PROS / LifeLock Ultimate Plus safeguards your bank account information and watches the black market for your data.
CONS / This identity protection service doesn't protect your insurance records or provide computer security software.
VERDICT / The LifeLock Ultimate Plus ID theft protection does an excellent job of helping keep your personal information safe. It uses a five-point plan to monitor your personal information and respond to potential threats. Additionally, it has 24/7 member assistance.
Editor's note: On December 17, 2015, the Federal Trade Commission announced a $100 million settlement of charges for LifeLock's violation of a 2010 federal court order that addressed the company’s security practices and advertising. We have not yet altered our review of LifeLock in response to the settlement but will be doing so when we update our Identity Theft Services comparison in early 2016. Here’s an article with more on the settlement, including LifeLock’s response to it.
LifeLock Ultimate Plus identity theft protection service provides a comprehensive list of monitoring and alert features to help you to protect your identity. Its five-point plan helps keep you safe by monitoring your personal information, scanning black market websites for the illegal buying or selling of your personal information, responding quickly to threats, tracking your credit score and providing a one million dollar guarantee‡ for its services. For these reasons and more, LifeLock Ultimate Plus is our Top Ten Reviews Gold Award winner.
LifeLock monitors public records for misuse of your identity as well as criminal sites for the buying, selling or trading of your personal information on the black market – up to a trillion data points in a day. Whenever it detects that someone is using your personal information to apply for one of the many forms of credit, including auto loans, mortgage loans, utilities, retail credit, wireless services and credit cards†, the service sends you an alert. You then verify if the transaction is legitimate or not. Once LifeLock Ultimate Plus determines that the application in question is fraudulent, the remediation team will take action. However, this service does not send fraud alerts to the credit card monitoring services; you will need to do that yourself.
If you become a victim of identity theft while you're a LifeLock Ultimate Plus member, LifeLock will spend up to $1 million to hire trained experts to recover your identity under its total service guarantee. This service guarantee applies to residents of every state, which sets it apart from other services that have lesser guaranties for New York. In addition, this service will repay your losses up to $1 million.
If you lose your wallet or have it stolen, you can contact a LifeLock identity theft protection expert who can help you cancel credit cards and deal with issues stemming from losing your identification as well. Coverage includes credit and debit cards, driver’s licenses, Social Security cards, insurance cards, checkbooks and travelers checks. Pictures, cash and cash equivalents are excluded.
LifeLock Ultimate Plus helps protect nearly every piece of your personal information, which is what you should expect from the best identity theft protection company in the industry. While all services cover the most common information – your social security number, address, and credit cards – LifeLock's identity protection scans also look for email addresses, telephone numbers, bank account information and even your driver's license. They check public records, payday loan applications and criminal records. The only thing this service doesn't monitor is your medical insurance numbers. Many other services do this.
This ID theft protection service monitors your bank accounts for unauthorized changes in personal information, including changes to existing accounts, adding accounts or requests to add new members to an account. It alerts you of new credit card applications or loans being taken out in your name. LifeLock does not stop at financial information, however. You will get reports on criminal activity associated with your name.
In addition, this service provides you with a sex offender list for your neighborhood. Not only can you check to make sure an offender hasn't fraudulently used your address to register his or her location, but you'll also know if there are any sex offenders living in your area.
Junk mail offers for credit cards or banking are not only annoying, but can put you at risk of identity theft. This identity theft protection company sends requests to have your name removed from pre-approved credit offer mailing lists. This also limits what dumpster divers might find in your garbage.
Children's identities are stolen 30 percent to 50 percent more often than adults'. LifeLock has a plan to protect your children's identities as well as your own. This covers the same services your plan does, plus peer-to-peer file sharing networks. The company also guarantees this service up to $1 million.‡
This service does not provide a computer security suite. A few of the services we reviewed provide their members with antivirus and spam-blocking software, and even keystroke encryption software.
Help & Support
LifeLock identity theft protection customers can access their member portal at any time. Member service representatives are available around the clock to answer your questions, and in case of identity theft, you'll have a team of experts at your disposal.
For general information, you can call or email customer service or check the FAQs. There's also a live chat on the website. The way it responds suggests it's a bot, at least until it gets past general questions, but it can provide you with excellent information.
Education goes a long way in preventing identity theft, and this ID protection website has a comprehensive section with news, tips for you and your family, and steps to take if your identity is stolen.
This identity theft protection service offers monitoring and alerts to protect your identity against fraud. By covering black market sites as well as public records and looking beyond financial issues, LifeLock Ultimate Plus does the best job at safeguarding your personal information against identity theft.
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† Network does not cover all transactions and scope may vary.
‡The benefits under the Service Guarantee are provided under a Master Insurance Policy underwritten by State National Insurance Company. Under the Service Guarantee, LifeLock will spend up to $1 million to hire experts to help your recovery. As this is only a summary, please see the actual policy for applicable terms and restrictions at LifeLock.com.