LifeLock Review

This feature-stacked contender offers device protection with Norton 360 antivirus

By
&
Aliza Vigderman
Gabe TurnerChief Editor
Last Updated on Jun 28, 2021
By Aliza Vigderman & Gabe Turner on Jun 28, 2021
9.2
/10
Editor's Rating
LifeLock is jam-packed with credit and identity monitoring services, from dark web monitoring to lost wallet protection. Plus, their prices are among the lowest on the market, starting at just $8.99 a month for the first year if you pay annually.
Page Contents

At first glance, LifeLock has an incredibly robust service for protecting identity. But when we dug around more, we found some information that made us a bit uneasy about giving the company our business. Would we still recommend LifeLock overall? Keep reading to find out!

Life Lock Services

Editor's Rating
Overall Rating
9.2
  • Full-service identity theft and credit monitoring
  • Device protection with Norton 360 antivirus
  • Reputation for outstanding customer service

Video Review

Norton is a leader in digital security, but is Lifelock one of its better products? Security.org’s Chief Editor Gabe Turner investigates on our Youtube channel.

Would you prefer a quick overview? Here are the main things we liked and didn’t like about LifeLock.

Pros
  • Identity, Credit, and Investment Monitoring: LifeLock provides extensive monitoring for identity, credit, and financial accounts, including monitoring the dark web, all three credit bureaus, and even investments, such as our 401(k).
  • Valuable Insurance: LifeLock’s top-tier protection plan promised to reimburse us for up to $1 million of stolen funds and personal expenses resulting from identity theft.
  • Norton Security + VPN: The Norton360 and LifeLock pairing offered us advanced security for up to an unlimited number of devices. This allowed us options such as browsing anonymously and securely with the Norton Secure VPN or adding bank-grade encryption, which kept information like our passwords and bank details secure.
Cons
  • Expensive: Once LifeLock’s one-year promotional period expires, prices go up significantly. For example, LifeLock’s most elite individual plan has a one-year promotional price of $24.99 per month but renews at $34.99 per month. The top-level plan for families with kids is $49.99 per month for the first year. It renews for $81.99 per month, a monthly increase of over $20.
  • Lower Cost, Less Insurance: Only LifeLock’s most expensive plans cover up to $1 million in losses and personal expenses related to identity theft. The least costly plans only reimburse up to $25,000 in stolen funds. In addition, all subscribers are covered for up to $1 million in fees for lawyers and experts.

LifeLock Features

LifeLock Website Screenshot
LifeLock Website Screenshot

Monitoring and Alerts

With LifeLock’s highest subscription option, the company meticulously monitored our identities, our credit with all three bureaus, and our financial accounts, including banking and investments.

Identity Monitoring

LifeLock watched out for identities by monitoring all of the following for the use of our names or Social Security numbers:

  • USPS address changes
  • Crimes registries
  • Court records
  • Sex offender registries
  • Dark web content
  • Data breach notifications

If any changes occurred, they notified us.

LifeLock Alerts Dashboard
LifeLock Alerts Dashboard. Screenshot from the LifeLock website.

If we became suspicious of possible identity theft, LifeLock’s Identity Lock allowed us to lock our TransUnion credit file with a single click. As a proactive measure, LifeLock’s Privacy Monitor Tool helped us reduce public exposure to our personal information.

Credit Monitoring

With our Ultimate Plus subscription, LifeLock provided us with credit monitoring and annual reports from all three bureaus. Additionally, we received monthly credit score updates from one credit bureau.

Financial Monitoring

Most importantly, if someone stole our identities, LifeLock would have reimbursed us for up to $1 million in losses, which is standard across the identity monitoring industry. Of course, while some other identity monitoring applications, such as ID Watchdog, covered all subscribers for up to $1 million in stolen funds, LifeLock’s lowest-tier plans only reimburse subscribers for up to $25,000.

LifeLock ID Restoration Dashboard
LifeLock ID Restoration Dashboard. Screenshot from the LifeLock website.

LifeLock gave us confidence that our money was safe with monitoring for all our banking accounts: credit, checking, and savings. It also kept an eye out for bank account takeovers, application alerts, and 401(K) or investment activity alerts. Even when we lost our wallet, LifeLock was there to help us cancel and replace our cards.

User Experience

Getting Started with LifeLock
Getting Started with LifeLock. Screenshot from the LifeLock website.

To set up LifeLock, we created a password and entered our basic information. Then, we entered our billing information and paid for the year. Once we made the purchase, the LifeLock dashboard appeared on our screen.

Online Dashboard

LifeLock Dashboard
LifeLock dashboard. Screenshot from website.

Once at the dashboard, we were asked if we wanted to add more personal information like our:

  • Insurance information
  • Bank account numbers
  • Driver’s license number
  • Credit card numbers.

LifeLock Privacy Monitoring Tool

LifeLock Privacy Monitoring
LifeLock Privacy Monitoring. Screenshot from the LifeLock website.

Next, we reviewed the Privacy MonitorIng section. Then, with a click of a button, LifeLock showed us eight places where our personal, identifiable information was listed and gave us a chance to opt-out.

Opt Out of Info on Public Sites
Opt-Out of Info on Public Sites. Screenshot from the LifeLock website.

Once we clicked the blue button, we were sent to a third-party website’s opt-out page. So really, it was something we could have done for free, but LifeLock certainly made the process easier. All in all, we found LifeLock easy to use on our computer.

Opting Out on Public Records Now
Opting Out on Public Records Now. Screenshot from website.

The LifeLock App

Things got a little confusing when it came to LifeLock’s apps. LifeLock Norton360 users are supposed to use the LifeLock for Norton360 app. People like us, who selected LifeLock on its own, use an app called LifeLock ID Theft Protection. We weren’t able to log onto either app initially.

It turned out, we later learned, that we had to click on “Norton Sign In” below, where we entered our username and password for LifeLock. This was all super confusing, but once we got into the app, it was easy to navigate.

The app was where we received notifications, accessed our credit scores and reports on the go, tracked our financial activities, and more.

LifeLock Subscription Options

LifeLock gave us many annual subscription options. We could either buy LifeLock on its own or pair it with Norton 360, which mainly offered additional device security benefits like VPNs and secure cloud storage.

Depending on our plan, we could have paid anywhere from $8.99 to $34.99 a month. We were disappointed, however, that all of the fees went up after the first year. With any plan, you’ll get up to $1 million in coverage for lawyers and experts if your identity is stolen. However, only the most expensive plans cover up to $1 million for the reimbursement of lost funds.

No matter which plan we chose, we were alerted of any changes to our credit, dark web mentions, or if our data was involved in a breach.

Device Security Benefits

To try out this service, sign up for LifeLock’s 30-day trial on the Advantage or Ultimate Plus plan. Every membership also came with a 60-day money-back guarantee.

Identity Theft Protection Benefits

LifeLock Standard Norton 360 w/ LifeLock Select Norton 360 w/ LifeLock Advantage Norton 360 w/ LifeLock Ultimate Plus
Reimbursement and Restoration Benefits
Maximum Stolen Funds Reimbursement $25,000 $25,000 $100,000 $1,000,000
Maximum Personal Expense Compensation $25,000 $25,000 $100,000 $1,000,000
Maximum Coverage for Lawyers & Experts $1,000,000 $1,000,000 $1,000,000 $1,000,000
U.S. Based Restoration Team Specialists Specialists Specialists
Pricing
Monthly Price (First Year) $8.99 $8.99 $17.99 $25.99
Yearly Price (First Year) $107.88 $107.88 $215.88 $311.88
Monthly Price (After First Year) $11.99 $14.99 $24.99 $34.99
Yearly Price (After First Year) $143.88 $179.88 $299.88 $419.88
LifeLock Standard Norton 360 w/ LifeLock Select Norton 360 w/ LifeLock Advantage Norton 360 w/ LifeLock Ultimate Plus
Identity Theft Protection Benefits
SSN and Credit Alerts Yes Yes Yes Yes
Number of Annual Credit Scores & Reports 1 1 1 3
Lost Wallet Protection Yes Yes Yes Yes
USPS Address Change Yes Yes Yes Yes
Dark Web Monitoring Yes Yes Yes Yes
LifeLock Privacy Monitor Yes Yes Yes Yes
Data Breach Notifications Yes Yes Yes Yes
24/7 Live Member Support No Yes Yes Yes Priority
ID Verification Monitoring No Yes Yes Yes
Alerts on Crimes Committed in your Name No No Yes Yes
Fictitious Identity Monitoring No No Yes Yes
Sex Offender Registry Reports No No No Yes
File-Sharing Network Searches No No No Yes
Bank Account Takeover Alerts No No No Yes
401K & Investment Account Activity Alerts No No No Yes
Checking & Savings Account Application Alerts No No No Yes
Home Title Monitoring No No No Yes
Pricing
Monthly Price (First Year) $8.99 $8.99 $17.99 $25.99
Yearly Price (First Year) $107.88 $107.88 $215.88 $311.88
Monthly Price (After First Year) $11.99 $14.99 $24.99 $34.99
Yearly Price (After First Year) $143.88 $179.88 $299.88 $419.88

If we chose to buy Norton360 along with LifeLock, we got a variety of device security benefits like secure cloud storage.

Lifelock only features Lifelock Norton360 features
Lifelock ID Theft Protection app Lifelock for Norton 360 app
SSN and credit alerts SSN and credit alerts
Dark web monitoring Dark web monitoring
Lost wallet protection Lost wallet protection
1 credit score 1-3 credit scores
Dark web monitoring Dark web monitoring
Privacy monitoring Privacy monitoring
Address monitoring Address monitoring
Data breach notifications Data breach notifications
No ID verification monitoring ID verification monitoring
No sex offender registry monitoring Sex offender registry monitoring
No checking and savings account takeover alerts Checking and savings account takeover alerts
Help ticket and phone customer support 24/ 7 live customer support
U.S.-based identity theft restoration team U.S.-based restoration specialists
Up to $25,000 stolen funds reimbursement Up to $25,000 stolen funds reimbursement
$8.99 per month or $107.88 for a full year the first year $8.99 per month or 107.88 for a full year the first year
$11.99 per month or $143.88 for a full year the second year $14.99 per month or $179.88 for a fully year the second year

LifeLock Customer Support

LifeLock Privacy Monitor
LifeLock Privacy Monitor. Screenshot from website.

LifeLock was the only identity monitoring company we’d seen that offered 24/7 support over the phone and live chat.

LifeLock Privacy

LifeLock offered the whole enchilada when it came to identity monitoring. However, our third-party website research about the company brought worrisome results.

LifeLock Privacy Policy
LifeLock Privacy Policy. Screenshot from the LifeLock website.

In 2010, LifeLock ran into some issues with the Federal Trade Commission (FTC) regarding their lack of customer data protection and had to pay $11 million. To make matters worse, in 2015, LifeLock had to pay $100 million to its customers for violating their 2010 order to stop false advertising and establish a “comprehensive security program” to protect customer data.

Obviously, LifeLock isn’t the most trustworthy company in the world. Naturally, we wanted to find out what personal data LifeLock stored, so we looked at their privacy policy.

LifeLock stores:

  • Membership and subscription information like our names, email addresses, etc
  • Data from cookies, including administrative, provisioning, security, usage, and preference data
  • Third-party data, mainly for threat intelligence
  • Diagnostic information about their website and app

Believe it or not, this was one of the stricter policies we’d seen from an identity monitoring service. Since LifeLock is U.S-based, the U.S government, which is part of several international surveillance alliances, could legally force them to hand over customer data, so we liked that the company doesn’t keep much around.

Plus, LifeLock offers two and multi-factor authentication for its accounts, meaning we had to either enter a passcode or biometric data like our fingerprints to sign in. While the company ostensibly protected customer data and kept a minimal amount, we still had privacy concerns due its previous brushes with the law.

Recap

Given LifeLock’s past issues with false advertising and customer data, they aren’t our first choice for identity monitoring software. On the other hand, we value its robust feature set and thought LifeLock could be good for anyone who has confidence that the company has changed since its last FTC settlement in 2015.

I’d go with LifeLock if you’d like…
  • Identity monitoring and device security: LifeLock offers more features than any other similar service we’ve reviewed.
  • Affordable first-year options: Users can pay as little as $8.99 per month the first year.
  • User-friendly dashboard: LifeLock’s online dashboard is easy to navigate.
But avoid it for the following reasons…
  • Past legal issues: From false advertising to insecure storage of customer data, LifeLock’s legal problems are troubling.
  • Confusing app: With two apps, it can be confusing to know which one to use and how to sign in.
  • Price increase: After the first year, all of LifeLock’s plans increase in price.

All in all, LifeLock is an affordable and user-friendly option for protecting your identity, credit, and finances. To learn about other options, check out our review of the best identity theft protection services.

LifeLock FAQs