Change Debit Card Every Year...

Doesn't sound like an insurance thing, but it is, in a financial sense. Change your debit card every year. Here's why:

• Prevents ID Theft locally
• Prevents ID Theft online, if you've been using it online
  
• Determines EXACTLY what's being drafted automatically, so you can control it

I'd do this with your credit cards too.

If you haven't had your ID stolen, don't worry, you will. Stay ahead, and change it up every year.