Partnered with Pre-Paid Legal, Kroll does not claim to prevent thieves from obtaining and misusing personal information ï¿½ that would be impossible. What they do offer; however, is a promise to monitor their customer's credit and quickly inform them of suspicious credit activity and fully restore their credit to its previous status. In conjunction with a legal plan ($3 more otherwise), the cost is $9.95/mth for monitoring through Experian or $12.95/mth for monitoring though all three companies. This plan covers the primary member and their spouse, a considerable difference from most companies that require a membership each.
My friend was a victim of IDT a few weeks ago and Kroll called to inform her before she even noticed. Her bank accounts were already drained and Kroll of course instructed her to freeze any other funds, which she did. Within hours, the thief also attempted unsuccessfully to drain retirement accounts and had secured a driver's license in her name. Without the identity protection, she would not have known about the financial theft in time to freeze several accounts and may not have become aware of the license until possibly the thief had a traffic accident that she became responsible for financially or criminally if it involved manslaughter, even involuntary.
This is where the legal insurance becomes necessary. It can cost a little as $17 for 24-hour access to quality attorneys across the United States, including Hawaii and not Alaska. This includes the primary member, their spouse, legal dependants age 21 or less, full time students age 23 or less (with documentation), and disabled dependants for life (with documentation).
Plan include:Will preparation including revision yearly for the primary member ($20 for spouse or dependants) ï¿½ we agree monthly revision would be excessive!Phone Consultations on Unlimited MattersUnlimited Contract and Document Review (up to 10 pages) One phone call or letter per (unlimited) subjectTwo business letters per yearYour lawyer will represent you against moving traffic violations (even in your absence) Your lawyer will defend you when you are charged with Manslaughter, Involuntary Manslaughter, Negligent Homicide, or Vehicular Homicide - I have not heard of any other insurance covering this!60 hours (Standard plan) of your Provider Lawyer's time at no additional cost when you or your spouse is named defendant or respondent in a covered civil or criminal action filed in a court of law. Your hours of legal service also increase over time.50 hours of your lawyer's time (including preparation and representation) in the event of an IRS audit25% discount on other services
I live in OR and was looking at PPL here. Coverage varies slightly as state laws are not the same. Further details under Plan Benefits:
As you can see, there is much more to the Pre-Paid Legal insurance plan than described in this article! Unfortunately, it doesnï¿½t seem like thorough research was executed here.The $25 price quoted probably comes from our Expanded plan, which offers additional court representation hours, not identity theft protection. I personally recommend the Identity Theft protection and the Standard plan because I doubt many people will need more.