They do have a guarantee that they will help you restore your identity. That is the bread and butter.
I have had them for many many years.
I do recall some times when I did something new- internet service, new cell service, where they actually called me - immediately- to verify the identity of the person opening the account. They use more sophisticated methods nowadays as well.
It literally makes me burst out laughing. Imagine it, guy goes into a Best Buy to buy an 80 inch TV claiming to be Trump. Guy tries to file taxes claiming to be Trump. I mean holy bejeeburs. The scenarios would make a great comedy reality show. Who would believe Trump needs Best Buy credit for that $2500 TV. Berny Hillary or Cruz voters maybe?...... but I doubt it. You would have to be as dumb as a bag of hammers with the IQ of every person on the planet subtracted from that bag. I bet Bushmen of the Kalahari know who Donald is. You would have to be in an uncontacted tribe of pretty much stone age people. The hell that would rain down on someone who cheated that tribe in Donalds name..... I would honestly pay to see it.