LifeLock Standard® Review
LifeLock® has been a pioneer in identity theft protection since 2005, and offers some of the most comprehensive protection and credit report monitoring features on the market. Unfortunately, not all of that is true for the basic LifeLock Standard® membership. Similar to LifeLock Ultimate Plus®, this plan offers a lot of identity theft protection and identity restoration tools; however, unlike LifeLock Ultimate Plus®, the LifeLock Standard® membership does not include any credit report monitoring or provide you with your credit reports and scores. It also does not provide as high a level of monitoring as you get with the more expensive plan.
With the 10% discount, LifeLock Standard® costs $8.25/month** when you pay for one year upfront ($98.90/year), or $8.99/month if you pay monthly. LifeLock Standard® comes with a free 30-day trial, which allows you to test the service prior to making any financial commitment. If you want to add protection for children in your family under 18, LifeLock Junior™ costs $5.99/month or $65.99/year per child.
The signup process for LifeLock Standard® includes five easy steps that help it move along smoothly. Once you're all signed up, a pop-up window appears and requests your personal information so LifeLock® can start monitoring it. Even though this process may seem unnecessary, it's essential that you complete this step sooner rather than later because the sooner you complete it, the sooner LifeLock® can completely protect you.
LifeLock Standard® helps protect your identity using several different, mostly basic, protection methods. The first is the LifeLock Identity Alert® system that uses data sources to detect your social security number, name, date of birth or address on applications for credit and other services — such as utilities — within an extensive network† to make sure your information is not being used fraudulently to open any account that could damage your credit reports. If your personal information is detected on any of the applications, you will be alerted via email, phone, SMS text or mobile app and provided with steps that you should take to protect yourself. You can change how and when you receive these alerts easily within your account preferences. Similar to the Identity Alert feature, LifeLock Standard® also includes address change verification that will notify you anytime LifeLock® detects a change of address connected to your personal information.
Next, LifeLock Standard® offers black market website scanning, which includes the active monitoring of your personal information on more than 10,000 criminal websites to verify that identity thieves are not buying, selling or trading any of your information. LifeLock® will alert you via SMS text, phone, email and/or mobile app in the event that it finds any of your information on these websites.
If your wallet is ever lost or stolen, LifeLock® will help you replace all of the contents with its lost wallet protection***. This feature allows you to store the information you keep in your wallet — such as your credit and debit cards, driver's license, insurance cards, checkbook, etc. — on your LifeLock® online account. Then, in the event that your wallet is misplaced, you can call LifeLock® and a representative will assist you with the cancelling of these cards or documents as well as provide you with additional steps that you should take to protect your identity.
The final feature that LifeLock Standard® uses to protect your identity is the reduced pre-approved credit card offers feature, which requests the removal of your name from pre-approval credit card mailing lists. Often identity thieves will steal pre-approval credit card offers in the attempts to open the card in your name without you knowing. Reducing the number of pre-approval offers you receive can help alleviate the risk of you falling victim to this aspect of identity theft.
LifeLock Junior™ monitors for your child's information on applications for credit cards, wireless services, retail credit, utilities, mortgages, auto and payday loans, as well as alerts you when suspicious activity is detected. This service also monitors your child's social security number to verify that no credit files are associated with it, and scans more than 10,000 criminal websites on the Internet black market to verify that your child's personal information is not being sold. Since children and young adults often use peer-to-peer sharing websites, LifeLock® also searches these networks for exposure of your child's personal information. And, in the event that your child is a victim of identity theft, as a member of LifeLock Junior™ they will be protected by LifeLock®'s $1 million guarantee****.
Unfortunately, the basic LifeLock® membership does not include any sort of credit reports or scores unless you upgrade your account to the LifeLock Ultimate Plus® plan and pay more money each month. You do have the option to check your three-bureau credit reports annually on your own, however, checking it once per year isn't often enough to catch credit fraud before it gets out of hand.
In the event that you do fall victim to identity theft while you're a member of LifeLock®, you will receive complete access to a certified resolution specialist — for no additional cost — who will help assist you through every step of the identity restoration process. On top of complete access to a specialist, you will also be protected with LifeLock®'s $1 million guarantee that can be used to cover certain out-of-pocket costs, which can include legal fees. Even though the guarantee is a good addition to the restoration process, we find the value of the service lies in the resolution specialists because they will help alleviate the headache and piles of paperwork that you need to complete when you fall victim to identity theft.
LifeLock® offers some of the most generous customer service hours out of any identity theft protection we review. You can reach a LifeLock® customer service representative via phone 24 hours a day, seven days a week and 365 days a year. You can also contact a customer service representative through email, fax or traditional mail. We found all forms of communication to be effective, considering we received a speedy response from friendly and helpful customer service representatives.
Even though LifeLock® is usually a top-runner in identity theft protection, we found the LifeLock Standard® membership falls short in terms of credit report monitoring. That being said, the service does offer top-quality identity theft protection features as well as identity theft restoration assistance. Although a service with three-bureau credit report monitoring would be best to protect you from identity thieves opening new lines of credit in your name, the LifeLock Standard® membership is still a great option to protect your identity and personal information. If you're looking for a LifeLock® membership that includes complete identity theft protection as well as credit report monitoring, you may want to consider LifeLock Ultimate Plus®.
*Free Disclaimer: At the end of the 30-day trial period your card will be billed automatically ($8.99 monthly/$98.90 annually for LifeLock standard) unless you cancel within the 30-day trial period. You can cancel anytime without penalty by calling 1-800-LifeLock.
**Applicable sales tax not included.
***Excludes pictures, cash, and cash equivalents.
****Service Guarantee benefits for State of New York members are provided under a Master Insurance Policy issued by State National Insurance Company. Benefits for all other members are provided under a Master Insurance Policy underwritten by United Specialty Insurance Company. Under the Service Guarantee LifeLock will spend up to $1 million to hire experts to help your recovery. Please see the policy for terms, conditions and exclusions at LifeLock.com/legal.
This site is not owned or operated by LifeLock, Inc. and the contents of this site are either under the exclusive control of NextAdvisor, Inc. or other third parties not under the control of LifeLock, Inc. Any representations contained in this site are those exclusively of the site owner and not LifeLock, Inc., and LifeLock, Inc. is not responsible for the accuracy of any such representations. The site operator may receive compensation from sales made through this site. Copyright 2014 Next Advisor, Inc. LifeLock, LifeLock Ultimate, the LockMan Logo and "Relentlessly Protecting Your Identity" are trademarks or registered trademarks of LifeLock, Inc.
†Network does not cover all transactions.
|Price:||Free* 30-day trial; $8.25/mo** (w/annual prepay & our 10% discount)|
|Fraud Monitoring:||Monitors credit and debit cards, SSN, driver's license on Internet black market and address change verification|
|ID Theft Insurance/|
|Reports Delivered:||None, unless plan is upgraded|
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