Zander Identity Theft Protection: Affordable Security?
Identity theft can be a nightmare, disrupting your finances and peace of mind. Protecting your personal information is vital. This review examines Zander Insurance, an identity theft protection service, looking closely its cost and effectiveness.
Zander Insurance offers two plan levels: Essential and Elite, each available for individuals and families.
Zander’s Subscription Options
Zander’s pricing is remarkably low. Individual Essential plans start at $6.75 per month, with the Elite plan at $11.99. Family plans are $12.90 (Essential) and $21.99 (Elite) monthly. Annual plans are also available, offering some savings.
To maintain these low prices, Zander’s Essential plan does not include credit monitoring. Instead, you can obtain your credit reports for free once a year from the three major credit bureaus. The Elite plan includes additional features.
Here’s a breakdown of the pricing:
These prices are significantly below industry averages. The family plans are particularly attractive for their coverage of up to 10 children.
Zander’s simplicity is a plus compared to some competitors that provide many options.
What Does Zander Cover?
The Essential and Elite plans include identity monitoring services such as:
- Financial Fraud: Monitoring for your account and card numbers on the internet, including the dark web.
- Medical ID Theft: Keeping an eye out for fraudulent Medicare or health insurance claims.
- Personal Information Monitoring: Protection against various types of fraud, including tax and criminal identity theft.
- Social Security Fraud: Monitoring the names/addresses associated with your Social Security number.
- Child ID Theft: Family plans offer monitoring of children’s identities, critical because their information is often a primary target.
- Benefits and Employment Fraud: Monitoring for unemployment fraud.
- Title Fraud: Protection against someone attempting to take ownership of your property.
- Account Takeover (Elite): Monitoring for changes to your bank or credit accounts.
- New Account Fraud (Elite): Alerting you if new financial accounts are opened using your information.
The Elite plan also provides new account monitoring, account takeover monitoring, an Experian CreditLock account, a VPN, and antivirus software.
Zander and similar services provide approximately $1 million in reimbursements for identity theft. This maximum increases to $2 million for family plans.
Free Trial and Cancellation
Zander does not offer a free trial. However, monthly plans have no contracts. You can cancel anytime without penalty. If you cancel within 14 days, a full refund is provided.
Summary
Zander Insurance provides simple, cost-effective identity theft protection. While it may not have all the features of more expensive services like LifeLock, its low price makes it an accessible option.
FAQs
- Is Zander or LifeLock better? LifeLock has more features, including credit alerts and device protection. However, Zander has better pricing.
- Can I get a refund if I cancel? Yes, if you cancel within 14 days.
- Does Zander monitor bank accounts? Only with the Elite plan.
Aliza Vigderman, Senior Editor
Gabe Turner, Chief Editor
