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LifeLock Identity Theft Review

9.4
excellent
Sarah Pritzker

In a Nutshell

LifeLock combines online security with identity theft protection, making it one of the best all-around security software options out there. Together with Norton, LifeLock delivers device scanning, Social Security monitoring, and up to the minute alerts for comprehensive security across the spectrum via fast and easy to install software.

pros

  • 3-bureau credit monitoring
  • Up to $1 million reimbursement
  • 4.5 stars from 9,000+ reviews

cons

  • Have to pay more for Norton services
  • No family plan

LifeLock LifeLock Visit Site

A brilliant solution for:

  • Anyone who wants to keep their identity safe from lurking threats
  • People who use online services such as online banking or shopping
  • Anyone who uses a social media account regularly

How does it work?

LifeLock is a downloadable software that works quickly and efficiently from the moment you install it. After you sign up for a plan, you will be prompted to download and install the software (this is a click or 2, like any other app you’re used to installing).

Once installed, the proprietary technology scans databases to see if your personal information is being used. Depending on the plan you choose to sign up for, LifeLock also scans the Dark Web, monitors your accounts, and checks your credit report for any inconsistencies, issues, or possible problems. You will receive notification of any suspicious behavior via the contact method you've chosen. You can choose SMS, phone, or email alerts.

Then, LifeLock starts scanning your devices. Depending on which plan you get, you can install LifeLock on up to 5 devices, including laptops, home computers, and smartphones. Whatever device you have the software installed on will be protected. LifeLock scouts for personal information that you have around that leaves you vulnerable to identity theft. You’ll receive an alert from LifeLock if it finds anything questionable.

LifeLock device scans are continuous, meaning the software scans your devices all the time. Additionally, you’ll receive auto-updates of the software, so you are always protected against new and prevalent threats.

What does this service watch out for?

LifeLock offers 3 basic identity theft services (and we’ll dive deeper into each one below):

  1. Monitoring your personal accounts
  2. Sending notifications in case of suspicious activity
  3. Helping you recover in case of a breach

In terms of monitoring your credit, LifeLock is pretty exhaustive. Depending on which plan you sign up for, it includes monitoring:

  • Your credit report via all 3 of the major credit bureaus (Experian, Equifax, and TransUnion)
  • Use of your Social Security number or other personal identifying data
  • Applications for online loans (payday, etc.)
  • Unauthorized USPS address change
  • If your information ever shows up on the Dark Web
  • If your name shows up on an arrest or sex offender registry

At the most basic level, LifeLock monitors your Social Security number for any unusual activity. LifeLock will notify you if your credit changes, if a credit check is run on your name, and if a loan or other financial obligation is made on your accounts. You’ll also receive monthly credit report checks, but only if you’re signed up for the Ultimate Plus plan. Alerts are sent out if any of these flags are set off (i.e., your information triggers any of these scans), again according to your plan.

Additionally, the Norton Security package includes:

  • Ransomware
  • Antivirus protection
  • Phishing protection
  • Antispyware
  • Protection against online scams

This is a nice bonus since it’ll help keep your online activity safe as well.

Recovery services - what can Norton Lifelock do if my identity is stolen?

Of course, the most important question is what does LifeLock do in the unfortunate event that your identity is stolen. There are several steps LifeLock will take including:

  • A dedicated restoration specialist

LifeLock assigns a US-based specialist that is familiar with legal and technical procedures to your case immediately to help you take decisive action. The specialist will handle your case from beginning to end to ensure that they see it through properly.

  • 24/7 customer service

Additionally, you can reach out to a customer service rep anytime for any questions you need answered.

  • ID theft insurance

LifeLock has a Million Dollar Protection Package to cover all your expenses. This coverage varies based on the plan you get, but even the most basic coverage ensures you get up to $25,000 reimbursement for stolen funds and personal expenses. Additionally, all plans have up to $1M coverage for legal advice and other legal expenses incurred while trying to resolve your case.

  • Lost wallet replacement assistance

In the unfortunate event that you lose your wallet, LifeLock will help. It will get credit cards replaced and canceled, licenses renewed, and Social Security cards updated.

How easy is it to use?

LifeLock is arguably one of the easiest identity theft software options to use. It’s this simple:

  1. Sign up online

  2. Download software and install

  3. LifeLock scans your devices and accounts

  4. LifeLock sends you alerts via SMS, email, or phone

That's all you have to do. If you have ever downloaded an app to your phone or online, then this will be a cinch. LifeLock has PC, Mac, iOS, and Android compatible apps.

Pricing

LifeLock has 3 plans to choose from for individuals. One thing we didn’t appreciate was the lack of a family plan option. You can add your kids to the plan for $5.99/month/kid though, so at least there’s that.


Standard Package
Advantage Package
Ultimate Plus Package
Price per month, first year
$8.99
$17.99
$26.99
Price per month, after first year (For Norton)
$11.99
$22.99
$34.99
SSN and credit alerts
Bank and credit card activity alerts

Crimes in your name alerts

Annual 3 bureau credit reports



401k/investment activity alerts


Million Dollar Protection Package

- Stolen funds and personal expenses compensated up to $25k

- Legal expenses compensated up to $1M

- Stolen funds and personal expenses compensated up to $100k

- Legal expenses compensated up to $1M

- Stolen funds and personal expenses compensated up to $1M

- Legal expenses compensated up to $1M

Lost wallet protection
USPS address change verification
Dark Web monitoring
LifeLock privacy monitor
Credit monitoring
1 bureau
1 bureau
3 bureaus
Data breach notifications

Fictitious identity monitoring

Monthly credit score monitoring


1 bureau
File sharing network searches


Sex offender registry reports



Priority live member suppor



Bank account take over/new account alerts



Additionally, you can get LifeLock with Norton for each of the above packages. You’ll add benefits like:

  • Secure up to 5 devices including Macs, PCs, and Androids
  • Fight online threats like viruses, spyware, malware, phishing scams, etc.
  • Protect online transactions

The price to add Norton to your plan is as shown above. You’ll get the same introductory rate for the first year, and then you’ll add $5/month to your plan’s pricing for the Norton benefits.

LifeLock LifeLock Visit Site

Help & Support

LifeLock member services are available 24/7. You can get in touch with them via a toll-free live support number.

LifeLock also has a huge information center that is chock full of useful and detailed information about identity theft, online safety, and other things you really need to know. There are blog articles that teach you about credit, finances, fraud, data breaches, and internet security. It’s got everything, so you should definitely check it out.

Bottom Line

LifeLock brings a lot to the table, including a partnership with a solid brand in the security sector. The Ultimate Plus plan offers the most comprehensive coverage, and that includes things like 5-device coverage, $1M reimbursement insurance, and dark web scanning. The other plans are good if you just want the basic protection, but honestly, when it comes to identity theft, is there really any price too high to ensure your protection? LifeLock has a good reputation and offers a solid product that’s easy to use and easy to recommend.

Sarah Pritzker writes for top10.com and is a content writer with years of experience and a keen interest in the vast world of online consumer products. She enjoys helping readers make sense of the options on the market in a variety of fields.

LifeLock customer reviews

Based on 66 reviews

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Top Reviews

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Value for money

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7 months ago

I was getting a Home Depot Credit Card to get home improvement work and within 3 minutes of talking to the credit dept at Depot, LifeLock was calling to ask if I took a $10,000 loan from Home Depot

7 months ago

Life lock has found 2 incidences of fraud to my account in the past year. It saved me hundreds of dollars

7 months ago

So far it's been working great for me and customers service is good, I'm recommended to my friends too

8 months ago

Life Lock offers very comprehensive protection. They're fast and responsive to credit threats. Their annual subscription price of $260 is too high, however. It should be no more that $150/year.

8 months ago

They have stopped someone from stealing from our accounts. When we have had to contact them or they have contacted us they have been prompt and professional.

8 months ago

They are proactive in keeping my information safe. If they have a question about a transaction on my account, they contact me to make sure the transaction is valid. They even help me correct my own mistakes.

8 months ago

They have been proactive in keeping me informed of potential alerts. I am pleased with the service and customer interaction.

9 months ago

TOTALLY WORTH IT! Lifelock Norton 360 is perfect for my family's needs. Best identity protection I can afford out there!

9 months ago

Great customer service. They always acknowledged my problems quickly and correctly.

9 months ago

It's great! Protects my identity and even offers other services like writing a will.

9 months ago

I love this product. I've been using it for about a year and it has provided me with peace of mind

9 months ago

They are very good at keeping me up to date on what is going on with my account. They will alert me if there is a problem.

9 months ago

Not expensive and sends me alerts to let me know when possible theft might have occurred

a year ago

I feel like my information and identity is safer with their services in place and i am glad i chose it

a year ago

I have been a lifelock customer for 10 plus years. I have received a couple of alerts from them when I have applied for new credit cards so they seem to do their job well. I have not had my identity stolen which is my ultimate goal

a year ago

Lifelock is professional and they help prosecute hackers.The fact that they help prosecute hackers is worth what the service costs

a year ago

Lifelock is a well known brand and has looked after me by letting me know about any problems that have come up and if or when they notice activity on my account

1 years ago

they are overall very good and professional at what they do. Very responsive. I would highly recommend them

1 years ago

They really do monitor your identity. They give you alerts as soon as possible when activity has been detected on your bank accounts and social security number. You can link all of your credit cards and bank accounts to be continually monitored. They are responsive quickly to any problem I may detect.

1 years ago

The service is great. The concept is innovative. The price is a bit higher than when I first signed up years ago.

66 reviews