How LifeLock Works

Disclosure: LifeLock, as well as other companies reviewed on ASR, compensate us for enrollments made through this site. There are many great identity theft protection providers and most of them compensate us for sales, therefore it doesn’t matter to us who you chose as long as you get the protection that’s best for you. Our reviews are completely unbiased and honest based on our expert opinion of the provided service.

LifeLock identity protection services offer multiple layers of protection, LifeLock Scans & Alerts†, Defends, and Restores. And LifeLock separates itself with the addition of proprietary technology and the experience as an industry leader to add confidence and trust behind its platform.

Detection

Without a doubt LifeLock offers robust identification and detection capabilities when compared to other providers through its ID Analytics data & technology capabilities. No other identity theft protection provider has access to the visibility and algorithmic insight that ID Analytics provides through its technology platform.

Alerts

Another advantage of LifeLock comes in its “Alert” phase of identity protection. LifeLock also delivers best in class alerts† when something goes wrong. Let’s take a closer look:

LifeLock Identity Alert™ System† is the foundation for all LifeLock services. LifeLock monitors for fraudulent use of your Social Security number, name, address, or date of birth in applications for credit and services. The patented system sends alerts by text, phone‡‡, email, or mobile app.

Restoration

If LifeLock detects suspicious activity on a customer’s account and have been notified and verified that the event was suspicious, the LifeLock U.S.-based Identity Restoration Specialists steps in.

Most people familiar with identity theft protection services are familiar with LifeLock’s Million Dollar Protection™ Package†††. But what exactly does that mean? No, they’re not going to give you a million dollars if your identity is stolen and no they’re not going to repay you if you incur damages up to a $1,000,000 as a result of ID theft.

What LifeLock’s team will do is come to your aid in helping resolve your identity theft event every step of the way. So, what about the Million Dollar Protection™ Package†††, right? If you become a victim of identity theft, LifeLock helps protect you with our Million Dollar Protection™ Package†††. This includes reimbursement for stolen funds and coverage for personal expenses, each with limits of up to $25,000, $100,000 or $1 million depending on your plan, and coverage for lawyers and experts if needed up to $1 million, to help resolve your case. Coverage may include:

• Document replacement fees
• Child and/or elderly care
• Fraudulent withdrawals
• Travel expenses
• Lost wages

Expertise & Knowledge Base

As a LifeLock member you’re benefited with all of the great assets listed above but what’s rarely mentioned is LifeLock’s leadership, experience, and overall expertise in the world of identity theft protection services.

LifeLock provides significant resources to its members and even those who are not members to educate and inform on the realities of ID theft.

LifeLock Plans & Pricing Review

Disclosure: LifeLock, as well as other companies reviewed on ASR, compensate us for enrollments made through this site. There are many great identity theft protection providers and most of them compensate us for sales, therefore it doesn’t matter to us who you chose as long as you get the protection that’s best for you. Our reviews are completely unbiased and honest based on our expert opinion of the provided service.

LifeLock has continually evolved its product that started as just one identity protection plan to what is now a suite of services to fit a variety of needs based on what the consumer is looking for. Here’s a quick and easy breakdown of each LifeLock product.

LifeLock Standard™

The entry level product of LifeLock’s suite of identity theft protection services, LifeLock Standard™, offers more than entry-level identity theft protection. LifeLock Standard™ identity protection includes:

• LifeLock Identity Alert® System†
• Lost Wallet Protection
• USPS Address Change Verification
• Dark Web Monitoring
• Reduced Pre-Approved Credit Card Offers
• U.S.-Based Identity Restoration Support
• Million Dollar Protection™ Package†††
• Regular Price: $9.99/mo (plus applicable sales tax)

LifeLock Standard™ Review

During our review of LifeLock’s products we found that all of them from top to bottom provide solid protection and resolution for identity theft. Beginning with LifeLock Standard™ as their base product is a great place to start. Our LifeLock Standard™ review shows that this service provides good protection at a very affordable price, especially when combined with ASR’s 30% off your first year offer (terms apply). Members get protection with LifeLock’s proprietary LifeLock Identity Alert™ System† as well as their base services listed above, which we’ve come to find during our review of LifeLock is leaps and bounds ahead of the competition.

LifeLock Advantage™

LifeLock’s intermediate identity theft protection plan services those consumers who are looking for more than the basic level of protection provided in LifeLock Standard™ but maybe don’t want to spend the $30 per month cost of the LifeLock Ultimate Plus™ plan, or simply don’t have a need for that level of protection. LifeLock Advantage serves that consumer well and comes with all services included in LifeLock Standard™ as well as:

• Fictitious Identity Monitoring
• Court Records Scanning
• Data Breach Notifications
• Credit Card Activity Alerts†
• Credit, Checking and Savings Account Activity Alerts†
• One-Bureau Annual Credit Report & Credit Score1 – The credit score provided is a VantageScore 3.0 credit score based on Equifax data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.
• Regular Price: $19.99/mo (plus applicable sales tax)

LifeLock Advantage™ Review

Our Review of LifeLock Advantage™ as a stand-alone product was eye-opening and impressive. For the cost of service, we don’t find more value anywhere in the market. In addition to the great protection and resolution you receive in LifeLock’s base product, LifeLock Standard™, with Advantage™ you get the addition of monitoring of your financial accounts such as checking, savings, and credit accounts. If you’re at the point of reviewing LifeLock products to enroll in, take a heavy look at LifeLock Advantage™ because it’s value is hard to beat.

LifeLock Ultimate Plus™

If you couldn’t tell by the name, LifeLock Ultimate Plus is the flagship and most comprehensive level of identity theft protection offered by LifeLock and includes everything in theLifeLock Standard™ and Lifelock Advantage™ plans, plus:

• Checking and Savings Account Application Alerts†
• Bank Account Takeover Alerts†
• Investment Account Activity Alerts†
• Credit, Checking and Savings Account Activity Alerts†
• Three-Bureau Annual Credit Reports and Credit Scores1 – The credit scores provided are VantageScore 3.0 credit scores based on data from Equifax, Experian and TransUnion respectively. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.
• One-Bureau Monthly Credit Score Tracking1 – The credit score provided is a VantageScore 3.0 credit score based on Equifax data. Third parties use many different types of credit scores and are likely to use a different type of credit core to assess your creditworthiness.
• File Sharing Network Searches
• Sex Offender Registry Reports
• Priority 24/7 Live Member Support
• Regular Price: $29.99/mo (plus applicable sales tax)

LifeLock Ultimate Plus™ Review

Reviewing LifeLock Ultimate Plus™ is easy, just try to find what it doesn’t provide because all of the important items are taken care of in spades. Protection from ID Analytics and the LifeLock Identity Alert™ System†, Credit, Checking and Savings Account Activity Alerts†, Investment Account Activity Alerts†, dark web monitoring, Three-Bureau Annual Credit Reports and Credit Scores1, LifeLock’s online member portal with all the bells and whistles, and who can forget their 24/7 live member support team and Million Dollar Protection™ Package†††. Review LifeLock Ultimate Plus™ and you’ll find that it has the bases covered for a very fair price. Our top recommended identity theft protection plan hands down.

The credit scores provided are VantageScore 3.0 credit scores based on data from Equifax, Experian and TransUnion respectively. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.

Additional LifeLock Products

LifeLock offers additional products outside of its primary three identity theft protection plans listed above in an effort to provide members and their families with help protecting themselves and their families identities in today’s digital world filled with threats to your personal information. Those products include.

LifeLock Junior™

Your child’s clean credit file is a gold mine for identity thieves. Critical misuse and damage could go completely undetected or years. LifeLock Junior™ identity theft protection helps proactively safeguard your child’s personal information with a combination of advanced monitoring† features uniquely designed to help protect children against identity theft.  LifeLock Junior™ membership is available only as an added membership to an adult LifeLock plan.

• LifeLock Identity Alert™ System†
• Lost Wallet Protection
• Dark Web Monitoring
• Credit File Detection
• File-Sharing Network Searches
• U.S.-Based Identity Restoration Support
• Million Dollar Protection™ Package†††
• Regular Price: $5.99/mo (plus applicable sales tax)

LifeLock Member Support Review

Disclosure: LifeLock, as well as other companies reviewed on ASR, compensate us for enrollments made through this site. There are many great identity theft protection providers and most of them compensate us for sales, therefore it doesn’t matter to us who you chose as long as you get the protection that’s best for you. Our reviews are completely unbiased and honest based on our expert opinion of the provided service.

LifeLock members have access to excellent member amenities including a fully interactive member portal as well as live 24/7 live member support. The member portal (more details below) allows you to access and view your alerts†, tips to help protect your identity, view your credit score, and setup your account.

Customer Support

As a member of any LifeLock plan, you have access to their 24/7 live member support team and if identity theft does occur, a U.S.-Based Identity Restoration Specialist, dedicated to you, will personally manage your case.

General Support: 1-800-987-6543
Member Services: Access Via Member Portal

Member Portal

The credit scores provided are VantageScore 3.0 credit scores based on data from Equifax, Experian and TransUnion respectively. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.

Through the LifeLock member portal dashboard, members can see a snapshot of critical information associated with their identity and LifeLock identity theft protection services. From here, users can drill down deeper into setting up their account, viewing their alerts† and notifications, reviewing their credit score1 (if enrolled in a plan that includes one), and more.

Account setup is a cinch! Within the Manage Account tab you simply click “Add Account,” select your financial institution, and enter your password then LifeLock does the rest by monitoring transactions through their proprietary ID Analytics software and notifying members purchases over a certain amount.

You can also access your credit score1 and view changes to your score over different time periods with LifeLock Advantage ™ and LifeLock Ultimate Plus™ accounts (refer to our Pricing section for credit report and score frequency and number of bureaus reported with each plan). LifeLock also provides score factors that contribute to where your score is and why at any given time.

LifeLock History

Disclosure: LifeLock, as well as other companies reviewed on ASR, compensate us for enrollments made through this site. There are many great identity theft protection providers and most of them compensate us for sales, therefore it doesn’t matter to us who you chose as long as you get the protection that’s best for you. Our reviews are completely unbiased and honest based on our expert opinion of the provided service.

LifeLock was founded and previously based in Tempe, AZ by Todd Davis and Robert Maynard in 2005 to bring to market an American identity theft protection company intended to identify and potentially stop fraudulent credit and non-credit related activities on an individual’s personal information. Amidst controversy in 2007, Maynard left the company leaving Davis as the sole CEO. Later, LifeLock evolved its detection capabilities with the acquisition of ID Analytics following a round of funding in March of 2012. LifeLock announced its initial public offering shortly thereafter and released stock to the market in Q3 2012.

Investor Information

NASDAQ: SYMC

LifeLock Initial Public Offering (IPO): October 3, 2012

LifeLock IPO Starting Price: $9.00 per share

LifeLock IPO Total Volume Offering: 15,700,000

Frequently Asked Questions (FAQs)

What will LifeLock do for me?

LifeLock is a leading identity theft protection company, and they’re committed to providing you with an experience you’ll want to tell your friends about. You’re getting protection on their premium plans with personal information monitoring as well as a Million Dollar Protection™ Package††† if you fall victim to identity theft. This includes reimbursement for stolen funds and coverage for personal expenses, each with limits of up to $25,000, $100,000 or $1 million depending on your plan, and coverage for lawyers and experts if needed up to $1 million, to help resolve your case.

How much will LifeLock cost me?

LifeLock Standard™ starts at $9.99 a month for the first year, while LifeLock Advantage™ is $19.99 a month for the first year and LifeLock Ultimate Plus™ is $29.99 for the first year.  LifeLock Junior™ is their plan for those under 18 years of age and is $5.99 for the first year.  LifeLock Junior™ membership is available only as an added membership to an adult LifeLock plan.  Note that all pricing is per member and does not include applicable sales tax.

Will LifeLock help me after identity theft happens to me?

LifeLock’s US-based identity restoration team is available to support your restoration needs during business hours. However, LifeLock’s provides 24/7 live member support so you always have support in case of an emergency.

Is LifeLock a scam?

No. The company has a loyal customer base, and while they don’t have a perfect grade from the BBB (B+), their efforts have been noticed and the company continues to thrive.

How legitimate is LifeLock’s service?

LifeLock has thousands of reviews from satisfied customers who use their product and vouch for the value it provides through their positive review. In aggregate, LifeLock’s review rating is 4.5 stars on average according to LifeLock.com.

Will using LifeLock affect my credit score?

No.

Is it safe to give Life Lock my information & SSN?

Yes. LifeLock provides information on their privacy policy and data security here.

Can I cancel my LifeLock account anytime?

Yes, and you will receive a pro-rated refund as long as you purchased your plan directly through Life Lock. Should you have done it through a third party, you will not receive a refund.

Can I cancel my LifeLock account online?

You can cancel online through your account portal if you choose any of the identity theft protection plans.

Can I do what LifeLock provides myself?

Not everything – there are some services LifeLock provides that customers can do themselves. LifeLock is not merely checking your credit report the same way you could do every month. They have advanced technology to monitor and help protect your identity, and they put their resources to good use.

How does LifeLock collect my credit score?

LifeLock pulls credit reports and scores1 from all 3 credit bureaus once you sign up.

The credit scores provided are VantageScore 3.0 credit scores based on data from Equifax, Experian and TransUnion respectively. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.

Does LifeLock offer family plan options?

They do not have an express family plan, but they do have LifeLock Junior which is available with a paid adult plan for an additional $5.99 plus applicable sales tax.

How does LifeLock help protect my identity?

LifeLock scans hundreds of millions of data points looking for uses of you personal information, and with proprietary technology, and their Identity Alert® system notifies you to a wide range of potential threats to your identity.

This site is not owned or operated by Symantec Corporation. and the contents of this site are either under the exclusive control of LifeLock.org or other third parties not under the control ofSymantec Corporation. Any representations contained in this site are those exclusively of the site owner and not Symantec Corporation, and Symantec Corporation is not responsible for the accuracy of any such representations. Symantec, the Symantec Logo, the Checkmark Logo, LifeLock, and the LockMan Logo are trademarks or registered trademarks of Symantec Corporation or its affiliates in the U.S. and other countries. Other names may be trademarks of their respective owners.