Subject: IDENTITY THEFT – Should you have this coverage? 

When these identity theft products started coming out a few years ago, I felt like they were a “money grab” being sold off fear, and many of them still are.  As I learned more about the risk management and personally witnessed troublesome cases, I have changed my tune dramatically.  This is real, it is the fastest growing crime in America and frankly, the world is trying to figure out how to slow it down.

I strongly believe people should have this coverage; but, they should not purchase this coverage thru their auto or home insurance.   Every family today regardless of income, needs a standalone policy that is provided by experts in this ever changing crime.  This involves monitoring not just your credit report, but many other items that are in an entirely different risk class including social security numbers, medical ID’s, passport # and other personal information.

We have all seen the rise in ID theft exposure in the news/media.  You have heard the commercials and wondered whether or not you should purchase.  I feel an obligation to provide direction and make sure you are in a reliable and responsive program.  Here it is!  They provide Licensed Private Investigators (not a call center) to completely restore your ID, answer your questions and relieve your concerns.  This is a simple read, just click on this link below and sign up for the coverage.  This is quite affordable compared to most plans that provide less service.

www.legalshield.com/info/affiliatedinsurance

I have investigated other plans and feel this is the best plan available now. What I really like about this plan is the reporting alerts on all of the areas monitored.  There is a sense of peace when I get my monthly report telling me there has been no activity on any of my family members and my wife and I’s credit score has not been negatively impacted. I won’t tell you which program to go with, that is ultimately your choice, however when I sat down and performed comparison, it was the $19.95 per month IDShield Family plan that made most sense for me. There is individual for $9.95 as well.

Please feel free to pass this on to your friends, family and co-workers even if they are not currently an AIA client.    

Shawn P. McBride