If you know any identity protection service, you probably know LifeLock. LifeLock was one of the first big brands in identity monitoring and identity theft protection. And over the years, this company has invested a lot of marketing dollars to become a household name.
We haven’t just heard of LifeLock. We’ve tested it, too. We spent a lot of time using this service and digging into the features and benefits. You can read all about that in our full LifeLock review. But for today, we’re going to unpack LifeLock’s plans, pricing, and current deals to see if they have coverage that makes sense for you. The brand has recently teamed up with Norton to really bolster their offerings. So let’s see if LifeLock is worth your time and money.
With LifeLock, there are a handful of plan options on the menu. In fact, there are four separate LifeLock plans to choose from. Three of the four plans include Norton 360, a security service for connected devices that LifeLock’s parent company owns.
As you’d expect, the different subscription levels include different features. The leanest LifeLock plan offers us credit monitoring for one bureau, social security number monitoring, and some insurance coverage. 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 insurance plans cover other expenses, too, like lawyer fees. In other words, with LifeLock, there’s something for pretty much everyone.
Pro Tip: How much insurance do you need? The average cost of identity theft is $1,343.1 But most ID theft victims don’t lose anything at all (thanks to safety features built into financial/bank accounts).2 On the other hand, some people lose everything they’ve worked so hard for. The good news is that ID theft insurance is now cheaper than ever — even affordable services like Zander Insurance offer $1 million in coverage. It’s the industry standard these days.
|LifeLock Plans||LifeLock Standard||Norton 360 w/ LifeLock Select||Norton 360 w/ LifeLock Advantage||Norton 360 w/ LifeLock Ultimate Plus|
|Price for the first year||$9.99 / mo.||$9.99 / mo||$19.99 / mo||$29.99 / mo|
|Price after the first year||$11.99 / mo.||$14.99 / mo||$24.99 / mo||$34.99 / mo|
LifeLock has enough plans and packages to fit just about any budget. But you’ll need more than prices to decide on a plan. So we recommend giving each option a closer look, and then pick the one (if any!) that strikes a balance between affordability and helpful features. Keep in mind that everyone is different, and the monitoring that’s important to us might not be important to you, and visa versa. Thankfully, LifeLock seems to cover the gamut!
As we work our way up the plan levels, we start to unlock more features. The most obvious change is with the insurance. We mentioned that most identity protection services offer $1 million in insurance coverage. LifeLock does, too, but their stolen fund’s reimbursement only starts at $25,000 with the entry-level Standard plan (you’re still covered for up to a million dollars for things like lawyer expenses, accountants, etc.). Stolen funds coverage doesn’t hit $1 million until we get to LifeLock’s top-tier plan, Norton 360 with LifeLock Ultimate Plus.
Keep an eye on credit monitoring, too. We recommend credit monitoring in pretty much all cases and across the board for everyone. That said, we do think it’s most useful when you have all three major bureaus covered. Unfortunately, only LifeLock’s Ultimate Plus plan offers 3-bureau credit monitoring (and it’s not cheap!).
Also keep in mind that Norton 360 features scale up with LifeLock’s plans, too. Higher-tier plans come with some really nice perks, like a VPN (virtual private network) for instance.
Pro Tip: Want a more private internet experience? Use a virtual private network. VPNs create a secure and encrypted connection between you and a VPN server. When you browse the web, your traffic will be coming from the VPN server, effectively hiding your real location. Thanks to the encrypted communication, your data will be more secure, too.3
As 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. With each price tier, you’re only adding (or improving) features, never losing them. Now let’s dive into the individual plans to see how things shake out.
LifeLock Standard is the cheapest option, hands down. However, it still includes crucial features like credit monitoring (for one bureau) and social security number monitoring. You’ll be covered if you’re ever a victim of an identity crime. 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. At only $9.99 per month for the first year, we think it’s a good deal. But you might want more robust coverage.
Who it’s best for: LifeLock Standard is ideal for budget shoppers looking for essential coverage on the cheap.
Norton 360 with LifeLock Select is similar to the LifeLock Standard plan. The big difference is that Norton 360 is included this time around. You may have heard of Norton’s antivirus software and device security products. Norton 360 is one such product, and it’s helpful to fight off viruses and malware. This plan costs $14.99 per month (after the first year), but it also includes a VPN, which we think is a great perk. Note that other services, like IdentityForce, include web security features — but they’re nothing as comprehensive as this.
Who it’s best for: Norton 360 with LifeLock Select is a safe bet for budget shoppers who want device security and VPN services.
Did You Know: In early 2017, the parent company of Norton, Symantec, acquired LifeLock for a whopping $2.3 billion!4
Moving up to the Advantage plan — priced at $24.99 per month after the first year — we’re introduced to extra monitoring features. This LifeLock plan lets you add bank and credit card accounts to monitor for suspicious transactions. It also expands public records checks to include crimes committed in your name. Thankfully, stolen funds coverage is bumped up to $100,000 for extra peace of mind. The drawback is that you’ll still only get one bureau credit monitoring. However, you will get an annual credit report and credit score from one bureau.
Who it’s best for: Norton 360 with LifeLock Advantage is a good deal for those who want a bit more insurance coverage but don’t feel that they need three-bureau credit monitoring.
FYI: It’s always nice when services give us annual credit reports and scores. But keep in mind that you can get your own credit report for free. By law, the three major credit bureaus have to hand over one report per year, free of charge — all you have to do is ask.5
This is LifeLock’s most expensive option, but it’s also the most complete plan. At $34.99 per month (after the first year), you’ll get three-bureau monitoring and up to $1 million in insurance coverage for stolen funds alone. We also like that this plan includes monthly score tracking, even though it’s only for one bureau — it could help you reach personal finance goals. Annual credit reports and scores are included, too, but this plan shares them from all three bureaus, not just one. This premier plan by LifeLock offers some of the best protection in the business.
Who it’s best for: Norton 360 with LifeLock Ultimate Plus is best for folks who want complete identity theft coverage and total peace of mind.
The best deals we’ve seen offered by LifeLock are the first-year discounts mentioned above. To sweeten the deal for new customers, LifeLock drops the monthly prices on each plan for the first year. Depending on the plan, this can mean up to $5 per month in savings. It’s not the best deal in the world, but that’s $60 in savings over the course of the year. See below for LifeLock’s monthly fees beginning the first day of your second year of service.
|LifeLock Standard||LifeLock Advantage||LifeLock Ultimate Plus|
|View Plans||View Plans||View Plans|
|Reimbursement for Stolen Funds****||Reimbursement for Stolen Funds****||Reimbursement for Stolen Funds****|
|Personal Expense Compensation****||Personal Expense Compensation****||Personal Expense Compensation****|
|Million Dollar Protection Package****||Million Dollar Protection Package****||Million Dollar Protection Package****|
|SSN Alerts||SSN Alerts||SSN Alerts|
|Credit Alerts||Credit Alerts||Credit Alerts|
|Data Breach Notifications||Data Breach Notifications|
|Fictitious Identity Monitoring||Fictitious Identity Monitoring|
|Bank Account Takeover and New Accounts Alert|
|File-Sharing Network Searches|
When you lock in the best price, we think you get good value from LifeLock. But even still, how does it measure up to the competition?
We think that LifeLock’s cheapest plan is one of the better budget-friendly options out there. It falls in that $10-15 per month price range we like to see for affordable protection, and it includes all of the important core features: monitoring, recovery, and insurance. Note that it’s not the cheapest option in the industry, but it’s a solid choice backed by a trusted name. Other low-cost options we recommend include plans from IdentityForce and Experian IdentityWorks.
LifeLock’s higher-tier plans are a little pricey compared to competitors like Identity Guard. But part of why LifeLock is more expensive is that it includes Norton 360. And we think Norton 360 brings a lot of value to the table. The VPN is a big plus, for example. VPN subscriptions on their own can cost around $5-10 per month. Overall, we found Norton 360 with LifeLock to be a solid value for the money.
LifeLock has been around for a long time. You may recall seeing commercials for LifeLock before many of its competitors even existed. But marketing campaigns aside, we get actual hands-on experience with their products, and we’ve come to trust LifeLock over the years.
With that said, LifeLock’s relatively long history has some dark moments. The company got into hot water over deceptive advertisements back in the 2000s.6 Some LifeLock ads made it sound like LifeLock would actually prevent identity theft from ever happening. It doesn’t. In fact, there’s not a service out there that can keep the bad guys at bay. Rather, it’s all about early detection and recovery.
Did You Know: “Identity protection” is a tricky term. LifeLock doesn’t stop identity thieves in their tracks — that’s the FBI’s job. What LifeLock does is alert you when suspicious activity occurs. This allows you to lock down your credit and take other actions to limit financial or reputational damage. Think of it as a safety net, not a superhero.
LifeLock was also involved in an embarrassing scandal in the 2010s, when it accidentally exposed user email addresses.7 That’s a pretty bad look for a company in this business. At any rate, LifeLock weathered the storm and lived to tell the tale (well, they won’t tell it, but we will!). When the dust finally settles, we think LifeLock is a strong brand name in the identity monitoring business, despite their checkered past.
Norton 360 keeps devices like smartphones and laptops virus- and malware-free. It also includes a VPN, ad-blocker, anonymous browsing tool, PC SafeCam, and a cloud backup system for PCs.
You can protect up to five devices on the Norton 360 with LifeLock Select plan, up to 10 devices on the Advantage plan, and unlimited devices on the Ultimate Plus plan.
All LifeLock plans include $1 million in coverage for attorneys and experts used in identity theft recovery. Each plan also includes coverage for personal expenses and stolen funds related to identity theft. The coverage in here starts at $25,000 each and grows to $1 million with LifeLock’s top plan.8
No. LifeLock is designed to keep you aware of potential threats and ring the alarm when fraud takes place. However, you can limit your risk of being an identity theft victim by doing things like using strong passwords and shredding personal documents.
Technically, you don’t need any monitoring at all — but we recommend you have it! Monitoring your credit helps you spot fraud fast. Most of the time, the three major bureaus see the same things. However, it’s possible for financial activity to be reported to just one or two of the three bureaus. So we recommend springing for three-bureau monitoring for extra coverage and peace of mind.
Gredler, C. (2016, September 9). The Real Cost of Identity Theft. CSID.
Money. Timestaff. (2014, May 26). Do I Need Identity Theft Insurance?
Hoffman, C. (2019, November 22). What Is a VPN, and Why Would I Need One? How-To Geek.
Baker, L; Roumeliotis, G. (2016, November 20). Symantec to acquire LifeLock for $2.3 billion. Reuters.com.
Federal Trade Commission Consumer Information. Retrieved June 4, 2020. Free Credit Reports.
Federal Trade Commission. (2015, December 17). LifeLock to Pay $100 Million to Consumers to Settle FTC Charges It Violated 2010 Order.
Krebs, B. (2018, July 25). LifeLock Bug Exposed Millions of Customer Email Addresses. Krebs on Security.
LifeLock. Retrieved June 4, 2020. Evidence of Coverage: All Members Except NY and WA State Residents.