If your identity hasn't been stolen yet, chances are it will bein the near future.

That's the troubling reality of the digital world we livein.

According to a recent report from Javelin Strategy &Research, one American falls victim to identity fraud every twoseconds on average, and the overall number of identity crimevicitims is up from 500,000 in 2012 to more than 13 million in2013. Toss in the recent data breaches at Target, NeimanMarcus and others and the odds of an identity crime hitting yourpersonal bank account jump exponentially.

That's no joke.

[Related: P.F.Chang's IDs 33 restaurants hit by data breach]

The good news is, as the opportunities for identity theft haveincreased in recent years, so have the tools at our disposal toprotect ourselves. And you're starting to see these protectionsseeping into much of the financial services industry as well.Identity protection features are now almost standard issue at banksand, yes, insurance companies, designed as much for clientretention as for data security at the institutional level. Afterall, when you're taking steps to protect each and every client onyour rolls, protecting the entire business as a whole becomes thatmuch easier.

Competitive intelligence firm, Corporate Insight, recentlypolled five of the largest insurers in the U.S. to find out whatidentity protection features they offer their clients. Clickthrough the following pages to review their findings.

Nationwide

Customers who purchase Nationwide's Identity Theft SpecialityInsurance coverage can take advantage of the following:

- Access to a special identity theft hotline for personal, 24/7help in the event of a breach.

- Up to $25,000 in expense reimbursement to cover losses due toidentity theft.

- Access to an optional credit monitoring service for morereal-time protection.

- Services that put users in touch with local financial advisorsin the event of a data breach.

USAA

- Optional ID Theft Coverage is available as part of USAA'sRenters' and Homeowners' Insurance plans, adding $5,000 worth ofcoverage to the existing policy.

- The firm has also partnered with Experian to provide memberswith discounted rates on the credit bureau's credit monitoringservices.

The Principal Financial Group

- All group business life insurance customers have accessto a free identity theft tool kit, offered in partnership withlegal services company ARAG, that helps clients in the event of anidentity crime.

- Beyond that, all customers have access to an ID thefteducation page with tips on how to minimize personal risk.

Liberty Mutual

- Homeowners' insurance customers can purchase optionIdentity Fraud Expense Coverage which can be added for $35 or lessper year. The plan includes up to $15,000 worth of coverage peridentity theft occurance and $30,000 per policy period.

- The insurer also offers several pages of educational materialon its web page to help prevent identity theft and response to abreach.

MetLife

MetLife offers an optional product for individuals and familiescalled MetLife Defender that includes financial data protection,health data monitoring and online child safety features. Usersget:

- 24/7 live help to resolve any problems

- A $5 million service guarantee for any third-party servicesthat are needed in the event of a crime.

MetLife also offers free basic identity theft protection as partof its Auto and Home coverages. Educational content is alsoavailable on the firm's public site.