Finding the Best Identity Theft Protection: Pre-Paid Legal Vs LifeLock Vs Zander

May 18, 2007 by
Astra Yaddira  
Astra Yaddira
Astra Yaddira
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With identity theft on a rampage more and more people are falling victim to this terrible crime. I wanted to find a service that would not only help me to monitor what is going on with my credit, but would take care of everything for me if I were to become a victim myself.

I am an avid listener of the Dave Ramsey show and he always raves about how great Zander Insurance is for Identity Theft Protection. I wanted to do a bit of shopping around for myself to see
 what set them apart from their competitors.

There are three major companies that offer Identity Theft protection. These are Zander Insurance, Pre-Paid Legal and Life Lock. You could also sign-up for a credit monitoring service, but they don't do much for you after you fall victim, so I wont be using them in this comparison.

Pre-Paid Legal Identity Theft Shield

It is hard to find out their exact coverage because it varies state by state. Their Identity Theft Plan starts at $12.95 per month plus a $10 enrollment fee. There services include: a free credit report and score up front and then continuous credit monitoring. So they will notify you of anything suspicious going on in your account.

Pre-Paid Legal also offer full restoration management, meaning that someone else will go through all the hassle of restoring your identity back for you. This will allow you to get things taken care of without the headaches and hassles. They will also follow up with you for 1 year after the crime to make sure everything has worked out properly.

The thing I didn't like about the Pre-Paid Legal Identity Theft Shield is the fact that there is no dependent coverage, meaning it will only cover you and not the rest of your family should anything happen to their identity. Also, if someone has already stolen your identity, it is too late to get coverage because they wont cover anything that happened before your enrollment date. They also do not reimburse you for lost wages.

LifeLock

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The lost wages for court would not be present with the Legal Plan offered by Pre-Paid legal, this is why Pre-Paid Legal offers a complete wall of coverage. You said it yourself, a lawyer will be needed that is provided with Pre-Paid Legal.
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Posted on 04/11/2009 at 6:04:27 PM

One thing that must be understood is without the help of lawyers you not completely being helped in the situation. The issue with this report is it fails to point out that Pre-Paid Legal is not just an IDT company they have teamed up with Kroll world wide to create a complete wall of protection given any circumstances. Another big thing that was failed to be focused on was Kroll Worldwide will NOTIFY you of any activity on your account, I'm sorry but I don't have the time to look an monitor my credit every month or 90 days. Even more so there's so much information that isn't covered by your credit report it's insane for Zandler to be the best for value. I'm not knocking the other companies but when your Drivers License number is stolen and used by someone else, and you get pulled over at 2 am with a warrant out for your arrest due to unpaid speeding tickets. What are you going to do? Tell the officer you need to check your credit report first, the bad part is it wont show up. So what's
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Posted on 04/11/2009 at 6:04:11 PM

I've had my Pre-Paid Legal & Identity Theft coverage for over 4 years now and have used it extensively. My wife had fallen victim to Identity Theft from previouse places she worked at and each time Pre-Paid Legal came through will flying colors to help and restore. We had the accessability of lawyers to help also. WONDERFUL!!! I heard Life Loc & Zander are very much limited, except for credit cards and such, Pre-Paid Legal covers us in ALL 5 areas of Idenity Theft. Rock on Pre-Paid!
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Posted on 12/22/2008 at 8:12:10 PM

I also forgot to mention most ID theft is not credit related which cannot be monitored...something to think about when you give out your information
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Posted on 09/05/2008 at 2:09:38 PM

Pre-paid legal does not cover family FRAUD. Thats when a family member commits fraud against another family member, so much so that this is one of the largest forms of ID theft there is. I've done some research on this, and its sad to think this exists. I've heard this on Daves show a few times, and I heard about the great coverage Zander provided. I spoke with a representative today who answered every question I had, and broke it down in a way i understood it. I feel very confident in this product and company.
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Posted on 09/05/2008 at 2:09:00 PM

Mr. Gauthier makes a valid point, what is great about Prepaid Legal Services IDT Protection is that it monitors your credit, but it also helps you RESTORE your credit. This is very important because you will have them saving you on average the 16 weeks that it takes for an individual to take all the necessary steps and paperwork just to start the restoration process. More importantly, you have access to the attorneys to go to court for you and help with any legal matters/advice needed that have came about due to your stolen identity. If you would like more information I have been an owner of the services for almost 5 years and recently became an Independent Associate. Visit my website and/or email legalempowerment4you@gmail.com
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Posted on 07/07/2008 at 8:07:15 AM

I forgot to mention, PrePaid Legel does cover your spouse and children.
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Posted on 05/15/2008 at 7:05:44 AM

PrePaid Legal is the BEST identity theft program out there. They are a three legged stool. You have monitoring on the five areas of coverage 24/7, you have FULL restoration, and access to an the BEST attorneys money can buy. You can have all of this for an amazing price and your premium will NEVER change. The best thing about it is you can use the legal service for anything. The value in the membership is incredible, if you have not taken a good look at it, I highly recomend doing so. Not to mention the oppertunity that is offered is exactly what people are looking for, expecially with prices sky rocketing on gas, taxes, products, ect.
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Posted on 05/15/2008 at 7:05:59 AM

I did some research also and that's why I think the Zander plan is best. The previous writer is accurate that the Pre-Paid legal plan costs $9.95 per month and includes the spouse but that is only if you buy the other legal services. The ID Theft plan is 12.95-15.95 per month separately. Zander's plan also covers all the five issues noted above but goes further. The pre-paid plan does not cover an ID Theft committd by a family member and Zander's does. With 70% of ID Theft being committed by family, friends or acquaintances this could be a big limitation. Also, Pre-Paid legal does not offer any cost reimbursement services so any expenses incuured by me if I become a victim such as lost wages for court, etc. is not covered. Besides that Zandeer is cheaper! Thought you would want to know.
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Posted on 01/24/2008 at 7:01:04 AM

I Also wanted to say that I agree that the article was very informative and I am glad that you wrote it, thank you!
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Posted on 12/04/2007 at 4:12:00 PM

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