Personally, I think this is the best of the several solutions discussed:
Another way for clients to avoid new account fraud is to put a freeze on their credit report with all three bureaus, which prevents anyone else from opening accounts in their name. There is usually a fee for this, and if the client wishes to open an account requiring a credit check, the freeze will need to be lifted.
Source: Protect Your Clients From Identity Fraud
As for your surviving spouse and descendants, consider providing them with asset protection under your estate plan:
http://Protect.LIFE
