Based on our extensive testing, we have found that for most people, Identity Guard is the best identity theft protection service.
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by Calvin Fellows
Topic: ID Theft
> 3 min read
Offers some of the most thorough identity theft protection on the market. You can protect the full spectrum of your digital identity, social media accounts, and financial accounts.
It is an excellent choice for someone who needs essential identity theft protection services while on a budget. Zander provides 24-hour assistance and professional recovery services.
Home Security Heroes recommends Identity Guard Identity Theft Protection Service because of its comprehensive coverage and reliable service support. All plans have $1 million insurance and a US-based customer care team. Its basic plan offers top features while its Ultra Plan gives one of the most complete packages in the market.
Identity theft is the theft of your personal information to gain access to your money or set up new accounts to borrow money in your name. The number of social and financial accounts an average person has is rising, which increases the risk of your information being stolen.
It is challenging to monitor all your accounts yourself. That is why companies such as Identity Guard and Zander have created their identity protection services. In Identity Guard vs. Zander, we’ll discuss the key differences and so you can find the ideal identity protection suite for your needs.
Identity Guard vs. Zander: Comparison
WHAT YOU GET
Funds Monitoring, Replacement, and Insurance
- 1 Identity Guard vs. Zander: Comparison
- 2 QUICK FACE-OFF
- 3 Identity Guard Features and Services
- 4 Zander Features and Services
Identity Guard Features and Services
ID Theft and Cyber-Security
It seems as if new advances in technology are always exploited to take advantage of others. We are all connected to our favorite service providers, merchandisers, and online retailers, who store our information for our convenience. Thieves find easy prey in these circumstances.
It is difficult to monitor all your personal information on your own. It’s been reported that the average consumer has close to 90 online accounts, with an unknown amount of personal data stored at each one.
Identity Guard identity theft protection scans the internet and the dark web for your personal information, sending you alerts via its app. Data breaches, bank and investment accounts, and your social media accounts are all monitored with Identity Guard’s services. You can also add the accounts of your entire family to ensure their information is safe as well.
Fund Replacement and Insurance
Identity Guard is similar to most protection providers in that it offers up $1 million in insurance coverage for financial losses that result from someone stealing your identity. Lawyer fees, official document fees, and stolen funds are all covered by this insurance.
Credit, Bank, and Investment Monitoring
Identity Guard provides monitoring of your credit files. You have a credit file at each of the 3 credit bureaus which store your active loan information, credit payment, and history. If there are any changes to your credit file or bank and investment accounts, you’ll receive notices.
Plans and Pricing
The Identity Guard Value plan has two options, one for individuals and one for families. The individual plan can be subscribed to for $7.50 per month, while the Identity Guard family plan runs $12.50 per month. Each plan offers up to $1 million in theft insurance, provides a risk management report, and provides cyber-security features.
The Total Plan is Identity Guard’s second-tier plan and can be purchased for $16.67 per month. You can also subscribe to the family plan for $25 per month, protecting your children, domestic partner, or spouse's information. The Total Plan includes bank account monitoring, Identity Guard credit monitoring of 3 bureaus, and a 1-bureau monthly credit score.
The Ultra plan offers the most coverage for families or individuals. A monthly fee of $25 (individual) or $33.33 (family) grants you all of the lower-tier packages’ benefits plus investment and retirement account monitoring, tracking of court records and documents, address change monitoring, and more.
Pros and Cons
Zander Features and Services
ID Theft and Cyber-Security
Zander identity theft protection is less comprehensive than other providers. This is not to say that the protection offered is ineffective — it’s quite the opposite. Zander’s scans include as much of your personal information as you’re willing to give the company. It uses this to scan across the dark web’s known exchanges and information trafficking sites.
The only difference with Zander is that it does not have access to your credit card file or bank accounts to alert you. It only provides alerts if it finds your account numbers being exchanged.
The scanning services are conducted daily and look for such information as your credit card, bank account, and license numbers. If you purchase a Zander family plan, it scans for their information as well.
Fund Replacement and Insurance
Similar to Identity Guard, Zander provides identity theft insurance and fee coverage of up to $1 million. The aspects of the coverage remain the same as well — the money can be used to replace stolen funds and cover fees from lawyers, experts, from acquiring legal documents, or other theft-related expenses.
Credit and Bank Accounts
Your bank account and credit card numbers are all that is monitored. There is no Zander credit monitoring besides the cards. In truth, many consumers do not need much more service than receiving alerts for these accounts.
Pricing and Plans
The individual plan covers 1 person and will cost you $6.75 per month, or $75 per year. The individual plan includes identity recovery, monitoring, and alerts of your personal information, 24-hour customer service, and insurance.
The Zander Family Plan is all of the services provided by Zander, but for an entire family. You can cover as many as 10 children up to the age of 18. You can also include adult dependents living in your home, but they have limited coverage. The family plan costs $12.90 per month or $145 per year.
Pros and Cons
It is increasingly easier for thieves to steal identities due to the digitization of our information, interactions, and culture. Since our information is readily available to people that want to profit from it, we need to be more vigilant when ensuring our information is secure.
However, there is only so much you and your family members can monitor on your own. If everyone in your 4-person family has 45 accounts online, you’d all need to spend a lot of time checking them every day for security.
No one has that kind of time, so it helps to have someone specializing in identity monitoring do it for you. While Zander’s essential services check known places for your information and notify you if it is found, IdentityGuard’s complete monitoring and alert services monitor all of your financial and social accounts. The dark parts of the web are also scanned for your information. The app alerts you via your mobile device so you can receive it wherever you are.
While Identity Guard’s services might be more expensive, you get a full-family, complete-identity surveillance suite that lets you spend time doing the things you love to do without worrying about thieves damaging your credit. Identity Guard wins this comparison due to the robust and all-inclusive security features its plans offer individuals and families.
* The score you receive with Identity Guard is provided for educational purposes to help you understand your credit. It is calculated using the information contained in your TransUnion credit file. Lenders use many different credit scoring systems, and the score you receive with Identity Guard is not the same score used by lenders to evaluate your credit.
** Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group‚ Inc. The description herein is a summary and intended for informational purposes only and does not include all terms‚ conditions and exclusions of the policies described. Please refer to the actual policies for terms‚ conditions‚ and exclusions of coverage. Coverage may not be available in all jurisdictions.
About the Author
Calvin Fellows’ time on the force was a learning experience, showing him the darkest sides of humanity. What stuck out to him most was how preventable most crimes were; a couple of little things often stood between the loss of someone’s life or property, that simply wasn’t there.
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