Who it’s best for: LifeLock Standard is ideal for budget shoppers looking for essential coverage on the cheap. At only $8.99 per month for the first year, we think it’s a good deal. The stolen fund’s insurance tops out at $25,000, though you’ll still get up to $1 million in coverage for lawyers and experts. You’ll be covered if you’re ever a victim of an identity crime. However, it still includes crucial features like credit monitoring (for one bureau) and social security number monitoring. LifeLock Standard is the cheapest option, hands down. Now let’s dive into the individual plans to see how things shake out. With each price tier, you’re only adding (or improving) features, never losing them. Pro Tip: Looking to protect your loved ones, too? Check out our guide to LifeLock’s family plans to understand more about protecting your whole household.Īs we continue working our way up the LifeLock ladder, remember that every plan includes all of the features that its cheaper cousins have, plus extra features of its own. In other words, with LifeLock, there’s something for pretty much everyone. The insurance plans cover other expenses, too, like lawyer fees. The plans moving up the price ladder cover more bureaus, add extra monitoring features, and eventually bring the insurance coverage up to the industry standard of $1 million for stolen funds alone. The leanest LifeLock plan offers us credit monitoring for one bureau, social security number monitoring, and some insurance coverage. Lastly, you can bundle LifeLock Ultimate Plus to get the most comprehensive protection.Īs you’d expect, the different subscription levels include different features. Another plan, LifeLock Select, comes with Norton 360, an antivirus, VPN, and device protection plan. There are three LifeLock-only plans: Standard, Advantage, and Ultimate Plus. That said, we know it can be confusing, so let’s break things down. You can either choose a LifeLock plan on its own, or bundle it with antivirus and device protections from Norton. Send your questions to /askourexperts.We’re the glass-half-full type, and we see NortonLifeLock’s convoluted pricing structure as a sign that it gives customers the freedom to choose from multiple levels of service. LifeLock may recommend a freeze "in some cases," a spokesperson told us, but it can't place one for you.įor more information, read "No Longer Trust LifeLock? What's a Consumer to Do?" But you can often thwart such fraud yourself by putting a security freeze on your credit reports at the three major bureaus (Experian, Equifax, and TransUnion). LifeLock monitors transactions at banks, wireless carriers, payday lenders, and black-market websites to alert people in case crooks try to open fraudulent new accounts with their stolen identity. In fact, 86 percent of identity-fraud victims had zero out-of-pocket costs in 2014, the Department of Justice reports. The majority of identity-theft cases are credit and debit card fraud, and federal law and voluntary industry protections can limit victims' liability to a small amount or nothing. LifeLock didn't admit or deny the allegations (not uncommon for FTC actions), but regardless, we don't think the $110 to $330 annual cost is worth it. You should know that in December, LifeLock paid a $100 million judgment to settle a Federal Trade Commission claim accusing the identity-protection company of running false ads that overstated the strength of its safeguards. Ads for the identity-protection service LifeLock are everywhere.
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