I personally do not like frames much. What I do is a simply put the include script at the top of a page that I want to make sure is secure, if they user has not logged in the page that I want to be secure will not execute and they will be redirected to the login page.
include 'security.php';
Security.php
if (!$_session['login'] == "true"){
header ("LOCATION: login.php");
exit();
}
that way you can always change your login system and not have to do it on 20 pages, just on the one, also it saves you from typing that all out everytime. I would recommend something like this.