Zander Insurance ID Protection Review

What is Zander Identity Theft Protection?

According to statistics, there are 2K ID theft cases in the United States every hour. In 2017, cybercriminals stole personal data of almost 150 million American citizens. In 2022, Identity theft is a real threat, one that shouldn’t be taken carelessly even if you’re not a business owner or part of a big corporation.

If it’s user-friendly, affordable, and reliable ID restoration that you’re looking for, Zander might be exactly what you need. It will cost you $6.75 per month or $75 for a full year. If your identity is stolen, a restoration service like this one will make sure to minimize the damage. For ID monitoring slash recovery, Zander Insurance is a very good pick.

Its recovery services are comprehensive and on par with the leaders in the field. The company’s caseworkers will help you restore your credit and keep your rights reserved. Plus, they will notify the IRS and the biggest credit bureaus (TransUnion, Experian, and Equifax). It’s worth mentioning that Zander has the support and approval of numerous money-management experts. For example, Dave Ramsey has been endorsing it for more than two decades.

Sadly, Zander Insurance doesn’t provide any credit monitoring services. So, if you’re looking to check your credit score regularly and keep up with your financial records, this ID protection service won’t be a good choice. Other than that, it’s a company that you can trust to handle any ID theft cases that you might have to deal with.

In our Zander ID Theft Protection review, we’ll go over a list of pros and cons, talk about its main features, services, and more. You’ll learn about recovery benefits, wallet protection services, life insurance, alerts, and customer service. Last but not least, we’ll take a look at the available plans – Individual and Family – and see which one fits you best.

Pros and Cons

Like any other service, Zander has its strong sides and weak sides. Let’s quickly go over the list of pros and cons. We’ll discuss every single service/feature in more detail later. The following list will give you an understanding of what to expect and what Zander has to offer.

Pros:

• Unlimited recovery services
• 100% recovery success rate
• Competitively-priced plans ($6.75 per month for Individuals)
• Affordable options for families ($12.90 per month)
• Unlimited coverage for your children
• Excellent (24/7) customer service
• Personal information monitoring
• SSN, change of address, and court records monitoring
• Constant data breach updates
• Dark Web monitoring
• Stolen funds/expense reimbursement (up to $1 million)

Cons:

• Credit monitoring is not available
• Doesn’t include bank/credit account alerts
• The company doesn’t provide an app for your mobile device

Main Features & Services of Zander Insurance

With the pros and cons out of the way, it’s time for us to focus on the main features provided by Zander Insurance. This company’s coverage fully focuses on two services. Those are ID monitoring and ID theft recovery. The monitoring and alert features are quite impressive. The same can be said about the available recovery services. For example, theft insurance can reach 1 million US dollars.

Add lost wallet protection, excellent customer support, and competitive pricing, and you’ll see why this company is one of the obvious leaders in the field. Here are the most important services provided by Zander Insurance:

• ID restoration
• Life wallet protection
• Proactive monitoring
• Proactive alerts
• Stolen funds and expenses reimbursement (up to $1 million)
• Children ID protection (at no extra cost)
• 24/7 Customer service
• Protection against all known types of ID theft

Monitoring and Alerts Services

While this is a recovery-based service, you’ll still get monitoring and alerts with Zander. First of all, it includes SSN (Social Security Number) monitoring. On top of that, the company monitors court records, change-of-address, personal ID information, and more. Dark web monitoring is also a part of the deal. However, don’t expect to get a credit report from Zander Insurance: credit monitoring isn’t something it provides.

Again: credit reports or scores aren’t available regardless of the plan you end up choosing. Still, thanks to the large number of monitoring services it provides, it will most likely prevent major crimes. It’s a bit unusual to see a complete lack of credit monitoring in leading service, though.

The good news is – along with Social Security Number monitoring, the company also allows the user(s) to enter extra info for control. During our review, we added more than 10 bank accounts, a passport, a driver’s license, and more. Medical ID numbers can also be added, by the way. Shortly after we created and registered our test account, Zander sent the first alert.

It turned out our email address could be compromised through some old accounts on websites we forgot about. And this was quite impressive, as not many ID insurance/monitoring companies are able to monitor suspicious activity on outdated and not-at-all popular sites. Last but not least, Zander monitors the Dark Web and informs you of any unusual activity. Social Media monitoring isn’t included.

Zander Recovery Benefits

When it comes to recovery, Zander Insurance shines brightly – it provides full-service restoration for its clients. The company likes to emphasize the “full-service” part of the deal constantly, but what does that mean in simple words? First of all, the staff at Zander will help you get in contact with issuing agencies (like your bank) and inform them of the situation you’re dealing with.

The loss of bank, credit, or membership cards qualifies as an emergency, and the sooner you take action, the better. Zander will also contact the police on your behalf and check your credit report. A Recovery Advocate will be assigned to you, and we highly recommend contacting this person in case of ID theft. They will manage your case, come up with a working recovery plan, and guide you throughout the entire process.

Here are the steps that a Recovery Advocate takes:

• Credit file restoration – it will “go back” to the pre-theft status.
• Major credit bureau notification – TransUnion, Equifax, and Experian will be notified of ID theft/fraud.
• The IRS, government agencies, and medical institutions will also be warned.
• Finally, a fraud alert will be placed.

And what about insurance – how does this company cover your losses? In the case of ID theft, the criminals can not only steal money from your bank account but also take out loans, among other things. Plus, hiring a lawyer, taking a break from work, and possibly paying for childcare can cost you a pretty penny. Thankfully, you won’t have to worry about those expenses with Zander.
As we said in the beginning, Zander repays up to one million US dollars for stolen funds (from bank accounts of credit cards), extra expenses, and everything else in between.

Lost Wallet Protection

Along with the basic alerts we mentioned above, Zander Insurance offers a couple of extra services. For example, if you lost your wallet, or if somebody stole it from you, Zander will make sure to cancel any active cards that may be abused by the thieves. Plus, they’ll help with the re-order of brand-new credit or debit cards. The list also includes health insurance, ID, and any other cards.

In some cases, it can take a while for a regular person to cancel/block their cards. Companies like Zander are capable of doing that much quicker and thus keeping your hard-earned cash from being stolen. On the official website, you’ll find a so-called “Education Center” that includes user-friendly tips on how to spot and prevent ID theft.

This is important: while this company doesn’t provide annual credit scores and reports, you can get a hold of them on your own. In The Education Center, you’ll find simple instructions on how to request these from the three major bureaus.

Life Insurance

Even though the ID protection deal doesn’t cover it, you can still get life insurance with Zander. All you’ll have to do is click “Life” on the official website – it’s located in the far left corner, next to ID. You can start a free quote right there and then without having to wait for any confirmation. There’s also an insurance calculator that can help estimate how much insurance you need.

The calculator requires personal information such as age, burial cost, debt, savings, retirement savings, annual income, and more. Once you enter all that info, the website will reveal your life insurance needs. While this isn’t an exact science, still, it might be useful to use this feature to have some understanding of what your insurance might look like.

Customer Service

Before we talk about the available packages and their respective prices, let’s check out Zander’s customer service. It is available 24/7 and is always ready to help out the clients with any questions they might have. We were impressed by how fast and effective Zander’s support agents are. It didn’t take us long to connect with support via phone.

The company also offers a clear refund policy: you can get a full refund within 14 days of purchasing any of the available plans (be it the $6.75 per month or $145 per year subscription). However, if you’ve used a recovery service, you won’t get any of your dollars back. Also, you can cancel the subscription through the official website, regardless of whether you’re on a per month or per year plan.

But we recommend getting in contact with customer service over the phone and letting them handle everything. The signing up process is very easy and straightforward – the same is true for logging into the web app. On the main dashboard, you’ll see exactly what info the Zander agents are monitoring for you. The alerts are also displayed on the main page. That’s pretty much all the information a regular user needs.

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