Comments on: Why Does Dave Ramsey Push Identity Theft Insurance*?

By: Rob

Rob — Thu, 21 Jan 2010 19:03:46 +0000

“Consider a retired 80-something person who has no idea how thieves can steal her identity”

Terry: “What, men aren’t considered persons these days?

Please use the singular ‘they’ rather than perpetuate sexism. (Reverse sexism is just as bad.)”

Actually, both are incorrect. “They” is inappropriate in this case, as the statement referred to a single individual. When using a singular pronoun in a gender-neutral context, use of the masculine form is correct (even if not politically correct). The sentence should read “his identity.”

By: War'N

War'N — Sat, 16 Jan 2010 20:28:59 +0000

Read Zanders “Fine Print”

This is why $20K will cover your losses; you must first reach the policy limits of your homeowners and any other coverage you have before you can get near that $20K

“Benefits Coordination with Other Theft Coverage

The Program’s lost income and expense reimbursement services are available to you even if you have identity theft insurance with another company. For example, homeowner’s policies and credit card companies frequently provide such coverage. However, if you become a victim of an Identity Theft Event, you must seek reimbursement from that company first, up to its policy limits. Then, if you do not receive full reimbursement of your expenses and lost income associated with the recovery process under that coverage, you would be eligible to receive the difference, up to the limits of and subject to the terms and conditions of the PIIC Policy.

By: Georgia

Georgia — Tue, 01 Dec 2009 03:00:01 +0000

Our family discovered that my husband’s identity information had been breeched when an investigator from the state left a note card at our house to call them so they could alert us that someone claiming to be him had recently obtained a driver’s license in his name. I guess they have a system that compares old to new dl’s to see if there are differences.

That very day I signed up the family for the Zander plan. If this person trys to get away with anything I want to be prepared. We know who it was. They don’t know us personally. We suspect that he got access to one of our vehicles and found just enough information to construct false documents.

This situation also forced me to slow down and look at our credit report where I did find a mistake that we are working on. Being busy people in a vulnerable economy the extra cost of $6 a month is really minor. The peace of mind is a good investment.

By: CBN

CBN — Mon, 09 Nov 2009 05:57:27 +0000

Terryon Aug 28th 2009 at 12:37 am

“Consider a retired 80-something person who has no idea how thieves can steal her identity”

What, men aren’t considered persons these days?

Please use the singular “they” rather than perpetuate sexism. (Reverse sexism is just as bad.)

Terry…get a life

By: kelly

kelly — Thu, 15 Oct 2009 00:36:15 +0000

I have quickly read threw this site, and have also found that there really hasn’t been any comment on how parents deal with identity theft on their children. I still haven’t bought protection, but I plan on calling Zander for more info. The reason for this thought is that my 3 year old son had his SSN stolen…… I only found out about this because I was setting up a savings account for him. The thief hasn’t stolen any money, but is using his SSN for work. I have spent over numerous hours trying to get this fixed from calling SS, Federal trade commission, reporting to police, and contacting the three credit companies. And if you have never tried to contact the credit companies for a minor, it takes weeks upon weeks of persistance just to get a response, and you can’t talk to anyone, only in letters. I even have the name of the person, and the company she is using the SSN at and no one will help!!!!!!!!!! They can only do something if she actually takes money, quoted the police, and SS stated they can only do an investigation if she used this number for Taxes. Federal Trade just took my info and gave me a reference number. All of these companies are so bombarded with this they cannot really help on a personal level. So I think that this might be a good thing to have just for your childrens protection. And I have checked into LifeLock and they do not help you recover any stolen identity, they just let you know about it, and I personally would like to be able to talk to a professional who can help possible solve this crime.

By: Terry

Terry — Fri, 28 Aug 2009 05:37:50 +0000

“Consider a retired 80-something person who has no idea how thieves can steal her identity”

What, men aren’t considered persons these days?

Please use the singular “they” rather than perpetuate sexism. (Reverse sexism is just as bad.)

By: Elaine

Elaine — Fri, 10 Jul 2009 15:43:44 +0000

Reason enough! http://lifelock-scam.com/lifelock-service-ruled-illegal/

By: Dale

Dale — Thu, 21 May 2009 20:12:09 +0000

I, too, am interested in the $20,000 limit. It seems people sue for anything these days, and this seems awfully low.

By: Rick

Rick — Wed, 22 Apr 2009 22:23:02 +0000

Felicia, did you ever hear from Jeff Zander on your question of April 1, 09? Does anyone know exactly the differences in Zander’s and LifeLock’s ID Theft coverage?

By: felicia

felicia — Wed, 01 Apr 2009 14:46:23 +0000

Question for Jeff Zander: Jeff, you plan looks good except that you only cover up to $20,000 in losses. Other plans typically cover up to $1,000,000. If you would, please explain why only $20,000 seems adequate in your opinion. Thanks very much.