LifeLock has emerged as a comprehensive identity theft protection provider, offering flexible plans that can cover everyone from solo individuals to large families. Whether you're looking to protect yourself, your partner, your kids, or aging parents, there's likely a LifeLock configuration that fits your household's needs.
The company structures its offerings across three main tiers — Standard, Advantage, and Ultimate Plus — each available for individuals, couples, and families. What sets LifeLock apart is its adaptability: you can add children through LifeLock Junior coverage and even extend protection to seniors. With identity theft affecting millions of Americans each year and causing billions in losses, having comprehensive family protection has become increasingly important.
LifeLock’s Family Plans
LifeLock offers three different levels of protection and pricing: Standard, Advantage, and Ultimate Plus. The key is matching your needs and budget to the right tier. All three plans offer at least $1 million in identity theft insurance, which can be used to cover expenses incurred and money stolen as a result of identity theft.
Here's how each family plan works and the protection they provide.
LifeLock Standard for Families
The Standard Plan for families costs $18.49 per month with the annual plan, billed for the first year at $221.87, or $35.99 month-to-month. This is LifeLock’s most basic tier and it includes:
- Up to $1,050, 000 coverage per adult and child
- Up to $1 million in coverage for lawyers and experts****
- Up to $25,000 in stolen funds reimbursement****
- Personal expense compensation of up to $25,000 for your losses****
- U.S.-based identity restoration specialists to help you restore your identity if it is lost
- 24/7 live support if you experience an identification breach
- Lost wallet protection
- Help to reduce your exposure to personal information such as your Social Security number, address, and other details
- Alerts for personal information on credit applications
- Alerts for personal information that is found on the dark web
- Alerts for any change in address on the USPS
- Fake personal information alerts if there is some identity risk
- Utility account creation monitoring
- One credit bureau monitoring for any type of changes to your account.
- File-sharing network searches
- Guided child credit freeze
LifeLock Advantage for Families
The Advantage plan offers everything that the Standard plan offers, but it also includes the following for $29.99 per month (billed annually):
- Up to $1.2 million in coverage for each adult
- Up to $1,050, 000 coverage per child
- Up to $100,000 in personal expense compensation****
- Up to $100,000 in coverage for stolen funds reimbursement****
- TransUnion credit file lock
- Payday loan lock
- Phone takeover monitoring
- Alerts for criminal reports with your personal information
- Buy now, pay later alerts
- Credit scores and annual reports for each adult
We recommend Advantage for families with teenagers approaching college age or parents who are active online shoppers. The enhanced monitoring covers more financial touchpoints.
LifeLock Ultimate Plus for Families
The highest level of protection is the Ultimate Plus plan. It offers more features at $38.99 per month, including:
- Up to $3 million in coverage for each adult
- Up to $1,050, 000 coverage per child
- Up to $1 million in stolen funds reimbursement (up to $25,000 per child)****
- Up to $1 million in funds for personal expense compensation (up to $25,000 per child)****
- Up to $1 million in coverage for lawyers and experts****
Its features include everything in the Advantage plan as well as:
- Investment and retirement plan monitoring
- Personal information on file-sharing networks
- Sex offender registry with your name.
- Alerts for new bank account applications that contain your personal information
- Credit monitoring for all three credit bureaus
- Unlimited credit scores and reports from one credit bureau
- Home title monitoring
- Social media monitoring for each adult
LifeLock's family plans cover up to two adult individuals and five children under the age of 18. Children under this plan don't get the same benefits as adults, however. For instance, instead of a $1,000,000 stolen funds reimbursement, each child only gets $25,000 covered. The same applies to personal expense compensations. But for legal fees coverage and expert identity restoration, each child is covered by a $1,000,000 policy.
Some features, like home title monitoring, credit report and scores, phone takeover monitoring, and others are not applicable to children, as well. Here's a complete list of features your children will get with the Ultimate Plus family plan, the highest level of protection from LifeLock:
- Up to $25,000 stolen funds reimbursement
- Up to $25,000 personal expense compensations
- Up to $1,000,000 coverage for legal and professional fees
- U.S.-based identity restoration
- Identity and SSN alerts
- Stolen wallet protection
- File-sharing network searches
- Credit file detection
As for the costs of the family plans, here's what we've gathered.
| Plans | Standard | Advantage | Ultimate Plus |
|---|---|---|---|
| Monthly plan | $35.99 | $57.99 | $79.99 |
| One-year plan | $221.87 ($18.99 per month) | $359.88 ($29.99 per month) | $467.88 (38.99 per month) |
| Monthly renewal after the first year | $35.99 | $57.99 | $79.99 |
| Yearly renewal after the first year | $359.99 ($29.99 per month) | $579.99 ($48.33 per month) | $799.99 ($66.67 per month) |
LifeLock Junior Plan
For smaller families or anyone wanting targeted child protection, the LifeLock Junior plan might be more budget-friendly than jumping to a full family plan. (You won't get a discount even if you protect just one child with the family plan.) LifeLock has a Junior Plan, which is a child identity monitoring service.
The LifeLock Junior plan includes protection for:
- Dark web monitoring for personal information
- Lost wallet protection
- Identity restoration support from U.S.-based specialists
- Stolen funds reimbursement (the dollar amount depends on the plan level selected in the adult plan)
- File sharing network searches
- Credit file detection, to let you know if your child’s Social Security number has been used to open an account
At last check, the Junior plan was available for $5.99 per month for the first year.
Bundling Norton 360 Software with LifeLock Coverage
One of the benefits of Norton acquiring LifeLock is that you can bundle antivirus protection with identity theft coverage. However, the combined costs can jump quickly for larger families. Unfortunately, bundling a family plan with the software doesn't result in massive savings. In fact, the costs can skyrocket rather quickly.
For example, the Norton 360 with LifeLock Ultimate Plus bundle starts at $34.99 per month (billed annually at $419.88 for the first year). This provides you with both the security software and LifeLock's most comprehensive coverage. Adding your spouse brings an additional $14.99 monthly charge, pushing the total to $49.98 per month. Each child you want to add with LifeLock Junior is an additional $5.99 per month.
A family of four (two adults, two children) would pay approximately $61.96 monthly, or $743.52 for the first year — approaching the $1,000 mark when renewal rates kick in.
Lifelock Plans for Couples and Individuals
Keep in mind that LifeLock does not care about your domestic situation. The assumption might be that the “two-adults Family plan” (aka the “couples” plan) is for married people, or at least two people who have been dating long enough to get into a low-stakes financial arrangement. If you and your roommate want to split a couples plan to save money, LifeLock is not going to look into it.
Yes, the LifeLock plan for couples plan is for any two adults living within the same household. The couples plan offers the same features as the individual plans, but for two people instead of one. Its pricing is as follows:
- Standard: $23.99 monthly or $149.87 for the first year
- Advantage: $45.99 monthly or $287.88 for the first year
- Ultimate Plus: $32.99 monthly or $395.88 for the first year
While there is a significant increase in price from the Standard to the Advantage plan, the latter helps to ensure that the person living with you stays safe from identity theft. And since the potential financial effects of identity theft can be life-changing, both partners in a relationship need to be protected.
Final Thoughts
LifeLock's family plans sit at the premium end of the identity protection market, but we think they deliver comprehensive coverage. Before choosing a plan, we think the best approach is assessing each family member's digital exposure and financial complexity. A family with young children might do fine with Standard. Households with teenagers applying to colleges or parents managing investments should look into the higher tiers.
*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.
****Reimbursement and Expense Compensation, each with limits of up to $1 million for Ultimate Plus, up to $100,000 for Advantage and up to $25,000 for Select, when purchased in Norton 360 with LifeLock plans. And up to $1 million for coverage for lawyers and experts if needed, for all plans. Benefits under the Master Policy are issued and covered by United Specialty Insurance Company (State National Insurance Company, Inc. for NY State members). Policy terms, conditions and exclusions at: LifeLock.com/legal.
