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Best Value Award 2017
  • Monthly Price: $26.99
  • Offer: 30 days risk free
  • Pros
  • "Best Value 2017" Award Winner
  • Data Breach Notifications
  • Lost Wallet Protection
  • Live member support
  • Reimbursed for range of expenses
  • $1 million total service guarantee
  • Cons
  • Does not monitor medical insurance information
  • Only tracks TransUnion credit score monthly

LifeLock Review

Last Updated:
MoneySavingPro Best Value Award 2017

Did you know identity theft is the fastest growing crime in the U.S. and other countries? According to the TransUnion, every minute about 19 people fall victim to identity theft and it takes the average victim $500 and 30 hours to resolve each identity theft crime.

Most cases of identity theft can be resolved if caught early but it's best to take caution and prevent identity theft by getting your personal information monitored regularly.

LifeLock has sought to help reduce identity theft crimes by protecting your identity by using a combination of groundbreaking tools and systems. The company was founded in 2005 and has since then started serving 3.6 million members while introducing a range of identity protection tools into the marketplace.

LifeLock Plans

LifeLock also offers several products that can help protect you if your identity is stolen. Each plan offers interesting monitoring services and innovative tools like black market monitoring, the LifeLock Identity Alert System and lost wallet protection, among other helpful features:


This product uses innovative technology to monitor and alerts you if identity thieves become a threat to your information. If there is suspicious activity an alert is sent to your phone, email or mobile app and an identity restoration specialist.


This plan is the second most comprehensive product from LifeLock. In addition to their standard services, they also offer court records scanning that will search for instances of crimes committed using your information.

With this plan, you will also be notified if a large organization had a data breach, so you can take proactive steps to protect yourself if your information could have been involved.

Ultimate Plus

According to LifeLock, their Ultimate Plus program is the best identity theft protection they offer. The program contains three main layers of protection: detect, alert, and restore. This is their most comprehensive plan. In addition to their other services, they also provide some other notable services.

They offer annual credit reports and scores so you can monitor your credit and keep an eye out for some potential fraud or mistakes on your report. They also monitor file sharing services to look for breaches in your data.


This is one of LifeLock's most unique products. A child's identity and credit information are particularly interesting to identity thieves because they tend to have spotless records.

Features & Tools

For the detection aspect of the service, LifeLock uses their cutting edge technology to monitor over a trillion data points around the clock in order to detect if your personal information is being used to get loans, apply for credit etc.

LifeLock has a reliable Identity alert system that sends members potential fraud alerts conveniently via text, phone or email. LifeLock can help you recover from the effects of becoming a victim of identity theft by enlisting one of their Identity Protection Agents to help you take the right steps toward reclaiming and restoring your identity.


In addition to these aforementioned points, as a LifeLock member you are reimbursed for fraudulent withdrawals, lost wages, lost wallet/purse, child/elderly care, travel expenses, and document replacement fees.

In the event that a data breach occurs at one of the businesses you've shopped at, medical offices you've visited or even your own employer, LifeLock will be one of the first to let you know about large-scale breaches in order to help protect your private information.

LifeLock has a unique $1 Million Service Guarantee. The guarantee states that if you ever become a victim of identity theft while a LifeLock member, the company will spend up to $1 million to hire experts to help with your recovery.

Once you sign up and enter your payment information, you'll have access to the member portal where you can sign in at any time to check on alerts and updates and view your profile.

Members also get the benefit of receiving monthly account summaries and newsletters containing helpful and actionable identity theft prevention tips.


Some of the disadvantages of this membership include the fact that they only provide monthly credit score tracking with only one of the three major credit bureaus. Tracking your credit score and report is important if you want to improve your chances of preventing identity theft.

Information can vary between different credit bureaus so it's best to have access to all three to get the full picture. It's also worth mentioning that while this program offers court records scanning, they do not offer medical insurance information scanning services which may be significant to you since medical insurance fraud is another type of identity theft that criminals take part in.

Customer reviews and company reputation are two great ways to determine whether or not you should get a Lifelock Identity Theft plan. On the Better Business Bureau, LifeLock is not an Accredited Business with an A- score. Trustpilot, a website that ranks companies purely from customer reviews, rates LifeLock a 6.1/10. Keep in mind that the experiences of one customer are not representative of the company as a whole, but it is important to spot potential issues you may have with the company early nonetheless.

LifeLock Customer Service

While you may be able to monitor your own credit and identity to a certain degree, LifeLock goes the extra mile to check common criminal websites to see if your personal data is being stored there. The experts on staff know the industry well and try to leave nothing left on your end to handle or worry about.

With the $1 million service guarantee, LifeLock makes the risk of becoming a victim of identity theft and having to deal with the hardship of it relatively low. If you're interested in signing up with an identity theft protection company, be sure to contact LifeLock with any questions or concerns you may have and to learn about their programs thoroughly so you can determine if it's best for you.


LifeLock receives high marks in nearly all the identity protection categories. You can feel assured that this company will have you covered in the event of fraudulent charges and theft. One drawback is that it does not monitor your medical insurance records.

However, if you can cope with that fact and keep an eye on your credit report from the two other major credit bureaus, you may enjoy the five-point protection plan that takes pressure and stress off of you when it comes to monitoring and protecting your own identity.

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LifeLock Reviews

Average Customer Rating

2 User Reviews

User Rating Distribution

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4 Stars 0
3 Stars 0
2 Stars 0
1 Star 2
Not Recommended None Does not pick up transactions

I was signed up with Lifelock for over a year and whilst I was using their services I applied for a car loan and a credit card and not once were these registered on my account.. I'm not sure how they are suppsoed to pick up fraudulent activities if they can't pick up any activity! Needless to say I cancelled shortly after.

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Not Recommended Friendly reps Terrible product

Don't waste your money signing up to Lifelock, the only good thing are the friendly reps, but the main point of the service is to pick up any transactions to prevent fraud and not once have they contacted me, even when I have taken out credit.

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