About the author: Randy Taylor has completed an additonal 20 hours of cotinuing education on Identity Theft in 2012. He  has  been an insurance  agent with over 20 years of experience advising consumers on insurance decisions and an additional 10 years of experience advising insurance brokers, stock brokers  and financial planners.  Quoted in Forbes in 2012 
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Life insurance and I.R.A. Account Specialist
Serving clients and brokers since 1983
(916) 601-5270


Identity Theft Coverage:  Do I need it?  What if I  am already invaded? How  do I solve  the problem?
Identity Theft
 The fastest  growing crime in the world: I already have a plan, why would I be concerned if my bank or identity theft plan reimburses me for the loss?
The Answer
Identity theft  can include a lot more than simply someone purchasing  items without your permission or draining your bank account.The problems include but are not limited to:
    1.) Time loss in correcting errors or restoring credit:  The estimate from Laws .com is that it takes from 
as little as 3 to as  high as 5,800 + hours to resolve  the  more serious problems.
    2.) Your social security account or your veterans benefits could be affected which could take professional help to resolve.
    3.) People have also had their M.I.B. bureau account  hacked and  have even had their Veterans benefits
invaded and used  fraudulently.
The Limitations of Most Plans: 
 First of all  if your only concern is to get reimbursement for illegal purchases etc.; then your bank or credit card company might  do that for you at NO additonal cost. Therefore many plans are not addressing  the real problems:  Compromised credit and hundreds of hours of lost time for letters and phone calls that need to be made.

My Specific recommendation for many people: 
 The world’s most respected risk management company; Kroll which investigated Sadam Hussein’s bank accounts for the Kuwaiti government can be  a partner to help  you for as  little as under $10.00 per month.
   How does this work? You secure a membership from a national company, Legal  Shiedl formerly Pre-Paid Legal with a simple month to month membership.When you have an identity theft issue; you simply call Identity Shield..They send  you a limited power of attorney; send the letters, make the phone  calls and you then have  a team of experts investigate your problem, and restore  your credit to where  it was 60 days prior to the problem.
I own this plan  myself and  have been in the insurance business for over  30 years and after a careful review; decided to purchase the plan for my own  use  and I  recommend it to all of my clients.  You will of course
want to review the package after purchase since this article is submitted for entertainment purposes only.
Should you purchase a  plan; you will have  time to review it with a specified refund period.
Please call or message me on Facebook for more  information..
This article can be re-distributed if NOT altered in any way.
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Life insurance and I.R.A. Account Specialist
Serving clients and brokers since 1983
(916) 601-5270
Identity Theft: A Solution, for Victims (916) 601-5270
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