AllClear ID is a good identity theft protection service that hosts several essential features and some unique benefits not found in any other service we reviewed. The company offers a good service for anyone interested in protecting their identity. If you're looking for a full-service protection service for your good name, AllClear ID is a viable option, particularly if you're looking for added security and insurance.

AllClear ID monitors your credit at all three credit bureaus and alerts you via patented secure phone technology if there is activity detected so that you can immediately verify if it is legitimate or possible fraud. When you receive the secure alert call, after verifying your identity, AllClear ID provides you with the name of the bank or creditor and the specifics of the activity. If after listening to the details you feel the change is legitimate, you can press the 1 key on your phone and end the call. However, if you think the activity is fraudulent or suspicious, you can push the star key on your phone to be directly connected to an AllClear OnCall Investigator. The investigator will immediately begin looking into the matter and will work with you until it's fully resolved. This is the only identity theft protection service we reviewed that includes the PIN and voice verification features, and it is the only company with patented technology to deliver these secure alerts.

This company protects your good name and reputation with help from its trained team of incident response specialists. In addition, the $1 million identity-theft insurance policy that AllClear ID provides, which is underwritten by AIG, covers certain fees, lost wages and fraud losses related to recovering your identity.

You can contact the AllClear OnCall Investigators with questions at any time, and they can guide you through additional protections such as ordering your free annual credit report, signing up for junk mail reduction and ordering other free reports like your employment history.

With regard to what information is actually protected, AllClear ID is a bit limited compared to some of the other services we reviewed. The company protects your full name, social security number and credit card information, as well as your address and phone number. However, AllClear ID offers actual insurance that reimburses you for losses, whereas other identity theft protection companies only provide a service guarantee, meaning they will spend up to a certain amount to help you but will not reimburse you for your total losses.