Derek Prall https://www.safehome.org/author/derek-prall/

LifeLock provides identity theft protection for a wide range of needs. For those who have children, it is possible to add on LifeLock Junior, coverage for your minors. You can also create a plan that includes your senior parents, which gives you more insight into what is happening with your parents’ identity on a continuous basis. Combining these plans allows you to create a family plan that fits your unique needs.

LifeLock’s Individual & Family Plans

LifeLock offers three different levels of protection for individuals. This is where your family plan starts. You’ll need to choose the right level of protection for your individual needs, applicable to all adults. All plans offer the Million Dollar Protection Package**** which includes coverage for personal expenses incurred and money stolen as a result of identity theft, up to the limits of the plan you choose.

Here’s a look at some of the other features that are included in these plans.

LifeLock Standard Plan

The Select Plan, which is $8.99 per month, includes:

  • Up to $25,000 in stolen funds reimbursement****
  • Personal expense compensation of up to $25,000 for your losses****
  • Up to $1 million in coverage for lawyers and experts****

The Standard Plan features include:

  • U.S. based identity restoration specialists to help you to restore your identity if it is lost
  • 24/7 live support if you experience an identification breach
  • Pre-approve credit card offer reductions to stop you from receiving offers
  • 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
  • One credit bureau monitoring for any type of changes to your account.

Norton 360 with LifeLock Advantage Plan

The Norton 360 with LifeLock Advantage Plan offers everything that the Standard Plan offers, but it also includes the following for $13.99 per month:

  • Up to $100,000 in personal expense compensation****
  • Up to $100,000 in coverage for stolen funds reimbursement****
  • Up to $1 million in coverage for lawyers and experts****

This plan’s features also include:

  • Alerts for any large scale breach that occurs
  • Alerts for large purchases, withdrawals, and transfers through your credit card accounts, checking, and savings accounts
  • Alerts for criminal reports with your personal information
  • You also get an annual credit report and score from one credit bureau

Norton 360 with LifeLock Ultimate Plus

The highest level of protection is the Norton 360 with LifeLock Ultimate Plus plan. It offers more features at $29.99 per month, including:

  • Up to $1 million in stolen funds reimbursement****
  • UP to $1 million in funds for personal expense compensation****
  • Up to $1 million in coverage for lawyers and experts****

Its features include everything of the Norton 360 with LifeLock 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
  • A credit score and annual credit report from each of the three credit bureaus
  • Monthly credit score tracking

LifeLock for Couples

The reason that we started with the individual plans is that the family plans offer the same features as the individual plans. The only difference is the number of individuals covered.

The first family plan is for couples, or any two individuals living within the same household, for that matter. The couples plan offers the same features as the individual plans, but for two people instead of one. Its pricing is as follows:

  • Standard: $10.99 monthly or $131.88 for one year
  • Advantage: $25.99 monthly or $251.99 for one year
  • Ultimate Plus: $34.99 monthly or $347.88 for one year

Given that the couples plans cost just a couple of dollars more than their individual plan counterparts, it makes a lot of sense to go for these plans. Not only will you save a lot of money, but you can 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.

FYI: You don’t have to be spouses to get a couples plan from LifeLock. As long as you’re both adults living in the same household, you can get a couples plan.

LifeLock for Families

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 Select Advantage Ultimate Plus
Monthly plan $16.99 $29.99 $37.99
One-year plan $179.88 $299.88 $371.88
Monthly renewal after the first year $35.99 $57.99 $79.99
Yearly renewal after the first year $359.99 $579.99 $799.99

LifeLock Junior Plan

If the family plans seem too much for you, it might make more sense to buy coverage for each individual child rather than go for the family plan that covers up to five children. (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

Final Thoughts

LifeLock’s plans are not the most affordable, but if you’re looking to protect your entire family, LifeLock has great offers in store. You just have to be smart in picking the right plan for your family’s situation, as well as understand each of your family member’s needs and risks.

*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.