happens to you.</p>
<p>Ever wonder if term life insurance is something you really need? Well, you’re in luck &#8211; we’ve compiled a list of people who need it, like, yesterday. . .</p>
<h4>Newlyweds</h4>
<p>The Kitchen Aid mixer, waffle maker, and stemless wine glasses you registered for are great. But do you know what’s even better? Peace of mind. Term life insurance will give your new husband or wife the gift of financial security if they lose the best gift of all (you)!</p>
<p>Think about how your spouse would pay the mortgage or cover funeral expenses if something were to happen to you. In that terrible situation, they shouldn’t have to worry about money on top of heartache.</p>
<p>Term life insurance is the most important gift you can give your new husband or wife. It’s a way for you both to know that your future is secure, even if the worst happens.</p>
<h4>Retirees</h4>
<p>At this point, you’ve earned the right to relax. But if you passed away, would your nest egg be big enough to cover the cost of funeral expenses and any outstanding debts? Do you want to leave behind something more for your family?</p>
<p>This is the time of your life you’ve been working toward, so it’s important to have the right term life insurance policy. We can help you determine exactly how much you need so you can enjoy true peace during this season.</p>
<h4>Parents</h4>
<p>If you have kids, it’s vital that you have the right term life insurance policy in place. You’ll want life insurance on both mom and dad, <a href="https://www.zanderins.com/blog/do-stay-at-home-parents-need-life-insurance" target="_blank" rel="noopener noreferrer">even if one of you stays at home</a>.</p>
<p>That’s because your responsibilities as a parent — including cooking, cleaning, carpooling and caring for children — have costs associated with them. The benefit you bring and the services you provide to the household are invaluable, and your family would take a financial hit if you were to pass away.</p>
<h4>Anyone with Student Loans</h4>
<p>If you’re one of the 45 million people in America who have student loan debt, you should purchase a term life insurance policy. And if you had a parent cosign your loan, or if they took out a Parent PLUS Federal loan, getting life insurance will protect your family from being saddled with your debt if you pass away.</p>
<p>If you’re <a href="https://www.zanderins.com/blog/5-reasons-millennials-need-life-insurance" target="_blank" rel="noopener noreferrer">single</a> and your only financial responsibility is student loan debt, you should be covered with a policy equal to them amount of your debt plus funeral expenses. That way, your parents wouldn’t have to bear a financial burden on top of an emotional one.</p>
<h4>. . . And Everyone Else</h4>
<p>You don’t have a say in when your hourglass runs out of sand. What you <em>do</em> have a say in, however, is how much you leave behind for your loved ones.</p>
<p>Dave Ramsey recommends getting a policy of 10-12 times your annual income. This money is meant to replace your income, pay off any outstanding debts, cover funeral costs, and maybe even help fund college tuition or retirement for whomever you choose as your beneficiary.</p>
<p>If you fall into one of these groups (and you kind of have to, considering one of them is “everyone else”), get an instant quote.  It’s easy, free, and you may just be surprised at how affordable peace of mind can really be!</p>


Life Insurance . . . Who Needs It?

<p style="text-align: left;">The purpose of life insurance is to support your family if something were to happen to you. But is your current policy <em>really</em> enough to take care of them? Hear what Dave has to say below.</p>
<p><iframe loading="lazy" title="Why You Need 10x Of Your Income In Life Insurance" width="500" height="281" src="https://www.youtube.com/embed/xob--CGoUVQ?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe></p>
<p>Whether you are an income-earner or a stay-at-home parent, <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">term life insurance</a> is an essential part of planning for your financial future. Our Guides shop rates from top-rated companies to make sure you get the most bang for your buck.</p>
<p>Whether you are a first-time buyer or looking to increase your coverage, we are here to help you every step of the way.</p>


How Much Do You REALLY Need?

<p><img decoding="async" loading="lazy" class="aligncenter size-full wp-image-920" src="https://static.zanderins.com/wp-content/uploads/2019/08/28183753/When-to-Buy-LI-Blog-Header.png" alt="Woman in dress sitting down behind computer looking out window thinks about when the best time to buy life insurance is." width="740" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2019/08/28183753/When-to-Buy-LI-Blog-Header.png 740w, https://static.zanderins.com/wp-content/uploads/2019/08/28183753/When-to-Buy-LI-Blog-Header-300x167.png 300w" sizes="(max-width: 740px) 100vw, 740px" /></p>
<p>Buying term life insurance is like getting your oil changed &#8211; you <em>know </em>you need to do it eventually, but it never seems urgent. That&#8217;s why we talk so much about it here at Zander! We want to be that little blinking light that reminds you to get it done. Between managing your job, family, and other responsibilities, term life insurance may have fallen to the bottom of your to-do list. Don&#8217;t get us wrong – you <em>do</em> probably need to change your air filters and give the dog a bath, but we would argue that <strong>getting a good term life insurance policy should be first on that list.</strong> Yes, first! Here’s why:</p>
<h4><strong>Protect Your Loved Ones</strong></h4>
<p>The thing about <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">life insurance</a> is that you literally<em> can&#8217;t </em>wait until you will need it to get it. It&#8217;s not a fun topic, but that is why it is so important. If something happens to you, your family will be devastated &#8211; there is no replacing you. The good news is, by purchasing a life insurance policy, you can at least alleviate the financial burden of a lost income (this counts for you too, stay-at-home moms; what you do has value!)<sup><a href="https://www.zanderins.com/blog/do-stay-at-home-parents-need-life-insurance" target="_blank" rel="noopener noreferrer">1</a></sup> and funeral and burial expenses. If you don’t do this now, you may not get the chance, which is a risk you don’t want to take with something this important.</p>
<h4><strong>Save Money (A Lot of It)</strong></h4>
<p>We hate to say it, but you’re not getting any younger (no matter how good you look). The younger and healthier you are when you purchase a policy, the cheaper it is.<sup><a href="https://thecollegeinvestor.com/2971/pays-buy-life-insurance-young/" target="_blank" rel="noopener noreferrer">2</a></sup> You can actually buy a 30-year policy, for instance, to keep that low price as long as possible! Even if you’re not ready to buy as much coverage as you’d like – Dave Ramsey recommends 10-12x your income<sup><a href="https://www.daveramsey.com/blog/how-much-life-insurance-do-i-need" target="_blank" rel="noopener noreferrer">3</a></sup> – some is better than nothing, and you can always add more coverage later.</p>
<h4><strong>We’re Here to Help</strong></h4>
<p>Here at Zander, we are truly passionate about helping families find great protection at low prices. We want to take the confusion, stress, and hours of research out of this process for you. Our Zander Guides not only shop rates from top-rated companies to get you the best price – we walk you through the process, working as your personal advocate from the moment you contact us, and will be here for you even after your policy is in effect.</p>
<p>Let us take this one thing off your list today – you deserve it.</p>


Life Insurance: When is the Best Time to Buy?

<p><img decoding="async" loading="lazy" class="aligncenter size-full wp-image-915" src="https://static.zanderins.com/wp-content/uploads/2019/08/27154318/Why-You-Need-TL-Blog-Header.png" alt="Hand holding a calculator with a yellow house in the distance with the words why you need life insurance" width="740" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2019/08/27154318/Why-You-Need-TL-Blog-Header.png 740w, https://static.zanderins.com/wp-content/uploads/2019/08/27154318/Why-You-Need-TL-Blog-Header-300x167.png 300w" sizes="(max-width: 740px) 100vw, 740px" /></p>
<p>When you&#8217;re getting out of debt with Dave Ramsey&#8217;s &#8220;gazelle intensity,&#8221; you&#8217;re cutting back on expenses in every category. You&#8217;re eating rice and beans, putting vacations on pause, and you don&#8217;t see the inside of a restaurant unless you&#8217;re working in it!</p>
<p>But one thing you<em> can&#8217;t</em> afford to pause is <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">term life insurance</a>.  Even when you&#8217;re paying down debt, Dave says you need term life insurance. It&#8217;s one form of protection you should have throughout all of the 7 Baby Steps. &#8220;It’s like car insurance,&#8221; Dave says.</p>
<h4>How Much Should I Get?</h4>
<p>Life insurance is there to give you the peace of mind that if something unexpected should happen to you, money will be the last thing your family needs to worry about. Dave recommends signing up for a policy of 10-12 times your annual income.</p>
<p>Here&#8217;s the math behind that: Your beneficiary can invest that lump sum into mutual funds that average at least 10% growth. Then, your family can withdraw just the interest each year to replace your annual salary. The original amount could stay there indefinitely as they live off of the interest.</p>
<p>Imagine if something were to happen to you while you&#8217;re still deep in debt. On top of losing your income, your family would need to pay off those debts and cover funeral costs.</p>
<h4>What if One of Us Stays at Home?</h4>
<p>If you&#8217;re married, both of you need life insurance, <a href="https://www.zanderins.com/blog/do-stay-at-home-parents-need-life-insurance" target="_blank" rel="noopener noreferrer">even if one of you stays at home.</a> That&#8217;s because your contribution as a stay-at-home parent &#8211; including cooking, cleaning, carpooling, and caring for children &#8211; has a cost associated with it. The impact on your children and the benefit you bring to the household is invaluable, and your family would immediately take a financial hit if you were to pass away. In Dave&#8217;s own words: &#8220;If something happens to her, you have to hire Mary Poppins.&#8221;</p>
<p>Monthly premiums for term life insurance are very affordable, <a href="https://www.termvscashvalue.com/" target="_blank" rel="noopener noreferrer">especially compared to whole life insurance</a> (which Dave Ramsey does not recommend, and Zander Insurance does not offer). If you<em> </em>need to keep premiums lower, take out a lower policy now, and increase it once you&#8217;re debt-free.</p>
<p>The bottom line?<strong> You need life insurance &#8211; and you need it now.</strong></p>


Why You Need Term Life Insurance (Even If You&#8217;re in Debt)

<p><img decoding="async" loading="lazy" class="aligncenter size-full wp-image-910" src="https://static.zanderins.com/wp-content/uploads/2019/08/26142511/Auto-Insurance-Blog-Header.png" alt="A picture of a red car that got into an accident with the front right side wheel, window and windshield smashed." width="740" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2019/08/26142511/Auto-Insurance-Blog-Header.png 740w, https://static.zanderins.com/wp-content/uploads/2019/08/26142511/Auto-Insurance-Blog-Header-300x167.png 300w" sizes="(max-width: 740px) 100vw, 740px" /></p>
<p>Purchasing car insurance is one of the most important things you can do to protect yourself.</p>
<p>Why? Well, it’s the law, for one thing. Another reason? The average amount auto insurance pays out per accident is between $3,000-$4,000. There are about 6 million car accidents in the U.S. <em>every year</em>, and half of them result in injury.<sup><a href="https://www.driverknowledge.com/car-accident-statistics/" target="_blank" rel="noopener noreferrer">1</a></sup><sup>  </sup>If there are injuries in a wreck, the cost of a claim skyrockets. You don’t want to get stuck paying that kind of money out-of-pocket!</p>
<p>You might think that most car accidents happen during the winter months, when weather conditions like snow and ice make driving extra risky. But in reality, August is the most dangerous month for drivers.</p>
<p>Why August is the most dangerous is a bit of a mystery, but study upon study — year after year — confirms this month still holds the title. So now is the perfect time to make sure you have the right coverage for you. Even if you’re already insured, we can shop current rates and save you a lot of money!</p>
<h4><strong>Do You Have the Right Auto Insurance?</strong></h4>
<p>There are several options to choose from when it comes to <a href="https://www.zanderins.com/other-insurance/auto-insurance">auto insurance</a>, so it’s worth it to shop rates once a year. Here are some types of coverage to look for in your auto insurance policy:</p>
<ul>
<li><strong>Liability Coverage: </strong>If you’re at fault for an accident, this coverage will cover the costs of any damage or injuries caused in the crash. Most states have minimum requirements for this. Here at Zander, our Guides are trained to know the laws in each state, so that we can get you the right amount of coverage.</li>
<li><strong>Collision Coverage:</strong> If you’re in a wreck, this will cover the cost of repairing or replacing your vehicle.</li>
<li><strong>Comprehensive Coverage:</strong> This insurance covers any losses related to your vehicle, including theft, vandalism, fire, and hail.</li>
</ul>
<h4><strong>How Zander Saves You Money on Auto Insurance</strong></h4>
<p>Car insurance doesn’t have to break the bank. Zander’s nationwide service compares multiple insurance plans, helping you find the most competitive rates for the exact coverage you need! The best part? <strong>We shop rates for free.</strong></p>
<p>Here are 7 advantages to working with us:</p>
<ol>
<li>We represent the country&#8217;s top independent auto insurers.</li>
<li>We’ll give you multiple quotes to make sure you get the right coverage for the most competitive price.</li>
<li>We’re happy to help you understand the different coverages that are suitable for your insurance needs and your budget.</li>
<li>We will review your policy each year to make sure your rates stay as low as possible.</li>
<li>Easy payment options, flexible down payments, and personalized service.</li>
<li>With four generations and nearly 100 years of experience, we&#8217;ll be here to help you each step of the way.</li>
<li>Our partnership with Answer Financial allows you to compare and save online in all 50 states.</li>
</ol>
<p>What are you waiting for? Let us help you find the best rates!</p>


Why You Need Auto Insurance . . . Like, Now

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-2301" src="https://static.zanderins.com/wp-content/uploads/2019/08/23213050/millennials_need_life_insurance.png" alt="5 millennials who need life insurance are sitting down next to each other looking at computers and phones" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2019/08/23213050/millennials_need_life_insurance.png 1110w, https://static.zanderins.com/wp-content/uploads/2019/08/23213050/millennials_need_life_insurance-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2019/08/23213050/millennials_need_life_insurance-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2019/08/23213050/millennials_need_life_insurance-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p>If you&#8217;re a millennial, you may think, &#8220;Why do I need life insurance? I&#8217;m young and healthy &#8211; that&#8217;s something I shouldn&#8217;t have to worry about right now.&#8221; It&#8217;s true that no one likes to think about their death. However, having <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">life insurance</a> is just as important for millennials as it is for the older generations. According <a href="https://www.forbes.com/sites/ashleaebeling/2018/11/13/the-big-millennial-life-insurance-gap/#3e9600936ac4" target="_blank" rel="noopener noreferrer">to Forbes</a>, &#8220;only 10% of millennials say they have enough life insurance in place to cover self-reported needs should they die.&#8221; This means that their families are left with those expenses if something terrible were to occur. So the question is, &#8220;Why do I need life insurance?&#8221; We have five great reasons for you!</p>
<h3>1. Lower Costs</h3>
<p>When you are young and healthy, you are low-risk customer! This means that affordability shouldn&#8217;t be an issue. Bonus points if you are a non-smoker and have no pre-existing conditions &#8211; you will enjoy the lowest rates possible! Consider locking in that affordable rate for a 30-year term too, especially if you have long-lasting debts like a mortgage or student loans. It will never be cheaper than it is right now!</p>
<h3>2. Loan Debt</h3>
<p>Speaking of debt, many millennials enter the workforce with mountains of student loan debt. If something tragic happens to you, then your family will be stuck paying those off, as well as any other debts you have incurred. Having life insurance in place will give them peace of mind and help them grieve their loss without being in a financial bind.</p>
<h3>3. Funerals Are Costly</h3>
<p>Funerals are becoming more and more expensive. Unless your family buries you in a plain wooden box, with no help from a funeral home, it will be costly. On average, a funeral costs between <a href="https://www.lhlic.com/consumer-resources/average-funeral-cost/" target="_blank" rel="noopener noreferrer">$7,000 to $9,000</a>. If you have life insurance coverage, you can relieve your family of the financial burden of an expensive burial.</p>
<h3>4. Your Employer&#8217;s Life Insurance May Not Cut It</h3>
<p>You just landed a new job with benefits. That&#8217;s great! However, most employers only provide 1-3 times your annual income in life insurance coverage, and that&#8217;s not enough. You need 10-12 times your income to ensure that your family can take care of any outstanding debts if you pass away, especially if you own a home or have young children. In addition, if you ever left your job, you wouldn&#8217;t be able to take that policy with you! So it&#8217;s best to have an individual policy outside of work with the right amount of coverage.</p>
<h3>5. Family</h3>
<p>Taking care of your family is the most important thing you can do but, if you die, your income dies too. Of course you are more than an income to your family, but those funds are vital to anyone who is dependent on you! Having the right amount of life insurance in place would allow your family to take care of any final expenses and maintain their current lifestyle after you&#8217;re gone.</p>
<p>Life insurance may not have been a priority for you, but in reality, planning for the future should be a priority for all of us. Dave Ramsey says, &#8220;<strong>Life insurance isn&#8217;t a way for you to get rich. It&#8217;s a way to protect your family from going poor.</strong>&#8221; So, isn&#8217;t about time you got life insurance?</p>
<p>P.S. Not a millennial, but know someone who is? Pass this blog along to someone who needs to know the importance of life insurance protection!</p>
<p>&nbsp;</p>


5 Reasons Millennials Need Life Insurance

<p><img decoding="async" loading="lazy" class="aligncenter size-full wp-image-875" src="https://static.zanderins.com/wp-content/uploads/2019/08/06193516/Tornado-Season_.png" alt="" width="740" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2019/08/06193516/Tornado-Season_.png 740w, https://static.zanderins.com/wp-content/uploads/2019/08/06193516/Tornado-Season_-300x167.png 300w" sizes="(max-width: 740px) 100vw, 740px" /></p>
<p>In the United States, tornadoes cost billions of dollars in damage each year.<sup>(</sup><sup>1</sup><sup>)</sup> Even if you’re not in the direct path of a tornado, the wind, hail, and rain is enough to make everyone take cover and pray their home doesn’t flood or lose a roof!</p>
<p>We’re in the thick of tornado season, but with the right homeowners insurance policy you don’t have to worry about storm damage destroying your bank account. Here’s how to make sure your policy provides the coverage you need.</p>
<h3>Does My Homeowners Insurance Cover Tornado and Storm Damage?</h3>
<p>Whether or not your insurance covers tornado damage depends on where you live, the type and amount of coverage you have, and what causes the damage. Most policies will cover storm damage caused by the following perils:</p>
<ul>
<li>Wind</li>
<li>Hail</li>
<li>Fire</li>
<li>Lightning strikes</li>
<li>Falling objects</li>
<li>Explosion</li>
</ul>
<p>If your policy covers those risks, look for the dwelling coverage portion of your policy. That would be the amount dispersed to help pay to repair or rebuild your home. Then, find the personal property coverage amount. That portion would help pay to repair or replace your personal items that were damaged or destroyed inside the home.</p>
<p>There are usually limits to the amount your policy will pay toward any of these losses. It’s always important to carefully read your homeowners insurance policy and know what risks it may or may not cover. We can help you review your coverage so you can determine whether your limits are what they should be for your home.</p>
<p>Keep in mind that flood insurance is almost always in its own category. So if a storm causes flooding in your home, even if your policy covers many other damages — like wind and hail — damage caused by flooding would likely not be covered. Let us know if you’re concerned about flooding in your area.</p>
<h3>Protecting Your Home against Tornadoes</h3>
<p>At Zander Insurance, we don’t believe in one-size-fits-all coverage. Our Guides shop over a dozen of the top insurance companies to tailor policies that fit your unique needs and location (like if you happen to live in Tornado Alley)!</p>
<p>What makes Zander unique? We’ve got your back for the life of your policy. That’s how we’ve served our clients for nearly 100 years.</p>
<p>Don’t stress over tornado season. <a href="https://www.zanderins.com/other-insurance/home-insurance">Get in touch with Zander to get covered today!</a></p>
<p><em>(1) Insurance Information Institute, 2018</em></p>


Tornado Season: Are You Prepared?

<p><img decoding="async" loading="lazy" class="size-full wp-image-860 aligncenter" src="https://static.zanderins.com/wp-content/uploads/2019/07/31140627/Capital-One-Data-Breach.png" alt="Capital One Data Breach Blog" width="740" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2019/07/31140627/Capital-One-Data-Breach.png 740w, https://static.zanderins.com/wp-content/uploads/2019/07/31140627/Capital-One-Data-Breach-300x167.png 300w" sizes="(max-width: 740px) 100vw, 740px" /></p>
<p>The Capital One data breach has impacted over <strong>100 million customers</strong> in the U.S. and Canada, with exposed personal information including names, addresses, financial records, and a limited number of social security numbers. This has caused many customers to worry about whether their information &#8212; and their identities &#8212; are safe.</p>
<p>So &#8212; what can you do?</p>
<p>Our Zander IDT Guides have provided 3 tips to keep your information safe:</p>
<h3><strong>Use Complex Passwords<br />
</strong></h3>
<p>Create a password that would be difficult for hackers to use. It&#8217;s best to use a combination of upper and lowercase letters, numbers, and symbols. Don&#8217;t your birthday, kids&#8217; names, or anything that is easily, or anything that is easily identifiable.</p>
<h3><strong>Be Proactive in Guarding Yourself<br />
</strong></h3>
<p>The best thing you can do is be proactive at keeping your personal information safe. Taking an offensive approach rather than a defensive approach will give you peace of mind knowing that your identity is safe. How do you do this? Shred important documents and be cautious of who you share information with online or over the phone.</p>
<h3>Monitor Your Accounts</h3>
<p>If you do get identity theft protection, make sure the company you are with does this for you. <a href="https://www.zanderins.com/identity-theft-protection">Reputable IDT protection products</a> provide alerts and monitoring when your information is associated with breaches or other fraudulent activity. This can give you the head start you need to combat financial losses due to security failures.</p>
<p>Identity theft is becoming more and more prevalent each year. While preventing it is difficult, it is possible. Make sure you have the right protection for you and your family.</p>
<p>Zander&#8217;s IDT products are among the most cost-effective and with the help of a Zander IDT guide &#8211; you can ensure you&#8217;ll be fully recovered if anything were to happen.</p>


Capital One Data Breach: What You Can Do

<p><img decoding="async" loading="lazy" class="aligncenter size-full wp-image-882" src="https://static.zanderins.com/wp-content/uploads/2019/07/07184903/Every-Stage-of-Life-Header.png" alt="" width="740" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2019/07/07184903/Every-Stage-of-Life-Header.png 740w, https://static.zanderins.com/wp-content/uploads/2019/07/07184903/Every-Stage-of-Life-Header-300x167.png 300w" sizes="(max-width: 740px) 100vw, 740px" /></p>
<p>The one thing that’s constant in life is change. If you haven’t had a major life change in a while, that just means there’s one coming right around the corner!</p>
<p>Whether you’re living the single life right now, you’re about to get married, or retirement is right around the corner — Zander has you covered throughout all of life’s stages.</p>
<h2>Singles</h2>
<p>Okay, so you don’t have a spouse or kids depending on your income. You probably feel free and clear, right?</p>
<p>We’d like to agree but, according to the Social Security Administration, one in four people become out of work for at least a year because of a disability. So it’s a smart idea to protect yourself by having <a href="https://www.zanderins.com/disability-insurance/instant-quotes" target="_blank" rel="noopener noreferrer">disability insurance</a>. This will serve as a barrier between you and the loss of income if something unexpected happens and you become disabled.</p>
<p>Disability insurances replaces most of your income if you become ill or injured and are unable to work. The disabling event doesn’t have to take place at your work, and most disability insurance claims are for things you may not even realize are considered disabilities, such as a heart attack, cancer, or injuries from an accident.</p>
<p>These things really can happen to anyone. Disability insurance is a critical piece of keeping your future secure, no matter what life throws your way.</p>
<p>We also have you covered for <a href="https://www.zanderins.com/other-insurance/home-insurance" target="_blank" rel="noopener noreferrer">home</a> and <a href="https://www.zanderins.com/other-insurance/auto-insurance" target="_blank" rel="noopener noreferrer">auto</a> insurance, which is critical at any stage in life. We’ll find you great coverage at a great price because we compare plans from over 15 of the top-rated companies <em>for</em> you!</p>
<p>And don’t forget about <a href="https://www.zanderins.com/identity-theft-protection" target="_blank" rel="noopener noreferrer">identity theft protection</a>. Did you know that, according to the FBI, you’re 50 times more likely to have your identity stolen than have your house broken into? If you wouldn’t go to bed at night without locking your doors, don’t go through life without protecting your identity!</p>
<h2>Young Families</h2>
<p>Isn’t it funny how marriage or a new baby puts things in perspective? At this stage of life, you’ve probably begun thinking about your family’s future. A <a href="https://www.zanderins.com/term-life-insurance/instant-quotes" target="_blank" rel="noopener noreferrer">term life insurance</a> policy is where you want to start.</p>
<p>Term life insurance takes care of your family financially when you die. Dave Ramsey recommends a policy that covers 10-12 times your annual income. This money is meant to replace your income, pay off any outstanding debts, cover funeral costs, and maybe even help fund college tuition or retirement.</p>
<p>You’ll want life insurance on both spouses, <a href="https://www.zanderins.com/blog/do-stay-at-home-parents-need-life-insurance" target="_blank" rel="noopener noreferrer">even if one stays at home</a>. That’s because the contributions of a stay-at-home parent — including cooking, cleaning, carpooling, and caring for children — have a cost associated with them! The impact on your children and the benefit a stay-at-home parent brings to the household is invaluable, and the family would immediately take a financial hit if those contributions were lost.</p>
<h2>Established Families</h2>
<p>We know you have a lot on your plate. You’re juggling kids, careers, and keeping the cocker spaniel from killing the cat.</p>
<p>One thing you don’t want to have to worry about is your family’s future, especially if something unexpected happens. As we discuss above, term life insurance and disability insurance are great places to start. Don’t forget to get life insurance on both spouses, <a href="https://www.zanderins.com/blog/do-stay-at-home-parents-need-life-insurance" target="_blank" rel="noopener noreferrer">even if one stays at home</a>.</p>
<p>You’ll also want to look into <a href="https://www.zanderins.com/other-insurance/long-term-care-insurance" target="_blank" rel="noopener noreferrer">long-term care insurance</a>. Over half of people turning 65 today will need long-term care at some point, and that’s why this should be a serious consideration in your financial planning.<sup>(1)</sup> You might not be ready to purchase a plan yet, and that’s ok! But you <em>do</em> want to get to a place financially where you can pay for a policy by age 60.</p>
<p>And if you’ve had the same home and auto insurance policy for a while, it’s time to re-shop. We’ll find the best current rates for you—because we know you don’t have time for that.</p>
<h2>Retirees and Empty Nesters</h2>
<p>At this point, you’ve earned the right to relax. Hopefully you’ve got a little nest egg, and no one is directly relying on your income — except you! And we want you to keep what you’ve worked so hard for.</p>
<p>That’s why protecting your assets with an identity theft protection plan is crucial. Senior citizens are one of the most commonly targeted groups for ID theft, a crime that is growing faster than any other in the United States. Identity theft protection will help you avoid social media hacks, phone scams, or any other form of exploitation, and make sure you’re covered if you do become a victim.</p>
<p>This is also when your long-term care insurance should come into play. Medicare and standard health insurance will not cover long-term care costs &#8211; that’s important to keep in mind when assisted living can cost around $45,000 a year, and home health aides cost around $135 per day.<sup>(2)</sup> Most of us don’t have that just sitting around in our budget! Long-term care insurance will make sure you have everything you need in this category.</p>
<p>So, how can Zander help you where you are in life right now? Give us a call at 1-800-356-4282 and we’ll have you prepared for whatever life throws your way!</p>
<p></p>
<p><em>(1) Melissa Favreault and Judith Dey, “Long-Term Services and Supports for Older Americans: Risks and Financing Research Brief,” Office of the Assistant Secretary for Planning and Evaluation, US Department of Health and Human Services, Washington, D.C. July 1, 2015</em></p>
<p><em>(2) Genworth Cost of Care Survey 2018</em></p>

We’ve Got You Covered in Every Stage of Life

<p>Take a moment to think about yourself and three other people in your life. Maybe someone in your family, someone you work with, and a longtime friend.</p>
<p>Statistically speaking, one of you hasn’t read a single book in the last year.<sup>(</sup><sup><a href="https://www.pewinternet.org/2016/09/01/book-reading-2016/" target="_blank" rel="noopener noreferrer">1</a></sup><sup>)</sup> One of you isn’t saving anything for retirement,<sup>(</sup><sup><a href="https://www.cnbc.com/2019/03/14/heres-how-many-americans-are-not-saving-any-money-for-emergencies-or-retirement-at-all.html" target="_blank" rel="noopener noreferrer">2</a></sup><sup>)</sup> one of you will get cancer,<sup>(</sup><sup><a href="https://www.cancer.org/cancer/cancer-basics/lifetime-probability-of-developing-or-dying-from-cancer.html" target="_blank" rel="noopener noreferrer">3</a></sup><sup>)</sup> and, according to the Social Security Administration, one of you will be out of work for at least a year because of a disability.<sup>(</sup><sup><a href="https://www.ssa.gov/oact/NOTES/ran6/an2017-6.pdf" target="_blank" rel="noopener noreferrer">4</a></sup><sup>)</sup></p>
<p>That last one is something you don’t hear much about, but it affects more people than you think — and it could affect you. That’s why working without long-term disability insurance is a bad idea. <strong>The good news is &#8211; there’s no need to live in fear.</strong> Our Zander Insurance Guides are here to help you make sure you don’t lose your independence because of disability.</p>
<h2>What Is Disability Insurance?</h2>
<p><a href="https://www.zanderins.com/disability-insurance/instant-quotes">Disability insurance</a> is a barrier between you and loss of income by replacing most of your income if something unexpected happens and you become too sick or injured to return to work.</p>
<p>The illness or injury doesn’t have to take place at work, and most disability insurance claims are for things you may not even realize are considered disabilities – a heart attack, cancer, or injuries from an accident are just a few examples. These things can really happen to anyone.</p>
<p>Disability insurance premiums are generally pretty inexpensive, and will depend on several different factors, such as:</p>
<ul>
<li>Your age</li>
<li>Your state of health</li>
<li>The risk level of your work</li>
</ul>
<p>For example, if you’re 30, healthy, and work behind a desk, long-term disability insurance can cost as little as 1% of your annual salary. This can be broken down into minimal monthly payments. As you age, however, your premiums will increase. If your health deteriorates, you may find it hard to qualify for an affordable policy at all.</p>
<h2>What Happens If I Become Disabled?</h2>
<p>If you’re part of the 68% of people<sup>(</sup><sup><a href="https://www.ssa.gov/news/press/factsheets/basicfact-alt.pdf" target="_blank" rel="noopener noreferrer">5</a></sup><sup>)</sup> working with no disability insurance, an injury or illness could put you and your family’s financial stability in jeopardy. Just imagine the financial stress of being out of work on top of trying to recover from an injury or disease that requires surgery, rest, and rehabilitation – or, even worse – if you find out you can never go back to work because of injury or illness.</p>
<p>Do you have enough cash saved up to replace your income for an extended period of time? Remember, long-term disability happens to <strong>one in four </strong>people. If you live your life without disability insurance, you’re rolling the dice.</p>
<p>Disability insurance allows you to take the time you need to heal without losing your paycheck. A good disability insurance policy will pay out between 60-70% of your current take-home pay, and Zander can help you find the right plan for you.</p>
<p>Disability insurance is a critical piece of keeping your future secure, no matter what life throws your way. Let our pros do the work for you and keep your family protected.</p>


Don’t Let Disability Steal Your Independence

<p>Our phones are important – we use them for everything from online shopping, to navigating where we need to go, and staying connected to our loved ones. So it only makes sense to make sure they’re protected! So . . . why don’t we treat our lives the same way? Studies show that more than <b>40% of Americans don’t have life insurance</b>.</p>
<p>Life insurance isn’t as fun to talk about as a new phone, but if you’re serious about protecting your family’s future, you need to make sure you’re covered. One of the most important ways to do that is to get term life insurance.</p>
<h2>What Is Term Life Insurance?</h2>
<p>Term life insurance the easiest and most affordable type of life insurance you can buy. It’s the only one that Dave Ramsey recommends because, as he puts it, “It’s insurance that does one thing and one thing only: pays the people you choose — your spouse, children, or other beneficiaries — a fixed amount of money if you die.”</p>
<p>According to Dave, term life insurance is a <a href="/term-life-insurance/5-term-life-insurance-mistakes-to-avoid" target="_blank" rel="noopener noreferrer">better option</a> than <a href="https://www.termvscashvalue.com/" target="_blank" rel="noopener noreferrer">whole life insurance</a> or other types of life insurance you may have heard of, because:</p>
<ul>
<li>Term life insurance is cheaper.</li>
<li>You know exactly what you get with term life — no risky investments.</li>
<li>Its purpose is simple: to support your loved ones if you pass away.</li>
</ul>
<p>Term life insurance is a way for you to proactively take care of your family so they aren’t burdened with financial stress when you’re gone.</p>
<p>That might feel weird to think about, but it’s actually a really positive thing. Life insurance provides you with peace of mind, knowing that if something ever happens to you, your family will be completely taken care of. While nothing can replace you, a life insurance policy would replace your income so that money is the last thing anyone has to worry about.</p>
<h2>What Kind of Life Insurance Policy Should I Get?</h2>
<p>When you get term life insurance, you want a 15–20 year policy in the amount of <a href="/term-life-insurance/faqs" target="_blank" rel="noopener noreferrer">10–12 times your annual income</a>.</p>
<p>This is meant to replace your income so that your spouse doesn’t have to worry about mortgage payments or having to make any drastic lifestyle changes when they’re already dealing with incredible loss. If they invest the lump sum it will grow, and they will actually be able to withdraw the amount of your salary each year for a long time.</p>
<p>What if you’re a stay-at-home parent? <a href="/blog/do-stay-at-home-parents-need-life-insurance" target="_blank" rel="noopener noreferrer">You still need life insurance</a> because you still bring economic value to your home! Dave’s recommendation for stay-at-home parents is a policy in the range of $250,000 to $400,000.</p>
<p>The truth is that life insurance is the most thoughtful, responsible thing you can do for your loved ones. The best part? You can get it for about what it costs to get insurance on your phone — but the value is exponentially more.</p>
<h2>When Is the Right Time to Get Life Insurance?</h2>
<p>According to Dave Ramsey, the best time to get life insurance is now. So before you pull out your phone to post another picture of what you made for dinner . . .</p>


Wait . . .  You Have Insurance on Your Phone, But Not Your Life?

<h3>Middle Tennessee Emergency Assistance</h3>
<p>With the recent heavy rains and flooding in Middle Tennessee we wanted to keep our clients up to date on actions we are taking to help them get their claims reported and to deal with the process of reporting damaged property and cleaning up. We have moved employees from all other departments to our claims unit so that we can take all incoming phone calls and keep any delays responding to our clients needs to an absolute minimum. We can be reached toll free at 800-356-1780 or by email at <a href="mailto:info@zanderins.com">info@zanderins.com</a>.</p>
<p>Claims related to &#8220;Water Damage&#8221; are very complicated and need to be thoroughly investigated to make sure all elements of an insurance policy are considered when a claim is submitted. The highest priority at this time is to notify your insurance company of any damage and the potential for a claim. We have listed below certain steps that should be taken to help streamline your efforts and minimize any complications and further inconvenience.</p>
<ul>
<li>Be cautious when entering any area affecting by water damage.</li>
<li>Take steps to protect your property from further damage.</li>
<li>Work only with qualified contractors specializing in water damage and remediation services.</li>
<li>Take photographs of damaged property, standing water levels and other damage that may have occurred.</li>
<li>Contact your insurance company or agent promptly and maintain records of your calls, who you spoke to and other details.</li>
</ul>
<p>Above is a link to a list of clean up and restoration specialty companies that deal specifically with water damage related claims, the process to determine the cause of the damage and the steps necessary to remediate the damage correctly further reducing complications. We have also listed information provided by FEMA (Federal Emergency Mgt Authority) and NFIP (National Flood Insurance Plan) which lists additional detail which will help further in the recovery process and summarizes services available for those affected by this natural disaster.</p>
<p>This is the time that you count on us the most and we will continue to work hard to deserve that trust and confidence and help all clients work through the challenges ahead.</p>


Flood Claims

<p>We are posting this information as a measure to further assist our clients that have filed claims related to the recent heavy rains and subsequent flooding and water damage in Middle Tennessee. Teams of adjusters from the Insurance Companies have been arriving on site and have begun to visit those affected individuals for inspections and review of damages. We wanted to provide you a few tips that may assist you in dealing with the adjusters and help present your claim in the most favorable light. These are difficult times but there are certain steps that you can take to help maximize potential coverage and settlement. If you have any questions after reviewing this detail please feel free to contact us.</p>
<div>
<ul>
<li>Always be courteous to the adjuster since they are the first responder for the insurance company but not always the final decision-maker in the event of a claim. Policy provisions can be very complicated so it is to your benefit to not assign any terminology to the cause of your loss at this time.</li>
<li>Emphasizing that your property was flooded by rising surface water or seepage from your foundation will trigger exclusions in homeowner policies. There may be contributing factors to your water damage so it is best to describe your loss as caused by the heavy rains.</li>
<li>Many homeowner’s policies provide for water damage protection if it is a result of another covered peril or event such as windstorm damage that may have then contributed to the water damage. In addition, back up of sewers and drains within your home, sump pump failure or a broken pipe are also events that may trigger protection under a homeowner’s policy.</li>
<li>If you have experienced damage of any kind form the recent weather event please report it to our office at 800-356-1780 so we can promptly notify your company and get an adjuster out to your premise as quickly as possible.</li>
</ul>
</div>


Claims Update

<p>Applying for <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">life insurance</a> can be intimidating, especially if you’ve never done it before. You know you will be answering a lot of questions (probably more than once), but what else will be needed? How long does it take? At what point is payment required? Don’t worry, Zander is here to answer all of your questions and make the application process as simple and informative as possible. Take a look at the outline below to learn what you can expect when applying for term life insurance.</p>
<ol>
<li><strong>Comparing Quotes.</strong> One of the benefits of working with Zander is that we do all of the shopping for you. By comparing rates from over a dozen top insurance carriers, our team will find the best fit for your individual situation. You can get instant term life quotes and request an application right here on our website, or by calling and speaking to one of our Zander Guides at 800-356-4282.</li>
<li><strong>The Application.</strong> Once you have decided on the right plan to fit your needs, it’s time to apply. Depending on the insurance company you selected, your application will be submitted one of two ways &#8211; either via telephone interview or a paper application. If the company you selected performs an interview, you will receive a call to answer the application questions over the phone, usually within 24-48 hours of your request being submitted. This call typically takes 15-20 minutes. If the company you selected uses a paper application, a packet will be mailed to you and a postage-paid envelope will be included for its return. No payment is needed at this time.</li>
<li><strong>The Exam.</strong> If the insurance company you selected requires a medical exam, it will be scheduled within a few days of submitting your application request. A nurse will come to the location of your choice, at no cost to you, and will check your blood pressure and weight, take a blood and urine sample, and ask you some basic medical questions. This shouldn’t take more than a half an hour. Since the results of the exam help determine the underwriting classification and the cost of your policy, we have listed below several tips to ensure favorable results:
<ul>
<li>Do not eat 8 hours prior to exam</li>
<li>Avoid foods that are high in salt or fat</li>
<li>Limit coffee, tea, or any caffeine for 2 hours prior to exam</li>
<li>Refrain from alcoholic beverages for 24 hours prior to exam</li>
<li>Be well rested and avoid strenuous exercise for 24 hours prior to the exam</li>
<li>Avoid nasal decongestants and OTC pain medications (aspirin, acetaminophen, and ibuprofen) for up to 8 hours prior to the exam</li>
</ul>
</li>
<li><strong>Underwriting.</strong> Once your exam and application are completed and returned, the insurance company will review your responses, as well as your medical and personal history, to assess your risk and determine your rate class. This is based on a variety of attributes including age, family history, current and past health history, driving record, height, weight, lifestyle, avocation and tobacco usage. This stage of the application process typically takes 4-6 weeks to complete. A Zander case manager will be assigned to your file to facilitate underwriting, ensuring things are moving forward and keeping you informed of updates or requests for more information.</li>
<li><strong>The Decision.</strong> Once underwriting is complete, the insurance company will provide their decision and, if approved, they will issue a policy that will be sent to you. Once you have the policy, you will set up the payment, then sign and return the required documents. A Zander Guide will contact you to confirm that the policy is active.</li>
</ol>
<p>This overview is designed to give you a general idea of how the application process works. For more information, give us a call at 800-356-4282 and we will be happy to answer any other questions you might have.</p>


Understanding the Process of a Term Life Insurance Application

<p>Zander maintains an array of <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">life insurance</a> products that offer numerous options for tobacco users. These products can save you money based on the type of tobacco used and frequency of use. We have companies that offer lower &#8220;preferred&#8221; rates for smokers and special programs with &#8220;non-smoker&#8221; rates for cigar, pipe and smokeless tobacco use. Many of our competitors simply treat all tobacco users the same eliminating any potential savings but we have companies that offer competitive preferred tobacco. Call 800-356-4282 to request a proposal to compare rates.</p>


Tobacco Use

<p>This information is intended for non-specific/general use only. Please consult your tax, legal or professional advisor with respect to your personal situation.</p>
<h2>1) Should I name my estate as beneficiary?</h2>
<p>No. This measure should only be considered in very unusual and specific situations. By naming your estate as beneficiary, you expose the proceeds of the policy to potential state inheritance and federal estate taxes. Additionally, creditors now have access to the funds since many states protect beneficiaries such as spouses, children, siblings, etc., but not an insured&#8217;s estate. Your state of residence and personal financial situation must be considered, but naming a specific individual or organization, as beneficiary will help assure they receive the policy benefits while limiting tax liabilities.</p>
<h2>2) Is it advisable to name my minor children or grandchildren as beneficiary?</h2>
<p>No. Providing a child with a significant sum of money is often a mistake and does not allow the policy proceeds to be used as intended. Many states tie up the proceeds and make it time consuming and expensive to access the funds. Others require guardians or custodians, not directed by you, to be appointed and regulate the funds at their discretion. To avoid these situations, the establishment of life insurance or testamentary trusts (set up through your will) can be extremely beneficial. Costs for the establishment of these trusts can be minimal and provide the appropriate control to help achieve the goals you set for your children or grandchildren&#8217;s future. Consult your tax and or legal advisor with respect to your personal situation.</p>
<h2>3) Do I really need to name a contingent beneficiary?</h2>
<p>Yes! If the beneficiary you have listed dies prior to the insured person, even if by only a few minutes, and no contingent beneficiary has been named, then the policy proceeds are paid to the insured&#8217;s estate. As previously mentioned this can cause significant tax liability one that could be avoided by the designation of a contingent beneficiary. The naming of a contingent beneficiary does not affect the payment of the policy proceeds if the primary beneficiary is still alive. The contingent beneficiary has no rights to any policy proceeds unless the primary beneficiary has predeceased the insured person.</p>
<h2>4) Should I be the owner of my policy?</h2>
<p>The answer to this question depends on the size of your estate. If the amount of your estate, including your life insurance, does not exceed the current unified tax credit limit, then owning your own policy does not cause any federal estate tax liability. However, if your estate does exceed the unified tax credit limit then the ownership of your own policy increases the size of your estate and can raise your estate tax liability. In many cases a spouse can act as the owner and eliminate this potential problem. Please consult with us or your legal counsel if you feel this circumstance may apply to you.</p>
<h2>5) How often should I review my policy?</h2>
<p>We generally recommend a review every two to three years. This does not mean changing policies or companies unless there has been a change in your underwriting eligibility (le: quit smoking, improved health, lifestyle/avocation change, etc.). We suggest reviewing the ownership and beneficiary designations along with other policy features to assure that any changes that have occurred over the years have been addressed. Many people forget to add their new born children to a new policy or make changes to the primary and contingent beneficiary designations once the policy is in force. Be sure that the people you want to benefit from the policy proceeds are appropriately named and the policy reflects your most recent desires.</p>


Life Insurance Tips

<div id="content_bottom">
<h2>Why should I use Zander vs. other alternatives?</h2>
<p>Zander provides a balance of size, experience and commitment to excellent service that is unique in our industry. We are large enough to command the attention and accountability of the companies we represent, which helps assure that our clients receive the most competitive pricing and prompt attention to any issues that may arise. Our size, however, does not interfere with our effort to provide personalized service throughout our business relationship. Whether you have questions prior to applying, concerns during the application process, or need assistance once your policy is in effect, we are here to serve you!</p>
<h2>What type of policies are included in the proposals you sent me?</h2>
<p>Zander Insurance only provides quotes for level <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">term life insurance coverage</a>. All products can be quoted on a 10, 15, 20, and 30-year basis, and the premiums are guaranteed for the duration you choose. While most of the policies are renewable to age 95, the annual premiums may increase significantly after the initial guaranteed period expires and, in addition, most of the policies are convertible to permanent life insurance policies. We present all policies for your review so you can determine the best option.</p>
<h2>I have never heard of the company recommended. Should I still consider their policy?</h2>
<p>All carriers that we represent are top quality carriers with AM Best ratings of A-, A, A+, or A++. These are considered to be “excellent” or “superior” ratings, and signify their strong ability to meet the ongoing obligations to policyholders. The ratings reflect the opinion of AM Best and are not implied warranties of the companies’ ability to meet their financial obligations. Though you may not be familiar with a company’s name, we have the greatest confidence in the carriers we recommend and are proud to represent them.</p>
<h2>Is price the only thing I should be concerned with?</h2>
<p>With term life insurance there is no cash value, dividends, loans, investment options, etc. to be concerned with. Look for a guaranteed level product from a carrier with strong financial ratings. Remember, when comparing an older policy to a new one, the number of additional years the premium is guaranteed into the future may represent an enhancement of value.</p>
<h2>How much coverage do I need?</h2>
<p>When determining the amount of coverage you should have, a review of your personal circumstances is necessary. A more simplified approach includes calculations based on a multiple of your income. A level generally recommended is ten to twelve times your income, though you could need less depending on your personal financial situation. Paying off your mortgage or other debts, savings in excess of your retirement plans, a spouse’s continued income, and having adult dependents are all circumstances that can help reduce the necessary amount of insurance your family may need. Don’t hesitate to contact us to talk more about your specific needs.</p>
<h2>Will I always receive the price quoted from the carrier I apply to?</h2>
<p>Not necessarily. Each company has certain underwriting guidelines that you must meet to qualify for the rate class at which you were quoted. The guidelines are similar with most companies, but certain carriers are more flexible than others, and have specific underwriting niches. The areas reviewed by the carrier include: medical history, height, weight, cholesterol, driving record, family history of heart disease/cancer, hazardous sports, etc. We make every effort to provide you the most accurate and realistic quote based on the personal details you provide at the time of the quote, whether it was via the web or through a call to one of our Zander Guides. If you do not receive the same rate you were quoted, the company will explain what factors changed the outcome and generally offer an alternative. You may accept it or decline it. There is no cost to you should you decide to decline.</p>
<h2>Is a medical exam required?</h2>
<p>A basic paramedical exam is required for most term life products, though there are some that do not based on the applicant’s age and the amount for which they apply. The exam is very simple and takes approximately 15-20 minutes. The examiner will typically request a blood and urine specimen, take your blood pressure and ask questions concerning your medical history. Examiners are not licensed insurance agents and are unable to assist with questions regarding your application. Please don’t hesitate to contact us with any questions or concerns.</p>
<h2>What payment plans are available?</h2>
<p>The premiums quoted are on an annual basis. Other premium options include monthly, quarterly, and semi-annually. Monthly payments can only be made via electronic fund transfer. Most companies charge an additional fee when premiums are paid more frequently than annually.</p>
<h2>How long does the application process take?</h2>
<p>Once we receive your application and the paramedical exam has been done, approvals typically occur 4-6 weeks. That timeframe can be longer if scheduling your medical exam is delayed or if medical records must be ordered from your doctor. Let us know of any special time limitations and never cancel your existing policy until you are approved and have reviewed your new policy.</p>
<h2>Are Zander and the insurance carriers presented licensed to do business in my state?</h2>
<p>Yes! Our rating program determines the best value available in your state, and Jeffrey J Zander is licensed in all states where business is conducted.</p>
<h2>Should I cancel my current coverage when I apply to one of the companies Zander represents?</h2>
<p>Absolutely not. Coverage is not in force until approved by the carrier, you accept the policy, and payment is made. You should not cancel your existing policy until your new policy has been activated. Please remember that if you are replacing an existing policy, the suicide and contestability periods of the new policy will still apply. Also, if you plan to discontinue a <a href="https://www.termvscashvalue.com/" target="_blank" rel="noopener noreferrer">cash value type policy</a>, you may incur surrender charges and/or have tax consequences. Your financial planner, legal counsel, or current insurance agent should be consulted.</p>
<h2>What is the quickest way to get my coverage in force?</h2>
<p>There are several things you can do to help expedite the application process. Using our website to apply helps reduce processing time. Be sure to include your email address, which helps us promptly contact you with any additional information requests. Also, a thorough explanation of all “yes” answers on your application, prompt scheduling of your paramedical exam, and a listing of the full name and address of all your physicians will help quicken the underwriting process.</p>
<h2>What is a conditional receipt?</h2>
<p>For those who want coverage in effect at the time of application, under certain limitations, companies will extend conditional coverage based on the terms outlined in their “conditional receipt.” The terms must be complied with prior to conditional coverage, so careful review is imperative if selecting this option. All conditional receipts maintain limits on the amount of coverage conditionally provided and the length of time it is in force. Those using this alternative typically have no other coverage in force and have an immediate need for some form of protection . . . even if limited.</p>
</div>


Term Life Insurance : FAQs

<p>Recently, numerous <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">life insurance</a> companies have introduced new &#8220;Universal/Term&#8221; life insurance plans to compete in the term life insurance marketplace. Though the terminology &#8220;Universal/Term&#8221; may cause concern, these programs are actually built to resemble and function similar to term life plans and compete with their low costs. These new universal term life plans offer guaranteed level premiums (10, 15, 20 and 30 year), guaranteed death benefit, increased flexibility and have rates in many cases lower than other companies term life plans.</p>
<p>We only offer plans that comply with the criteria that Dave recommends to his listeners. Dave has carefully reviewed these new &#8220;Universal/Term&#8221; plans and determined that they are a valuable alternative, when priced competitively, and should be considered as they offer &#8220;low cost protection&#8221; similar to traditional term life plans. This does not change, in any way, his opinion of never using a life insurance policy as a savings or investment tool. Life Insurance should be purchased for the purpose of protection only and you should never save or invest in a life insurance policy. For more information, visit Dave&#8217;s site at <a href="http://www.daveramsey.com/universalterm/">www.daveramsey.com/universalterm/</a>.</p>


Universal Term Programs

<p align="justify">Most companies offer insurance for children as a rider to their parent&#8217;s policy. The requested amount is added to the parent&#8217;s policy premium each year. Sample rates for the companies offering this coverage are detailed below. The &#8220;Cost/Unit&#8221; column illustrates the cost per thousand per year for the coverage while the &#8220;# Units Available&#8221; lists the minimum and maximum coverage values available.</p>
<p align="justify">Generally, the coverage provided is to all dependent children in your household, ranging in age from 6 months to 21 (there are some specific company details). If you request 10 units = $10,000 and the charge per thousand is $6.50, then the annual premium will be $65.00 per year, regardless of the number of children in your household. Please don&#8217;t hesitate to contact us with any questions you may have.</p>
<style>
            #Table1 tr td {<br />                text-align: center;<br />                padding: 2px;<br />            }<br />        </style>
<table id="Table1" border="1" width="100%" cellspacing="0" cellpadding="0">
<tbody>
<tr>
<td>Insurance Company</td>
<td>Cost/Unit</td>
<td>Units*</td>
<td>Insured Issue Age</td>
<td>Child Issue Age</td>
<td>Insured Expiry Age</td>
<td>Child Expiry Age</td>
</tr>
<tr>
<td>American General Life</td>
<td>$5.00</td>
<td>1-25</td>
<td>20-50</td>
<td>15 days -18 yrs</td>
<td>65</td>
<td>25</td>
</tr>
<tr>
<td>Assurity Life</td>
<td>$5.50</td>
<td>1-25</td>
<td>18-55</td>
<td>15 days -18 yrs</td>
<td>N/A</td>
<td>25</td>
</tr>
<tr>
<td>Banner Life</td>
<td>$5.50</td>
<td>5 or 10</td>
<td>20-55</td>
<td>15 days -18 yrs</td>
<td>65</td>
<td>25</td>
</tr>
<tr>
<td>Lincoln National</td>
<td>$6.00</td>
<td>1-15</td>
<td>20-55</td>
<td>15 days -18 yrs</td>
<td>65</td>
<td>23</td>
</tr>
<tr>
<td>North American Co for Life and Health</td>
<td>$6.00</td>
<td>5-25</td>
<td>18-55</td>
<td>15 days -20 yrs</td>
<td>65</td>
<td>23</td>
</tr>
<tr>
<td>Pacific Life</td>
<td>$5.50</td>
<td>1-10</td>
<td>18-55</td>
<td>15 days -18 yrs</td>
<td>65</td>
<td>25</td>
</tr>
<tr>
<td>Protective Life Ins Co</td>
<td>$5.40</td>
<td>1-20</td>
<td>18-64</td>
<td>15 days -18 yrs</td>
<td>65</td>
<td>25</td>
</tr>
<tr>
<td>Prudential</td>
<td>$5.15</td>
<td>10-20</td>
<td>18-55</td>
<td>14 days -18 yrs</td>
<td>75</td>
<td>25</td>
</tr>
<tr>
<td>Transamerica Life</td>
<td>$5.83</td>
<td>1-20</td>
<td>18-55</td>
<td>15 days -18 yrs</td>
<td>65</td>
<td>25</td>
</tr>
<tr>
<td>SBLI</td>
<td>$6.00</td>
<td>10-25</td>
<td>18-64</td>
<td>15 days -22.5 yrs</td>
<td>65</td>
<td>25</td>
</tr>
<tr>
<td>Mutual of Omaha</td>
<td>$7.20</td>
<td>1-10</td>
<td>18-55</td>
<td>15 days &#8211; 20 yrs</td>
<td>65</td>
<td>23</td>
</tr>
</tbody>
</table>
<p>&nbsp;</p>
<p>* Unit= $1,000</p>
<p>These rates are an indication of cost and are subject to change.</p>
<p>Last Update 8/23/2017</p>
<p>* Arkansas expires at age 23.</p>
<h3>Call us with any questions you may have.</h3>

Term Life Insurance: Child Riders

<p>&nbsp;</p>
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Recommended Providers

<ul>
<li><a style="text-decoration: none;" href="/business-insurance/employee-benefits">Employee Benefits</a></li>
<li><a style="text-decoration: none;" href="/business-insurance">Business Insurance</a></li>
<li><a style="text-decoration: none;" href="/business-insurance/property-and-casualty/workers-compensation">Worker&#8217;s Compensation</a></li>
<li><a style="text-decoration: none;" href="/other-insurance/long-term-care-insurance">Long Term Care</a></li>
</ul>


Other Services

<h2>Check Reporting Agencies</h2>
<p>A Check Reporting Agency reports on consumer’s check writing histories, specifically highlighting incidents of fraud and bounced checks. Lending institutions use these reports to determine whether or not to open checking accounts for individuals.</p>
<h2>Check Washing</h2>
<p>Check washing is another method identity thieves use to steal from you. They dip your check in acetone, which washes the ink off so they can write it for a higher amount.</p>
<h2>Credit Reporting Agency (CRA)</h2>
<p>There are three major credit reporting agencies: Experian, Equifax and TransUnion. They keep track of your credit records, and issue credit reports to those who have a legitimate reason for needing to know your credit history.</p>
<h2>Data Breach</h2>
<p>Occurs when there is unauthorized access to company data including personal and financial information such as Names, Addresses, Social Security Numbers, Bank Account Numbers, Employer information, Medical Insurance and Credit Card Numbers.</p>
<h2>Dumpster Diving</h2>
<p>Dumpster diving is another method identity thieves use to obtain your personal information. They go through garbage bins for people’s personal information. That’s why it’s very important to always shred your important documents before throwing them out.</p>
<h2>Fair Credit Reporting Act (FCRA)</h2>
<p>The FCRA is a U. S. federal law that gives everyone the right to see what the CRA’s have on file in their credit report. It also outlines permissible purposes for obtaining a periodic free copy of a credit report. And if there are inaccuracies found, they have the right to dispute them.</p>
<h2>Fraud Alert</h2>
<p>A fraud alert can be put on your credit report at the CRA’s if and when you become an identity theft victim. It’s intention is to let everyone know that someone may be trying to obtain new credit in your name, so the process will be very closely scrutinized. In practice, however, this safeguard accomplishes very little as it is often ignored or missed.</p>
<h2>Identity Fraud</h2>
<p>Identity fraud differs from identity theft in that the thief uses personal information that he’s made up, rather than information he’s stolen from a real person.</p>
<h2>Identity Theft</h2>
<p><a href="https://www.zanderins.com/identity-theft-protection">Identity theft</a>, one of the worst crimes in the world, occurs when a thief uses someone else’s personal information as his own, thereby creating a new identity of an existing person. The new identity then applies for any form of credit he can get. The most common things an identity thief steals are: your name and address, your Social Security (Insurance) Number, your driver’s license number, your employee ID number, your mother’s maiden name, and any account information, including bank accounts and credit accounts.</p>
<h2>Identity Theft Passport</h2>
<p>Identity Theft Passport programs, are available in a few states such as Ohio and Virginia. The “Passport” is a method of demonstrating to law enforcement and creditors that their identity has been stolen, and of rehabilitating their credit history and identifying any fraudulent criminal charges.</p>
<h2>Mail Fraud</h2>
<p>Mail fraud is a method identity thieves use to obtain your personal information. They steal your mail, which may include pre-approved credit card applications or any other information that will help them get credit in your name.</p>
<h2>Notification Letter</h2>
<p>A notification to an individual that has been affected by a data breach.</p>
<h2>Opt-out</h2>
<p>When you opt-out, you notify a financial institution, insurance company, CRA, or any other company that sells your personal information, that you don’t want your information shared. This is your right, and it protects you from unwanted junk mail and phone calls, not to mention identity theft.</p>
<h2>Phishing</h2>
<p>The act of tricking someone into giving them confidential information or tricking them into doing something that they normally wouldn’t do or shouldn’t do. For example: sending an e-mail to a user falsely claiming to be an established legitimate enterprise in an attempt to scam the user into surrendering private information that will be used for identity theft.</p>
<h2>Red Flags Rule</h2>
<p>A law the FTC will begin to enforce in August of 2009 requires certain businesses and organizations including doctors offices, hospitals, finance companies, auto dealers, mortgage brokers, utilities, telecommunication companies, etc to develop a written program to spot the warning signs of identity theft.</p>
<h2>Shoulder Surfing</h2>
<p>Shoulder surfing is the name given to the procedure that identity thieves use to find out your PIN. They either hang around close to the ATM, or wherever you may be entering your PIN, or they can even watch from a distance, using binoculars. Once they have your PIN, you’re in trouble.</p>
<h2>Skimming</h2>
<p>Skimming is another method identity thieves use to get your personal information. It’s usually done by an employee of a restaurant, a gas station, or any other place where you swipe your card. They have little swiping tools of their own, which they use to quickly swipe your card. A good way to prevent skimming is to always swipe your own card.</p>
<h2>Tweaker</h2>
<p>Street term used to describe meth-amphetamine addicts. These addicts often form ID Theft rings to finance their illegal drug habits. Tweakers are drawn to ID Theft because of its relatively low conviction rate and because of the hours they can spend falsifying documents while “on a tweak”.</p>


Identity Theft: Terms You Should Know

<p><a href="https://www.zanderins.com/identity-theft-protection">Identity theft</a> is the fastest-growing crime in the United States. While the increase in awareness of the issue helped lower the number of incidents from 2017 to 2018, the amount stolen during these incidents continues to grow. This is due to the rise in higher-impact fraud types such as new account fraud, account takeover, and misuse of non-card accounts.</p>
<p><a href="/identity-theft-protection"><img decoding="async" loading="lazy" class="aligncenter wp-image-1021 " style="padding: 2rem;" src="https://static.zanderins.com/wp-content/uploads/2018/11/29140921/2018HighlightsInfographic4.0.png" alt="2018 Identity Theft Statistics Zander Insurance" width="800" height="2050" srcset="https://static.zanderins.com/wp-content/uploads/2018/11/29140921/2018HighlightsInfographic4.0.png 800w, https://static.zanderins.com/wp-content/uploads/2018/11/29140921/2018HighlightsInfographic4.0-117x300.png 117w, https://static.zanderins.com/wp-content/uploads/2018/11/29140921/2018HighlightsInfographic4.0-768x1968.png 768w, https://static.zanderins.com/wp-content/uploads/2018/11/29140921/2018HighlightsInfographic4.0-400x1024.png 400w" sizes="(max-width: 800px) 100vw, 800px" /></a></p>
<p><strong>Most Common Types of Identity Theft:</strong></p>
<ol>
<li>Credit Card Fraud</li>
<li>Other Identity Theft</li>
<li>Employment or Tax-Related Fraud</li>
<li>Phone or Utilities Fraud</li>
<li>Bank Fraud</li>
<li>Loan or Lease Fraud</li>
<li>Government Documents or Benefits Fraud</li>
</ol>
<p><strong>Common Targets:</strong></p>
<ul>
<li>Mortgages</li>
<li>Student Loans</li>
<li>Car Loans</li>
<li>Credit Cards</li>
</ul>
<p><em>Based on the 2019 Identity Fraud Study by Javelin Strategy and the 2018 Consumer Sentinel Network Data Book by the Federal Trade Commission.</em></p>


Identity Theft Statistics

<div id="content_bottom">
<h2>Identity Theft: Helpful Links</h2>
<p class="blue">Noted below are a few links to free consumer services that may prove beneficial in your efforts to combat your identity being stolen. Please note that while placing a fraud alert, freezing your credit, and checking your credit report are all valuable tools in reducing your risk, ID theft is not a preventable crime and none of these efforts will completely eliminate the possibility of you becoming a victim. However, when used in conjunction with an <a href="https://www.zanderins.com/identity-theft-protection">ID theft protection plan</a> from Zander Identity Theft Solutions, these proactive measures will ensure that you are well protected if you do become a victim.</p>
<h2>Annual Credit Report.com</h2>
<p><a href="https://www.annualcreditreport.com" target="_blank" rel="noopener noreferrer">https://www.annualcreditreport.com</a> or call <a href="tel:+18773228228">877-322-8228</a><br />
This site allows you to request your free consumer credit report once a year from each of the nationwide consumer credit reporting agencies: Equifax, Experian, and TransUnion. We strongly recommend a self-monitoring method of accessing your free credit reports throughout the year. However, since not all lenders access credit bureau reports prior to extending credit, and identity theft involves much more than just credit-related fraud (i.e. employment, medical, criminal, benefit, and Social Security fraud), monitoring your credit report has significant limitations and is not an effective tool by itself. Remember that your spouse is eligible for the same free consumer services and checking both of your reports, if applicable, is highly recommended. In addition, please be aware that access to your credit report is free and that none of the additional services offered at <a href="https://www.annualcreditreport.com" target="_blank" rel="noopener noreferrer">https://www.annualcreditreport.com</a> or the credit bureau sites are necessary to retrieve your free report.</p>
<h2>Fraud Alert</h2>
<p>You can add a fraud alert to your credit report for up to one year under new legislation to help protect your credit information. A fraud alert can make it tougher for a thief to open accounts in your name. When a fraud alert is present on your report, creditors are supposed to verify your identity before extending credit, usually with a phone call. There are many lenders such as “Quick Cash” outlets and other vendors that do not use credit reports prior to their lending activity so fraud alerts can be of limited value but are certainly worth considering. Fraud alerts can be placed online, or you can call the credit bureau directly – directions for each method are below, and Experian will even notify the other two credit bureaus on your behalf.<br />
<b>Online: </b><a href="https://www.experian.com" target="_blank" rel="noopener noreferrer">https://www.experian.com</a>. At the bottom of the page, click on Fraud Alert. You will be given the option to add a temporary, one-year fraud alert &#8211; simply complete the form and verify your identity. You will also be provided access to your credit report. We recommend you print it and review it carefully. The other two credit bureaus will automatically be notified on your behalf.<br />
<b>Phone:</b> Call Equifax at <a href="tel:+18887660008">1-888-766-0008</a>. Follow the instructions to place your fraud alert. They will also notify the other two credit bureaus on your behalf.</p>
<h2>Credit Freeze</h2>
<p>A credit freeze offers the opportunity to lock down your credit, stopping a thief from using your information to open a new credit account. This can be an effective tool for those who do not utilize credit (or do so infrequently) in their lifestyle, but could create a delay and frequent inconveniences if access to your credit report is needed for things like renting an apartment, buying a home, cell phone and utility review or applying for a credit (a Dave Ramsey no-no). There no longer fees associated with freezing and “thawing” your credit file and these activities can be conducted online in most cases.<br />
It’s important to note that a credit freeze only prevents new accounts from being opened; credit card companies and banks where you have existing accounts can still check your credit report, and businesses that do not seek credit reports before extending credit would not be included.</p>
<h3><b>Experian Freeze </b></h3>
<p>Online: <a href="https://www.experian.com/ncaconline/freeze" target="_blank" rel="noopener noreferrer"><b>https://www.experian.com/ncaconline/freeze</b></a><br />
By Phone: <a href="tel:+18883973742">888-397-3742</a><br />
By Mail: Experian Security Freeze, P.O. Box 9554, Allen, TX 75013</p>
<h3><b>TransUnion Freeze</b></h3>
<p>Online: <a href="https://www.transunion.com/credit-freeze" target="_blank" rel="noopener noreferrer"><b>https://www.transunion.com/credit-freeze</b></a><br />
By Phone: <a href="tel:+18889098872">888-909-8872</a><br />
By Mail: Trans Union, LLC, P.O. Box 2000, Chester, PA 19106</p>
<h3><b>Equifax Freeze</b></h3>
<p>Online: <a href="https://www.equifax.com/personal/credit-report-services/credit-freeze/" target="_blank" rel="noopener noreferrer"><strong>https://www.equifax.com/personal/credit-report-services/credit-freeze/</strong></a><br />
By Phone: No phone access<br />
By Mail: Equifax Security Freeze, P.O. Box 105788, Atlanta, GA 30348</p>
<h2>Child Identity Theft Inquiry</h2>
<p>Children are a target for identity theft because the theft of a child&#8217;s identity could go undetected for years. Identity theft could affect your child&#8217;s future credit and employment history if thieves obtain credit accounts &#8211; or even get jobs &#8211; using your child&#8217;s identity.<br />
TransUnion now provides a secure online form that you can complete and submit to find out if your child has a credit file. Once you submit the form you will receive an email reply within 24 hours letting you know if there is a credit file with your child&#8217;s Social Security number.</p>
<h2>OptOutPreScreen.com</h2>
<p><a href="https://www.optoutprescreen.com/?rf=t" target="_blank" rel="noopener noreferrer">https://www.optoutprescreen.com</a></p>
<p>OptOutPrescreen.com lets you Opt out of receiving pre-approved, unsolicited credit and insurance offers in the mail. You are given the choice of opting out for five years or you can opt out of firm offers permanently. With just a quick look in your mailbox, identity thieves can locate enough information from offers of credit to open a new account with your name and information. Using this free service reduces the volume of mail that you receive, diminishing the probability of becoming a victim of fraud.</p>
<h2>National Do Not Call Registry</h2>
<p><a href="https://www.donotcall.gov" target="_blank" rel="noopener noreferrer">https://www.donotcall.gov</a></p>
<p>By signing up for the Do Not Call registry, you will drastically reduce the number of annoying telemarketing calls you receive, which will ultimately reducing your risk of being scammed. The FTC requires all telemarketing firms to check the list every three months. Telemarketing firms are required to clean their telemarketing leads from all registrants of the do not call list. Since the FBI cites telemarketing fraud as one of the most common sources of identity theft, this free service is highly recommended.</p>
<h2>Federal Trade Commission (FTC)</h2>
<p><a href="https://www.ftc.gov" target="_blank" rel="noopener noreferrer">https://www.ftc.gov</a></p>
<p>This website is a one-stop national resource to help you deter, detect, and defend against identity theft. On this site, consumers can learn how to avoid identity theft, and learn what to do if their identity is stolen.</p>
</div>


Helpful Identity Theft Resources

<div class="forbesHeaderText">
<p class="heading">Identity Theft Protection Products:<br />
Wise Investment or Waste of Money?</p>
<p class="bottom">by Nick Clements, Contributor</p>
</div>
<div class="forbesContent">
<table>
<tbody>
<tr>
<td class="left">
<div>
<p><img decoding="async" src="https://s3.amazonaws.com/emailmarketing-images/images/forbespage-nick.jpg" /></p>
<p class="name">Nick Clements</p>
<p class="contributor">Contributor</p>
<p class="provab">I focus on cutting debt, building savings, and banks behaving badly</p>
</div>
</td>
<td>
<p class="FreeMonitoring">Free Monitoring, But Help With Resolution</p>
<p class="excerpt">excerpt from full article</p>
<p>If you are comfortable using CreditKarma for monitoring, but want help with the painful resolution process, consider Zander.</p>
<p>Yes, this is the same Zander that Dave Ramsey regularly recommends. Zander has created a product that only costs $6.75 a month, or $75 a year if you pay all at once. Zander focuses on offering recovery services.</p>
<p>In the event that your identity is stolen, you will be assigned a case worker who will manage your process from beginning to end. I spoke with a customer service representative, and he told me that cases have ranged from a few months to a few years, if litigation is required.</p>
<p>Zander also offers a $1 million insurance policy. Using CreditKarma for daily monitoring and Zander for resolution and insurance is a cost effective strategy.</p>
<p>After doing this research, I am going to buy a Zander membership for my mother.</td>
</tr>
</tbody>
</table>
</div>


Zander IDT As Seen in Forbes

Identity Fraud Financial Reimbursements

<ol>
<li><strong>What do the words deductible, coinsurance, and out-of-pocket maximum mean?</strong><u>Deductible:</u>  The amount you must pay each year – with your own money – before your <a href="https://www.zanderins.com/other-insurance/health-insurance/quotes">health insurance</a> plan begins paying benefits.<br />
<u>Coinsurance: </u> The percentage of care costs you are responsible for paying – usually after you have paid your plan’s deductible.<br />
<u>Out-of-Pocket Maximum:</u>  The most you will pay out of your own pocket for health care expenses in a year.&nbsp;</li>
<li><strong>What is a High Deductible Health Plan (HDHP)?</strong>This is a health insurance plan that typically has no copays and a somewhat higher deductible as defined by the IRS. This, along with other qualifications, determine if the plan can be paired with a Health Savings Account (HSA).</li>
<li><strong>What is a Health Savings Account (HSA)?</strong>An HSA is a special bank account that you own that allows you to use pre-tax dollars to pay for qualified health care expenses. You put dollars in pre-tax, earnings grow tax free, and you can spend them tax free on qualified health care expenses. In most cases you must also be enrolled in a qualifying High Deductible Health Plan to take advantage of an HSA</li>
<li><strong>What is the Affordable Care Act (ACA) tax penalty for not having individual health insurance coverage?</strong>As of January 1, 2019 the ACA Tax penalty for the individual mandate was taken to $0.</li>
<li><strong>Does the Affordable Care Act still require large employers to offer health insurance to employees?</strong>Even though the individual tax penalty is eliminated, all of the other ACA regulations still apply to employer groups. Larger employers with 50 or more full time equivalent employees can face substantial financial penalties if they are not in compliance.</li>
<li><strong>How many employees does an employer have to have to qualify for group coverage?</strong>Group qualifications can vary by state and by insurance carrier. Often the minimum size is just two full-time employees enrolled, with at least one of those being a W-2 type employee.</li>
<li><strong>Can group health insurance cost be deducted on a pre-tax basis from employee pay?</strong>In most cases it can, which is a great financial advantage to employees and the employer. The proper documents, often referred to as a Premium Conversion or POP Plan, have to be established to allow pre-tax deductions.</li>
<li><strong>What should I look for when choosing a broker/advisor to work with on my group’s employee benefits package?</strong>Finding a broker that is experienced and knowledgeable can be key to the success of an employee benefits program. Look for a broker that will help you map out both short and long-term strategies that keep your benefits affordable and competitive. Your benefits broker should provide expert assistance with cost control, compliance, communication, customer service, and more.</li>
<li><strong>Where can I get individual health insurance?</strong>For individual coverage many states use the federally run Marketplace at <a href="https://healthcare.gov" target="_blank" rel="noopener noreferrer">https://healthcare.gov</a>. Some states operate their own exchange for individual plans. Depending on your age and circumstances other options may include Medicaid, Medicare, or short term coverage.</li>
<li><strong>When is the open enrollment period for individual health coverage on the Marketplace?</strong>For the federal marketplace the open enrollment period typically runs from November 1 through December 15, but this can vary from year to year. You may also be granted a Special Enrollment Period during the year if you have a Qualifying Life Event.</li>
</ol>


Health Insurance FAQs

<p class="p1">AssurityBalance® Century+ Disability Income Insurance policy will help protect your greatest asset &#8211; your income. In the event of disability, you will need an alternative source of income and your AssurityBalance® policy will be there. You will receive a monthly benefit for the time you are totally disabled within the policy benefit period. You select the monthly benefit amount and the benefit period that is right for you &#8211; a policy customized to your personal needs. Coverage requested is subject to eligibility requirements and includes the following:</p>
<ul>
<li>Monthly Benefit amounts from $500 up to approximately 60% of your pre-tax monthly income</li>
<li><a href="https://assuritydi2.assurity.com/ZanderV3/Disability%20Education.html#BenefitPeriod" target="_blank" rel="noopener noreferrer">Benefit Periods</a> of 2 years, 5 years, 10 years, or To Age 65</li>
<li><a href="https://assuritydi2.assurity.com/ZanderV3/Disability%20Education.html#EliminationPeriod" target="_blank" rel="noopener noreferrer">Elimination Periods</a> of 90 days or 180 days</li>
</ul>
<p class="p1">Other policy features include:</p>
<ul>
<li><a href="https://assuritydi2.assurity.com/ZanderV3/Disability%20Education.html#GuaranteedRenewable" target="_blank" rel="noopener noreferrer">Guaranteed Renewable</a></li>
<li><a href="https://assuritydi2.assurity.com/ZanderV3/Disability%20Education.html#OwnOccupation" target="_blank" rel="noopener noreferrer">&#8220;Own Occupation&#8221; Definition of Total Disability</a> for the first 2 years</li>
<li><a href="https://assuritydi2.assurity.com/ZanderV3/Disability%20Education.html#AnyOccupation" target="_blank" rel="noopener noreferrer">&#8220;Any Gainful Occupation&#8221; Definition of Total Disability</a>beyond the first 2 years (applicable for 5-year, 10-year and To Age 65 benefit periods)</li>
<li><a href="https://assuritydi2.assurity.com/ZanderV3/Disability%20Education.html#PartialDisability" target="_blank" rel="noopener noreferrer">Partial Disability Benefits</a></li>
<li><a href="https://assuritydi2.assurity.com/ZanderV3/Disability%20Education.html#SurvivorBenefit" target="_blank" rel="noopener noreferrer">Survivor Benefit</a></li>
<li><a href="https://assuritydi2.assurity.com/ZanderV3/Disability%20Education.html#WaiverOfPremium" target="_blank" rel="noopener noreferrer">Waiver of Premium</a></li>
</ul>
<p class="p1">The AssurityBalance® Century+ Disability Income Insurance policy was designed to balance your need for income protection for tomorrow at a premium you can pay for today. The policy blends key elements of the most important disability coverages to maximize the protection provided while maintaining affordability for today&#8217;s tight family budgets. When considering the statistics,</p>
<ul>
<li>An illness or accident will keep one in five workers out of work for at least a year before the age of 65. (Life and Health Insurance Foundation for Education, November 2005)</li>
<li>The average long-term disability absence lasts 2 ½ years. (Commissioner&#8217;s Individual Disability Table A, 2008)</li>
<li>Medical bills were a factor in more than 60% of bankruptcies in 2007. Almost 80% of people who filed for bankruptcy in 2007 had health insurance coverage. (Robert Wood Johnson Foundation, Reuters/Boston Globe et al. June, 2009)</li>
<li>At age 30, the chances of a long term disability are 4 ½ times greater than the chances of death. (JHA Disability Fact Book 2004)</li>
</ul>
<p class="p1">The need for thorough and <a href="https://www.zanderins.com/disability-insurance/instant-quotes">affordable disability income protection</a> is crucial. The AssurityBalance® policy, along with a properly funded emergency fund, can help assure that your family&#8217;s lifestyle is not vulnerable and can continue through a period of disability and income loss.</p>
<p class="p1">Take the time; do the research. The AssurityBalance® Century+ Disability Income Insurance policy represents an excellent value for you and your family&#8217;s disability needs.</p>
<p class="p1">For more information on product features, please contact us toll free at <a href="tel:1-800-356-4282">(800) 356-4282</a></p>
<p>or by email at <a href="mailto:info@zanderins.com">info@zanderins.com</a>.</p>


Disability Product Information

<h2>Guaranteed Renewable</h2>
<p class="p1">A feature that allows you to renew the policy to age 65. As long as premiums are paid when due, Assurity will not cancel or change your policy. Premiums can only be changed for all insured persons in the same class if approved by the<br />
state insurance department in your state.</p>
<h2>Benefit Period</h2>
<p class="p1">The maximum period of time that monthly benefits are payable to you for a given total disability.</p>
<h2>Elimination Period</h2>
<p class="p1">The number of consecutive days that you must be totally disabled before the monthly benefit amount becomes payable.</p>
<h2>Occupation Class</h2>
<p class="p1">Indicates your job classification by level of risk, ranging from 1A, being the most hazardous, to 4A, being the safest. A designation of NE would mean you are not eligible for coverage. If uncertain, consult with an agent representative from Zander Insurance to determine your current occupational class.</p>
<h2>Non-integrated Base Coverage</h2>
<p class="p1">The part of your disability income insurance policy that pays you a monthly benefit as defined in the policy regardless of social insurance benefits you receive.</p>
<h2>Social Insurance Rider</h2>
<p class="p1">The part of your disability income insurance policy that pays you a monthly benefit as defined in the policy reduced by any social insurance benefits you receive such as Social Security and Worker&#8217;s Compensation. This rider is utilized since<br />
eligibility for many social insurance programs are limited due to restrictive definitions of disability and lengthy waiting periods. For example &#8211; some social insurance programs require that your disability must prevent you from being able to<br />
perform any substantial or gainful work and must be expected to last for at least twelve months or result in death. If you qualify for Social Security or another social insurance program, then your benefit from this rider is reduced by an amount equal to the social benefit you receive. However, if you do not qualify for any social insurance, the rider keeps paying the full benefit. This rider helps assure your income replacement is maintained at the benefit level you selected while reducing the overall premium cost. It&#8217;s a win-win situation &#8211; with the social insurance rider you receive benefits while you pay less.</p>
<h2>Partial Disability</h2>
<p class="p1">A sickness or injury that keeps you from being employed on a full-time basis. According to the policy, 50% of the monthly benefit will be paid for each month of a partial disability from your injury or sickness for up to six months, if following a period of compensable total disability. The combined period of total and partial monthly benefit payments cannot extend beyond the policy&#8217;s benefit period.</p>
<h2>&#8220;Own Occupation&#8221; Definition of Total Disability</h2>
<p class="p1">If you are unable to perform the important, substantial and material duties of your own occupation due to accident or sickness and require a physician&#8217;s care. This definition is applicable during the first two years of disability after the<br />
elimination period has been satisfied.</p>
<h2>&#8220;Any Gainful Occupation&#8221; Definition of Total Disability</h2>
<p class="p1">If you are unable to perform the substantial and material duties of any gainful occupation, require a physician&#8217;s care and are not engaged in any job for wage or profit. “Any gainful occupation” is an occupation which fits you by education, training and experience and replaces 60% or more of your previous income. This definition is used after benefits have been paid for two years, applicable only if the insured person has selected a benefit period of five years, ten years or to age 65.</p>
<h2>Waiver of Premium</h2>
<p class="p1">A provision in the policy that waives premiums following 90 days of total disability, or following the elimination period, if shorter. If a period of total disability extends beyond the elimination period and benefits become payable, premiums paid during the elimination period will be refunded. Waiver of premium stops when your total disability ends or at the end of the benefit period, whichever is first.</p>
<h2>Survivor Benefit</h2>
<p class="p1">A benefit available at no additional cost that pays a lump sum benefit to a named beneficiary in the event that you have been receiving monthly benefits for at least 12 months and then die. The lump sum death benefit is six times the monthly benefit.</p>
<p class="p1">* These descriptions are intended to be accurate representations of features found in disability insurance policies but are not meant to represent specific provisions for any policy described on this site.<br />
For more information on product features, please contact us toll free at <a href="tel:1-800-356-4282">(800) 356-4282</a> or by email at <a href="mailto:info@zanderins.com">info@zanderins.com</a>.</p>


Disability Education

<p class="p1">We often get the question, “Do I really need renter’s insurance?” And Dave’s answer will always be Yes, unless you have the financial means to replace all of your personal items – including your television, furniture, clothing and more – in the event of a major catastrophic loss. If not, then you’re strongly advised to carry renter’s insurance. Without it, you could be stuck scrambling to replace personal items if something were to happen to the home or apartment you’re renting. Even if you <i>do</i> have the funds to replace items in the event of a fire, burglary or other catastrophic event, renter’s insurance is an affordable option to protect yourself. Before you purchase a renter’s insurance policy, take some time to understand how it works and the benefits of renter’s insurance.</p>
<p class="p1">Renter’s policies are very similar to the coverage you might expect from a <a href="https://www.zanderins.com/other-insurance/home-insurance">homeowner’s policy</a>, with the biggest difference being building coverage. Renter’s policies cover the same exposures as a homeowner’s policy, including fire, lightning, theft, windstorms and other catastrophic events. To determine the appropriate amount of coverage for your renter’s policy, you will need to place a value on the cost of replacing all your personal items. It’s generally a good idea to pad these numbers a little bit, since your policy pays to replace up to the limit you purchase. Costly items like jewelry, firearms and art require a separate schedule to protect these items. Once you’ve determined the right amount of coverage based on your personal items, don’t forget to opt in for Personal Liability Protection. Personal Liability Protection covers you for bodily injury or property damage caused by a third party at your rental home or apartment. This is an important add-on to renter’s insurance, as it protects your personal assets from lawsuits that could arise from the rental of the property.</p>


Do We Need Renters Insurance?

<p class="p1">When shopping for <a href="https://www.zanderins.com/other-insurance/home-insurance">home</a> or <a href="https://www.zanderins.com/other-insurance/auto-insurance">auto insurance</a>, you’ll likely be offered an umbrella policy, a policy that provides additional coverage beyond your basic policy. Your personal net worth and assets should determine your need for an umbrella policy, because the more net worth and assets you have, the greater risk you carry. In these cases, an umbrella policy can provide you added protection and is considered a worthy investment.</p>
<p class="p1">Once you determine your need for an umbrella policy, you’ll decide what level of coverage makes the most sense for you. The value of your home, and even your profession, can help determine the coverage of your umbrella policy. For example, if you’re a physician, a higher umbrella policy would be recommended because lawsuits filed against physicians tend to be at higher amounts. When determining the right amount for your umbrella policy, keep in mind the cost for additional layers beyond the first million are less expensive, making higher limits a better value. Unless you’ve accumulated significant wealth, a limit within $1-3 million would be an adequate amount of coverage. Depending on your personal financial situation, a lower limit may make more sense. Zander Insurance can help you determine the right umbrella policy for your needs and your budget.</p>


Are Umbrella Policies Necessary?

<p class="p1">When purchasing <a href="https://www.zanderins.com/other-insurance/home-insurance">homeowners insurance</a>, you’ll need to determine the value of your home. This can be tricky, but it’s one of the most important components of your policy, because it determines the amount your insurer will pay if your home is damaged or destroyed. Insurance providers rely on the homeowners to value their home, leaving people at risk for having too little insurance. Follow these tips to get the right amount of coverage for your home.</p>
<p class="p1">It’s important to keep in mind that the replacement cost of your home and the appraised/market value are not the same thing. The market value of your home is dependent upon what similar houses in your market are selling for; whereas the replacement cost to insure a home is based on the cost to rebuild a home. In today’s economy, the market value for homes is going down, and due to inflation and building costs, the replacement cost to insure a home is rising. To determine the appropriate replacement cost, you’ll want to look at the building costs per sq. ft in your area as well as the specialty features of your home.</p>
<p class="p1">Another important determinant to keep in mind is whether your insurer offers guaranteed replacement cost. If they don’t, and you’re underinsured, this could mean you’re left to shoulder the bill if something were to happen to your home. That’s why Dave Ramsey strongly recommends either a guaranteed replacement cost or extended replacement cost on your policy. Determining the appropriate value for your home can be tricky, but obtaining the right coverage based on the value of your home is an important step in protecting your home.</p>


At What Value Do I Insure My Home?

<p class="p1">The Own Occupation rider on a <a href="https://www.zanderins.com/disability-insurance/instant-quotes">disability policy</a> covers you if you are unable to perform the majority of the occupational duties that you have been trained to perform. This means you would receive disability benefits if you couldn’t work in your “own occupation” even if you were able to gain employment in another field. The Own Occupation rider is a nice benefit to have, but it’s not entirely necessary depending on your career and financial situation. If you work in a non-specialty field, don’t make the mistake of overpaying for this benefit. In most cases, there are very few disabilities that would leave you unable to perform the core duties of your occupation.</p>
<p class="p1">Zander Insurance offers the Own Occupation rider as an optional benefit in our disability plans. Dave Ramsey only recommends purchasing this benefit if you have enough room in your budget for the specialized coverage. If you’re still working to pay off debt or haven’t established an emergency fund, skip the Own Occupation rider and focus on reducing your debt and building wealth. Focus on these “must do” steps to secure financial stability and worry about the “nice to have” things later down the road.</p>


What is the Own Occupation Rider on a Disability Policy and Do I Need It?

<p class="p1">If your vehicle is on its last leg – or wheel – you may be wondering, “Do I really need to purchase comprehensive and collision insurance, or will liability insurance provide enough coverage?” While it may be tempting to drop the coverage without much thought, keep in mind that the greatest risk to your personal assets is usually operating a vehicle. How much are you saving by opting for liability insurance by itself? If the cost savings aren’t significant, and you don’t have enough savings to replace your vehicle if it was stolen, totaled or damaged then comprehensive and collision insurance is worth carrying.</p>
<p class="p1">Don’t leave yourself, and your income, at risk by failing to obtain the proper coverage. Zander Insurance can help you determine what type of coverage you need. Learn more about our auto and home offerings today.</p>


Should I Carry Comprehensive and Collision on my Older Vehicle?

<p class="p1">Congratulations! You’ve found the perfect property, and you’re well on your way to becoming a homeowner. Shopping for <a href="https://www.zanderins.com/other-insurance/home-insurance">homeowner’s insurance</a> doesn’t need to be a hassle, but when you go from company to company looking for the best rate, it can be frustrating and time consuming and leave you thinking, “Why can’t I just deal with one person whose sole interest is finding me the best rate possible?”</p>
<p class="p1">Zander Insurance – and other independent agencies across the country – represent numerous insurance providers and can help you shop around for the best coverage, at the best cost for you. Agents who work for companies like State Farm, Allstate, Farmers, Nationwide are called direct writers, and because they only represent one company, they’re limited in the pricing and coverage they offer. You can find a local independent insurance agency by checking with the Independent Insurance Agents association in your state or through a quick Google search.</p>


How Do I Find the Best Rates on Home Insurance?

<p class="p1">Whether you’re looking to cover your new teen driver or shopping around for a better <a href="https://www.zanderins.com/other-insurance/auto-insurance">auto insurance rate</a>, finding the best and most cost-efficient coverage can be time consuming. Providing your information every time you want to compare a rate is tedious, and you feel like your options are limited, but you don’t have the time to compare each insurance company’s cost.</p>
<p class="p1">By working with an Independent Insurance Agent – like Zander Insurance – you can shop around with numerous companies to find the right car insurance coverage at the right cost, with no hassle. Direct writers, like State Farm and Allstate, only represent one company and don’t have the ability to provide a wide range of pricing and coverage options. Independent Insurance Agencies work with numerous insurance providers and can help you find the best option for your unique needs. You can find a local independent insurance agent by checking with the Independent Insurance Agents association in your state or through a quick Google search. Next time you’re looking for a great rate on coverage keep your local independent agent in mind.</p>


How Do I Find the Best Rates on Auto Insurance?

<p class="p1">Liability coverage is an important part of your <a href="https://www.zanderins.com/other-insurance/auto-insurance">auto insurance</a> policy as it helps cover bodily injury and property damage should you be found responsible for an accident. Having the right amount of liability coverage helps to protect your personal finances in the event you are responsible for an accident.</p>
<p class="p1">Dave Ramsey typically recommends a minimum of $100,000 of protection for each person on your policy. You may be thinking, “That seems high, why don’t I just get the minimum amount required and save a few dollars upfront?” Most states require you to have liability coverage, but the amount required is typically much less than what’s recommended and costs around the same amount. Opting for more coverage at a slightly higher cost will save you money in the long run should you ever be found responsible for an accident. Imagine that you’re found responsible for an accident where two people are injured, and their medical costs end up being around $50,000 each. In this case, you’d be covered.</p>
<p class="p1">Dave also recommends choosing a higher deductible on your comprehensive and collision coverage for an added layer of protection. If your personal finances allow, consider carrying an amount of liability coverage equal to or greater than the value of your home.</p>


What Auto Insurance Liability Limit Should I Carry?

<p class="p1">The primary function of a credit freeze is to stop any access to your credit report, and they can be a very valuable tool to help protect you from <a href="https://www.zanderins.com/identity-theft-protection">identity theft</a>.<span class="Apple-converted-space">  </span>However, while they might seem like an ideal (even easy) way to combat identity theft as a stand-alone defense, many people overlook several factors regarding their effectiveness and convenience.</p>
<p>First, your credit is accessed more often than you think. If you place a freeze on your credit report, then every time you sign up for utilities, activate new cell phone service, or apply for insurance, you would have to “unfreeze” your credit, which could take up to 48 hours.??Then you have to go through the trouble of placing the freeze again after each transaction.??It’s not exactly a convenient process.</p>
<p>Additionally, the risk of identity theft goes far beyond your credit – in fact, only about 21% of ID theft is credit-related.??Thieves are finding new ways to exploit your information in unique and terrifying ways, like medical ID theft, home title fraud, employment fraud, utilities fraud, Social Security Fraud, and more. None of these types of fraud are credit related, and would therefore not be thwarted by a credit freeze.</p>
<p>That’s why Dave Ramsey recommends Zander ID Theft Solutions even if you place a freeze on your credit.??Because Zander covers all types of identity theft, as well as acts of crime committed in your name, our plan is the most comprehensive in the industry. Not only does our program take over the work to make sure your identity is restored to its pre-theft status, it’s also the most affordable plan on the market.???For these reasons and more, we’ve earned Dave’s trust and his business – our plan is the only one he uses for his family and his team!</p>
<p>Learn more about Zander’s ID Theft program by giving us a call at <a href="tel:1-800-356-4282">800-356-4282</a>.</p>


Why Freezing Your Credit Won’t Stop Identity Theft

<p class="p1">Living in a world where every two seconds someone falls victim to identity theft<sup>1</sup>, it can be overwhelming to think about all the different ways in which your identity can be stolen. The good news is there are plenty of ways to protect yourself from the unthinkable. <a href="https://www.zanderins.com/identity-theft-protection">Zander Identity Theft Solutions</a> &#8211; the only program used and recommended by Dave Ramsey &#8211; has compiled a list of proactive strategies that will lower the chances of having your identity stolen when coupled with their comprehensive protection plan.</p>
<p class="p1" style="text-align: left;"><b>Check your credit report at least three times a year. </b>You can<b> </b>request a credit report from each of the three credit bureaus for free every four months to keep a steady pulse on your credit score and identify any inconsistencies that may pop up. However, be wary of sites that claim to offer you your credit report for free, as many implement hidden fees and you’ll end up getting dozens of credit card offers in the mail after signing up. Your best option is to use <a href="https://www.annualcreditreport.com">https://www.annualcreditreport.com</a>.</p>
<p class="p1">Regardless of how you’re checking your credit score, always be on the lookout for these red flags:</p>
<ul class="ul1">
<li class="li1">Inactive accounts that suddenly have activity on them</li>
<li class="li1">A line of credit you didn’t open</li>
<li class="li1">Incorrect personal information</li>
<li class="li1">A good standing account in collections</li>
<li class="li1">A credit inquiry you didn’t apply for</li>
</ul>
<p class="p1">Don’t take any chances when it comes to suspicious activity on your credit report. If you notice something out of the ordinary, immediately report it.</p>
<p class="p1"><b>Be sure your computer has updated anti-virus software. </b>This is a simple, but often overlooked, strategy to help protect yourself against identity theft. Routinely check for updates, including anti-key logging software. You can add an extra layer of protection by making a habit of logging out of accounts you access on a computer or mobile device.</p>
<p class="p1"><b>Protect yourself on social media. </b>A simple post about your birthday can lead to disaster. Beware of oversharing, and set your privacy settings to the highest level to be safe.</p>
<p class="p1"><b>Keep your phone secure. </b>Virtually all phones have<b> </b>privacy settings, like a passcode or thumbprint scan. Take advantage of these setting as a first line of defense to keep your phone and identity safe. Other simple ways to protect yourself include keeping Bluetooth turned off when you’re not using it or registering with iCloud so if your phone gets stolen you can remotely wipe it of personal information.</p>
<p class="p1"><b>Avoid unsecure Wi-Fi at all costs. </b>Think twice before checking your banking statements as you wait at the airport. When you’re on an unsecured network, virtually anyone can gain access to your information. Be sure your home Wi-Fi network is secured with a password, too.</p>
<p class="p1"><b>Regularly change your passwords. </b>Every 90 days, change the password to your bank accounts, email and social media. While we’re on the subject of passwords, remember your password is only as strong as you make it. Creative, long passwords with a combination of upper and lowercase letters and special characters are harder to guess, leaving you less vulnerable to an identity theft disaster.</p>
<p class="p1"><b>Check your bank accounts daily. </b>Make it a habit to log on to your account and check your statements daily to be sure there isn’t any strange activity. Most banks have systems that will monitor your spending habits and flag your account if something irregular is going on, but it’s not wise to rely solely on your bank to protect you.</p>
<p class="p1"><b>Don’t send bills from your personal mailbox. </b>Don’t underestimate the depths to which a thief will go to steal your information. Putting a check in your personal mailbox could mean handing over your bank account number and routing number to a thief, putting you at serious risk. Use a post office or postal service to send bills, or consider investing in a locked P.O. box.</p>
<p class="p1"><b>Don’t fall for phishing scams. </b>Always be vigilant<b> </b>when opening emails. Avoid opening any emails that look suspicious, have strange subject lines or unknown senders. Never click on links or download attachments from a suspicious source. These are quick and easy ways to fall victim to identity theft.</p>
<p class="p1"><b>Ensure your children’s information is protected. </b>A common misconception is that children can’t be victim to identity theft. Unfortunately, that couldn’t be farther from the truth.<b> </b>Thieves actually target children at a higher rate because it is likely they can use their identity for a longer period of time before anyone notices. Protect your children for free with a Family plan from Zander ID Theft Solutions. If you find out your minor has a credit file, take immediate action.</p>
<p class="p1"><b>Increase your awareness of data hacks and breaches. </b>Just because a breach has happened doesn’t mean you are a victim, but it does mean that you should be on alert. Most breached companies will notify you via email or letter if your information was exposed; if you receive this correspondence, take precautionary measures like removing payment information from the exposed site and changing your password, then be diligent in monitoring your accounts. Zander ID Theft Solutions offers personal information monitoring as part of their plan, and will alert you if your personal data has made it to the dark web.</p>
<p class="p1"><b>Guard your Social Security card, bank account numbers and medical history. </b>Your wallet is the worst place for a social security card because, if it gets stolen, a thief now has your unique name, date of birth and social security number at their fingertips. Keep this sensitive information in a safe place, and only take it out when you need it. Don’t forget about other lesser known types of theft, like medical identity theft. Be sure to analyze your medical bills for suspicious charges.</p>
<p class="p1">These tips will help you stay proactive and fight against identity theft, but it’s important to remember identity theft comes in all shapes and sizes. The best way to protect yourself is to keep an eye on any type of personal identification that could be stolen from you and have a solid plan in place for what to do if your identity is compromised.</p>


Proactive Ways to Protect Yourself from Identity Theft

<p>We often get the question, “How does <a href="https://www.zanderins.com/identity-theft-protection">Zander Insurance’s ID theft plan</a> compare to LifeLock?” Although they may appear to be similar upon the initial comparison, there are several key differences between our programs. Perhaps Zander’s biggest differentiators are our commitment to the best prices possible, our continued effort to provide the exceptional service, and increasing value for our members. When Dave Ramsey helped Zander develop our ID theft program to meet the needs of his listeners, we committed ourselves to a higher standard.</p>
<p>Over the years, LifeLock has been involved in several class-action lawsuits and mishaps with the Federal Trade Commission (FTC) for false and misleading advertising. They got themselves into hot water by claiming their product could prevent ID theft, which resulted in a $12 million dollar fine from the FTC. Not only did they violate standards set forth by the FTC, but they created a false sense of hope and trust with their members which, in our opinion, is more damaging.</p>
<p>Because we know ID theft can’t be prevented, we choose to focus our efforts on restoration. This follows Dave’s opinion that the true threat associated with ID theft is the time and effort it takes to clean up the mess. We take over the work to restore your identity to the pre-theft status and offer $1 million in restoration and stolen funds reimbursement. With Zander, you can have peace of mind knowing someone is going to work for you if your personal information is ever compromised or stolen.</p>
<p>Since the beginning of our ID theft program, we have committed ourselves to constantly looking for new ways to bring value to our members, without driving up costs. We’ve added benefits related to stolen bank funds protection as well as monitoring services, free child protection, and lost wallet assistance – all without having to increase the price of membership. Even with these added benefits, our product is more affordable than any individual or family plan offered by our competitors. Our family plan includes up to 10 dependents through age 18, whereas LifeLock charges an additional fee per child, through a “junior” version of their product. This added fee is a perfect example of when more coverage doesn’t necessarily mean better protection. At Zander, we believe in finding the most cost-effective solution for our members, allowing them to focus their savings on other important financial priorities.</p>
<p>LifeLock and Zander’s products may be similar on paper, but our commitment to constantly improving our offerings for our members sets Zander apart from our competitors. Where LifeLock drives up cost and coverage to boost revenues, Zander is committed to bringing the most value through a concerted focus on protection, prevention and affordable pricing.</p>


How Zander’s ID Theft Protection Plan Compares to LifeLock

<p class="p1">The SDIR integrates with programs like Social Security and workers compensation to reduce your cost of coverage, offsetting any benefits received from social plans. If you are receiving payments through one of these programs, the insurance company that provides your disability coverage will simply reduce the amount paid to you by the amount of benefit you receive through the social plan.</p>
<p>To give you an example, let’s say that John Doe has a disability policy with a base benefit of $5,200 and his SDIR is $1,800, for a total benefit of $7,000.<span class="Apple-converted-space">  </span>He is guaranteed to receive the total monthly amount of $7,000 but, if he begins receiving Social Security payments, his SDIR will simply be reduced by the amount of benefit he received from the SSA (Social Security Administration).<span class="Apple-converted-space">  </span>The foremost advantage of the SDIR is that, even if he doesn’t receive any payment through a social program, the disability insurance company still gives him the entire $1,800 SDIR benefit in addition to the base benefit of $5,200.</p>
<p>Long-term <a href="https://www.zanderins.com/disability-insurance/instant-quotes">disability insurance</a> is an important component of your overall financial plan, but be wary of the optional riders that can drive up the cost of coverage.<span class="Apple-converted-space">  </span>Dave’s advice is that, if you have a quality long-term disability plan at the right cost for you, additional bells and whistles won’t be needed. It’s also important to remember that your chance of becoming disabled is limited, so balance this expense with other priorities like <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">term life insurance</a>, <a href="https://www.zanderins.com/other-insurance/health-insurance/quotes">health insurance</a>, your retirement plan, among others.</p>


What is the Supplemental Disability Income Rider (SDIR) on a Disability Policy?

<p class="p1">As Dave Ramsey says, your greatest asset is your ability to earn an income.<span class="Apple-converted-space">  </span>So what do you do when you’re sick or injured and can’t work?<span class="Apple-converted-space">  </span>That’s where <a href="https://www.zanderins.com/disability-insurance/instant-quotes">long-term disability coverage</a> comes in.<span class="Apple-converted-space">  </span>If you’re just starting to look for long-term disability insurance, first see if you have access to a group plan through your employer. Group plans are typically less expensive and easier to qualify for than if you were to purchase long-term disability insurance on your own.</p>
<p class="p1">If a group plan isn’t offered, or you’d prefer to have an individual policy, Dave Ramsey recommends <i>at least</i> a five-year benefit period (the amount of time you would receive your benefit), since most disabilities are resolved within five years.<span class="Apple-converted-space">  </span>However, if it fits within your budget, a benefit period that lasts until age 65 would be ideal.<span class="Apple-converted-space">  </span></p>
<p>Once you have determined the appropriate benefit period, you’ll need to choose your coverage amount. Dave recommends starting with an amount equal to 60% of your monthly income, which can be reduced over time based on how far you’ve come with attacking debt and growing your savings. To make your policy more affordable, choose an elimination period (the amount of time you must wait to begin receiving the payments) between 90 and 180 days – your emergency fund should cover your expenses until the benefit kicks in.</p>
<p>Be wary of additional riders to these plans, as they don’t typically add much value and only serve to drive up the cost.<span class="Apple-converted-space">  </span>Focus your search on the basics &#8211; a quality, renewable plan through a reputable company.</p>


What Benefits Should I Look For in a Long Term Disability Plan?

<p class="p1">It is important to review your policy every two to three years to make sure it still reflects the needs of you and your family. For instance, if your health has improved or you’ve quit smoking, you may want to apply for reconsideration of your health class to lower the premium payment. Perhaps you got a promotion or a raise and now you need more coverage. Or maybe you got married or welcomed a new baby to the family and need to update your beneficiaries. Conversely, maybe you’ve paid down your debt and don’t need as much <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">life insurance</a>, so you could consider lowering the face amount to save even more. If it’s been a while since you have looked over your policy, now is the time.</p>


How Often Should I Review my Life Insurance Coverage?

<p>Understanding the value a stay-at-home parent brings to a family’s overall income is an important step in deciding the right coverage for your family.</p>
<p>Just because you don’t bring home a paycheck, doesn’t mean the contributions you make to your family’s overall income aren’t significant. Everything you do as a stay-at-home parent – including cooking, cleaning, carpooling and caring for children – has a cost associated with it. The impact on your children and the benefit you bring to the household is invaluable, and your family would immediately take a financial hit if you were to pass away. With childcare costs ranging from $10,000 to nearly $30,000 a year, the cost of caring for your children alone could put a large financial burden on your family.</p>
<p>Don’t make the mistake of leaving your family to navigate these hardships on their own. Dave Ramsey recommends purchasing a policy between $250,000 and $400,000 to offset the increase in expenses your family would incur if you were to die prematurely. To protect your family, you can purchase a 15-20-year guaranteed level term plan that reflects the age of your children. If your children are older and more self-dependent, a shorter and less expensive term period may be a better option for you.</p>
<p>Zander Insurance can help find the right amount of coverage for the stay-at-home spouse in your family. Start with a free quote today.</p>


Do Stay-At-Home Parents Need Life Insurance?

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