Both LifeLock and EverSafe are effective identity theft programs with features designed to both protect your identity as well as repair/restore your credit if a theft occurs. EverSafe was originally created with features that were primarily of benefit to seniors, but offer their services to anyone who signs up. Both offer affordable plans that allow the customer to personalize their package according to their own, unique needs.
Overview: LifeLock vs EverSafe
LifeLock and EverSafe fall on both ends of the spectrum when it comes to time in the business. Although EverSafe is newer, it offers a few things other identity theft companies don't such as alerts for family members. While LifeLock has been in business for several years, EverSafe has been able to rise to the occasion and earn a steady following. Both are highly rated companies with customers giving them good reviews for their customer service representatives.
- Good customer service across the board
- LifeLock is slightly more expensive but offers a few more features
- EverSafe offers a family dashboard that allows family and caregivers to receive notifications
- LifeLock offers sex offender alerts
- Both offer $1 million in restoration insurance
Similarities: EverSafe vs LifeLock
LifeLock and EverSafe can identify, alert, and restore or repair specific issues as they appear. Both companies are set up to be able to monitor banking and credit card information, allowing them to catch anomalies quickly and effectively before any major damage is done to your credit. They can also study the Dark Web to determine if your information is being used in a fraudulent manner.
- Both companies have an A+ rating with the Better Business Bureau
- Multiple plan options
- Personalized packages are available
- Restoration services if something is amiss
- Able to identify abnormalities in banking and credit card accounts
Differences: EverSafe vs LifeLock
The main difference between LifeLock and EverSafe has to do with the price. LifeLock's offerings are more expensive, but go deeper into the Dark Web and work to identify suspicious or fraudulent behaviors. In its defense EverSafe's cost may make it more affordable to seniors who are on a fixed income. One of the main benefits of EverSafe is that it will notify family members and caregivers if the alerts are triggered on the subscriber's account.
- EverSafe has only been in business since 2013
- LifeLock's most expensive package costs $30 per month
- EverSafe offers a family dashboard for relatives and caregivers
- LifeLock allows you to add children but a spouse has to have their own account
- EverSafe's cheapest package is only $8 a month
LifeLock keeps a close eye on all of your personal information that may be found on public sites. This includes your social security number, birth date, and address. It will identify any new accounts that have been opened using your information. They will immediately notify you of possible fraud and will assist you in the recovery and restoration process if your identity is ever compromised.
EverSafe monitors your personal information in a variety of ways. It watches over your most personal information (social security number, birth date, etc.) and reports suspicious activity to you as well as those on your contact list. It can easily identify any abnormal purchases or transactions associated with your bank or credit card accounts.
Financial & Credit Monitoring
LifeLock offers subscribers alerts for threats that involve credit and non-credit activity. You can receive copies of all three credit reports with their most expensive plan. Bank accounts are also closely monitored to identify if any unauthorized activity has occurred or new accounts have been opened.
EverSafe monitors both your financial accounts as well as your credit accounts. This includes loans, credit cards and any other type of account that has an impact on your credit report. They can effectively identify abnormal spending habits and suspicious or fraudulent activity that may indicate that your identity has been compromised.
Identity Restoration & Insurance Coverage
LifeLock offers a different monetary coverage with each of their three plans. With the most advanced plan, $1 million is available for attorneys and experts to help you recover your identity and restore your credit. The funds they provide will reimburse you for any monies that are stolen within the limits of your specific plan.
With EverSafe, the only way to get the $1 million coverage for the restoration and recovery aspects of the plan is to subscribe to either the EverSafe Plus or EverSafe Gold package. With those options, you have greater coverage and more access to the funds you need for reimbursement and to cover the cost of your attorneys and other experts.
Pricing & Plans
The Basic plan by LifeLock costs $10 per month or $110 per year. The Advantage plan runs approximately $20 a month or $220 per year. The most expensive plan, the Ultimate, costs $30 per month or $330 per year. Prices increase after the first year of service. To cover children with the LifeLock Junior plan, there is a $6 a month fee per child.
EverSafe also offers three main packages. This includes the Essentials for $8 per month, the EverSafe Plus for $15 per month, and the EverSafe Gold plan for $25 per month. Customers receive a 30-day free trial. They also offer 40% family member discount (off of the retail price) and a 10% discount for individuals ages 60 and over.
Summary: LifeLock vs EverSafe
LifeLock is the popular choice for individuals who want a company with a trusted reputation and aren't really worried about the price.
EverSafe is a great choice for seniors who want to include their family in the identity theft process without a lot of extra fees or hard to use features.
*LifeLock does not monitor all transactions at all businesses.
**Terms apply to all LifeLock plans.
***The credit scores provided are VantageScore 3.0 credit scores based on data from Equifax, Experian and TransUnion respectively. Any one bureau VantageScore mentioned is based on Equifax data only. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.