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Zander ID Protection


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35 User Reviews


Overall Score

Zander Insurance Group was founded in 1925 and provides coverage for life, health, automobile, homeowners, and more. In 2010, Zander partnered with ID Experts to offer identity theft protection services to customers. 

The BBB-Accredited business provides around-the-clock, U.S.-based customer service as well as two identity theft protection membership plans - the Essential plan and the Elite plan. Each plan offered has an individual plan and a family plan option. Each plan can be paid on a monthly or yearly basis, depending on what the customer decides is best for them. The company's plans start at $6.75 per month and $75 per year. 

Zander's identity monitoring services are designed to protect against many types of identity theft and fraud including financial fraud, medical identity theft, tax fraud, criminal identity theft, social security number identity fraud, employment fraud, home title fraud, and more.

The company's identity protection process was customized by Dave Ramsey and designed to provide optimal identity theft protection without wasting money on services that could be self-administered

Read on to learn more about Zander Insurance Group's identity theft protection solutions and services. 


The Good

  • Variety of Services
  • Competitive Pricing
  • Exceptional Expense Protection
  • 24/7 Customer Service

Variety of Services

As mentioned above, Zander Insurance Group provides a variety of identity theft protection services.

These services include covering all types of identity theft, personal information monitoring, social security number monitoring, change of address monitoring, court records monitoring, data breach updates, around-the-clock customer support as well as identity recovery and restoration services.

Zander also provides unlimited restoration services, stolen funds and expense reimbursement insurance, lost wallet protection, free credit report monitoring reminders, and child identity theft protection.

With the company's Elite Plan, customers can get premium VPN and premium Antivirus protection. Elite Plan customers can also obtain account takeover monitoring, Experian CreditLock services, and new account monitoring. 

In terms of child identity theft protection services, the company covers up to two adults and up to 10 dependents/children to those who sign up for the family membership plan.

It's important to note that dependents who turn 18 years and older will not be eligible to continue receiving monitoring services under the primary member's family plan. Dependents 18 and older can, however, still be eligible to receive identity restoration services if they are unmarried and are living in the primary member's household. 

Competitive Pricing

The insurance company offers full-service identity theft solutions for fairly competitive prices.

The company's protection plans start at $6.75 per month for the Essential individual plan to $12.90 per month for the Essential family plan. These prices cover all basic identity protection and identity restoration services and are some of the lowest monthly prices that can be found within the identity theft protection industry.

Exceptional Expense Protection

In the unfortunate event that an account member becomes a victim of identity theft, Zander's expense protection will cover stolen funds, refiling applications for loans, and other related out-of-pocket expenses, legal fees, and lost wages of up to $7,500 per week for four weeks.

Zander covers these costs with a $1 million identity theft insurance policy that has zero deductible. With the family plan option, Zander's insurance policy will provide cost coverage for up to $2 million. 

As part of its recovery service, Zander follows up on resolved cases for 36 months to ensure that the client experienced a full identity recovery.

24/7 Customer Service

In addition to identity theft services, Zander offers each client around-the-clock access to its U.S.-based customer service and support team.

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Customer Review: Margaret Beus from Richland, Washington

"...we have occasionally had questions and their customer service has been very helpful and easy to work with. It is also not difficult to contact them."

Customers who fall victim to an identity theft event can report the theft to Zander's 24/7 customer support team. Additionally, customers can contact this support team if they have questions regarding their plan coverage.

If a theft does occur, Zander will provide the victimized customer with a certified recovery specialist and will take over the work to restore the customer's identity to pre-theft status.

Along with the company's customer service availability, Zander also provides a helpful resource link page on the identity protection services section of its website. This page provides links that can help clients obtain a credit freeze, opt out of "receiving pre-approved, unsolicited credit and insurance offers in the mail", obtain a copy of their credit reports each year, and more. 

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The Bad

  • No Credit Monitoring
  • No Monthly Payment Refund
  • Limited Website Information

No Credit Monitoring

Zander's identity protection service does not seem to include credit monitoring services. The company states that this type of monitoring service, which is provided by most companies in the industry, provides minimal benefit at an additional cost.

Instead, Zander recommends customers check their personal credit reports through Overall, those who have a Zander identity theft protection service membership and who are interested in credit monitoring must pay for those services separately. 

No Monthly Payment Refund

Zander Insurance Group does not provide a refund to customers who cancel a monthly membership. That said, the company states on its website that it may offer refunds on a pro-rated basis to those who cancel a yearly membership plan. 

A customer's Zander identity theft membership plan automatically renews each month or year, depending on what plan they have set. Customers must contact the company directly via phone or email to request to cancel their current membership plan. 

Limited Website Information

The company's website does disclose some information regarding its identity theft coverage and service, however, there is a limit to the information provided.

It is unclear whether the identity theft solutions company provides credit reports, certain fraud alerts and notifications, and more. Customers who wish to have detailed information are required to contact the company directly.


The Bottom Line

Zander offers comprehensive, affordable identity theft protection services.

The company provides unlimited recovery services and restoration services, free child protection with the family plan, and up to $1 million in identity theft insurance policy for each member who becomes a victim of identity theft.

Zander identity theft services also protect against different types of identity theft including financial fraud, medical identity theft, tax fraud, criminal identity theft, social security number identity fraud, and more.

Although the company does offer some monitoring service protection, Zander does not seem to offer credit monitoring services. Additionally, the company does not provide refunds to those who cancel a monthly membership plan. The company also has limited information on its website regarding certain aspects of its identity theft protection service. 

If you are looking for an identity theft protection service, you will have a difficult time finding one for a lower price than Zander, especially if you are looking for a company that offers plans for both individuals and families.

Before you sign up, however, we still recommend that you take the time to conduct personal research, check out the company's terms and conditions, and read several Zander ID Protection reviews to learn more about the company's identity theft protection service.

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35 Reviews

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Max New York, NY

I just signed up with Zander ID Protection. I worried about their relationship with CSID. I hope, god forbid, if I need to use this insurance I don't get the same experience as Elizabeth, another user did who wrote a review on July 19th, 2018. I hope Zander has an explanation of why that happened and they happened when they reached to CSID. I understand why they use CSID services, it makes business sense. But please Zander, make them accountable to your reputation. If they suck that's on you but if you don't don't anything, it is. I hope they address this review otherwise I might seriously consider canceling it. The price is affordable and the insurance itself seems to be quite good. Now I am just afraid of their relationship with CSID.

2 years ago

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Barbara Dyjak Howell, NJ

I'm not sure if this was published before or after the very recent changes to Zander ID Protection. New benefits were added. So, here they are: New membership benefits include: Personal Information Monitoring - a proactive step to detect the illegal buying and selling of your personal information on the internet. Social Security Number Monitoring - provides a report with all names and aliases associated with your SSN, and notifies you if a new one is added. Change of Address Monitoring - allows us to monitor requests for your mail to be rerouted through the United States Postal Service. Email Alerts - when your personal information is at risk, or a monthly All Clear notification. Lost Wallet Protection - offers you peace of mind if your wallet or purse is lost or stolen. Simply call and speak with a Recovery Specialist and they will begin the process of cancelling any debit or credit cards that are missing. 24/7/365 Customer and Recovery - support available by phone. Improved Online Account Access - easy access through your cell phone or tablet. $1 Million Reimbursement with Stolen Funds coverage I only called customer service once, several years ago, and was not overly impressed.

4 years ago

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donna Cranston, RI

I have finally spoken to zander and the representative was extremely helpful and has rectified the situation which I had been attempting to resolve for the last 4 days. extreme conditions, the Equifax breach and the call center in the hurricane, have caused considerably long wait times. I am satisfied with the resolution.

3 years ago

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C B Seibert

Dave Ramsey is right. The coverage is impressive. The Family plan is superior to 2 separate LifeLock plans. I'm very satisfied

4 years ago


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S Suguturaga Orem, UT

I like the easy set up and it is a solid product, luckily I have not had to deal with id theft as of yet.

2 years ago

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