LifeLock Identity Theft Protection Review

#5 in Identity Theft Protection

LifeLock Review

LifeLock is a trusted service that provides high quality personal information protection. It does not only notify you when things go wrong, but also gives assistance in resolving the issue. Creating an account is so easy it could be done in a few minutes. LifeLock also comes with a $1 million in ID theft insurance for costs incurred when reclaiming your personal identity.

 

What does it protect?

LifeLock Ultimate Plus ($29.99/ month or $329.89/ year)

Your bank accounts and credit are a gold mine for identity thieves. LifeLock Ultimate Plus™ service gives you some peace of mind knowing you have LifeLock’s most comprehensive identity theft protection. Enhanced services include alerts for new bank account applications, attempts to take over existing accounts, online credit reports and credit scores.

LifeLock Ultimate Plus protection provides these important benefits:

  • Checking and Savings Account Application Alerts

    • Continuously searches for your personal information in new bank account applications.

  • Bank Account Takeover Alerts

    • Monitors existing checking and savings accounts for changes to your identity data or attempts to add new account holders.

  • Investment Account Activity Alerts

    • Reviews your investment account activity and gets alerts to help detect fraudulent cash withdrawals. 

  • Credit Inquiry Alerts

    • Issues alerts for credit inquiries when someone submits a credit application using your identity information.

  • Online Annual Credit Reports

    • Online access to your annual credit reports from all three primary bureaus so you can see the details of your credit history.

  • Online Annual Credit Scores

    • Online access to your annual credit scores from all three primary bureaus so you can better understand how lenders evaluate your credit worthiness.

  • Monthly Credit Score Tracking

    • Monthly single bureau credit score tracker to help you identify important changes.

  • File-Sharing Network Searches

    • Actively monitors music, photo and data file-sharing networks for exposure of your personal information.

  • Sex Offender Registry Reports

    • Notifies you when sex offenders have moved into your zip code and compiles a report to determine if a sex offender has listed your address to avoid detection.

  • Priority Live Member Support

    • Jump to the front of the line and speak with a U.S. based Identity Protection Agent for help with questions or claims. Just call 1-800-LifeLock.

LifeLock Ultimate Plus protection also provides these additional benefits included in other LifeLock services:   

  • LifeLock Identity Alert® System

  • Lost Wallet Protection‡‡

  • Address Change Verification

  • Black Market Website Surveillance

  • Reduced Pre-Approved Credit Card Offers

  • Fictitious Identity Monitoring

  • Court Records Scanning

  • Data Breach Notifications

  • Credit Card, Checking and Savings Account Activity Alerts

  • Certified Resolution Support

  • $1 Million Total Service Guarantee

LifeLock Advantage ($19.99/ month or $219.89/ year)

LifeLock Advantage™ service provides enhanced identity theft protection beyond financial and credit fraud. They search for falsified court records containing your personal information to help you avoid arrest for crimes you haven’t committed, monitor for fictitious identities using aliases with your Social Security number and alert you of potentially fraudulent credit card activity.

LifeLock Advantage protection provides these important benefits:

  • Fictitious Identity Monitoring
    • Scans for names and addresses connected to your Social Security number in public and credit databases so you can confirm whether the activity is fraudulent.
  • Court Records Scanning
    • Checks court records for matches of your name and date of birth to criminal activity.
  • Data Breach Notifications
    • Informs you of publicly reported large scale security breaches so you can take action to help protect your personal information.
  • Credit Card, Checking and Savings Account Activity Alerts
    • Review your credit card, checking and savings account activity. Get alerts to help detect fraudulent transactions.
  • Online Annual Credit Report
    • Online access to your annual credit report so you can see details of your credit history.
  • Online Annual Credit Score
    • Online access to your annual credit score so you can better understand your credit worthiness.

LifeLock Advantage protection also provides these additional benefits included in other LifeLock services:   

  • LifeLock Identity Alert® System
  • Lost Wallet Protection‡‡
  • Address Change Verification
  • Black Market Website Surveillance
  • Reduced Pre-Approved Credit Card Offers
  • Live Member Support
  • Certified Resolution Support 
  • $1 Million Total Service Guarantee

LifeLock Standard

LifeLock Standard™ identity theft protection uses innovative monitoring technology and alert tools to help proactively safeguard your credit and finances. If identity fraud does occur, an Identity Restoration Advocate will personally manage your case.

LifeLock Standard membership includes:

  • LifeLock Identity Alert® System
    • The patented LifeLock Identity Alert® system monitors over a trillion data points for fraudulent attempts to use your Social Security number, name, address or date of birth in applications for credit and services. The system lets you know about threats to your identity by text, phone or email.**
  • Lost Wallet Protection‡‡
    • Quickly cancels or orders replacements for credit or debit cards from a lost or stolen wallet to help stop fraudulent charges before they occur.
  • Address Change Verification
    • Notifies you if LifeLock detects a change of address associated with your personal information so you are alerted if thieves try to divert your mail.
  • Black Market Website Surveillance
    • Patrols over 10,000 black market websites for the illegal sale of your personal information.
  • Reduced Pre-Approved Credit Card Offers
    • Requests your name be removed from pre-approved credit card mailing lists for increased security.
  • Live Member Support
    • U.S. based Identity Protection Agents are available to help with questions or claims. Just call 1-800-LifeLock.
  • Certified Resolution Support
    • If you become a victim of identity fraud, an Identity Restoration Advocate will personally handle your case and help restore your identity.
  • $1 Million Total Service Guarantee
    • As a LifeLock member, if you become a victim of identity theft, LifeLock will spend up to $1 million to hire experts to help your recovery.

LifeLock Junior

Your child’s clean credit file is a gold mine for identity thieves. LifeLock Junior™ protection helps proactively safeguard your child’s personal information with a combination of advanced monitoring features uniquely designed to help protect children from identity theft.

LifeLock Junior™ membership includes:

  • LifeLock Identity Alert® System† 
    • The patented LifeLock Identity Alert® system monitors over a trillion data points for fraudulent attempts to use your child’s Social Security number, name, address or date of birth in applications for credit and services. The system lets you know about threats to your child’s identity by text, phone or email.**
  • Credit File Detection
    • Monitors your child’s Social Security number to detect credit information associated with your child’s identity.
  • Black Market Website Surveillance
    • Patrols over 10,000 black market websites for the illegal sale of your child’s personal information.
  • File-Sharing Network Searches
    •  Actively monitors file-sharing networks for exposure of your child’s personal data.
  • Live Member Support
    • U.S. based Identity Protection Agents are available to help with questions or claims. Just call 1-800-LifeLock.
  • Certified Resolution Support
    • If your child becomes a victim of identity fraud, an Identity Restoration Advocate will personally help restore your child’s identity.
  • $1 Million Total Service Guarantee
    • If your child becomes a victim of identity theft, LifeLock will spend up to $1 million to hire experts to help their recovery

†Network does not cover all transactions.

** Fastest alerts require member’s current email address.

‡The benefits under the Service Guarantee are provided under a Master Insurance Policy underwritten by State National Insurance Company. Under the Service Guarantee LifeLock will spend up to $1 million to hire experts to help your recovery. As this is only a summary please see the actual policy for applicable terms and restrictions at LifeLock.com/legal.

Service Guarantee benefits for State of New York members are provided under a Master Insurance Policy issued by State National Insurance Company. Benefits for all other members are provided under a Master Insurance Policy underwritten by United Specialty Insurance Company. Under the Service Guarantee LifeLock will spend up to $1 million to hire experts to help your recovery. Please see the policy for terms, conditions and exclusions at LifeLock.com/legal.

Services

Monitoring Yes         
Fraud Alerts Yes
Credit Freeze Gives assistance
Reimbursement Insurance Yes up to $1 million
Resolution Gives assistance
Restoration Gives assistance

 

Features

 

Credit scores instant access to Transunion credit scores any time
New bank account alerts notifies you when any bank accounts are opened in your name
Personal account monitoring checks your personal bank account information and notifies any changes
Prevents pre-approved credit listing no more unsolicited credit offers
Network tracking  checks global networks for sites offering file-sharing
Alerts get instant notification when your personal identity is under attack or used without permission
Lost wallet protection get help in cancelling lost credit cards
Credit bureau reports get reports from the top 3 bureaus
$1 million identity insurance coverage for lost wages and costs when recovering your personal identity
Criminal website monitoring checks known websites trading or selling your personal information
Change in address notification alerts you for any address changes on your personal accounts
Resolution offers assistance in resolving cases of credit fraud or personal identity theft

 

*** Interesting features offered by LifeLock include checking sites known for selling and trading personal information. LifeLock Unlimited also provides information on sex offenders, court records, payday loans and public records. By having access to this information you are able to verify that your name is not being used by criminals for unlawful activities.

 

Prices

LifeLock Ultimate Plus ($29.99/ month or $329.89/ year)

LifeLock Advantage ($19.99/ month or $219.89/ year)

LifeLock Stadard

LifeLock Junior

Customer Reviews

Customer reviews about LifeLock have been overwhelmingly positive. LifeLock has also been given an A+ from BBB Ratings, a company that monitors customer experience and government actions against a company.

Bottom Line

LifeLock offers solid personal identity protection with its numerous features but their basic plan lacks some of the features that other identity protection services offer in their entry plans. It offers extra protection for your personal data by storing this information on a separate secure server. Customer service is also an added plus with their 24/ 7 live assistance. This ensures that you don’t only get real time information when your personal identity is compromised, but you could also respond to this threat instantly.

 

Latest Reviews

Start your review for LifeLock Identity Theft Protection
C
Cynthia Wyatt
Lewis Center, Ohio
LifeLock Identity Theft Protection review
10/22/2016
Acquired Life Lock after receiving a notice that my information had been part of a theft of data from a medical insurance company. I had heard it was good and so decided to accept the rather high fee of $25/month. Received an alert of a credit inquiry. when I called, I was told often credit card companies will do this to see if they can offer a higher credit line. I asked for further investigation and was told someone would contact me. Never heard and went on with my life. I finally cancelled and now received a letter from Citibank about a recently opened account that looked suspicious. Life Lock's error. I found the Life Lock system difficult to maneuver and perhaps too big to care about each member when an issue arises.

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Charles Karp
Inman, South Carolina
LifeLock Identity Theft Protection review
10/3/2016
I got a discount certificate in the mail, so I decided to give it a shot. I was filling out the on-line form when it got a little sketchy! Without really realizing it, It had tricked me into signing up my wife with another $30. per month plan. I couldn't believe they would go to such marketing "tricks" and figured it had to be a mistake. I called the number. I got a person on the phone who would not answer my question, nor would he tell me someone that could! Instead; he repeated the same line, over and over. I started looking for some crackers to throw to the parrot! I hung up and tossed out all the paperwork! I couldn't trust my personal information to a Macaw!

Tiquan Dunlap
Milwaukee, Wisconsin
LifeLock Identity Theft Protection review
8/15/2016
Great. Love to be on here.

S
Susan S.
Toms River, New Jersey
LifeLock Identity Theft Protection review
9/30/2015
Today I tried to sign up for LifeLock protection after hearing a radio advertisement for it saying I could get a 10% discount from the plan that would normally cost $9/month. I went on line and started filling out the form and got a little confused and decided to call. After being connected with a live person I was read a presentation on a recorded line and told the plan would be $26.99 a month. I interrupted the person and asked about the $9.00 a month plan. They corrected me and said $9.99 per month. This is not what their website says. I was also told that that would not protect me against theft and loss of identity. I would really need the $26.99 per month plan. This sounds like a scam to me.