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If you are a victim of fraud, it can be expensive and time-consuming to fix a problem, which is why purchasing identity theft protection is worth considering. Prices range from $ 7.20 to $ 34.99 per month, but the peace of mind can be worth it.
LifeLock is part of Norton Security, so if you are also in the market for internet security packages, you can combine the two. Price for plans that include internet security vary depending on the coverage you are looking for and the number of devices or people you want to include.
CNBC Select evaluated LifeLock by looking at cost, insurance coverage, number of credit bureaus monitored, dark web analysis, and fraud alerts. (Learn more about our methodology below.)
On the secure LifeLock site
$ 8.99 to $ 34.99 per month
Identity theft insurance
Up to $ 1 million for lawyers and experts; up to $ 25,000 to $ 1 million each for reimbursement of stolen funds and compensation for personal expenses
The Ultimate Plus plan monitors your Experian, Equifax, and TransUnion credit reports; The Standard and Advantage plans monitor Equifax or TransUnion.
LifeLock offers three plans: Standard, Advantage and Ultimate Plus. The prices for individuals are as follows:
- Standard: $ 8.99 per month for the first year, then $ 11.99 per month
- Advantage: $ 17.99 per month for the first year, then $ 22.99 per month
- Ultimate Plus: $ 25.99 per month for the first year, then $ 34.99 per month
There are no special rates for family plans, but at checkout you can sign up for multiple plans. You can also sign up for LifeLock Junior for Kids for $ 5.39 per month per child the first year, then $ 5.99 per month.
Stolen Wallet Protection, USPS Change of Address Verification, and Identity Verification Monitoring are included in all plans.
The Ultimate Plus plan offers the greatest coverage, including the following, which are not included in the Standard and Advantage plans:
- Check and Savings Account Request Alerts
- 401 (k) and activity alerts on investment accounts
- Bank Account Takeover Alerts
- File sharing network searches (LifeLock monitors music, photo, and data apps for your name, social security number, date of birth, or contact information)
- Sex Offender Registry Reports
All three plans offer identity theft insurance, with the Standard plan providing the least coverage and the Ultimate Plus plan providing the most coverage. All plans offer coverage to cover legal and expert fees up to $ 1 million if you need their help.
The Standard plan offers reimbursement for stolen funds up to $ 25,000 and personal expense compensation up to $ 25,000. The Advantage plan offers coverage up to $ 100,000 for each, and the Ultimate Plus plan offers coverage up to $ 1 million for each.
The Standard and Advantage plans monitor only one credit bureau (Equifax or TransUnion), while the Ultimate Plus plan monitors three credit bureaus (Experian, Equifax, and TransUnion).
The Standard plan does not give you an annual credit report, the Advantage plan provides an annual credit report and a score of one bureau, and the Ultimate Plus offers an annual credit report and a score of three bureaus.
All three plans provide dark web monitoring, privacy monitoring, and identity and social security alerts.
The Advantage and Ultimate Plus plans also offer alerts on crimes committed on your behalf.
The Standard plan lacks some alerts, including bank account alerts and credit card activity.
With three different identity theft protection packages and the ability to add Norton device security, LifeLock offers packages suitable for families with many devices and for young children.
If you are looking for a plan with enhanced credit monitoring, Experian IdentityWorksâ was chosen by CNBC Select as the best credit monitoring service for families. And if you need top-notch identity theft insurance, Identity custody offers three plans with $ 1 million in identity theft insurance starting at $ 8.99 per month.
To determine which identity theft protection services offer the most benefits to consumers, CNBC Select analyzed and compared more than a dozen services that offer various plans.
When ranking the best identity theft protection services, we focused on the following features:
- Cost: Typically, these services charge monthly, but some have offers where you can pay annually.
- Identity theft insurance: We looked at whether the services offered identity theft insurance and looked at the amount up to which you are covered. We’ve found that the best services offer up to $ 1 million for qualifying expenses associated with resolving and restoring your identity.
- Wide variety of identity surveillance: The more the service checks platforms for breaches of your personal information, the better.
- Credit monitoring: We’ve ranked the services that monitor your credit reports higher than those that don’t. The best plans offer triple desk surveillance.
- Family packages: If you can register your family members, that’s a plus.
- Mobile app: The ability to access services from a smartphone was crucial.
Keep in mind that identity theft protection services can only alert you to breaches of your personal information, not prevent fraud.
Editorial note: Any opinions, analysis, criticism or recommendations expressed in this article are the sole responsibility of the editorial staff of Select and have not been reviewed, endorsed or otherwise approved by any third party.