Also be aware that you cannot add children to a LifeLock identity theft protection plan without an additional cost. There are a few areas where LifeLock stands out among its competitors, but there are also some areas where its products are lacking. LifeLock has one of the best money-back guarantees that we have found in the business, with a full 60 days to try their annual plans before you commit to an entire year of service. LifeLock also comes with the added benefit of Norton antivirus software with most of their plans, which can be immensely helpful if you want additional protection for all of your devices.
This plan includes all the identity theft protection benefits you would expect plus monitoring of credit reports and scores from all three credit bureaus. Plans from Identity Guard also start on the low end when compared to competitors, which is a major bonus for those who want basic protection without having to pay too much.
Details Identity Guard offers highly rated ID theft protection that can be purchased for individuals or families. For individuals, they offer three main plans—the Value plan includes basic identity monitoring, the Total plan includes identity protection and credit monitoring and the Ultra plan includes premium identity protection and credit monitoring services.
If you only want basic coverage, the basic plan offers dark web monitoring, a risk management report, safe browsing tools and an anti-phishing mobile app. However, you can also opt for the pricier Ultra plan that includes extras like monitoring of all three credit bureaus, tax refund alerts, credit scores and reports and address monitoring. IdentityForce offers protections for individuals and offers one of the most simple plan structures available.
They offer only two different plans: one with credit monitoring and one without. Plans for individuals and families include most of the major protections you could want, from medical fraud protection to dark web monitoring. Details IdentityForce offers identity protection services for both individuals and families, which makes this provider somewhat unique.
There are plenty of identity theft protection plans available today, and it might help for you to compare several providers to see which one might work best for your needs and your budget. Also be sure to do the math after year one in order to avoid a nasty surprise on month Identity theft protection companies keep an eye on your accounts and your credit report in order to spot the early signs of fraud.
Some plans also provide alerts that let you know when accounts are opened in your name, and many identity theft protection companies include protective insurance benefits that can help reimburse you for losses due to certain types of fraud.
LifeLock does not offer family plans, but you can purchase a LifeLock Junior plan for each of your kids after you buy an individual plan. Each of your credit reports from the three credit bureaus—Experian, Equifax and TransUnion—may have different information.
Identity theft insurance can help reimburse you for financial losses when funds are stolen from your accounts. Without this insurance, you may be left covering losses caused by fraud on your own. LifeLock offers one of the best money-back guarantees in the business with its annual plans. Holly Johnson is a credit card and travel expert with a focus on rewards and loyalty programs and family travel in Europe and the Caribbean.
Follow Johnson on Twitter, Facebook, or Instagram. She's a credit card enthusiast and digital nomad who has leveraged credit cards to travel around the world for next to nothing, often in style. Prior to working for Forbes, she contributed to other leading publications in the credit cards and rewards space. She would like to visit every country and try as many different local culinary specialties as possible.
Select Region. United States. United Kingdom. Lifelock Review Updated: Apr 15, , pm. Holly Johnson Contributor. Caroline Lupini Editor. Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations. Our Verdict. LifeLock 4. Our ratings take into account a product's rewards, fees, rates and other category-specific attributes.
All ratings are determined solely by our editorial team. Best Money Back Guarantee. Plan Costs. Lifelock offers a trial in which you may sign up and use all the protection they offer to assure that when your id is stolen and you may not know that until it is too late Lifelock will immediately notify you and take action to stop the steal and protect you from any further intrusion.
Protect yourself. I have been pleased with the monitoring of my accounts and personal information after having been exposed in the Equifax security breach about four years ago. Life Lock started an investigation. My only disappointment has been no follow-up communication from Life Lock about the investigation. I have used both telephone and online communication with Life Lock on additional measures I could take to better protect my financial and personal information. I received very good service and response to my inquiries and I have taken additional steps too for more security as a result.
The process was very easy to understand, and make choices to make sure my identity was safe and under a great company to trust with such situations. Thank you very much. I would definitely recommend your service to my friends. Have always had good interactions with them.
Even when I call your staff is always very pleasant to speak to. As while as handle any issues I might have. And in a very timely matter. I have been a Lifelock customer for years. I received an email renewal special for Two different calls, totalling over one hour and the support team will charge me I asked several times to talk to a supervisor and rep was unwilling to transfer. I offered to forward the email to them, but they said no. This is true bait and switch.
I wonder if they get a bonus on renewal dollars? I denied a Lowe's credit card and was denied because I was deceased. Someone at one time was using my identity.
Norton's help desk had me on hold for 45 minutes and they couldn't help me, I was put on hold a couple of times and my problem was never resolved. I told them I wanted to cancel them and they continued to pull out of my account. I'm still struggling to get my money back. Up to today, my problem hasn't been resolved. Help desk is the worst I've ever had to deal with. I have been a member of LifeLock for many. The service has gone terribly downhill. I recently had to call regarding a monitoring issue.
The email I received, as well as the "red" alerts on my account on the website clearly stated my accounts were not being monitored because they were no longer connected.
I called multiple times since I was unable to reconnect them myself on the website. Since they joined with Norton I find the website has not been as user friendly.
Not one agent was able to help me. And at the end of the conversation each one said "It must mean your accounts are connected". Can they be the any more incompetent. I finally was able to correct the problem myself and magically I received over alerts dating from the last date they monitored to yesterday.
Furthermore, in the case of large-scale data breaches, victims are often offered one or two years of free subscriptions to an identity-protection service. If you find yourself in such a position, take the offer, as long as it doesn't restrict your ability to take civil action against other involved parties.
The free coverage won't guarantee that your identity won't be stolen, but it can't hurt. However, two services that are frequently offered in such instances, AllClearID and ProtectMyID, rated poorly in our reviews and we cannot recommend paying for them.
For those who already are the victims of identity theft, such services are useful in that they help mitigate the damage. However, it's even more important for victims of identity theft to file police reports and complaints with the FTC, because that will help in future legal matters.
For credit-card theft and resulting fraud, identity-protection services are mostly useless. Almost every American adult has had a credit-card number stolen. They just don't know it, because the banks and other card issuers catch the theft and fraud quickly. The consumer will almost never be on the hook for fraudulent charges stemming from a stolen credit card, and will rarely be liable for charges stemming from a stolen debit card. If you don't know of any active threats to your identity, but still want to protect it, there are a couple of things you can do for absolutely free.
First, check your credit report. Each of the three major reporting agencies — Equifax, Experian and TransUnion — lets you get one free credit report per year. But because they essentially contain the same information, you can get a fresh report every four months if you cycle through the agencies yearly. Second, ask one of the agencies to place a day fraud alert on your credit file.
The agency you contact will notify the other two. You'll be notified of everything that happens over the next three months, and most of it will be really dull. If you like what you see, and feel it makes you safer, ask again every three months. Paul Wagenseil is a senior editor at Tom's Guide focused on security and gaming. Paul Wagenseil is a senior editor at Tom's Guide focused on security and privacy.
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