Identity Theft Insurance

Through my credit card company I had Identity Theft Insurance. The sales people went on and on about how their coverage was the best around because it not only covers you if someone steals your identity, but also pays all legal expenses you incur as a result. The cost of this was $9.95 a month. Okay, not much money to worry about.

Then I joined another service that gave me a ton of benefits and bonuses including Identity Theft Protection. So I said to myself, well the other one is only $9.95 a month. To give them the benefit of the doubt I called the current I.D. Theft carrier and asked how much coverage do I actually get. Again they went on and on about how all my legal expenses are paid. I had to dig it out of them, but finally got the answer. It covered me up to $2,500. I couldn't believe what I heard. I asked them to repeat it. I got it right the first time--$2,500 maximum as a reimbursable loss.

I said to them, "Cancel it." They tried to stop me and offered to send me the benefit book. I said, "No, just cancel it." So they did.

At this point I would like to explain what identity theft is. It is a crime. Identity theft and identity fraud are used interchangeably, but it's the same thing. It's when someone wrongfully obtains and uses another person's personal data in some way that involves fraud or deception. It is typically for economic gain.

As a victim you are left with a ruined credit history and the time-consuming and complicated task of regaining financial stability. These identity thieves also now have the ability to use your good name for criminal activities. So on top of a bad credit record record, loss of time, and expenses and lots and lots of money, the victim can end up in jail for criminal activities. Oh boy.

In fact, millions of people fall prey to these types of criminals each and every month.

I mentioned earlier that I cancelled this important coverage through my credit card company because I was able to get it through another source. This is the Identity Theft Protection I replaced it with:

Expense Reimbursement
- Up to $25,000 per policy period
- Lost Wages in the amount of $500 per week for 4 weeks included
- $100 deductible per policy period

Toll Free number to consult with someone about your problem.
- Unlimited number of 30-minute telephone consultations with a trained Fraud Resolution Specialist

Within 48 Hours
- A Fraud Resolution Specialist will perform a 10 step Fraud Resolution Emergency Response which includes assisting members with reporting fraud to credit bureaus, creditors and authorities

An I.D. Theft Emergency Response Kit & ID Theft Preventative Education

Legal Matters--Not Just pertaining to Identity Theft
- A 25% rate reduction on numerous legal matters such as:
--Traffic Ticket Defense
--Uncontested Divorce
--Real Estate Closings
--Small Business Incorporation
--Collection Letters and Bankruptcy Proceedings

Plus there are other benefits I'm not going into here.

You can find out more about this benefit and the rest of the benefits involved by going to:
http://www.myebizsecret.com/?ac=600266

You will have a choice of getting all the benefits involved and paying a monthly fee, or being about to make this a business for yourself, (no insurance license necessary), and earn money for yourself in addition to getting these benefits. It's up to you.

Regards,

Helene Solinga