The Blog Squad

Identity theft protection is something we should all have because we all get emails that want to steal our secret codes and passwords. You know the ones that have subject lines like: “Your Account Is About To Be Closed,” “There’s A Block On Your Account,” “Could You Help Me Claim My Funds,” or my all-time favorite “Congratulations – You’ve Won The UK Lottery.” All of these and many others are phishing for identity theft information to get at your money and bank accounts.

First and most important, DON’T FOLLOW THE INSTRUCTIONS IN THE EMAIL! If you think there might be a problem, access your account in question as you usually do on your PC and not with the link supplied in the phony email. Some email clients will show the url when you hover over the link so check it and be sure of where the link is going to send you.

I’ve had some very authentic looking email supposedly from banks, that even went so far as to copy the colors of the bank logo and stationery style. But, don’t fall for the scam. In fact, don’t even open the email, because many are just set to loose a virus program on your computer by being opened. Simply forward the suspicious email to the “spoof email” address supplied by your bank, or credit card company.

You need identity theft insurance because the use of modern conveniences such as online banking, credit cards and automated services comes the risk of falling victim to an elaborate identity theft scam. Every year, countless people have their identities stolen. This means that someone impersonates the victim in order to gain access to their bank account, use their credit card, or one of many other malicious activities. If you’re the victim of identity theft, you’ll most likely experience a huge hassle when trying to pick up the pieces and re-establishing yourself and your credit.

This is why many people are turning to identity theft insurance to keep them safe from the countless threats of modern life. Identity theft insurance requires that you pay a small premium every month. In return, if you have your identity stolen, the insurance company pays for many things involved in the process of regaining your identity. This includes phone bills, mailing costs, lost wages, attorney fees, and other expenses. It’s hard to say whether the average person needs identity theft insurance. However, it is definitely a valid choice in some cases.