Editor's Note:: LifeLock Senior is no longer a part of LifeLock's offerings. Head over to our guide to LifeLock's plans to see LifeLock's current offers.
Overview
While LifeLock no longer offers a dedicated Senior plan, their standard identity theft protection services remain valuable for older adults who want to safeguard against identity fraud. LifeLock's comprehensive monitoring includes data breach notifications, court record scanning, and lost wallet protection. The company's services are designed to be easy to use, too, with a user-friendly mobile app. It simplifies navigation for both seniors and their adult children who may be helping manage their protection.
LifeLock provides USPS address change verification, home title monitoring, new accounts (as well as significant changes to existing accounts), and credit card activity alerts. It can also help individuals to reduce the number of pre-approved credit card offers they receive.
Features & Services
LifeLock offers a wide range of protection tools that can benefit seniors. The platform prioritizes accessibility, making these security features straightforward to navigate and understand. Here are some of the key features available to those who subscribe to LifeLock's identity protection services.
Wide Range of Threat Detection
The company's technology is streamlined and effectively designed to address most needs. It allows for the detection of threats from a number of sources. This includes bank and credit card activity that may be out of the norm such as cash withdrawals or transfers. It can also monitor retirement account activity including investment accounts and 401ks. It helps to monitor changes to the home's title, bank account takeover, and new account establishment using the individual's identification.
Dark Web Monitoring
The dark web is one of the hardest to monitor areas for identity theft, yet this is where many losses occur. LifeLock scans dark web forums and marketplaces to detect if your personal information appears in these hidden corners of the internet. Then, it alerts you if your Social Security number, name, or other personal data is being bought or sold by cybercriminals. According to the FBI's 2023 Internet Crime Report, adults over 60 lost more than $3.4 billion to cybercrime, making this monitoring especially crucial for seniors.1
Up to $3 Million in Coverage
LifeLock's highest-tier plans now offer up to $3 million in total coverage. That coverage includes up to $1 million each for stolen funds reimbursement, personal expense compensation, and coverage for lawyers and experts.
The stolen funds reimbursement covers money taken directly from your accounts due to identity theft. Personal expense compensation helps with costs like lost wages, childcare, or travel expenses incurred while resolving identity theft issues. Legal and expert coverage ensures you have professional assistance to navigate complex identity restoration processes.
24/7 Live Support Available
If there is a concern, the system sends an alert to the user. This can be done over the phone, through a text message, or through the mobile app, depending on the way the user wants to be contacted. This 24/7 member support is there for any need that may occur even one that you learn about in the middle of the night. What's more, these services are available through a U.S.-based identity restoration specialist. This makes communicating about your concerns easy to do.
Ease of Use
A standout feature for seniors is that trusted family members can be added to receive alerts on their behalf. This collaborative approach provides peace of mind for both seniors and their adult children. Additionally, the technology is very easy to navigate and use both on a personal computer or on the mobile app. While it does require several steps to access various alerts, most seniors who can use a smartphone app will find no trouble with LifeLock's interface.
Customer Service
LifeLock stands out for its responsive customer support. With professionals available 24 hours a day to provide assistance, the company is there immediately if there is a problem. Additionally, all of the representatives are based in the U.S., which makes communication easy to do. LifeLock also offers comprehensive resources online through the member area and a toll-free number for additional questions.
Value
LifeLock's current plans range from $7.50 to $28.33 per month for individuals (billed annually), with family plans available at higher rates. The company frequently offers promotional pricing for the first year. All plans include identity monitoring, alerts, and restoration support, with higher tiers adding features like credit monitoring, bank and investment account alerts, and increased insurance coverage.
Summary
For adult children who are worried about identity theft affecting their aging parents, LifeLock provides robust protection. Though it may seem a bit pricey for some, it offers comprehensive identity theft protection. With seniors losing billions annually to fraud and identity theft, the investment in proactive monitoring and professional restoration support can provide valuable peace of mind for families navigating the digital age together.
