Best Identity Theft Protection for Seniors
Our experts tested out dozens of identity monitoring services, and these options performed the best for seniors.
It’s a sad but true fact that elderly people can be more susceptible to identity theft, as they’re more likely to fall for phishing and phone scams. But whether you’re an elderly person yourself, or the loved one of an elderly person, there are a number of identity theft protection services that can help, some with discounts specifically for seniors. With coverage of criminal, credit, and financial areas plus identity theft insurance, these services can help seniors protect their identities, even without them knowing.
Quick Stats: ID Theft Protection for Seniors
|AARP Discount Eligible||Some|
|Yearly Pricing Available||Yes|
|Lowest Monthly Price||$6.00|
Best Identity Theft Protection for Seniors Overall
Best Identity Theft Protection for Working Seniors
Out of dozens of options that we’ve tested, our favorite identity theft protection services are Identity Guard and LifeLock. With comprehensive coverage and fair prices, we felt safe and secure with these subscriptions active.
The Best Identity Theft Protection for Seniors
- LifeLock - Best Identity Theft Protection for Seniors Overall
- IdentityForce - Best Identity Theft Protection for Working Seniors
- ID Watchdog - Best Identity Theft Protection for Seniors with Dark Web Scan
- Zander Insurance - Most Affordable Identity Theft Protection for Seniors
- IDShield - Best Identity Theft Protection for Seniors with Free Trial
Comparison of the Best Identity Theft Protection for Seniors
|Monthly Plan||$8.99-$25.99||$17.99- $23.99||$14.95- $19.95||$6.00- $12.90||$12.95- $32.95|
|Read Review||LifeLock Review||IdentityForce Review||ID Watchdog Review||Zander Insurance Review||IDShield Review|
A Detailed List of the Best Identity Theft Protection Services
1. LifeLock - Best Identity Theft Protection for Seniors Overall
LifeLock customers enjoy ID theft monitoring and device protection with Norton 360 antivirus.
LifeLock is part of the company Norton, which many people may already know for their impressive suite of digital security products and services. Meet LifeLock, the only identity theft protection service that gives seniors discounts through AARP. Available on its own and as part of Norton 360, LifeLock goes above and beyond to protect seniors from identity theft along with other online risks like phishing and viruses.
Note: AARP membership requires a fee, either $12 for one year, $43 for three years, saving members 10 percent, or $63 for five years, saving members 21 percent.
What We Liked
- Monitoring for 401(k), investment accounts, etc.
- Dark web monitored
- Credit monitoring for all three bureaus available
- Up to $1 million reimbursement for identity theft
What We Didn’t Like
- Five Eyes member
- History of false advertising, insecure storage of customer data
- Multiple apps
- Increased prices from last year
If you or your loved one is a member of the AARP, then you can get discounts on LifeLock. While for non-members, LifeLock starts at $8.99 a month, it starts at $7.99 a month for AARP members with a promo code. You can also get this deal by calling LifeLock directly and explaining your AARP membership. LifeLock is the only identity theft protection service we’ve tested out that offers discounts for seniors, so this is a clear choice for those 50 and older.2
In the modern world, there are many areas in which identities can be stolen from, whether it’s the dark web, which many seniors may not be aware of, or even something as seemingly innocuous as a bank account. Well, LifeLock covers it all, including but not limited to monitoring for:
- Sex offender registries
- Bank account takeovers
- Investment accounts
- Home titles
- Alerts on crimes committed
- Data breaches
- Credit scores and reports.
If you’ve read our page on LifeLock’s pricing, you can see which subscription contains which monitoring areas to find the perfect plan for the elder in your life.
In addition to being pretty extensive when it comes to monitoring our credit and identities, LifeLock also has bundles with Norton 360 which offers things like:
- PC cloud backup of up to 500 GB
- VPN coverage
- Anti-virus software
- Parental controls
- Safe webcam.
If you’re new to identity protection and want to protect yourself further online, then Norton is your one-stop solution for digital security.
2. IdentityForce - Best Identity Theft Protection for Working Seniors
Protect the whole family with IdentityForce family plans and get comprehensive credit monitoring.
Our second pick for the best identity protection for seniors is IdentityForce. The fact of the matter is that many seniors are still in the workforce, about one in five adults in the U.S ages 65 and up according to recent estimates.3 IdentityForce knows that, which is why they offer seniors plans for personal as well as business use. Let’s take a closer look below.
What We Liked
- Criminal, financial and credit monitoring
- Two-factor authentication with app
- Affordable prices
- Subscriptions for personal and business use
What We Didn’t Like
- Buggly iOS app
- No senior discounts
- Monthly packages are pricey
Good Option for Working Seniors
Many people may not know that businesses are also susceptible to identity theft, as criminals can gain access to a business’ cards, bank accounts or tax identification numbers, along with other personal information.4 For seniors still actively involved in the workplace, this is a problem, but IdentityForce has a solution with monitoring for online payments, medical records, website registrations and more. While their pricing isn’t listed online, businesses can try out IdentityForce for free for a period of time, so take advantage of this offer while it’s still hot.
Credit Monitoring From All Three Bureaus
If you’ve lived on this planet for a while, then you’re probably already aware of the fact that in the U.S, the three major credit-reporting bureaus are Equifax, Experian and TransUnion. With IdentityForce’s top-tier UltraSecure + Credit package, senors will get credit scores and reports from all three bureaus along with a tracker and simulator so they can see how certain actions might affect their credit scores. Whether you’re saving up for a vacation home or paying for a grandchild’s first semester at college, credit can greatly affect your chances of securing loans, but IdentityForce makes monitoring your credit a breeze.
Think of encryption as a treasure box with a lock, and inside the treasure box is your personal information. IdentityForce uses something called AES-256 to protect customer data, which, if it were a box and lock, would be top of the market. This ensures that your personal information like your credit card numbers, bank account info, name, address, and more are safe within their (digital) hands.
Did You Know: The U.S government and military use AES-256 encryption to secure their sensitive data, so you know it’s trustworthy.
3. ID Watchdog - Best Identity Theft Protection for Seniors with Dark Web Scan
Enjoy full-service identity theft protection backed by credit-reporting agency Equifax.
Speaking of Equifax, let’s talk about ID Watchdog, owned by the credit-reporting agency itself. But while their ID Watchdog Plus plan only covers Equifax, their ID Watchdog Premium plan covers all three bureaus with daily updates from Equifax specifically, so you can stay on top of your credit on a day-to-day basis.
What We Liked
- 24/7 support
- Low prices
- Coverage for bank accounts, sex offender registries, etc.
- Plans for whole family
What We Didn’t Like
- Past data breach
- Based in U.S, Five Eyes member
- Poor iOS app
While we don’t want to contribute to the stereotype that people of a certain age aren’t the most adept at technology, we’ve all tried to explain to our grandmothers over the phone how to check Facebook, and we’ll never get those hours back. So when it came to the best identity monitoring services for seniors, we prioritized those with simple setups, and ID Watchdog made the list. To sign up, all we had to do was select a subscription, enter in our personal and payment information, create usernames and passwords, verify our identities with a few quick questions, and voíla; our identities were monitored in several criminal and financial areas. Overall, the process was relatively painless, saving kids and grandkids ample time explaining things over the phone.
$1 Million Reimbursement Maximum
If any identity theft protection company says that they can guarantee that your identity won’t be stolen, run in the other direction (LifeLock got in trouble for this in 2010 and ended up having to pay the FTC a cool $12 million,5 so it’s more than frowned upon; it’s illegal). That’s why most companies offer identity theft insurance in cases its monitoring doesn’t work out. Fortunately, with either of ID Watchdog’s plans, customers will get identity theft insurance for up to $1 million, the standard across the industry. On top of that, customers will also get 401(k) or HSA stolen funds reimbursement for up to $500,000, which isn’t as typical. Considering the fact that many seniors rely on these funds for their day-to-day expenses, ID Watchdog comes out as one of our top recommendations.
Since many elderly people are more likely to be home than most, they may receive a lot of spam calls throughout the day, which could be phone scams resulting in identity theft. But ID Watchdog doesn’t only monitor online areas like the dark web. They also offer solicitation reduction, which translates to adding seniors to the National Do Not Call Registry and even reducing the amount of junk mail they receive. Many scammers will use senior’s email inboxes, physical mail boxes and phone numbers to send over phishing messages, as we’ve seen in our study on COVID-related cyber scams, so we loved the fact that ID Watchdog’s coverage extends way beyond the Internet.
FYI: Joining the National Do Not Call Registry is free, but it doesn’t cover everything; you still may receive calls from political groups, charities, surveys, and the like, as it’s mean to block telemarketing calls specifically.
4. Zander Insurance - Most Affordable Identity Theft Protection for Seniors
Low-cost identity theft insurance plans backed by financial guru Dave Ramsey.
If you’re a senior that already has credit, bank account, investment account, and payment card monitoring, then adding on identity monitoring from Zander Insurance will be the most cost-effective option. Their services start at just $6 per month, one of the lowest prices we’ve seen, with coverage for many types of fraud including tax, medical, financial, Social Security, and more.
What We Liked
- Solid identity monitoring
- Low prices
- No cancellation fees
- Decent phone support
What We Didn’t Like
- No credit monitoring
- No monitoring of bank or investment accounts
- No monitoring of debit or credit cards
- No discounts for the elderly
Individual and Family Plans
While many seniors live alone, some live with their families, and many others are still super close with their kids and grandkids. Zander Insurance is a great option for a senior as well as one other adult and up to 10 children in addition to an individual senior. Not all of the services on this list qualify as the best identity theft protection for families, but we dubbed Zander as most affordable. See for yourself below.
Individual Family Number of People Covered 1 2 adults, up to 10 children Recover Specialist ✓ ✓ Coverage Against All Types of Identity Theft ✓ ✓ 24/7 Customer Support ✓ ✓ Reimbursement for up to $1 Million for Stolen Funds and Expensive ✓ ✓ Monitoring and Alerts ✓ ✓ Monthly Cost $6.75 $12.90 Yearly Cost $75 $145 Yearly Savings $6 $9.80
The fastest way to find out if your information has been stolen is to turn on Zander Insurance’s mobile notifications on their iOS or Android apps, both of which were really easy for us to use. And we’re not the only ones who think so; currently, their iOS app has a three-star rating, while their Android app is at four stars. Once we downloaded the iOS app onto our iPhones, we got notified when someone tried to create a home title in one of our names, and because we got the notification so quickly, we were on it as soon as we could be.
Great Phone Support
These days, there are a number of ways you can contact someone: you can text them, Slack them, Zoom them, call them, Facetime them, and a whole lot more. But many people, seniors included, prefer the old-fashioned telephone, which we found was the best way to get in contact with someone at Zander Insurance. We had a few questions about their services, and when we called them, we got a helpful response immediately, much better than their support over email. Sometimes human contact really pays off!
5. IDShield - Best Identity Theft Protection for Seniors with Free Trial
IDShield offers best-in-class family plans with an impressive $5 million in ID theft coverage.
For seniors, buying anything online may feel a bit strange and dangerous, which is why they’ll appreciate IDShield’s 30-day, money-back guarantee. Sure, they’ll still need to feed their payment information onto IDShield’s website, but they won’t be charged until a month after, which means that they’ll have 30 full days to try out their services for free. If they cancel within that time period, they’ll receive a full refund, taking the risk out of e-commerce.
What We Liked
- 30-day trial
- Extensive coverage
- Plans for individuals and families
- Multi-factor authentication
What We Didn’t Like
- Confusing setup process
- Five Eyes membership
- Collect customers’ IP addresses
- Have to activate monitoring on desktop and mobile app separately
Dark Web Monitoring
Even experienced Internet-users may not be aware of the risks of the dark web. Basically, the dark web is an area of the Internet where all of the users are anonymous, so naturally, it’s a hotbed for cybercrime, stolen passwords and identity theft galore. But with IDShield, they don’t have to worry about the scary dark web, as the service will monitor it for their credentials 24/7. If their credentials were found, they would’ve gotten alerted as soon as possible.
Private Investigators Included
Like we said earlier, no service can 100 percent prevent identity theft, but IDShield really goes above and beyond when it comes to identity restoration. If you or a senior you know’s identity has been stolen, the company will give access to licensed private investigators who are based in the U.S and available 24/7, 365 days a year. Seniors will love this personal touch, and the experience necessary for them to regain control of their identities.
Public Record Monitoring
Finally, IDShield scans the 78 billion U.S public records for 24 pieces of seniors’ personal information to make sure their credentials aren’t found where they shouldn’t be, like in court records or address changes.
If you want to dive even deeper into the best identity theft protection, you can read our identity theft guide, but otherwise, read on to find out how we chose the best options for seniors in particular.
Not many identity theft protection services offer discounts for seniors, but we prioritize the ones that do, like LifeLock. Extra points if seniors can get the discount without paying for a membership like with AARP.
We want the service to have iOS and Android apps that are really easy to use, as many seniors may not be as familiar with smartphone apps. We also want the sign up process to be simple, which is why we write about it in detail in our identity theft protection reviews.
If there’s a problem, we want to know that the senior can easily get in contact with a real life human via phone, email, or live chat, ideally 24/7. For this list, we prioritized companies with fast support over the phone, which is the preference of many seniors.
There are many different areas in which identity theft can spring from, so we looked for services that had comprehensive coverage for different criminal, financial and credit areas, with monitoring of all three major credit-reporting bureaus in the U.S. The best services also have some forms of device protection, like VPNs or safe browsers, as well as lost wallet protection and even junk mail and solicitation reduction.
In general, identity theft protection can be a little on the pricey side, which about $20 per month as an industry average. Of course, there were cheaper subscriptions that only came with monitoring from one credit bureau, as well as more expensive options, but in our individual pricing pages, we go deep into all of the prices and discounts available, if any.
Privacy and Security
Since identity theft protection services require a lot of our personal information so that they can monitor it, it’s important that this information is stored securely and isn’t shared with third parties. We look for services that use AES-256 encryption, the highest standard available, plus, we look at each company’s privacy policies to see exactly what information they keep and how it’s shared with third parties. Some companies only keep the bare minimum, which we strongly prefer to companies that log unnecessary information like our IP addresses and geolocations. We also prefer companies that don’t share our information with third parties, especially for advertising or marketing purposes.
Another issue is where the company is based, as that determines whether they’re subject to the Five Eyes, Nine Eyes and 14 Eyes international surveillance alliances. Under these alliances, the company could be forced to give the federal government customer information. So far, all of the services we’ve tested out are based in the U.S, a Five Eyes founding member, but that’s okay as long as their encryption methods and privacy policies are sound.
Identity Theft Insurance
We test out all of our identity theft protection services personally to make sure that they’re easy to use, affordable, and comprehensive enough to truly protect our identities. While we can’t really test out the identity theft insurance, as we haven’t had our identities stolen while using the services, we make sure that the policies have reimbursement maximums of $1 million, which is the case for most companies.
Once the testing of the service itself is done, we do some research on the background and history of the company itself to make sure that there’s no history of false advertising, deceptive sales tactics, and the like. While these events are deal breakers, necessarily, we prefer companies with clean backgrounds who have reputations of being fair with their customers. However, for this section we rely on reports from the FTC and reputable news organizations like the New York Times in lieu of checking reviews from the Better Business Bureau, as this service is known to be biased against non-paying businesses.
Does the AARP have identity theft protection?
AARP offers identity theft protection through Norton LifeLock, basically a discounted version of LifeLock’s regular service that starts at $7.99 a month.
What is the best identity theft protection plan?
The best identity theft protection plan is Identity Guard, and some runner-ups include LifeLock, IdentityForce and ID Watchdog.
How can the elderly protect themselves from identity theft?
The elderly can protect themselves from identity theft by investing in an identity theft protection service. They can also protect themselves by learning how to recognize phishing emails, practicing good password hygiene and shredding any physical documents that contain sensitive information.
Is it worth getting identity theft protection?
It is worth it to get identity theft protection because identity theft can result in financial losses. It can also prevent people from getting mortgage loans or signing up for credit cards, so it’s important to keep your personal information safe.
AARP. (2020). Benefit Discounts.
AARP. (2020). Membership FAQs.
Capital One. (2019). Older Americans in the Workforce.
California Secretary of State. (2020). What is Business Identity Theft?
FTC. (2010). LifeLock Will Pay $12 Million to Settle Charges by the FTC and 35 States That Identity Theft Prevention and Data Security Claims Were False.