Male   Female
  • How do I protect yourself from identity theft?
  • January 2, 2014
  • Protect yourself against identity theft; A growing problem

    By Karla Sullivan

    Almost daily, we will pull out that credit card for something whether it is to swipe at the nearest coffee shop, grocery store or pay a bill on line and it will never happen to us but most of us do know someone that has experienced identity theft.

    Maintained by the Federal Trade Commission, over 2 million identity theft and fraud complaints were filed in 2012 alone. And actually burglary and theft of a wallet, purse, personal identification cards or computer was up 73 percent. But the most common form of identity theft was government document and benefit fraud, which is using Social Security cards, drivers licenses, birth certificates, unemployment documentation illegally.

    No matter how theft is used whether it is smuggling drugs or committing crimes, they are using your identity to do it. Ultimately, there are steps you can take to protect yourself from any attempts at stealing your security and life.

    Passwords should be changed frequently and you should use a variety of symbols and numbers to make it more difficult for hackers.

    Personal information should never be shared in a crowded environment and never share your social security number where others can hear or see it.  Avoid repeating credit card information over the phone when others can hear the information as well. Avoid putting your social security number on anything but tax documentation.

    When shopping online look to shop on HTTP websites as well as the security yellow lock in the right corner of your computer screen.

    Watch you credit score if it changes quickly.

    Do not save any personal account numbers on your cell phone.

    Shred important documents.

    Lock any important identification numbers in a lock box.

    Check your financial statements on a regular basis.

    Make sure you use up-to-date anti virus protection for your computer.

    If you suspect that someone has stolen your identity, contact your bank, lenders and have them help you with the next steps. Contact your local police to establish a report on file.

    Identity theft insurance coverage is available that can cover the cost of obtaining credit reports, legal fees and generally it is an optional rider to your homeowners or renters policy. However, The National Association of Insurance Commissioners cautions that it will not cover monetary losses due to theft. Also many policies have a high deductible, which may match the amount of expenses paid anyway for the situation.

    Check with an insurance agent for the best solution.

  • Category: Articles Library, Company Profiles, Homeowners Insurance

Leave a Reply



Consumer Insurance Guide SM provides a wide selection of originally-authored articles and expert advice targeted to the self-directed insurance shopper. Our mission is to provide consumers with useful, money-saving information on all things having to do with making sound insurance purchase decisions.

Consumer Insurance Guide SM is owned by Life Quotes, Inc. 8205 South Cass Avenue, Darien, IL. For editorial, content feeds, advertising and lead purchase opportunities, contact Robert Bland at

Originally founded in 1984 as Quotesmith Corporation, Life Quotes, Inc. owns and operates and, two online consumer insurance information services that cater to the needs of self-directed personal and corporate insurance shoppers.

About Us  |   Contact Us  |   Press Releases  |   The Best Privacy Policy  |   Life Insurance  |   Careers
For Agents & Brokers  |   Site Map  |  

Copyright ©1984-2015 Life Quotes, Inc., 8205 South Cass Avenue, Suite 102, Darien, Illinois. Life Quotes, Inc. and certain of its personnel are licensed as insurance agents, brokers or producers in all states. CA agent #0A13858, LA agent #200696, MA agent #333509159. dba Life Quotes Insurance Services in CA under agent #0827712, in LA under agent #205078. dba Life Quotes Insurance Services, Inc. in UT under agent #90093. All rights reserved. Telephone (630) 515-0170. Founded 1984.