LifeLock Review for 2020

LifeLock is an identity theft protection service that offers several different plans for a wide range of budgets and needs. It monitors several aspects of your personal and financial life in order to discover any red flags. If a real threat has occurred, then LifeLock offers several ways to help rectify the situation as smoothly and swiftly as possible.

Using a mobile app, you can immediately start the monitoring process so you can receive alerts concerning your identity security. With some plans, you can also tie in credit monitoring, which can be an added bonus if you’re working on rebuilding your credit.

Interested in learning more about what LifeLock offers?

Keep reading to find out your options and how to decide if the service is right for you.

LifeLock Plans

Here’s each level of service, including cost, and what you can expect to get for your money.

LIFELOCK STANDARD™LIFELOCK ADVANTAGE®LIFELOCK ULTIMATE PLUS™
Cost$11.99 per month
$124.99 annually
$22.99 per month
$239.99 annually
$34.99 per month
$339.99 annually
Promotions
Terms apply
$8.99/month for the first year$17.99/month for the first year$26.99/month for the first year
Stolen fund reimbursementUp to $25,000Up to $100,000Up to $1 million
Personal expense compensationup to $25,000up to $100,000up to $1 million
Legal and expert coverageUp to $1 millionUp to $1 millionUp to $1 million
Credit MonitoringOne bureauOne bureauAll three bureaus
Annual credit reportsOne bureauAll three bureaus
Monthly credit score trackingOne bureau
Social Security Alertsxxx
Credit Alertsxxx
Privacy monitoringxxx
Deep web monitoringxxx
USPS Address change alertsxxx
Bank and credit card activity alertsxx
Criminal database alertsxx
Data breach monitoringxx
Fictitious identity monitoringxx
401(k) and investment activity alertsx
New bank account alertsx
File-sharing network searchesx
Sex offender registry reportsx

Which plan should you choose?

Choosing a plan entails a few different steps. First and perhaps most importantly, think about your budget. Don’t automatically choose a plan with all the bells and whistles if the monthly payment is going to make the rest of your budget fall off track.

Think about how much compensation you want to have access to in the event of a worst-case scenario. If you don’t think your stolen funds amount or even personal expense amount would be more than $25,000 then it may make sense to choose the lower level plan. If, however, you have larger accounts or more sophisticated accounts that may be targeted, you may find it suitable to opt for a plan that includes investments.

If you’re looking to combine identity theft protection along with comprehensive credit monitoring, you should consider a top tier plan. That way, you could realize some savings by combining services and getting everything you need directly through LifeLock.

Still unsure about the best plan for you?

Check out their risk calculator, which analyzes your behavior and habits to provide you with tips on how to stay safe. If you get a low score, you may realize you’re ready for more protection than you originally thought.

Refund Policy

LifeLock offers a 60-day money-back guarantee. When you cancel your plan within the first 60 days, you receive an automatic refund.

Even if you decide to cancel after that period, your refund will be prorated for any unused months that you’ve already paid for. It’s a hassle-free process so you don’t have to worry about getting stuck in a subscription service that you’re not 100% happy with.

Bottom Line

LifeLock has filled the gap between personal and digital security. LifeLock can help preserve your finances and your reputation by ensuring any fraudulent activity is detected early and reimbursed. With a hefty customer support service, LifeLock is committed to providing comprehensive coverage to keep you safe.