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 rectify the situation as smoothly and swiftly as possible.

LifeLock

Using a mobile app, you can immediately start the monitoring process so you can receive real-time 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 what plan options there are and how to decide if the service is right for you.

LifeLock Plans

Since the major consumer data breach involving a major credit union in 2017, LifeLock has partnered with Norton to offer additional protection against identity theft. You can still sign up for their traditional plans without Norton if you choose. Here’s each level of service, including cost, and what you can expect to get for your money.

LifeLock Standard: $9.99/month

This plan offers a number of services and coverage for a more value-driven monthly price. Here’s what you get with this basic plan.

  • Stolen funds reimbursement: up to $25,000
  • Personal expense compensation: up to $25,000
  • Coverage for lawyers and experts: up to $1 million
  • U.S.-based restoration team
  • Social security number and credit alerts
  • Lost wallet protection
  • USPS Address change verification
  • Dark web monitoring
  • LifeLock privacy monitor
  • Credit monitoring from one bureau

LifeLock Advantage: $19.99/month

  • Stolen funds reimbursement: up to $100,000
  • Personal expense compensation: up to $100,000
  • Coverage for lawyers and experts: up to $1 million
  • U.S.-based restoration team
  • Social security number and credit alerts
  • Lost wallet protection
  • USPS Address change verification
  • Dark web monitoring
  • LifeLock privacy monitor
  • Credit monitoring from one bureau
  • Bank and credit card activity alerts
  • Alerts on crimes committed in your name
  • Data breach monitoring
  • Fictitious identity monitoring
  • Annual credit report and score from one bureau

LifeLock Ultimate Plus: $29.99/month

  • Stolen funds reimbursement: up to $1 million
  • Personal expense compensation: up to $1 million
  • Coverage for lawyers and experts: up to $1 million
  • U.S.-based restoration team
  • Social security number and credit alerts
  • Lost wallet protection
  • USPS Address change verification
  • Dark web monitoring
  • LifeLock privacy monitor
  • Credit monitoring from three bureaus
  • Bank and credit card activity alerts
  • Alerts on crimes committed in your name
  • Data breach monitoring
  • Fictitious identity monitoring
  • Annual credit report and score from three bureaus
  • Monthly credit score tracking from one bureau
  • 401(k) and investment activity alerts
  • Bank account takeover and new account alerts
  • File-sharing network searches
  • Sex offender registry reports
  • Priority live member support

LifeLock Standard with Norton: $12.99/month

Benefits start off the same as the regular LifeLock Standard plan, plus:

  • Secure up to five PCs, Macs, or Androids
  • Defend against online threats such as viruses, spyware, and malware
  • Safeguard online transactions
  • Virus protection promise that offers a refund if your device isn’t kept virus-free

Additionally, LifeLock offers a discount for the first year of just $9.99 per month.

LifeLock Advantage with Norton: $24.99/month

The LifeLock Advantage plan with Norton combines the identity-related benefits of the traditional advantage plan with the Norton benefits added on as well. You can also receive a first-year discount of just $19.99 per month.

LifeLock Ultimate Plus with Norton: $34.99/month

This plan get you access to all of the benefits of the LifeLock Ultimate Plus plan, plus the additional Norton security features. First-year pricing can lower your monthly payment to just $29.99 so it’s really like getting the extra Norton perks for free.

Which LifeLock plan should you choose?

Choosing a LifeLock 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.

After all, going into debt because of an identity theft prevention plan could hurt your credit score as much as fake credit card accounts! Start by narrowing down your LifeLock options to the plans you can actually afford.

From there, decide if you want to select the Norton add-on plans. For the first year, the prices are pretty much identical, so it may be worth signing up. It’s also a good idea to get the extra security protection if you use one or more devices (like a smartphone, tablet, or laptop) for personal information — especially mobile banking.

Next, 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, it could behoove you to opt for a plan that includes investments.

Finally, 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 LifeLock 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!

How can you save on your LifeLock plan?

There are a few different ways you can save when choosing a LifeLock plan. If you want the added protection of Norton Security, you can qualify for a one-year deal that brings the prices down to the same amount as the regular plans.

On top of that, shop around for discount codes online. For example, it’s common to snag a deal for 10% off your monthly rate if you’re a first time member. Check to see what the best current offer is before you submit your billing information.

Another perk from LifeLock is its refund policy. They offer 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’s partnership with Norton has filled the gap between personal and digital security. All of this 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.