If you are using the "smarts" of your smartphone, the biggest risk in a lost or stolen phone is exposure of your data to malicious use. Apple has the excellent Find iPhone which can help in recovering your device. If this fails, it can protect your data using its lock or erase functions.
For Android & Windows phones, try this:
http://howto.cnet.com/8301-11310_39-57519173-285/how-to-lock-down-and-find-android-and-windows-phones/ / Enable screen lock sign up find my phone remote erase remote-erase option smart phone site app Lookout FoneHome lockscreen loss thief lose steal stolen thieves theft Find My Phone Face Unlock face recognition passcode protect Lookout Plan B Google Maps map scream lock remotely wipe live account register battery dead flat discharged /
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