LifeLock Ultimate Plus, its official name, is one of the most comprehensive of all identity theft protection tools. It includes credit monitoring services for all three of the national credit reporting agencies as well. Though it costs a bit more, that increased price comes with some of the most important features and tools for people today.

This includes dark web monitoring, lost wallet protection, and credit card and checking account activity alerts. This particular package also comes with up to $1 million in stolen funds reimbursement coverage. That refunds you dollar-for-dollar for any money you lose as a result of identity theft. This service also includes alerts for crimes that occur in your name, data breach notifications, and fictitious identity monitoring services.

Users will find the credit management tools effective with all three credit bureaus providing credit reports and scores one time per year. It includes credit monitoring on a monthly basis from one credit bureau as well.

Features & Services

What makes the LifeLock Ultimate package one of the most comprehensive out there is all of the features it provides. Here are some of the most important options available to consumers.

LifeLock Privacy Monitor Tool

At the heart of all LifeLock services is this monitoring tool. It is an easy-to-use tool that provides protection for private information. The goal is to help keep personal information private.

Three-Bureau Credit Monitoring

One of the key ways this particular package stands out is because it covers all three credit bureaus with monitoring. It looks for any significant changes to the credit file, such as new accounts, new addresses, or significant changes in credit usage. This helps to detect fraud. It also includes an annual credit report and score from all three credit bureaus. In addition to this, the service includes a monthly credit report with a score from one of the three credit bureaus.

Sex Offender Registry Reports

This plan will send an alert to you if your name or any of your personal information appears on sex offender registries.

File-Sharing Network Searches

This service also is able to provide monitoring for key information, such as Social Security numbers, your date of birth, or your name and contact information on files that are shared. This includes data files, but also photos and music.

Bank Account Monitoring

The service monitors for significant changes in checking and savings accounts, including providing a notification if someone tries to open a checking or savings account with your private information. It monitors for new bank accounts opened with your information as well as any takeovers, such as when your account information is linked with another party’s information.

Identity Restoration Support

If there is any instance in which your personal information is breached, the company does not just report it to you. It also works with you to restore your identity. The company has U.S.-based restoration specialists who will work one-on-one with you to pinpoint what happened and how to reverse the risk.

Ease of Use

Credit and identity theft protection from LifeLock Ultimate is easy enough to use. It is all managed on the app or the company’s website. Your information remains protected and secured. Individuals who want to manage their account on the go will appreciate the use of the app.

Customer Service

LifeLock’s customer service is available 24/7. The company’s specialists are as well. It also provides a robust website and account management area for users who want to connect and find help online. Overall, the company’s team is easy to work with, though some people have reported concerns related to ineffective services.


The LifeLock Ultimate plan is the most robust of all of the company’s products. It is priced at $29.99 per month. There are additional taxes that may apply. Users can save a bit of money by purchasing an annual membership for $329.89.


Overall, LifeLock Ultimate is a complete package providing for most of the needs of those who want to minimize the risk of identity theft. It also offers good credit monitoring tools to help spot most types of risks as they occur. Some would say the increased cost of the LifeLock Ultimate Plus plan over the lower tiered plans is well worth it overall because of how comprehensive this package is.

*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.