Zander Insurance ID Theft Protection Review

“Your Personal Information Could Potentially Be Everywhere. Protect Yourself Now”

Zander Identity Theft
Overall Score: 8.7/10
Are you sure Zander is right for you?
See Our Top 3 Identity Theft Protection Services
text
8.7 Overall Score
Customer Service
8.6
Value
9.5
Features & Services
8.2
Ease Of Use
8.6

Zander Ratings

Zander Insurance Group offers an ID theft solution that’s endorsed by Dave Ramsey. They combine comprehensive monitoring with many educational resources so you understand what causes identity theft, ways to protect yourself, and what you need to know about personal finance and credit matters.

PROS
  • Backed by a well-established company
  • Transparent on covered expenses
  • Certified recovery specialists
  • Budget-friendly services
  • Unlimited children on family plan
  • Integrated resources

CONS
  • No app
  • No social media monitoring

Overview

The Zander Insurance Group has an 80-year history and a family-owned approach to doing business. Their identity theft protection service leverages their specialized knowledge and the connections they have as a large independent insurance brokerage. They have the endorsement of Dave Ramsey, a personal finance guru. The company’s focus is on educating their clients so they’re empowered with the financial and insurance information that they need to know. They want to make sure that they have a quality customer service experience at every step of the process.

Their affordable plans are straightforward and give you the same level of service with each one. The only difference is one is designed for individuals and the other is designed for families.

Features & Services

Daily Proactive Monitoring

Zander monitors many types of data so that they can alert you to any changes that occur as soon as they happen.

Up to $1,000,000 in Reimbursement

Identity theft can cause you to lose a lot of money from your bank accounts and other financial resources. Zander helps you get back on track by reimbursing you for your losses.

Protects Against Prominent Forms of ID Theft

You get coverage against the most common types of ID theft.

Dependent Coverage

The family plan doesn’t limit the amount of children you put on the plan, and they are covered until they are 25.

Integrates Free Consumer Services

One interesting feature that Zander offers in their identity theft protection product is that they integrate many useful consumer services within their service so you have everything in one place. For example, you can access free credit reports, freeze your report and opt-out of unsolicited mail. Zander also provides other online fraud prevention tools and goes over the latest scams so you’re well-informed.

Restoration

Zander continues working on your case until your credit file looks like it was before the theft occurred. Their process involves putting fraud alerts on your file at the three major credit bureaus, looking at your credit report to determine the most likely areas of fraudulent activity, sending out notifications to the credit reporting agencies and all appropriate businesses and agencies that need to know about the theft.

The recovery agents receive a limited Power of Attorney so they can use their expertise to fix everything that’s going on with your credit and financial accounts.

Covers Many Identity Theft Expenses

Here are the main expense categories that Zander reimburses you for if you have your identity stolen.

  • Application fees for grants, loans and credit accounts that ended up being rejected because of the theft
  • Notary fees
  • Long-distance telephone calls
  • Travel
  • Postage
  • Expenses related to disputing credit report accuracy
  • Credit freeze and thaws fees
  • Court fees
  • Expert witness fees
  • Transcript expenses
  • Appeal bonds
  • Lost base wages
  • Child and elderly care expenses
  • Attorney fees
  • Defense of legal action
  • Criminal and civil judgment removal

Ease of Use

The web-based service has straightforward navigation and makes it easy to see the most relevant information. You are limited to monitoring the following number of accounts for each person on the plan:

  • 1 social security number
  • 6 credit/debit cards
  • 6 email addresses
  • 5 medical IDs
  • 5 phone numbers
  • 5 bank accounts
  • 1 driver’s license

Customer Service

You receive white-glove service from Zander’s certified recovery specialists in the event that your identity gets stolen. They handle all of the work that’s needed to clear up your credit report and return your identity to the way it was before this happened.

With 24/7 availability, you can always reach someone when you need them the most. Zander has a lot of products under their banner, which is useful if you want to have identity theft services through a company you can also use for insurance.

Value

Zander offers two types of plans for identity theft protection: individual and family. The only difference between them is the amount of people that the plan covers. The family option includes two adults and unlimited children up to age 25.

The Individual plan costs $6.75 per month or $75 per year, while the Family plan costs $12.90 per month or $145 per year. Zander ID Theft Solutions offers one of the most budget-friendly options on the market.

You get an unlimited recovery limit with a $1 million reimbursement benefit. The coverage also includes electronic funds transfer loss up to $1 million. If you end up losing wages or vacation time dealing with the fallout from identity theft, Zander offers up to $7,500 per week and a $30,000 maximum. No deductible is required for any of these services.

The monitoring services included in the plan cover many types of identity theft and fraud. Financial, medical, tax, criminal, social security, child ID, benefits, employment and title fraud are monitored so you receive alerts as soon as possible.

If you discover identity theft, you need to report it to Zander within 60 days in order to receive full benefits.

Summary

Zander’s identity theft product is one of the most affordable on the market. They pack a ton of features into this service despite the low price. They’re also very clear on the types of expenses that they reimburse for if you get your identity stolen, so you know exactly what to expect in the event of an emergency.

Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.