LifeLock (8 Reviews)

LifeLock (8 Reviews)

Pros Identity Protection | Plan Options (Individuals) | Accessible Customer Support | Mobile App

Cons Setup Process | No Family Plan

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Our Rating
User Rating
Pros

Identity Protection | Plan Options (Individuals) | Accessible Customer Support | Mobile App

Cons

Setup Process | No Family Plan

View Plans

LifeLock Review

As one of the most well-known companies in the industry, LifeLock provides comprehensive protection services that are hard to beat. Daily monitoring of financial accounts, credit report checks, and accessible customer support headline their package options. Do LifeLock’s services measure up to their reputation?

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LifeLock Pros

LifeLock offers three reasonably priced packages, each more comprehensive than the last. With strong customer support available 24/7 at the touch of a button and a strong guarantee, Lifelock certainly instills confidence in their customers. But in case there is a reason to worry, the mobile app allows a snapshot of the accounts.

LifeLock Cons

While Lifelock has great protection services, you might find it takes a while to set it up. This tedious process becomes even longer – and more expensive – if you are trying to protect other members of your family. Lifelock does not offer a family plan, but at least you’ll have more time to bond.

The Bottom Line

It might take a while longer than other companies to get covered, but the coverage you will get is top of the line. It’s hard to go wrong with any of the three options and with a monthly plan it’s easy to change your mind. If you do run into identity theft or other fraud-related problems, the mobile app and customer service provide plenty of support to make things right. U.S.-based representatives and experts handle claims anytime.

LifeLock – Identity Protection Trusted By Millions

When it comes to identity theft protection, LifeLock is one of the largest and better known of services. Like other identity theft protection services, LifeLock offers a broad range of tools designed to notify you of any suspicious activity on your credit and other files and to keep any damage from going unchecked. LifeLock is definitely a worthwhile option for guarding against identity theft, but the company has been involved in a number of controversies in the past that you may want to be aware of.

Identity Theft Protection

Identity theft is a growing problem, with a recent estimate showing that about 9 million Americans are victims of identity theft each year. Identity theft protection services are meant to protect you from this threat, such as by offering monitoring and automatic notifications about any unusual credit activity. Most services, including LifeLock, will also offer additional services, such as monitoring criminal sites for your name and Social Security Number (SSN), notifying you if a convicted sex offender moves into your neighborhood, and so on.

LifeLock Features

LifeLock offers three different membership tiers. With Standard Protection you get SSN and credit alerts, credit monitoring from one bureau, lost wallet protection, dark web monitoring, and up to $25,000 reimbursement for stolen funds, plus a few additional features.

The next tier, called LifeLock Advantage, includes everything in the Standard package, but personal expense protection is increased to $100,000 and you get notifications about suspicious activity on your bank and credit cards, crimes committed in your name, and data breaches. You also receive an annual credit score and report from one credit bureau.

The highest membership tier is called LifeLock Ultimate Plus and it includes everything that you get with the Standard and Advantage plans, along with $1 million stolen funds reimbursement, credit monitoring, scores, and reports from three credit reporting bureaus, 401(k) and investment activity alerts, sex offender alerts, monthly credit score tracking from Equifax, and more.

To be honest, while there are three tiers, only the LifeLock Ultimate Plus plan offers sufficient protection. The fact that the Standard and Advantage plans only include credit monitoring from one credit reporting agency is a major concern since each agency collects different information. If each one isn’t being monitored, then you are left vulnerable.

Actually, LifeLock has caused controversy in the past for its use of just one credit reporting agency. During the Equifax breach that exposed 143 million Americans’ personal and credit information to hackers, LifeLock went on a major advertising blitz, warning customers that their data may have been exposed by the breach. But what they failed to advertise clearly is that most of their plans rely exclusively on Equifax for credit monitoring and reports!

LifeLock Pricing Plans

If there is a major downside to LifeLock, it is that their plans do not come cheap. While its Standard plan is available for a very affordable $9.99 per month, as mentioned above that plan is insufficient for addressing most identity theft risks. Even its Advantage plan, which still falls far short of what would be considered basic protection, comes in at $19.99 per month, which is about what other services charge for their top-of-the-line protection. To get the Ultimate Plus plan, which is the only one that offers credit monitoring from all three bureaus (an absolute must for any identity protection service), you will have to pay $29.99 per month. If you want to add family members to your plan, then expect that price to climb even higher.

 

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LifeLock

How It Works

After reviewing your options on their website, you’re a few clicks away from coverage. Submit your personal information, make your payment, and download the app. When any fraudulent use is suspected, an alert will be sent to your phone and/or email. No matter where you are or when it happens, you will be able to start the recovery process immediately if something goes wrong. Their proactive approach allows you to monitor your credit and financial status all in one place, securing your identity and, perhaps more importantly, your peace of mind.

 

Plans & Pricing

The most basic package offered by Lifelock includes up to $25,000, increasing to $100,000, and then to $1 million as you increase your coverage plan. Plans for $9.99, $19.99, and $29.99 all offer lost wallet protection, credit monitoring, and SSN and credit alerts. The monthly commitment offers flexibility and affordability, allowing customers to protect themselves and their family from a variety of different identity threats.

Lifelock Standard

  • $9.99/mo
  • Covered under Service Guarantee
  • Up to $25,000 Stolen Funds Reimbursement
  • Lost Wallet Protection
  • Credit Monitoring
  • SSN and Credit Alerts

Lifelock Advantage

  • $19.99/mo
  • Covered under Service Guarantee
  • Up to $100,000 Stolen Funds Reimbursement
  • Lost Wallet Protection
  • Credit Monitoring
  • SSN and Credit Alerts
  • Bank and Credit Card Alerts
  • Data Breach Notifications
  • One Bureau Credit Score and Annual Report

Lifelock Ultimate Plus

  • $29.99/mo
  • Covered under Service Guarantee
  • Up to $1 million Stolen Funds Reimbursement
  • Lost Wallet Protection
  • Credit Monitoring
  • SSN and Credit Alerts
  • Bank and Credit Card Alerts
  • Data Breach Notifications
  • Three Bureau Credit Score and Annual Report
  • Bank Account Takeover and New Account Alerts

LifeLock is known for their exceptional customer service. Hold music is annoying even without the stress of dealing with identity theft, but LifeLock has several ways to get in touch with them, ensuring a timely and efficient response. Whether you contact them on the phone, through the app, or on their detailed website, you will be sure to have a positive experience despite how overwhelming the situation might be.

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Latest Reviews

User Rating

Joe’s Review

Tuesday, June 26, 2018 at 5:15 PM

Life with Life Lock you get the unlimited coverage

User Rating

Pablo Ramirez ’s Review

Tuesday, June 26, 2018 at 5:15 PM

get this product! Fantastic and a life saver! Literally!

User Rating

Derek’s Review

Tuesday, June 26, 2018 at 5:06 PM

I whatched the whole video I might have to get lifelock

User Rating

Yolanda’s Review

Tuesday, June 26, 2018 at 5:06 PM

Seems like a good line of defense when it comes to adequate protection and the cost of membership is reasonable.

User Rating

Fredrick smith’s Review

Tuesday, June 26, 2018 at 5:06 PM

I would definitely consider buying this

User Rating

Ashley’s Review

Tuesday, June 26, 2018 at 5:06 PM

Thia was very informative. Lots that i did not think about. This is somwthing everyone should think of investing in to prptect themselvea