LifeLock vs IdentityForce
LifeLock and IdentityForce compete to protect adults, children, and businesses from identity theft and fraud. For a flat monthly fee they provide:
- Preventive services
- ID fraud alerts
- Stolen funds replacement
- Fully managed identity restoration
Membership with either company could save you countless work hours on identity restoration. It could also help you recover a million dollars or more! Prices range from $9.99 to $34.95 per adult account each month. With IdentityForce only, people sharing a home can share an account.
Which company could serve you best? The following points might help you decide. Reading them, remember that the most effective ID theft protection plans will alert you to credit report changes from all three major credit bureaus: Equifax, Experian and TransUnion.
- IdentityForce has the best ID protection deals for couples and for subscribers protecting children from SSN theft and other identity crimes. You could pay about half as much compared with choosing LifeLock. Details are below under “LifeLock vs IdentityForce Family Plans.”
- For middle-income shoppers we generally recommend IdentityForce over LifeLock. IdentityForce gives the best value on ID theft protection with three-bureau credit reporting. Their premier plan, called UltraSecure+Credit, costs $19.99/month per adult and about $2.25/month per child if you choose 12 months to start. A 30-day risk-free trial is included with yearly subscriptions. You can also choose month-to-month service with slightly higher fees.
- For high-income customers LifeLock may be best. That’s because compared with the best IdentityForce plan, the best LifeLock plan with three-bureau reporting gives even more insurance to cover stolen funds and pay lawyers’ bills. Called Ultimate Plus, it costs $29.99/month per adult and $5.99 per child. A year-long commitment is required but you get 60 days to back out.
- LifeLock is also better price-wise if you’re seeking very cheap ID protection. The Select plan is just $9.99/month during the first year of service. However, a big drawback of this cheap LifeLock plan is skimpy credit monitoring! You could miss out on big clues that ID theft is underway.
Again, IdentityForce has the best deal overall on ID theft protection with three-bureau credit monitoring.
Read on for a detailed LifeLock vs IdentityForce comparison with prices for individuals and families. Main sections of this guide are:
● Company Profiles
● Overall Price Comparison – LifeLock vs IdentityForce
● Credit Monitoring Comparison – LifeLock vs IdentityForce
● Other Features – Best LifeLock vs IdentityForce Plans
● Compare LifeLock vs IdentityForce Family Plans
Both LifeLock and IdentityForce are American corporations founded in 2005. From opposite coasts they serve all 50 states. LifeLock is based in Tempe, Arizona and IdentityForce is in Framingham, Massachusetts.
IdentityForce was formed by the brother-sister duo Steven Bearak and Judy Leary. They launched the company as experts in the asset protection industry. Since 1978 their family had operated a thriving business, Stop-Loss Associates, that used credit and non-credit information to help protect government agencies and corporate clients from fraud. IdentityForce is a more personal version of Stop-Loss with its individual and family accounts.
LifeLock was started by the former business majors Todd Davis and Robert Maynard, Jr. Davis had been a star student at Baylor University, and Maynard graduated from college with honors in just five semesters. The two attracted start-up capital from Goldman Sachs and other major investors. Since 2017 LifeLock has been a subsidiary of Norton Symantec. The business arrangement has benefited LifeLock customers by adding Norton LifeLock anti-virus and anti-phishing software to accounts at all price points.
Finally, IdentityForce has been accredited with the Better Business Bureau since 2007. The company has an A+ rating. LifeLock is not BBB accredited and has an A- rating from the Bureau.
Overall Price Comparison – LifeLock vs IdentityForce
Compared with IdentityForce, LifeLock has both cheaper and pricier plans. In our review an IdentityForce deal is best. Consider these rates and policies:
- LifeLock prices per adult range from $9.99 to $29.99 per month with an annual plan.
- Discounts for partners and families are not offered.
- Month-to-month plans aren’t offered.
- After 12 months LifeLock prices increase: The cheapest plans are bumped to $11.99/month; the mid-tier Advantage plan moves from $19.99 to $24.99; and Ultimate Plus jumps from $29.99 to $34.99.
- IdentityForce prices per solo adult are $14.99 and $19.99 per month with annual plans.
- Month-to-month plans for one cost $17.95, or $23.95 with three-bureau credit reporting.
- Couples and other families get discounts.
- Rates aren’t set to increase after a year of service. That’s an important difference when you compare LifeLock vs IdentityForce.
LifeLock has the cheapest plan overall… but is their $9.99 deal worthwhile? Generally no, as you’ll miss out on three-bureau credit alerts, credit reports, and credit scores. Also consider that the $9.99 LifeLock plan has a low insurance payout of just $25,000 for stolen funds. For comparison the cheapest IdentityForce plan has a $500,000 policy for stolen funds and to cover other expenses, and it costs just $4.99/month more.
Credit Monitoring Comparison – LifeLock vs IdentityForce
Monitoring your credit reports can help you identify fraud in its early stages. Obviously this gives you a better shot at avoiding more serious consequences of identity fraud. For instance, with credit monitoring you could be notified within a few minutes if somebody applied for a car loan in your name. This would give you time to contact the dealership before a fraudster drove away with your name tied to a big new investment.
ID protection companies can alert you in virtually real-time by smartphone, email, or a landline call. If you didn’t have credit monitoring, on the other hand, you might not be alerted to the problem until “your” first car payment was 60 days overdue.
The best ID protection plans from LifeLock and IdentityForce include alerts if your credit profile changes with Equifax, Experian or TransUnion. You can get notice right away of credit inquiries, new accounts, late payments and more. Furthermore the plans supply you with credit reports and scores.
IdentityForce has the better price on ID theft protection with three-bureau credit reporting: $19.99/month with annual plans vs LifeLock’s $29.99/month rate, which eventually increases to $34.95. They also have superior credit-related features.
IdentityForce Ultra Secure+Credit
The top IdentityForce plan is called UltraSecure+Credit. Credit-related features help set it apart from the cheaper IdentityForce option called UltraSecure. You’ll get these extra benefits:
- Three-bureau monitoring for credit change alerts
- Quarterly three-bureau FICO credit scores & reports
- Monthly FICO credit score tracker
- FICO credit score simulator
Prices for UltraSecure+Credit
- IdentityForce UltraSecure+Credit for one adult costs $23.95/month without a contract, or $19.99/month with 12 months of service.
- It costs $36/month for two adults with a 12-month agreement. Adults can’t see each other’s private account info.
- Children can be added for $2.75 month-to-month or even less at $27.50/year.
LifeLock Ultimate Plus
LifeLock has three main plans for ID theft protection. Starting rates for adults are $9.99, $19.99 and $29.99 per month. Children can be added to any adult plan and receive similar benefits for $5.99/month.
Only the $29.99 plan, LifeLock Ultimate Plus, has three-bureau credit monitoring. You could get single-bureau monitoring (Equifax) with the $19.99 plan… but excluding TransUnion and Experian would be like locking your home’s front door and leaving other entrances wide open.
LifeLock Ultimate Plus provides annual three-bureau reports with Vantage 3.0 scores. Combining these with the free annual credit reports to which all consumers are entitled, you can keep a better eye on your credit profile.
Still IdentityForce has the better deal. IdentityForce UltraSecure+Credit lets you pay less and see your quarterly FICO scores within their app. The plan also includes a monthly credit score tracker and a credit change simulator to help you make the best financial decisions.
Compared with LifeLock, IdentityForce can provide more valuable credit reporting.
- Top-tier IdentityForce membership includes quarterly credit reports and scores from all three bureaus. LifeLock limits credit scores to annual reports.
- IdentityForce has the advantage of dealing in FICO scores while LifeLock gives Vantage scores. FICO scores are more popular with lenders.
- Only with IdentityForce can you get a monthly credit score tracker.
Additionally with IdentityForce you’ll get a credit score simulator. That’s not included with LifeLock Ultimate Plus nor any other LifeLock plan.
Other Features – Best LifeLock vs IdentityForce Plans
As explained above, IdentityForce UltraSecure+Credit is superior in terms of credit reporting. A possible advantage with LifeLock Ultimate Plus though is $1,000,000 legal expense insurance policy. That’s in addition to $1,000,000 insurance for stolen funds. With IdentityForce, lawyers’ bills and stolen funds replacement would be deducted from a single $1M policy. You wouldn’t need to pay a deductible with either company.
Here are some features that both top-tier plans share:
- Two-factor authentication
- Mobile and desktop account access
- Dark web monitoring
- SSN fraud alerts
- Banking and investment account alerts
- Alerts about crimes committed in your name
- Alerts about sex offenders in your neighborhood
- Lost wallet protection
Only IdentityForce will also monitor payday lenders, vehicle registration databases, medical insurance records, and social media sites for identity fraud.
LifeLock might have special appeal with its Norton computer protection. However, IdentityForce provides similar benefits with its dark web monitoring, anti-keylogging software, and other features for safer web use with Android and iOS equipment.
Compare LifeLock vs IdentityForce Family Plans
IdentityForce wins in price comparisons for couples and for singles or partners with children. Only IdentityForce offers discounts to couples and other families. Also, IdentityForce has lower prices per child.
With IdentityForce a couple and children can share an UltraSecure+Credit account for $36/month. With LifeLock two adults would pay a total of about $60/month for top-tier service, plus a $5.99 fee would be added for each child. Besides that, LifeLock prices for adults increase after 12 months; a bill for two would increase from $59.98/month to $69.98.
Going a la carte with IdentityForce, a single adult could get top-tier service for just $19.99/month and add children for about $2.25 each, or $2.75 each month-to-month.
In a LifeLock vs IdentityForce showdown, generally IdentityForce has the advantage. It’s true that LifeLock has an eye-catching $9.99 rate… but considering its non-relationship with the credit bureaus, the attached plan leaves you more vulnerable compared with a $19.99 IdentityForce deal. Furthermore the cheap LifeLock plan would have your back legally but could only replace $25K in stolen funds. The best IdentityForce plan could provide up to $1 million in stolen funds replacement and legal services.
You could get more insurance coverage from LifeLock by upgrading to their $29.99 plan… but all in all, IdentityForce would still be the better service in more situations. The UltraSecure+Credit plan monitors a variety of sources such as payday lenders and medical insurance billers that aren’t part of the LifeLock world. It’s also the better buy in comprehensive ID theft protection for partners and adults with children.
*LifeLock does not monitor all transactions at all businesses.
**Terms apply to all LifeLock plans.
***The credit scores provided are VantageScore 3.0 credit scores based on data from Equifax, Experian and TransUnion respectively. Any one bureau VantageScore mentioned is based on Equifax data only. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.
****Reimbursement and Expense Compensation, each with limits of up to $1 million for Ultimate Plus, up to $100,000 for Advantage and up to $25,000 for Select, when purchased in Norton 360 with LifeLock plans. And up to $1 million for coverage for lawyers and experts if needed, for all plans. Benefits under the Master Policy are issued and covered by United Specialty Insurance Company (State National Insurance Company, Inc. for NY State members). Policy terms, conditions and exclusions at: LifeLock.com/legal.