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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

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