IdentityIQ Subscription Plan Pricing

IdentityIQ Subscriptions and Pricing

One thing that really stands out about IdentityIQ’s pricing structure is its tiered approach. IdentityIQ offers multiple tiers of service — there are four, to be exact — and each tier has varying price points and features. This lets you pick out the best service for you without compromising your budget. On top of that, IdentityIQ partnered up with Bitdefender to offer the Total Security antivirus plan for just a couple of extra bucks per month when purchased with an Identity IQ plan.

Anti-malware backs up IdentityIQ’s monitoring features to provide proactive protection against identity thieves. With so many fraudsters resorting to the use of malware to steal valuable information stored in computers, combining the two services puts you in a good position to defend yourself and your identity. But don’t worry; the anti-malware offer from IdentityIQ is completely optional, so if you already have software for that, you’re not obliged to buy from IdentityIQ. That being said, at only about $2 to $3 per month when purchased with an IdentityIQ plan, it makes a lot of financial sense to bundle.

IdentityIQ Plans

IdentityIQ Service Tiers at a Glance

That chart might be a little confusing, so let’s break it down even further.

IdentityIQ Secure

With the most basic plan — Secure — you’re going to pay $6.99 per month for bare-bones coverage. This is a great entry point, but it’s likely that you’re going to see some gaps in your coverage. You’re going to get the basics like dark web monitoring and Social Security number alerts, but the Secure plan only offers single-bureau credit monitoring and none of the bells and whistles like crime-in-your-name alerts. For reference, a comparable plan from Zander Insurance lacks credit monitoring entirely, so IdentityIQ’s entry-level plan is not bad at all.

IdentityIQ Secure Plus

For $3 more per month, you’ll get additional access to your credit reports from the three credit bureaus: Equifax, Experian, and TransUnion. This could further help you spot signs of identity theft, such as unauthorized credit pulls, wrong information, and new credit lines that you didn’t open. That being said, like the Secure plan, it only monitors one credit bureau on a daily basis, and the other protections are just as basic as the previous plan. Given that, we don’t think it offers enough features over the Secure plan to warrant the $3 monthly difference.

IdentityIQ Secure Pro

Moving up to the next rung will cost you $10 more for a total of $19.99 per month, but here we start getting into truly comprehensive coverage. You’ll have access to two credit reports per year, triple-bureau credit monitoring, and see the benefits of more advanced, nuanced protections.

IdentityIQ Secure Max

Finally, we have the marquee service — Secure Max. This includes everything IdentityIQ has to offer including monthly credit reports, a credit score tracking tool, advanced protections, and enhanced monitoring. All this functionality will cost you, though. It’s $29.99 per month — on par with some of the most expensive services out there.

IdentityIQ Credit Tracker

With all this in mind, it begs the question — which IdentityIQ plan packs the most punch?

Which IdentityIQ Plan Is the Best?

This is the question that is asked most often in any discussion about an identity theft protection service. I get it — you want the biggest bang for your buck. The simple answer is to go with the top tier of service since that always offers the best protections. But then again, not everyone is looking to spend $30 per month for every imaginable protection under the sun.

So here’s what I recommend …

The Secure service tier is seriously inexpensive, and Secure Plus is also really reasonable. Start there to get a feel for how IdentityIQ works, and to see if you even like the service. Then, after a few weeks, you’ll get a feel for what protections and tools you might be lacking. Once you have that understanding, upgrade to Secure Pro or Secure Max. You might decide you need the full suite of offerings, or you might decide you can do without a few. Either way, you’ll be fully protected from a functional standpoint.

While you’re testing the waters, we also recommend starting off with a monthly plan. They are more flexible, allowing you to downgrade or upgrade your plan while you figure out the perfect fit. Then, once you’re settled, upgrade to an annual plan to save up to 15-percent as compared to the monthly plan.

IdentityIQ Deals and Discounts

So, here’s the part where I’d normally tell you that you can try at least one tier of service risk-free for a week or so, but unfortunately — no such luck with IdentityIQ. You’re going to have to buy the ticket to take the ride.

Unfortunately, once you bought the ticket, there’s no going back. Even though most of its competitors offer money-back guarantees up to 30 days, IdentityIQ does not offer refunds. That’s one thing to keep in mind. It’s not exactly a deal-breaker, but before committing to an annual plan, make sure you like the service.

That said, you may be able to get discounts from IdentityIQ, particularly around Black Friday and Cyber Monday. Also, we always post about deals when we hear about them, so it pays to check back here as you’re shopping around. Don’t wait too long, though. The best time to purchase protection is today.

IdentityIQ Overall Value

One thing I really like is the way IdentityIQ has structured their subscription plans regarding their options. A lot of times services will give you two choices: their stripped-down cheaper version, or their full-blown service for full price; there’s no middle ground. With IdentityIQ, you really have an opportunity to see which features and functions you need, and pay only for those as you go. It’s the next best thing to à la carte service.

IdentityIQ Identity Monitoring

That said, you’re going to fork over quite a bit of cash if you want full access to everything IdentityIQ has to offer. And even then, it’s still missing some pretty important functionality that other services with a similar price provide like financial account monitoring. If this isn’t critically important to you, then it’s not something to worry about, but it’s certainly something to consider while comparison shopping.

Ultimately, IdentityIQ is an extremely powerful service that will get the job done when it counts. Are there more affordable options on the market? Certainly. Will you get as comprehensive a defense posture if you go with one of them? Probably not.

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