Table of Contents
- 1 LifeLock Overview
- 2 LifeLock Identity Theft Plans
- 3 How much does LifeLock cost?
- 4 How to buy LifeLock
- 5 How LifeLock compares to its competition
- 6 How we evaluate ID theft companies
- 7 Lifelock identity theft protection frequently asked questions (FAQs)
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$11.99 to $34.99 per month
$11.99 to $34.99 per month
On NortonLifeLock’s website
$11.99 to $34.99 per month
Pros & Cons
Identity theft is at an all-time high, with the Federal Trade Commission logging 1.4 million reports of identity theft in 2021 — one case per every 237 Americans. The median amount of money lost to identity theft in an individual case was $500.
There are many ways identity thieves can use your information. They can target your credit and borrow money under your name. Worse yet, someone can give your information to the police if they get arrested for a crime, so you take the fall for their actions. Keeping tabs on your identity as an individual means combing through public records and even monitoring the dark web, which can be difficult on your own. That’s why it can be helpful to enlist the help of an identity theft protection service like LifeLock.
LifeLock is the identity theft protection service provided by digital security company Norton, most well-known for its antivirus software. At its best, LifeLock offers one of the more comprehensive identity protection services on the market. However, you will have to pay top-of-the-market prices for LifeLock’s best. Ultimate Plus, its most advanced offering, costs $34.99 per month.
On the other hand, at $11.99 per month, LifeLock Standard doesn’t offer much for its price compared to similarly priced identity theft protection services. For example, the standard plan only provides credit monitoring for your Equifax credit report.
Ultimately, you should look into LifeLock if you want heavy identity theft protection and are willing to pay for it. For any other needs, it’s best if you keep looking.
LifeLock Identity Theft Plans
LifeLock offers three plans: Standard, Advantage, and Ultimate Plus. Each ascending tier offers everything the last plan provided, with additional features.
Cost: $11.99 monthly or $124.99 per year
Being LifeLock’s basic plan, for $12 per month, LifeLock Standard comes with ground-level identity theft protection.
- Social security alerts and credit monitoring: Triggers when LifeLock detects fraudulent uses of your social security number and other personal information for credit or other services. LifeLock Standard also includes credit monitoring from Equifax. It’s worth noting that some free credit monitoring services will monitor one credit bureau for free.
- Stolen wallet protection: If your wallet gets stolen or lost, you can call LifeLock, and they will help cancel or replace the various cards you had in there, such as credit cards and debit cards, insurance cards, and social security cards.
- USPS address change verification: People may target your mail to gain access to your personal information. LifeLock notifies you when someone files an address change request for any mail you expect.
- Dark web monitoring: Dark web monitoring identifies any of your personal information changing hands over dark web sites, which is very hard to do on your own.
- Identity theft insurance up to $25,000: The standard plan also offers $25,000 in reimbursements for stolen funds and up to $1 million in coverage for lawyers and experts.
Cost: $23.99 per month or $239.99 per year
LifeLock Advantage builds on the services that the standard plan provides.
- TransUnion identity lock and reports: LifeLock Advantage gives you access to a monthly credit report and credit score from TransUnion. You can instantly lock and unlock your TransUnion credit report. Credit locks are similar to credit freezes, which the three major credit bureaus must provide for free. While these are the same service, the lock is instantaneous while there is a delay period between when you make a credit freeze request and when your credit actually freezes. It’s a slight quality-of-life improvement, but an improvement nonetheless.
- Payday loan lock: Someone with your personal information may go to a payday loan provider to take out money under your name. These loan providers usually don’t do a credit check, so they’re often hard to identify.
- Criminal activity monitoring: Monitors any crimes committed in your name.
- Financial account monitoring: Building off the credit monitoring that the Standard plan gives you, Advantage provides monitoring of your financial accounts including credit, checking, and savings accounts.
- Phone takeover monitoring: LifeLock Advantage monitors your phone account, preventing bad actors from making phone calls using your number and gaining access to the online accounts linked to your phone number.
- Identity theft insurance up to $100,000: LifeLock increases their reimbursements to $100,000 for any money lost to identity theft and the same $1 million in coverage for lawyers and experts.
LifeLock Ultimate Plus
Cost: $34.99 per month or $339.99 per year
LifeLock’s densest plan and its most expensive, Ultimate Plus offers comprehensive security at a premium price. It’s not only the most costly plan that LifeLock offers but is also more expensive than most identity protection services. Here’s everything Ultimate Plus adds to the previous plans.
- Tri-bureau credit monitoring: Ultimate Plus finally adds the other two credit bureaus to its monitoring plan. Additionally, those monthly credit reports and scores from TransUnion can be accessed daily. You can also access your credit reports from the other two bureaus once per year.
- 401(k) and investment alerts: Adding to the checking and savings account alerts, Ultimate Plus alerts you to changes in your 401(k) and investment accounts.
- Home title monitoring: Ultimate Plus locks down your housing records so no information related to your title is used against you. It also prevents identity thieves from using your home equity to take out a loan.
- Social media monitoring: LifeLock monitors your social media accounts for changes to your settings or unusual posting activity. It can also monitor your child’s social media accounts for cyberbullying, hate speech, and explicit content.
- File-sharing network searches: Scans file-sharing networks to see if any of your personal information is available on these sites.
- Sex offender registry searches:Like criminal activity monitoring, LifeLock scans the sex offender registry for your name and personal information.
How much does LifeLock cost?
LifeLock plans are cheaper when you pay annually instead of monthly. Prices range from $124.99 to $339.99 yearly and $11.99 to $34.99 monthly without any discounts. However, you can usually find various LifeLock discounts from promo codes or on the LifeLock site. Additionally, AARP members are eligible for up to 66% off Norton 360 memberships, which include LifeLock services.
How to buy LifeLock
Buying LifeLock starts with identifying the plan for you, whether you want basic identity theft protection or something more comprehensive (albeit more expensive). Regardless of your choice, you should start with the 30-day trial, where you see which offerings you’d actually use from LifeLock. You should also get a feel for the layout and user experience. If you never use LifeLock, you’re throwing that money away.
When you sign up for the 30-day trial, you need to put in all the information you’d give if you were buying the product up-front. You’ll have a chance to add any family members to your plan before you add credit card information. You should also be prepared to add your social security number, date of birth, and phone number.
How LifeLock compares to its competition
Here’s a breakdown of how LifeLock compares with the services listed on our best identity theft protection services list.
It’s worth noting that paying for an entire year upfront can save you money though not all services offer annual subscriptions. Though you can also access various discounts for these services, LifeLock is still the most expensive product by a significant margin.
How we evaluate ID theft companies
We evaluate an identity theft protection service based on the features it offers and the price you pay for these features. We compare these prices and features with the prices and features of other identity protection services on the market.
For example, when looking at LifeLock, we can compare the Standard plan with Aura, a credit and identity monitoring service that costs $12 per month, with monitoring available with all three major credit bureaus. Compared with Aura, LifeLock doesn’t actually offer all that many features even though the two services have comparable prices.
Lifelock identity theft protection frequently asked questions (FAQs)
Yes, LifeLock offers a 30-day free trial period to test it out. Once that free trial ends, your account will auto-renew into the paid version. If you decide that LifeLock isn’t a good fit for your needs after your free trial, you must manually cancel your LifeLock subscription.
You can cancel LifeLock anytime, but whether you will get a refund is a different question. This gets tricky. Officially, you can get a full refund if you request it within 60 days of the renewal billing date of the annual LifeLock subscription and within 14 days of the renewal billing date of the monthly plan.
For the yearly plan, your refund will be prorated for the unused months of LifeLock. However, many customer reviews left on LifeLock’s Better Business Bureau page cite difficulty getting a refund even if they’re canceling their subscription within the refund period.