How to Cancel Zander Insurance Identity Theft Protection in 2026

Updated February 2026 • Difficulty: Easy • $6.75-18.75/month

Zander Insurance is the identity theft protection plan famously recommended by Dave Ramsey. It's not a scam — it does provide monitoring. But free alternatives now cover most of what Zander charges $75-225/year for.

How to Cancel

1. Call 1-800-356-4282 (customer service)
2. Tell them you want to cancel your identity theft protection plan
3. They may offer a discount — decline if you've decided
4. Ask for cancellation confirmation via email

You can also email their support team or log into your account to request cancellation. Phone is fastest — typically takes under 10 minutes.

What You're Paying For

• Individual Plan: ~$6.75/month ($81/year)
• Family Plan: ~$12.90/month ($154.80/year)
• Premium Plan: up to $18.75/month ($225/year)

Zander provides credit monitoring, dark web scanning, $1M identity theft insurance, and a restoration team if your identity is stolen. The question is whether you need to pay for this.

Free Alternatives That Cover the Same Ground

• Credit Karma — free TransUnion + Equifax monitoring with alerts
• Experian Free — free Experian credit monitoring + dark web scan
• Your bank — most major banks (Chase, Citi, Discover, Capital One) include free credit monitoring
• Credit card zero-liability — all major cards already protect against fraudulent charges at $0 cost
• IRS Identity Protection PIN — free, prevents tax return fraud (the most damaging type)
• Credit freeze — free at all three bureaus, blocks new account fraud entirely

The Dave Ramsey Factor

Zander is an advertiser on the Dave Ramsey Show. That doesn't mean it's bad — but the recommendation comes with a financial relationship. Zander is a legitimate company, but you should evaluate it on merits, not endorsement. In 2026, free monitoring tools are significantly better than they were when Ramsey first started recommending Zander.

When Paid Protection Actually Makes Sense

If you've already been a victim of identity theft, paid services with dedicated restoration teams (Zander, LifeLock, Aura) can save you dozens of hours of phone calls and paperwork. For prevention alone, free tools are sufficient.