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How Does Zander Insurance’s ID Theft Plan Compare to LifeLock?

2011 November 13

The primary differences between Zander ID Theft Solutions and LifeLock are integrity, price, and a continued effort to emphasize service and value to our members.

LifeLock’s troubles with the FTC over the years, including settlements and class-action lawsuits, initially stemmed from their claims that identity theft could be prevented – leading their members to feel a false sense of security and, later, dissatisfaction with their plan. LifeLock has also consistently misrepresented the scope of their plan, in our opinion, in an attempt to present their plans as more extensive than they really are.

Since the inception of Zander ID Theft Solutions, which Dave Ramsey helped us develop to meet the needs of his listeners, the price for membership has remained the lowest in the industry. We have consistently found new ways to enhance the value of our program, as evidenced by the addition of benefits such as our cybersecurity bundle to safeguard your online presence, stolen funds protection, monitoring services (including financial account monitoring), a credit lock/unlock feature, child protection, and lost wallet assistance, just to name a few. We have accomplished this while covering all types of ID Theft – not just financial fraud.

Zander ID Theft Solutions is more affordable than any individual or family plan offered by LifeLock; in fact, our family plan includes comprehensive coverage for up to ten children to the age of 18 (twice as many as LifeLock), with limited benefits available for adult dependents. LifeLock does not include children in any of their standard plans and charges an exorbitant $819.99/year for their family plan after the first year, capitalizing on parents’ fears to generate more revenue.  At Zander, we believe our clients should have the most cost-effective option available so that the money they are saving can be used to attack debt and grow wealth. We don’t bait our customers with introductory rates and then hike them up after 12 months of having your business; in fact, our plan pricing has stayed the same year-over-year for more than a decade, proving that a higher cost does not always mean better protection.

We know that no one can prevent ID theft from happening so, from the beginning, we have chosen to focus on our promise to help Zander clients with full-service restoration. Dave’s endorsement of our plan is based on his opinion that you need to focus on the true risk of identity theft, which is the time and effort it takes to clean up the mess – over 600 hours, on average. If you become a victim, our certified recovery agents take over the work to restore your identity to the pre-theft status. This provides an additional level of peace of mind to our clients, knowing that someone is going to have their back if their personal information is ever compromised.

One feature that is not included in our ID theft protection plan is credit monitoring, and for good reason – we don’t believe that the high cost of credit monitoring is worth the minimal benefit received.  Especially when, on average, only 21% of ID theft events are related to credit fraud. Why overpay for a service that is only marginally helpful and you can complete yourself for free? Zander Insurance recommends that you pull and review your credit report through every four months; each credit bureau provides one free report annually.  We also provide our members with quarterly monitoring reminders and will help review the reports if you have questions or notice anything suspicious or concerning.


Overall, LifeLock’s plan may look similar to Zander’s on paper, but our pricing, our transparency, and our commitment to excellence in customer service set us apart. Our program is a balanced approach of thorough protection and proactive monitoring, making Zander the smarter, more affordable solution to identity theft.

8 Responses leave one →
  1. Grady Smith permalink
    November 15, 2012

    We love Dave and has decided to leave lifelock and join the Zander Family. Life tried to put Zander Insurance down but I had done my research and found they were either unimformed or lying to me.

    I am interested to see if I could replacy my home insurance policy I have Met life right now and they recently increased my annual rates, because they say, they have had a lot of claims in WA state. This has made me unhappy with them, can you help?


  2. zanderins permalink*
    November 16, 2012

    Thank you for your comments. We have sent you an email with instructions on applying for home insurance in Washington.

  3. Kim Harbour permalink
    March 8, 2013

    What if I have already had my identity stolen? Or social used? Could I still sign up as a new client?

    Thanks Kim

  4. zanderins permalink*
    March 19, 2013

    Yes, we will cover anything that fraudulently happens from this point forward. Also, we will cover anything that happens fraudulently in your name that you didn’t know about before you became a member. We will always give advice and guidance to our clients on any pre-existing issues as well.

  5. Reg Hawes permalink
    March 27, 2013

    My wife & I own & operate a farming business operating under 2 separate entities. Would your identity theft potection extend to these entities as well?


  6. zanderins permalink*
    March 27, 2013

    Reg, unfortunately, there is no type of protection out there that can cover a business. It is legally impossible. However, if you’re a member of Zander’s Identity Theft protection plan, we would always guide you on how to handle the situation and walk you through the process of getting your business back in good standing. We just wouldn’t legally be able recover it for you. But you have unlimited recovery services that allow you the opportunity to speak with our recovery advocates whenever you’re a member.

  7. Kevin permalink
    June 25, 2013

    To whom it concerns,

    Dave Ramsey & his program is awesome but when making statements & or comparing to others I do hope you will consider being more careful in the aspect of identity theft plans/companies. I like what I see for the plan through Zander insurance but your team should look at what & how Kroll works regarding Identity Theft plan(s).
    Thank you Dave Ramsey for what you & your team are doing for the betterment of families!
    Kevin Petersen

  8. N Tareen permalink
    January 29, 2014

    This note explain my concern/question in depth, my membership renewal is due, I will send it in a day or two.

    Thanks to Dave and his fabulous team, plus Zander Insurance.

    God bless you.

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