Children are vulnerable to cyber attacks and identity theft just like adults are. What makes them even more at risk is that their credit information is not routinely checked for breaks. However, LifeLock Junior offers a solution. This tool is available to those who are under 18 years of age. It helps to provide most of the same types of monitor available through the LifeLock program but is designed for parents to use for their children.
This package is only available to those who purchase an adult membership. Still, it offers a wide range of benefits to users including protection from the most common types of identity theft such as credit theft.
Features & Services
LifeLock Junior identity theft protection is a comprehensive tool. What makes it so valuable is the large list of features it offers. Here are some of the most valuable.
LifeLock Identity Alert System
All of the LifeLock services include this alert system. If there is any indication of a breach in identification information, the system sends an alert directly to the user. In this case, the parent would receive either a fax, email, or phone call. The company’s Identity Restoration Specialists then step in to provide assistance to address and resolve the problem.
Identity Restoration Support
If there is any instance in which identity theft occurs, this system goes to work to fix it. The Identity Restoration Support provided is from a single specialist who has ample training and experience in this area. They work with you to restore your credit or other identifying information as quickly as possible.
Dark Web Monitoring
The dark web is one of the biggest risk factors for those facing identity theft. With dark web monitoring, the service works to provide users with alerts any time-sensitive information is sold or found on the dark web. This is where this type of information is commonly sold. For children’s identifications, this can be very important.
Stolen Funds Reimbursement
If identity theft occurs, and it leads to some type of financial left, the LifeLock Stolen Funds Reimbursement feature**** goes into play. The company will reimburse you for the losses incurred. The amount of money paid depends on the package selected, but it ranges from $25,000 to $100,000 and up to $1 million for the largest plan****.
Credit File Detection
This service tends to help because most children under the age of 18 should not have a credit file. When a credit file begins, that means someone has created a credit account in the child’s name. With this detection service, it is possible to catch this type of action as soon as it happens. The company uses the child’s Social Security number to monitor for any type of change in this area.
Ease of Use
The system is easy to use. All of it is done through a single membership portal. Users control how they receive alerts and the type of alerts they get. The restoration process is straightforward and tracked through the membership portal as well.
LifeLock is a well-established company with a range of services to offer. It offers a comprehensive website with frequently asked questions. There is also a member support area for increased information access and a toll-free number to call for questions and account information. The best component of customer service here is that LifeLock provides a single specialist to work with you on your claim, which means better communication, overall service, and clarity through any restoration process.
The LifeLock Junior product is available for a fee of $5.99 per month. However, to obtain it, users must first purchase an adult membership. LifeLock adult memberships range in price from $11.99 per month for LifeLock Standard, $24.99 per month for Norton 360 with LifeLock Advantage, and $34.99 per month for the Norton 360 with LifeLock Ultimate Plus plan.
For a parent purchasing just for a child, this is not the ideal choice. However, for parents who want to add their child’s information to their identity theft protection, this is an inexpensive additional level of protection.
LifeLock Junior is an important tool for children today. While most parents wouldn’t suspect this risk, it is something that can happen to anyone. With this tool, parents know what type of actions are being taken with their child’s sensitive information and can take steps to protect it fully.
*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.