Best Identity Theft Protection Services for Families

Family is everything, which is why you want to protect their identities. See which family identity theft protection plans made our list of top picks.

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Overall Score: 9.3/10

About

IdentityForce is a Better Business Bureau (BBB) accredited company. While there are 11 complaints filed with the BBB against the company, all of those were addressed in a timely and satisfactory manner. Thus, they have garnered the impressive uncommon A+...

System Features

  • Dark Web Monitoring
  • Identity Theft Insurance
  • Criminal Monitoring
  • Social Media Monitoring
  • Identity Theft Restoration
  • Financial Monitoring

Best For:

  • Individuals
  • Families
Overall Score: 9.2/10

About

LifeLock was named in the 2016 Online Trust Honor Roll. The Online Trust Association (OTA) tracks and monitors companies’ brand and their consumer privacy, protection, and security practices. They utilize more than 24 data points and add companies’ that score...

System Features

  • SSN Monitoring
  • Dark Web Monitoring
  • Criminal Monitoring
  • Credit Monitoring & Alerts
  • Identity Theft Insurance
  • Identity Theft Restoration

Best For:

  • Individuals
  • Families
Overall Score: 9.0/10

About

Identify Guard® provides around-the-clock monitoring, allowing you to rest easier in a world where digital identify theft is becoming a common occurrence. There are various stages of identity theft that take place as you get older. Identity Guard is here...

System Features

  • Financial Monitoring
  • Identity Restoration
  • Criminal Monitoring
  • SSN Monitoring
  • Dark Web Monitoring
  • Social Media Monitoring

Best For:

  • Individuals
  • Families

Top 5 Family Identity Theft
Protection Services in 2018

  1. IdentityForce – A world-class identity theft protection company, with advanced detection technology and with 40 years of experience. The company offers real-time alerts and 24/7 support.
  2. LifeLock – Offers Norton Security for protection against cyber criminals along with a Million Dollar Protection Package. The company offers a 60-day money back guarantee.
  3. Identity Guard – Discovers vulnerabilities and alerts clients of risk, while using state-of-the-art artificial intelligence. Helps customers to be proactive about protecting their identity.
  4. Experian – Real-time alerts and 360-degree monitoring, with robust protection and support. Committed to a speedy resolution and side-by-side service if you experience identity theft.
  5. Zander Insurance – An independent insurance group offering a wide array of products and services, including identity theft protection. A name people have trusted to meet their needs for over 80 years.

Your home, career, finances, health, business, family, and anything that you hold dear to your heart are all a part of your identity. With an increase in the number of identity theft victims and security breaches, many people are looking to identity theft protection services as an extra cushion of protection. Anyone who has experienced an incident that involves their personal information being stolen knows that it can take months or years to unravel the mess. Fortunately, most companies offering identity theft protection also provide restoration services as well to assist victims of identity theft.

While no product can prevent all types of theft, it is important to take extra measures to guard your personal information and take the necessary steps to protect yourself and your family. It is becoming more and more evident that identity theft can happen to anyone with many headlines covering the latest major data breaches. Ordinarily, service providers offer more than just credit monitoring and most will help resolve issues surrounding identity theft. In the past, it may have been a question of whether you could afford to pay for identity theft protection services, but today you should be asking yourself if you could afford not to acquire such services. Generally, you pay for identity theft protection services either monthly or yearly and many companies offer very affordable services. Here are our top five picks for family identity theft protection services in 2018.

1. IdentityForce

Unfortunately, identify theft has increased among children and is even more likely to go unnoticed for a long period. Many parents will offer their children’s social security numbers when providing schools, government, and medical providers with their information. These numbers can be stolen and it can be years before the identity theft is even realized, and then the damage can be overwhelming.

IdentityForce knows that thieves do not rest, so they do not either. The company offers around the clock monitoring and sends instant notification to clients at the first sign of a threat. Services can be set up to send alerts to a smart phone, a computer, or tablet. This ensures that you can act fast to prevent damage to both you and your child’s identity. With ChildWatch, IdentityForce provides protection and the additional service is free with an adult membership. The company offers 24/7 recovery services as well. Identity theft can involve a mass amount of paperwork but IdentityForce has Certified Protection Experts to handle all this to help restore your identity. A few key aspects that make IdentityForce standout include:

Pros

  • Bank Account Alerts
  • Black Market Surveillance
  • Fraud Detection
  • Credit Card Monitoring
  • Fully Managed Restoration
  • Smart SSN Tracker
  • $1 Million Dollar Insurance
  • Lost Wages Covered
  • Address Monitoring
  • Internet Security
  • Lost Wallet Protection
  • Name and Alias Monitoring
  • Bureau Credit Monitoring
  • Monitors Sex Offenders
  • Social Media Monitoring

Cons

  • Sign up Can be Tedious
  • No Option Available for Free Credit Monitoring
  • No 24/7 Live Chat

IdentityForce works tirelessly to keep its customers’ information secure. The company’s record of accomplishment is so good that the U.S. Coast Guard and Transportation Security Administration have relied on IdentityForce protection over the years.  The company prides itself on offering the most up to date advanced products. The 24/7 monitoring provides customers with peace of mind, knowing that they will be alerted before a criminal can use their information or their family’s for personal gain. Any suspicious activity involving the use of your child’s information will automatically send an alert to your protection dashboard.

IdentityForce monitors online activity sites, such as blogs, forums, and chat rooms. They are constantly watching to make sure your information is not being used or sold. In addition, the company checks for suspicious loan applications and changes in address, which are two common signs of fraudulent activity. IdentityForce goes the extra mile on the services they provide, including sending its clients a notification if a new sex offender moves within a certain radius of where they live. They search criminal and court records and remove your name from pre-approved credit offers and junk mail lists, as well.

An online resource center is available to offer you help in knowing how to manage credit and keep your information safe. If you or your children do fall victim to identity theft, IdentityForce has complete recovery services available. For an additional cost, the company offers an UltraSecure + Credit option that provides quarterly credit reports and scores, compared to most others, which offer these annually. The protection for UltraSecure is approximately $179.50/yr, while the UltraSecure + Credit is $239.50/yr.  The company does offer monthly plans as well.

2. LifeLock

A leader in the identity theft protection industry, LifeLock offers more than 15 services to protect your identity and help you recover from identity theft. Their three main areas of focus are your credit files, your social security number, and other personal information. For those who simply do not have time to monitor their own credit and accounts, LifeLock provides excellent protection and will alert you of any suspicious activity.

LifeLock knows that children can be victims of identity theft as well and this is why the company offers LifeLock Junior, which is designed for children under the age of 18. Here is a quick snapshot of some of the positives and negatives with LifeLock:

Pros

  • Bank Account Alerts
  • Dark Web Monitoring
  • Black Market Surveillance
  • File-Sharing Network Searches
  • Fraud Detection
  • Credit Card Monitoring
  • $1 Million Dollar Insurance
  • Lost Wages Covered
  • Address Monitoring
  • Internet Security
  • Lost Wallet Protection
  • Name and Alias Monitoring
  • Bureau Credit Monitoring

Cons

  • Operates with Equifax
  • Highest Tier is Expensive
  • Spouse coverage Requires a Separate Package

LifeLock is one of the most recognizable companies offering identity theft protection services. The company began in 2005 and became a reputable choice for those with identity theft concerns. No matter what level of protection you choose, LifeLock provides you with basic protection. They currently have three levels of protection to choose from, standard, advantage, and ultimate plus. With each level, your stolen funds reimbursement amount will increase, along with your personal expense compensation. The ultimate plus also includes monitoring activity on investments and 401K, along with sex offender registry monitoring.

LifeLock is especially helpful if your information is vulnerable, like in the case of a lost social security card, or if you are aware of a hack that involved your information. LifeLock’s Junior Membership provides monitoring of your child’s Social Security number to detect credit information involving your child’s information. With advancements in technology, which allow children to download music and share photos and more, file-sharing networks increase the risk for your child’s personal information for exposure. LifeLock Junior searches for any signs of exposure and alerts you of any concerns. The LifeLock Junior is a very affordable plan at just $5.99 monthly or $65.99 annually.

3. Identity Guard

With a solid lineup of services, such as personal risk assessment, proactive action steps, credit reports from all three major bureaus, 24/7 monitoring and alerts, and quarterly credit scores, Identity Guard is a leading provider of consumer and corporate identity risk management. The company wants to do more than protect, they are committed to educating and empowering their clients while encouraging everyone to take control of their personal information. Identity Guard’s family plan provides protection for all adults and children who live in the home. Here is a quick look at the systems key features:

Pros

  • IBM Watson Artificial Intelligence
  • Dark Web Monitoring
  • Potential Cyberbullying Alerts
  • Black Market Surveillance
  • Fraud Detection
  • Credit Card Monitoring
  • $1 Million Dollar Insurance
  • Lost Wages Covered
  • Address Monitoring
  • Internet Security
  • Lost Wallet Protection
  • Name and Alias Monitoring
  • Bureau Credit Monitoring
  • Affordable Plans and Prices
  • Data Breach Security
  • Digital Protection

Cons

  • Limited Recovery Services
  • No Money Back Guarantee
  • No Limited Power of Attorney

A unique feature, clients receive with Identity Guard is a digital privacy protection suite. The company has worked to strengthen online privacy for individuals and families who use social mediaIdentity Guard has proven that they are committed to protecting their clients by offering data breach services, in addition to monitoring, digital protection, and insurance. With Identity Guard’s data breach readiness service, organizations plan and develop a synchronized response to data breaches. The data breach response team provides organizations the help and support in restoring a client’s confidence post-breach. A unique feature, clients receive with Identity Guard is a digital privacy protection suite. The company has worked to strengthen online privacy for individuals and families who use social media. The company standouts in what they can offer clients in regards to protective software, such as anti-virus, anti-phishing, password protection, flash blocking, keyboard encryption, and other online financial tools.

The family plan includes access to Megan Meier Foundation for assistance in the event cyberbullying is detected. Identity Guard’s plans are competitively priced with other identity theft protection companies.  The company offers several plans to choose from, the Premier Family Plan with Watson is priced at $34.99 a month. The plan includes an assessment of your FaceBook timeline and makes recommendations on how to improve you and your family members’ online image, using IBM Watson artificial intelligence.

Identity Guard’s plans are competitively priced with other identity theft protection companies.  The company offers three plans to choose from: the Advanced Technology Identity Guard with Watson plan, the Quarterly Three-Bureau Credit Updates Identity Guard Total Protection Plan, and the Monthly Credit Report data Platinum plan. The Advanced Technology with Watson plan is priced at $19.99 per month. The plan includes a personal risk assessment, proactive action steps, and IBM Watson artificial intelligence. For the same cost, customers can choose the Total Protection plan, which includes 24/7 monitoring and alerts, $1 million in insurance to cover stolen funds, and quarterly credit scores and reports. Lastly, the most expensive plan, the Platinum plan, includes the same services as the Total Protection plan, with the only difference being, monthly credit scores, and reports, as opposed to quarterly. This plan cost $24.99 per month.

4. Experian

Experian is one of the three major credit bureaus. The company provides programs to assist consumers in monitoring and improving their credit. Identity Works is what Experian offers as a monitoring and identity theft service for consumers. Experian knows that protection for your whole family is important and offer plans to include protection for two adults and up to ten children. For more than 125 years, Experian has helped clients prosper in more than 80 countries and the company employs approximately 17,000 people in 37 countries. They are committed to helping consumers, businesses, lenders, and organizations.  Here is a glimpse of some pros and cons:

Pros

  • Social Security Number Trace Alerts
  • Change of Address Alerts
  • Social Network Monitoring
  • Dark Web Surveillance
  • Credit Monitoring
  • Id Theft Insurance
  • Fraud Resolution
  • Credit Report Lock
  • Sex Offender Alerts
  • FICO Score Refreshed Daily

Cons

  • Must Cancel by Phone

Experian’s Identity Works plan monitors over 600,000 worldwide to detect any misuse or fraudulent activity of your information. Experian believes that safeguarding your children’s future starts now and helps families to stay on top of things to prevent identity theft from going unnoticed for years. In the event of fraud, each client is given a specialist, dedicated to working with you to restore your credit. In addition, they give you control to lock your Experian credit report, preventing anyone from running a credit check and locking out thieves. The company provides a fresh FICO score each day for its clients. The company provides excellent customer service and offers phone support 7 days a week.

Experian offers clients a 30-day free period and a plan that will cover your entire family at an affordable price. The child identity protection includes social network monitoring, Dark Web surveillance, SSN monitoring, fraud resolution services and $1 million in identity theft insurance. The one adult and up to ten children plan starts at $14.99 per month and adding an additional adult increases the plan price to $19.99 per month.

5. Zander Insurance

With over 80 years in the insurance industry, Zander has been a name people trust and turn to for insurance needs. The company offers an array of competitive products and services. The company strives to offer identity theft protection at an affordable price, including financial fraud, child ID theft, employment fraud, title fraud, social security fraud, and more. Zander Identity Theft services have a 100% recovery success rate. Here are some features worth noting about Zander Insurance:

Pros

  • Affordable 100% Recovery Success Rate
  • Covers All Types of ID Theft
  • $1 Million Stolen Funds and Reimbursement
  • Well Established Company
  • Social Security Number Monitoring
  • 24/7/365 Customer Support
  • 24/7/365 Recovery Services
  • Wallet Protection
  • Free Credit Monitoring Reminders
  • Data Breach Updates
  • Court Records Monitoring
  • Change of Address Monitoring

Cons

  • No Credit Monitoring
  • Limited Website Information

With its sole focus on providing its clients with the most affordable identity theft protection, Zander has set itself apart by offering one the best and most affordable plans available. The extensive protection will cover stolen funds, legal fees, lost wages and a $1 million identity theft insurance policy with a zero deductible.  Zander’s individual plan starts at a very affordable $6.75 per month or $75.00 a year. The family plan cost $12.90 per month or $145.00 a year. Unlike other protection providers, if you fall victim to identity theft, Zander will follow up with you after your case has been resolved for up to 3 years to ensure you are recovering successfully and are satisfied with your services.

Features of Identity Theft Protection Services

Once thieves have access to your personal information they can open accounts, drain your bank account, open and charge credit cards, and a multitude of other acts that destroy your credit and take an emotional toll as you experience financial stress, anxiety, and emotional volatility. With identity theft service providers constantly changing and trying to stay ahead of fraudulent activities, it’s important to find a provider that best fits your needs. Here are features and extras to consider:

SSN Monitoring

The nine-digit numbers on your social security card should always be protected and used with caution.  A thief with your social security number can cause a multitude of problems. Many identity theft protection services provide social security monitoring to alert you anytime your social security number is used.

Dark Web Monitoring

Cyber monitoring or dark web monitoring is a prevention product used to monitor websites that are public but require certain software to access. Identity theft protection services, will monitor the dark web and alert you if your information is found online.

Social Media Monitoring

With a mass increase in the use of social media, the risk of identity theft has greatly increased within the social media environment as well. There has been a growing comfort and trust in social platform providers, that often leads to users simply sharing too much information. Monitoring services are available to alert social media users of privacy and reputation risk on major social media network.

Identity Restoration

Identity resolution and identity restoration are two very different things. Resolving or finding a resolution to your problem is helping you resolve an act of identity theft. Restoration is doing all the work for you. A good monitoring service will do just that in the event you fall victim to fraud. Identity restoration means you do very little work and the outcome of restoration is a guarantee.

Identity Theft Insurance Coverage

Protection services that offer identity theft insurance often cover expenses that related to identity theft. These can include expenses, such as phone bills, certified mail cost, notary fees, attorney fees, lost wages and more.

Address Change Verification

It is not uncommon for thieves to attempt to divert your mail to try and get your personal information. There are protection services available that will alert you of any changes in USPS address requests linked to your identity.

Nationwide Potential Cyberbullying Alerts

Alerts help to inform you about potential cyberbullying or reputation damage detected.

Loan Application Monitoring

With loan application monitoring, companies monitor applications for credit cards, bank accounts, loans, and other activities, watching for anyone who might be attempting to use your personal information.

File-Sharing Network Searches

Service providers monitor popular networks for the use of your information. File sharing can put users at risk without the proper measures in place. Identity thieves may attempt to access your personal information.