Last Updated: October 7, 2021
- Credit monitoring: Yes
- Insurance coverage: Yes
- Multiple devices covered: Yes
- Dark web scanning: Yes
- Cyberthreat protection: Yes
- VPN: Yes
- Mobile alerts: Yes
- Customer support: Excellent
Comprehensive identity theft protection for individuals
- Comprehensive monitoring
- Excellent customer service
- Up to $1,000,000 support for legal services
- Not many features in the base plan
- Low insurance coverage for lower plans
- Expensive family coverage
LifeLock is headquartered in Tempe, Arizona, and has been providing identity theft protection services since 2005. In 2017, the company was purchased by Symantec, the cybersecurity giant known for Norton antivirus. Since then, the parent company has changed its name to NortonLifeLock, signifying the two leading brands’ combined power.
Many user-written LifeLock reviews have consistently rated the service very high for its comprehensive security suite, including several critical monitoring and alert features. This offering has only increased with the Norton partnership. Our LifeLock review will examine key features and compare it with a competing service to decide if it’s worth your time and money.
To ensure protection against identity theft, LifeLock comes with some fantastic features, including:
Monitoring and Alerts
When choosing an identity theft protection service, it’s essential to look at the range of monitoring options it provides. LifeLock identity theft protection has one of the most comprehensive detections and alert features in today’s market.
All LifeLock plans monitor the use of your Social Security number, name, date of birth, or address in applications. These types of personal data are frequently used in identity frauds, and you are alerted if any misuse is detected. The software also monitors credit at Equifax and scans the dark web for your data.
The most comprehensive protection comes with LifeLock Ultimate Plus. In addition to the primary monitoring, you get 401(k) investment alerts, home title monitoring, sex-offender registry reports, file-sharing network searches, and bank account takeover warnings.
You also get LifeLock credit monitoring with all three major credit bureaus—Equifax, Experian, and TransUnion—along with monthly credit score tracking.
While detecting fraudulent activity and alerting you is helpful, the service must back it up with full recovery services. If you face identity theft, LifeLock provides you with a US-based identity restoration specialist to resolve the issue. If needed, it also assists in hiring the right lawyers.
As part of LifeLock’s restoration assistance, you are entitled to a financial protection package. The amount varies across LifeLock membership tiers and sits between $25,000 and $1,000,000 per user per annum.
Cyber Threat Protection
Norton is widely recognized for providing quality digital security products. One of the most significant advantages of LifeLock is getting access to all Norton features for tiers above the Standard membership. Your devices and internet connection will stay protected from malicious software and cyber threats, including phishing attempts and online scams.
Many internet users like using a virtual private network (VPN) for online security. A VPN service complements identity theft protection by providing safety when entering critical data like personally identifiable information.
That concludes the service’s main features. Now, let’s look at what else it offers in its subscription plans.
ID Theft Insurance
In most cases of identity fraud, the crime is detected after it has already taken place. To counter any loss suffered due to identity theft, the best protection services provide sizable insurance coverage. LifeLock offers a tiered identity theft insurance plan to all its members.
The insurance is capped at $25,000 per member per annum on the LifeLock Standard and Select plans, while the maximum amounts for the LifeLock Advantage and Ultimate Plus plans are $100,000 and $1,000,000.
The insurance covers reimbursement for stolen identity, stolen wallets, and unauthorized funds transfers. Additionally, members across all plans are entitled to the LifeLock Million Dollar Protection Package, which is capped at $1,000,000 per member per annum for legal costs and remediation services costs.
LifeLock’s app for Android and iOS gives you peace of mind when on the go. Just like the desktop dashboard, the app is easy to use. All information is easily accessible, and using its features doesn’t have a steep learning curve.
The main features include push notifications, the user’s option to respond immediately, in-app calling to access member services, quick access to credit score, and a smooth overview of all areas being monitored by LifeLock.
Other users seem to agree with our opinion. At the time of writing this, the app has a 4.5 score on the Google Play Store and a 4.6 on the Apple App Store.
Customer support is another area where LifeLock scores very highly. Apart from email, it offers 24/7 phone and live chat support to members. Plus, there’s a link on the Contact page for quick reporting of potential security issues.
Members also get access to a portal for self-service options and quick answers to common questions. In addition to that, the LifeLock website has a searchable support center with a detailed FAQ.
Overall, the totality of these services is better than most competitors. This is confirmed by user-written LifeLock reviews, who regularly mention the prompt and useful customer assistance as one of the service’s highlights.
LifeLock offers three memberships:
- Select: $9.99/month for the first year, $14.99/month after that, or 8.29 month/paid annually
- Advantage: $19.99/month for the first year, $24.99/month after that, or 15.99 month/paid annually
- Ultimate Plus: $29.99/month for the first year, $34.99/month after that, or 24.99 month/paid annually
For each plan, you can add coverage for children for an additional $5.99 per month.
All LifeLock plans come with a 60-day money-back guarantee. The service doesn’t have a free version, but it does offer a 30-day free trial for the Select, Advantage, and Ultimate Plus plans.
LifeLock vs. Identity Guard
Identity Guard is one of LifeLock’s main competitors. To match the benefit of LifeLock with Norton, Identity Guard has the advantage of partnering with IBM Watson, the world’s most well-known artificial intelligence system. This service helps Identity Guard to detect identity theft and data breaches through data mining and risk evaluation.
Let’s take a look at the differences between the two services in more detail.
|Monthly fees (paid annually)||Three plans, starting at $8.29 for the first year; $5.99 for adding children||Three plans, starting at $8.99 (individual)/$14.99 (family)|
|Additional security package||Norton||IBM Watson|
|Credit monitoring||Included in all plans||Included in the top two plans only|
|Theft insurance||Included in all plans, starting at $25,000||$1 million for all plans|
|Multiple device coverage||Included in all plans||Included in the family plans|
|PC cloud backup||Included in all plans||No|
|Customer service||24/7 by phone, chat, and email||Monday – Friday: 8 AM to 11 PM; Saturday: 9 AM to 6 PM; Sunday closed (All times EST)|
The top two plans’ monthly fees are the same for LifeLock (after the first year) and Identity Guard. The identity theft protection features offered by both are the best in the industry.
In terms of additional security features, there is also no clear winner. If features like credit report monitoring with the base plan and 24/7 customer service are essential to you, LifeLock would be the better option. On the other hand, Identity Guard offers higher insurance coverage for its lower plans and uses AI technology.
LifeLock Review – Verdict
LifeLock reviews regularly rank it among the top identity theft protection services, and we can see why. LifeLock’s features are at par or better than its competitors. The only issue in this regard is that to benefit from the full suite of features, you will have to opt for the more expensive plans.
While pricing may seem expensive, you do get Norton included with this service, giving you theft protection, cyber protection, VPN, and password management in one package. LifeLock also scores high on customer support and the user-friendly interface.
However, there are issues with the fees. The increased costs from the second year, additional charges for including children, and the need to purchase a separate plan for your spouse can make it rather pricey. On top of that, the LifeLock Standard plan lacks many features, and the insurance coverage for this subscription is relatively low.
Finally, LifeLock’s identity restoration services are available only during business hours, which is a significant problem as thefts can occur at any time and require a prompt response.
Given these issues, LifeLock is far from perfect. But its many plus points outweigh the negatives. Our LifeLock review has found the service to be among the best in the market for identity theft protection.
Yes, LifeLock provides Social Security number alerts under all its plans and thus helps protect your SSN.
Yes, LifeLock provides bank account and credit card activity alerts under its top two plans.
LifeLock has three membership plans, which start at $8.29/month for the first year ($14.99/month after that) and go up to $29.99/month ($34.99/month after the first year). Adding a family member or child comes at an additional cost.
Yes, our LifeLock review confirms it to be among the best identity theft protection services in the market. Depending on your needs, it can be a worthwhile investment.