I am a subscriber of this. I know as a consumer you can do the fraud alert, but it’s the insurance of the one million to assist you if your identity is still stolen. I think this is one of those minor luxury’s in life that we can do ourselves but pay to have someone else do it for you. I take my car for $10 car washes, I don’t change my own oil, but this one is more important to help protect your assets. I’ve heard many people in the past that have something associated with identity theft, and the hassle associated with repairing the damage, does cost you. This is just my personal opinion and I feel it is worth it.