LifeLock Ultimate Plus® Review Identity Theft Protection 4.5 2017-02-21 13:36:55

LifeLock Ultimate Plus® Review

Sign up for LifeLock Ultimate Plus®
Bottom Line:
Thorough identity theft protection and 3-bureau credit report monitoring; annual 3-bureau credit reports and scores; monthly Equifax credit scores; somewhat costly even with 10% discount; 30-day risk-free* trial
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Full Review:
[Editor's Note: For a limited time, LifeLock® is offering a 10% discount and a 30-day risk-free* trial to visitors. There is no coupon code required to take advantage of this offer but you must click on a link from our site. Simply click on any LifeLock® link on to take advantage of this discounted pricing.]

LifeLock® is not a new name to identity theft protection, considering the company has been around since 2005 and has continued to offer complete protection to its members. The service provides top-notch identity theft protection and three-bureau credit reports and scores, accessible each year; however it is somewhat pricey — even with the 10% discount — when compared to other top-rated services.


LifeLock Ultimate Plus® costs $24.75/month** when you pay for one year upfront ($296.90/year), or $26.99/month if you choose to pay monthly. LifeLock Ultimate Plus® also includes a 30-day risk-free* trial that allows you to try out the service and decide if you find value in it or get your money back. LifeLock® does not offer an all-in-one family plan, but it does offer protection for children with LifeLock Junior™. This plan allows you to add your children to an existing adult's LifeLock Ultimate Plus® plan for only $5.39/month or $59.39/year — including the 10% discount. If you'd like to pay less per month, the LifeLock Advantage® plan is $17.99/month when paid month-to-month or $16.50/month on annual prepay, but it only offers single-bureau credit monitoring.


Signing up for LifeLock Ultimate Plus® is quick and easy. Once you've entered some basic personal information, such as your address and social security number, you have the option to add family members. If you choose to add other adults or children at this time, you will see these changes reflected when you enter your payment information. LifeLock® offers a 30-day risk-free* trial, so you will need to enter your credit card information at signup. If you decide you aren't satisfied during the 30-day trial, you can call and get a refund. Once payment information has been entered, the service walks you through the personal information registration process so it can actively monitor for any potentially fraudulent use. Although it's easy to put this step off, you shouldn't because inputting your information will ensure that LifeLock® will begin protecting your identity immediately.

Identity Theft Protection

LifeLock Ultimate Plus® offers a complete list of identity theft protection features that includes everything from lost wallet protection*** to black market website surveillance and daily three-bureau credit report monitoring. The protection begins with the LifeLock Identity Alert® technology, which uses a network† of unique data sources to provide a broader range of protection than just credit report monitoring. You'll be alerted if any suspicious activity is found, such as if your personal information is being used to open new credit cards, wireless services, retail credits, utilities, check orders and reorders, mortgage loans, non-credit related payday loans and auto loans. Alerts are sent via email, phone or SMS text. Your online account will also be updated with any alert information. It's easy to change how LifeLock® contacts you through the account management section.

Next, LifeLock Ultimate Plus® includes active scanning of Internet black market websites to make sure your name (including your maiden name, if applicable), credit card numbers, driver's license, social security number, home address and email are not being sold or traded to identity thieves. In the event that your information is found, you will be alerted via email, phone, SMS text and/or mobile app. LifeLock® also searches national databases for new address information and notifies you if your address has been changed, a common tactic of identity thieves. In addition, it reduces the circulation of pre-approved credit offers you receive in the mail by requesting a removal of your name from the pre-approved credit card mailing list.

In addition, LifeLock Ultimate Plus®' data breach notifications feature informs you whenever there is a publicly reported larger-scale data breach so you can take action to help protect your personal information before the breached information causes damage to your identity. To help protect your financial information from fraud, LifeLock® offers credit card, checking and savings account alerts that notify you when cash withdrawals, balance transfers or other transactions surpass a certain threshold. The default amount is $200, however you can adjust this any time by logging into your LifeLock® account online. Similarly, investment account activity alerts notify you when there is specific activity on any of your investment accounts. It should be noted that in order to take advantage of either of these financial alerts, you need to link these accounts to your LifeLock® membership by logging into your account online.

LifeLock Ultimate Plus® also includes monitoring of file-sharing websites and surveillance of public and court records to verify that your information is not being used by identity thieves. LifeLock Ultimate Plus® will also alert you when new savings or checking accounts are opened in your name by scanning new bank account applications.

LifeLock Junior™ monitors for your child's information on applications for credit cards, wireless services, retail credit, utilities, mortgages, auto and payday loans, and alerts you if suspicious activity is detected. It 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™, your child will be protected by LifeLock®'s $1 million guarantee.

Another protection LifeLock® offers that families will appreciate is the sex offender notification, which alerts you to registered sex offenders within your zip code. It will also let you know if a sex offender tries to register using your address.

Credit Report Monitoring Information

On top of the protection detailed above, LifeLock Ultimate Plus® offers three-bureau — TransUnion, Equifax and Experian — daily credit report monitoring and monthly tracking of your Equifax credit score. LifeLock® will alert you in the event that any credit inquiries or changes — such as new lines of credit — are made to any of the three of your credit reports.

In addition to the daily credit report monitoring, LifeLock Ultimate Plus® also provides you with instant online access to your three-bureau credit reports and scores upon signup. These reports and scores are updated annually at the time of the anniversary of your signup with the company. Additionally, LifeLock Ultimate Plus® provides you with monthly updates of your Equifax credit score.

Identity Theft Assistance

In the event that you fall victim to identity theft, LifeLock Ultimate Plus® connects you to a certified resolution specialist who will work with you throughout the restoration process for no additional charge. On top of access to a specialist, LifeLock® also offers a $1 million guarantee****, which could be used to cover expenses such as legal fees. Although the guarantee is a good tool to have, we found that most value lies in the access to the specialists, because the real cost of identity theft is the loss of ability to get credit for an extended period of time as well as the time and effort it takes to restore your good name, and these specialists help you resolve those issues as soon as possible.

Customer Service

LifeLock® offers some of the most generous customer service hours we've seen. Customer service representatives are available by phone 24 hours per day, seven days per week and 365 days per year. You can also contact customer service representatives via email, fax and traditional mail. We found all forms to be effective ways to communicate and found the LifeLock® customer service representatives to be very helpful, even when we had some difficult questions for them.


Overall, LifeLock® is a pioneer in identity theft protection and still offers one of the best values in the category. LifeLock Ultimate Plus®' service is complete with advanced identity theft protection features, annual three-bureau credit report monitoring and scores, as well as monthly updates to your Equifax credit score. Although we wish the service provided credit report updates more frequently than once per year, it is still a solid identity theft protection service backed by 24/7 customer support and a fraud resolution team.

*Credit card required at enrollment. If you're not completely satisfied within your 30-day risk-free period, call 1-800-LifeLock to receive a full refund. At enrollment, your credit card will be billed automatically ($8.99mo/$98.90yr for LifeLock Standard™ or $17.99mo/$197.90yr for LifeLock Advantage™ or $26.99mo/$296.90yr for LifeLock Ultimate Plus™, plus applicable sales tax). Further details about automatic charges will be provided at enrollment. You can cancel LifeLock services anytime without penalty by calling 1-800-LifeLock. Offer is for new LifeLock members only. Offer is available for LifeLock Standard™, LifeLock Advantage™ and LifeLock Ultimate Plus™ memberships only. Not combinable with other offers.

**Applicable sales tax not included.

****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

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.

Disclosure: has a financial relationship with Lifelock whereby NextAdvisor is compensated if consumers choose to enroll in Lifelock via links on the web site.

Sign up for LifeLock Ultimate Plus® | Compare to Other Identity Theft Protection

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Product Details

Price:30-day risk-free* trial; $24.75/mo** (w/annual prepay & our 10% discount)
Fraud Monitoring:Monitors 3-bureau credit reports, applications, credit cards, SSN, driver's license, address change, credit card and bank account activity, investment accounts, sex offender registry, court records
ID Theft Insurance/
$1,000,000 guarantee****
Reports Delivered:Equifax credit scores monthly; 3-bureau credit reports & scores annually
Computer Security:None

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