I am a systems administrator who has no experience with this product. Looking for informed and objective opinions on efficacy, competetive products and general opinion. Much thanks in advance

I do not think much of the product - it is like extended warranties, credit card protection, and other 'scams'. If you are really worried about protecting yourself against fraud or identity theft, call the credit reporting agencies and freeze your account. When you want to take out a loan or whatever, call and unfreeze it.