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

The Federal Trade Commission (FTC) has been tracking fraud reports in the U.S. since 2001.1 Until about 2015, it was a steady haul upwards. Then, from 2016 to 2020, the increase in fraud cases looked like the Hillary Step. (That’s a 40-foot wall of vertical rock if you’re not up on your Everest lore.) At the very top of the list is identity theft.

In other words, it’s easy to understand why so many law-abiding citizens with savings, medical plans, and clean criminal records have flocked to identify theft protection programs in the past four years. The problem is, once you make the decision to turn to ID protection pros, things can get tricky: It’s often too many pricing tiers, with too many features you know nothing about.

Did You Know: In 2001, the FTC logged 325,519 fraud reports. By 2020, the number had climbed to 4.7 million.

That’s where free trials can make a huge difference — even for industry giants like LifeLock, one of the Best Identity Theft Protection plans on the market. If you’ve been thinking about a LifeLock subscription, but are still on the fence, here’s everything you need to know about their free trial, plus a few insider tips.

LifeLock Essentials

Even if you know nothing about LifeLock, you probably know Norton, LifeLock’s parent company. Norton antivirus software is everywhere. In fact, it’s probably protecting one of your devices right now.

LifeLock has been around for a while, too. In fact, when LifeLock hit the market in 2005, they were one of the first names in identity theft protection. Today, their 5 million-plus customers are proof that LifeLock is doing something right.

That said, if you’re new to LifeLock, their product line can be a bit of a head-scratcher. Talk about plans and options! It’s enough to say that LifeLock has divided its plans — which range from basic to premium — into packages that include Norton malware protection and packages without it.

Why am I mentioning this up top? Because all LifeLock free trials come with Norton. In my book, this is the right way to experience LifeLock. (ID theft and malware protection go hand in hand.) Besides, if you absolutely don’t want antivirus software in your ID theft protection package, you can always downgrade to the slightly cheaper LifeLock Standard plan once the trial period is over (more on this below).

Pro Tip: Keeping your devices free of bugs, ransomware, and assorted bad code is a huge part of good digital hygiene. But take it from the pros: staying bug-free is almost impossible without some kind of malware protection software.

LifeLock Free Trial: 30 or 60 Days?

So you’re going to give LifeLock a shot? Great. You still have to make one more big decision: Do you want to trial LifeLock for 30 or 60 days? To trial LifeLock for 30 days, just choose the monthly billing option. That means you pay $29.99 upfront (you get it back if you cancel your subscription). If you want an extra 30 days on the house, you’ll have to pay $299.99 for the yearly subscription.

Is paying 10 times more for 30 more days really worth it? Honestly, if it were me, I’d probably trial LifeLock for a month. It’s definitely enough time to get comfortable with the product and to figure out if it’s the right one for you.

LifeLock Free Trial Breakdown

Trial What You Pay Upfront
30-day free trial (monthly plan) $29.99
60-day free trial (yearly plan) $299.99

FYI: Young people (age 20-29) get scammed more often than older people (age 70-79), but when an older person does get scammed, the financial damage is typically much worse.

Insider Tip 1: Cancelling My LifeLock Free Trial

Not to bring this ID theft protection party crashing down, but in the event that you don’t want to continue with LifeLock, the first thing you’ll need to do is deactivate auto renewal. This is pretty standard operating procedure for free trials. You can do that by signing in to your LifeLock account, and then clicking “Manage my account.”

Just be warned: When you deactivate auto renewal, you aren’t asking for a refund. You need to do that separately. And here’s where you really need to be extra vigilant with LifeLock.

If you went with the 30-day money-back trial ($29.99), you need to request your refund within 14 days of purchase, not 30. Presumably, this means you can still use LifeLock for about two weeks after you request your refund. (Why you’d want to do that is a mystery only the Norton marketing team may be able to answer.)

Either way, the takeaway here is simple: getting your money back from LifeLock is a two-step process. First, cancel that auto renewal, then ask for your refund within 14 days.

Did You Know: Totally new to ID theft protection? Welcome aboard. Check out our ID Theft Protection Buyer’s Guide to learn about all the types of ID theft out there and what you can do to start protecting yourself.

Insider Tip 2: Downgrading My LifeLock Subscription After the Trial Period

Previously, I mentioned that you could divide LifeLock subscriptions into two general categories: options with Norton malware protection (they call these Norton 360 with LifeLock) and those without (plain LifeLock). See below for more specifics.

LifeLock Select ($14.99 per month after the first year) comes with Norton 360. LifeLock Standard ($11.99 per month after the first year) doesn’t. Both of these are entry-level plans.

I also mentioned that you can’t trial the no-frills LifeLock Standard, only LifeLock Select. But here’s what you can do. If you test LifeLock for 30 days and like what you see, and want to continue without Norton 360, you can cancel your current subscription and open a LifeLock Standard subscription.

That’s worth pointing out for readers who might have their own virtual private network (VPN) subscription with malware protection. There is no reason, in other words, why you can’t combine best-in-class ID theft protection with a first-rate VPN.

Pro Tip: To downgrade to LifeLock Standard from your LifeLock Select plan after the trial period, you’ll need to cancel your LifeLock Select subscription and register for a new Standard plan. You’ll also need to download a new desktop application.

Which LifeLock Plan Should I Trial?

Norton 360 with LifeLock offers three monthly plans, and you can trial any one you want for free for 30 days. While prices won’t mean anything for a free trial (if you choose not to keep using LifeLock), they will be a factor if you decide to continue with LifeLock. So here’s a quick breakdown.

LifeLock Plan Pricing

Select is Norton 360 with LifeLock’s entry-level plan ($9.99 for the first year, $14.99 thereafter). For more robust protection, you can trial Advantage ($19.99 for the first year, $24.99 thereafter) or Ultimate Plus ($29.99, then $34.99).

If these figures sound steep, keep in mind that they’re the more expensive monthly rates. Annual plans, as always, are cheaper. To give you an idea of the savings there, just take the mid-range Advantage plan. Paying yearly, you save $4 per month (or $20.83 per month versus $24.99 per month). Not bad. Expect to find the same savings for LifeLock’s Select and Ultimate Plus plans.

Now let’s take a quick look at the features you’ll want to pay attention to when choosing a LifeLock free trial.

LifeLock Plans and Pricing Breakdown

Plan Pay by the Month Pay by the Year Top Features
Norton 360 with LifeLock Select $14.99 per month $12.50 per month SSN & Single-Bureau Credit Monitoring
Norton 360 with LifeLock Advantage $24.99 per month $20.83 per month SSN & Single-Bureau Credit Monitoring with Data Breach Monitoring
Norton 360 with LifeLock Ultimate Plus $34.99 per month $29.17 per month Triple-Bureau Credit Monitoring with Data Breach, 401(k) Activity & Home Title Monitoring

FYI: Think imposter scams only happen on TV? According to the FTC, in 2020, one out of every five people in the U.S. lost money in imposter scams. The average loss was $850.

LifeLock Plan Features

It’s true that one major difference in LifeLock’s three plans is the amount they’ll reimburse you for in the event of actual stolen funds. LifeLock Select covers you for up to $25,000, while Ultimate Plus is good for up to $1 million.

But, honestly, the stars would have to be seriously misaligned for you to get scammed to the tune of a cool mil during your LifeLock trial period. So I’d say the extra stolen fund reimbursement isn’t a huge incentive to trial Ultimate Plus.

However, while you’re choosing a LifeLock option to trial, it’s worth considering what kind of protection you’re going to want over the long haul.

Did You Know: Ever wonder how companies like LifeLock actually get your identity back for you if it does get stolen? They send in ID Restoration Specialists. Restoration Specialists will work with you to restore your identity anywhere it’s been compromised.

For instance, while all three LifeLock packages come with privacy and dark web monitoring, data breach alerts, and ID and Social Security alerts, LifeLock Ultimate Plus is the only plan that gives you triple-bureau credit monitoring. Check out my LifeLock review for the full story on why triple-bureau credit monitoring might come in handy. Here’s the short version.

We have three agencies that issue credit reports in the U.S. (TransUnion, Equifax, and Experian). If there’s a problem with just one of them — and you’re unaware — you could be in for some serious financial trouble down the line. If you think you wouldn’t be able to sleep at night without complete credit monitoring, I’d definitely recommend trialing Ultimate Plus.

Otherwise, the lighter, less expensive Select or Advantage plans would be my free trial choice.

LifeLock Features by Plan

LifeLock Select LifeLock Advantage LifeLock Ultimate Plus
Price $149.99 per year*
($12.50 per month)
$244.99 per year*
($20.83 per month)
$349.99 per year*
($29.17 per month)
Services
  • Stolen Funds Reimbursement up to $25,000
  • SSN Monitoring
  • Single-Bureau Credit
  • Monitoring
  • Stolen Funds Reimbursement up to $100,000
  • SSN Monitoring
  • Single-Bureau Credit Monitoring
  • Data Breach Monitoring
  • Stolen Funds Reimbursement up to $1,000,000
  • SSN Monitoring
  • Triple-Bureau Credit Monitoring
  • Data Breach Monitoring
  • 401(k) Activity Monitoring
  • Home Title Monitoring

*After the first year

LifeLock Ultimate Plus monitors your credit at all three credit bureaus as well as your savings and home title.

Pro Tip: If you’re the victim of a data breach, it means a bad actor has gained access to your personal info by exploiting a vulnerability in a third-party website or app. Many times, hackers steal email addresses and passwords (to sell on the dark web), but they also loot phone numbers, Social Security numbers, and addresses.

LifeLock’s Free Trial Compared

When it comes to free trials, LifeLock is pretty generous, especially if you go with the yearly subscription. We’re talking 60 days of free service! That’s pretty much in a category of its own among the top-tier ID theft protection plans I’ve tested.

Experian’s IdentityWorks plans, including both Plus and Premium, offer 30 days free. So does IdentityForce’s Ultimate Secure option. However, not all ID theft protection providers do.

Bottom line? LifeLock is particularly confident you’ll like what you see, and has put its “services” where its mouth is.

Did You Know: Fraudsters can hack their way into your home title and use it to take out loans in your name. That’s where home title monitoring is a lifesaver (available with LifeLock Ultimate Plus). With your house title under lock and key, if a thief ever uses it for nefarious purposes, you’ll get an instant alert.

Is LifeLock’s Free Trial Worth It?

Committing to an identity theft protection plan isn’t quite the same thing as choosing a VPN or antivirus software. Yes, hiding your digital footprint is absolutely crucial these days. So is hacker-proofing your laptops, mobiles, and tablets with a VPN. But protecting the title to your home? Your life savings? Your very identity? There’s a little more at stake there.

Because of that extra risk, I really believe you should be absolutely comfortable with the ID fraud protection plan you choose. You should have the right features, and at least a month to familiarize yourself with the software that will end up being your “ID theft protection control center.”

And that’s exactly what LifeLock’s free trials will give you, no matter which one you choose: access to the full gamut of LifeLock’s many identity fraud protection features and enough time to test them all.

FYI: Nothing’s off limits to bad actors, not even funerals. In 2020, U.S. consumers reported over 1,300 cases of funerary services fraud.

LifeLock Free Trial FAQs

Does LifeLock have a free trial?
Yes, it does, for both its monthly and yearly plans.

How many days can I test LifeLock for free?
If you trial a monthly LifeLock plan, you have 30 days. Just make sure that you request your refund within the first 14 days, if you decide not to continue with LifeLock. If you test an annual subscription, you have 60 days.

Can I trial all of LifeLock’s plans?
All Norton 360 with LifeLock plans come with a free trial: Select, Advantage, and Ultimate Plus. However, you can’t trial basic (those without Norton 360) LifeLock plans.

If I trial Norton 360 with LifeLock, can I downgrade to a basic plan?
Yes, but you have to cancel your Norton 360 subscription first and then sign up for your new plan.

Does my free trial come with a VPN?
Yes, every Norton 360 with LifeLock plan comes with a VPN. The number of devices you can protect ranges from five (Select) to unlimited (Ultimate Plus). With the Advantage plan, you can use your VPN on 10 devices.