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LifeLock

LifeLock

We monitor more. We alert faster. We restore, guaranteed.

#2 dans Identity Theft Protection
2 min read · Updated 10/4/2025
LifeLock homepage screenshot

At a glance

Quick overview for LifeLock: rating, pricing summary, key features, and highlights.

Ciroapp review

4.7
Instant Alerts and Guaranteed Protection

We find LifeLock’s greatest strengths are its guaranteed restoration commitment and the exceptional speed of its alerts, which users consistently report catching issues in real time. Overall, this service provides premium, reliable identity protection, positioning it as an industry leader despite the sharp price increase after the first year.

Pros

  • Pro:Provides prompt and real-time alerts for suspicious activity.
  • Pro:Backed by a guaranteed identity restoration process.
  • Pro:Comprehensive monitoring including credit, dark web, and investment accounts.
  • Pro:Financial protection included through the Million Dollar Protection™ package.

Cons

  • Con:Significant price jump after the initial introductory year expires.
  • Con:The budget Standard plan only includes one-bureau credit monitoring.
  • Con:Some users report difficulty identifying creditors due to abbreviations in alerts.
Money-back guarantee
Yes
Range: $7.50–$69.99/monthMonthly subscription, Yearly subscription
This section is a summary. Detailed sections about features, use cases, pricing, and reviews follow below.
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LifeLock review, pricing, features, pros & cons

Your personal information is spread across countless locations, making identity theft a scary reality. Did you know a victim is created every five seconds? LifeLock tackles this fear directly.

We monitor data points aggressively, alert you quickly, and provide a guaranteed restoration process if anything happens. ✨

What is LifeLock?

LifeLock is a comprehensive identity theft protection service safeguarding your personal information, finances, and identity wherever it exists. They continuously monitor hundreds of millions of data points across the internet per second. This intense surveillance helps protect you from criminals trying to steal your money or commit crimes using your name.

If your identity is compromised, a dedicated U.S.-Based Personal Restoration Specialist will lead the fix, providing guaranteed support. It’s designed for individuals and families who rely on having robust, reliable coverage against modern threats. ✅

LifeLock Key Features

✨ The Core Defense: Aggressive Monitoring

Your personal information exists in countless locations across the internet. LifeLock tackles this widespread exposure by constantly searching for threats. We monitor hundreds of millions of data points every second, looking for any activity involving your sensitive details.

This continuous surveillance means we alert you faster if a risk is detected. We specialize in finding identity theft in hidden places that banks or many traditional credit card providers often ignore. Our goal is to catch threats immediately, well before they cause significant damage.

We provide specific alerts when unusual activity is found. This includes monitoring utility accounts (Telco & Utility Monitoring) and verifying any changes to your mailing address (USPS Address Change Verification). We also notify you quickly if your information is exposed through a large Data Breach Notification.

✨ Dark Web and Digital Exposure Alerts

Protecting your information requires looking where criminals operate. We aggressively monitor the dark web, alerting you if your private data is found exposed or being sold there. Even information priced as low as 10 cents can trigger a decisive alert.

Our system helps keep your personal identity private and out of criminal hands. We look for indicators that people are trying to steal your money or commit crimes using your name. Receiving these proactive Dark Web Monitoring alerts gives you a crucial early warning to act.

Advanced plans also include specialized Fictitious Identity Monitoring. This helps ensure criminals cannot create fake identities tied to your real information, adding a necessary layer of protection for your digital footprint.

✨ Guaranteed Restoration and Expert Support ✨

When identity theft occurs, the recovery process can feel overwhelming and stressful. LifeLock guarantees that we will fix the issue entirely, or we will refund your current subscription term. This guarantee provides critical financial backstop and peace of mind during a difficult time.

If you are a victim, you will work directly with your own U.S.-Based Personal Restoration Specialist. This dedicated expert leads the effort to recover your identity and repair any damages. They manage all the complex steps for you.

Support is available 24/7 through Live Member Support. Having expert help available around the clock maximizes the chances of a smooth and complete recovery.

✨ Comprehensive Financial Reimbursement

Every policy includes the comprehensive Million Dollar Protection™ Package. Regardless of your plan level, you receive up to $1 million in coverage dedicated to lawyers and experts. This ensures you can afford professional help to restore your identity.

LifeLock also provides crucial reimbursement features for funds and expenses. Standard plans offer up to $25,000 each for Stolen Funds Reimbursement and Personal Expense Reimbursement.

Higher-tier plans, like Ultimate Plus, dramatically expand this coverage. Ultimate Plus provides up to $1 million each for Stolen Funds Reimbursement and for Personal Expense Reimbursement. This high level of financial assurance ensures you can recover quickly from significant monetary loss.

✨ Advanced Asset Protection and Monitoring

LifeLock offers highly specific monitoring features designed to protect your most valuable assets and accounts. We monitor your credit activity closely to catch unauthorized applications or fraud quickly. Entry plans include one-bureau credit monitoring.

If you choose an Ultimate Plus plan, you gain access to comprehensive three-bureau credit monitoring. These plans also include annual credit reports and scores, helping you keep a precise eye on your financial standing. We also add essential services like Stolen Wallet Protection and Monitoring alerts for attempted crimes committed in your name.

We provide alerts for many vulnerable financial accounts and valuable assets:

  • 401K and investment account activity alerts.
  • Home Title Monitoring for property fraud.
  • Checking & Savings Account Application Alerts and Activity.

✨ Specialized Digital and Account Control

Ultimate Plus plans offer unique controls to lock down your personal information when necessary. The Identity Lock feature helps stop criminals from opening new credit accounts or attempting credit file inquiries in your name. This acts as a powerful barrier against immediate financial attacks.

We also guard against digital hijacking attempts. Phone Takeover Monitoring helps prevent criminals from stealing your phone number, which can be critical for accessing online services. Furthermore, Social Media Monitoring helps protect your online reputation and privacy by watching your profiles for suspicious activity.

LifeLock also monitors for fraud involving emerging payment methods, such as Buy Now Pay Later Accounts. We watch for Bank Account Takeover Alerts to ensure security across all your financial platforms.

Use Cases

🔎 Immediate Alert for Dark Web Exposure

Your personal data is often exposed during major corporate breaches. This information quickly gets sold on the dark web, sometimes for as little as 10 cents. LifeLock monitors hundreds of millions of data points every second.

If your private details appear for sale, we send a quick Dark Web Monitoring alert. You can then change your passwords and take action before thieves exploit your exposed information for fraud.

🛡️ Guaranteed Identity Restoration Support

A fraudster opens utilities and a new credit account using your identity. The cleanup process requires endless hours of phone calls and complex paperwork. Instead of tackling this alone, LifeLock provides a guaranteed solution.

A dedicated U.S.-Based Personal Restoration Specialist steps in and manages the process for you. They work diligently to repair the damage and restore your credit, saving you time and stress.

💰 Protecting High-Value Financial Assets

Many banking monitoring services only cover credit cards and checking accounts. But LifeLock Ultimate Plus watches over your investments too. You receive Alerts on 401K and Investment Account Activity.

If there is suspicious activity, like a large transfer request or unexpected login, you hear about it immediately. This feature helps protect your critical retirement savings from unauthorized transactions.

🆘 Responding to a Stolen Wallet Incident

Having your wallet stolen is chaotic and stressful. You immediately have to cancel all your cards and replace essential documents. With LifeLock, you activate Stolen Wallet Protection.

Specialists help you quickly cancel and replace necessary items like your driver’s license and credit cards. We help streamline recovery when the unthinkable happens.

🏠 Preventing Real Estate Fraud

Home title fraud involves criminals filing fake deeds to steal your property. Often, you won’t notice this until it's too late. The Ultimate Plus plan includes Home Title Monitoring.

This feature alerts you to any suspicious changes or filings related to your home’s ownership. You can act fast to stop fraudulent attempts before they compromise your most valuable asset.

💵 Financial Safety Net After Theft

If identity theft results in direct financial loss, LifeLock offers significant coverage. The Million Dollar Protection™ Package is included in all plans. Ultimate Plus members benefit from increased reimbursement limits.

You can receive up to $1 million for stolen funds reimbursement and another $1 million for personal expenses spent restoring your name.

📡 Detecting Identity Verification Fraud

Criminals often use stolen identities to apply for new services like utilities or telecom accounts. Our Telco and Utility Monitoring service actively watches these application venues. If someone tries to open an account using your name and information, you get a quick ID Verification Monitoring alert.

This proactive vigilance stops fraud before debts accrue in your name.

Pricing Overview for LifeLock

Pricing range
$7.50–$69.99/month
Pricing types
Monthly subscription, Yearly subscription
Money-back guarantee
Yes

LifeLock offers robust identity theft protection across three main plan tiers: Standard, Ultimate Plus Individual, and Ultimate Plus for 2 Adults. Introductory pricing is highly discounted, with annual payments starting at $89.99 for the first year.

Plans & Pricing

LifeLock Standard Individual

Monthly$7.50 (1st yr)
Yearly$89.99 (1st yr)
Renews at $124.99/yr or $11.99/mo.
  • Up to $1,050,000 coverage
  • Up to $1 million for Lawyers and Experts
  • Up to $25,000 in Stolen Funds Reimbursement
  • Credit Monitoring: One Bureau
  • Identity & Social Security Alerts
  • Dark Web Monitoring
Start membership

LifeLock Ultimate Plus Individual

Monthly$23.99 (1st yr)
Yearly$239.88 (1st yr)
Renews at $339.99/yr or $34.99/mo.
  • Up to $3,000,000 coverage
  • Up to $1 million in Stolen Funds Reimbursement
  • Credit Monitoring: Three Bureaus
  • Identity Lock
  • 401K & Investment Account Activity Alerts
  • Home Title Monitoring
  • Social Media Monitoring
Start membership

LifeLock Ultimate Plus 2 adults

Monthly$41.99 (1st yr)
Yearly$419.88 (1st yr)
Renews at $679.99/yr or $69.99/mo.
  • Up to $3,000,000 coverage per adult
  • Up to $1 million in Stolen Funds Reimbursement per adult
  • Credit Monitoring for each adult: Three Bureaus
  • Identity Lock for each adult
  • Phone Takeover Monitoring for each adult
  • Home Title Monitoring for each adult
Start membership

LifeLock costs between $89.99 and $679.99 per year with 3 core plans: Standard (Individual) at $89.99/year, Ultimate Plus (Individual) at $239.88/year, and Ultimate Plus (2 Adults) at $419.88/year.

Here is a look at the features and pricing details for LifeLock’s individual and multi-adult protection plans.

LifeLock Standard Individual

Price: $89.99 annually for the first year (renews at $124.99/yr) or $11.99 per month Websites Supported: Not explicitly stated Best For: Individuals focused on essential identity protection and basic credit monitoring Refund Policy: Not explicitly stated Other Features:

  • Up to $1 million for Lawyers and Experts
  • Up to $25,000 in Stolen Funds Reimbursement
  • Credit Monitoring: One bureau
  • Dark Web Monitoring
  • 24/7 Live Member Support

This plan is the most budget-friendly option for protecting your essential information. It covers key alerts and provides a baseline for financial security without all the advanced features.

LifeLock Ultimate Plus Individual

Price: $239.88 annually for the first year (renews at $339.99/yr) or $23.99 per month (renews at $34.99/mo) Websites Supported: Not explicitly stated Best For: Individuals requiring maximum monitoring and high insurance limits Refund Policy: Not explicitly stated Other Features:

  • Up to $3 million total coverage
  • Up to $1 million in Stolen Funds Reimbursement
  • Credit Monitoring: Three bureaus
  • Identity Lock
  • 401K & Investment Account Activity Alerts

If you want the strongest financial protection available for yourself, this plan is the clear choice. It includes expanded credit coverage and monitoring for bank, retirement, and investment accounts. You get peace of mind knowing your entire financial profile is being watched closely.

LifeLock Ultimate Plus 2 adults

Price: $419.88 annually for the first year (renews at $679.99/yr) or $41.99 per month (renews at $69.99/mo) Websites Supported: Not explicitly stated Best For: Two adults who need the highest level of coverage Refund Policy: Not explicitly stated Other Features:

  • Up to $3 million total coverage per adult
  • Up to $1 million in Stolen Funds Reimbursement per adult
  • Home Title Monitoring for each adult
  • Phone Takeover Monitoring for each adult
  • Sex Offender Registry Reports

This plan extends the premium Ultimate Plus coverage to two adults, offering a robust shield for a couple. It’s perfect for ensuring both partners benefit from the top-tier features like Home Title Monitoring and expanded reimbursement limits.

All subscriptions require automatically renewing payments, and prices usually increase after the introductory term. LifeLock guarantees they will fix identity theft if you are a victim, or they’ll refund your current subscription term.

User Reviews

Customers who use LifeLock widely report having a great experience, reflected in their 4.8/5.0 Trustpilot rating. The primary positive themes revolve around the service's speed and reliability in detecting potential fraud.

Users consistently praise the prompt, often real-time, alerts they receive regarding unusual activity, such as unauthorized credit inquiries or attempts to open new accounts. This crucial feature provides users—especially seniors and those concerned about increasing online threats—significant peace of mind.

When an issue does arise, customers appreciate the dedicated support. LifeLock often assists directly in resolving compromised identity issues, sometimes facilitating three-way phone calls with involved creditors.

While the value is generally considered high ("money well spent"), users should be aware that the heavily discounted introductory pricing mentioned in the plans will increase sharply upon renewal. Overall, the service is seen as a highly effective, reliable digital shield.

🟡

What users say elsewhere

Alex D.
· Trustpilot
5.0 / 5

I've been a member for years, and LifeLock makes me feel very secure. Every financial inquiry is documented immediately, and they ensure I know about it. It’s worth the peace of mind knowing they have my back.

Fran J.
· Trustpilot
5.0 / 5

Super reliable! They catch suspicious activity right away and confirm if transactions are mine. They even warn me about my information on the dark web and give clear steps on what to do every time.

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Why use LifeLock?

Protecting your identity requires constant vigilance, but LifeLock takes on that heavy lifting for you. You gain peace of mind knowing you have robust financial protection and expert help ready to go. Choosing LifeLock means benefiting from several key proactive and reactive services: 💡

  • Powerful Monitoring: LifeLock monitors significantly more data points, viewing hundreds of millions per second, helping detect risks where other services might miss them.
  • Guaranteed Restoration: If identity theft occurs, specialists work diligently to fix the issue. This restoration service is guaranteed, or you get your money back.
  • Dark Web Alerts: The service alerts you when your private information is found exposed on the dark web, even when it’s being sold for as little as 10 cents.
  • Financial Shield: They actively monitor for identity theft in places that banks, credit card providers, and credit bureaus may ignore.
  • Million Dollar Protection™: All plans include up to $1 million coverage for lawyers and experts. Premium plans offer up to $1 million each for stolen funds reimbursement and personal expense reimbursement.
  • Personalized Coverage: Plans vary widely, offering valuable features like three-bureau credit monitoring, 401K activity alerts, and specialized home title monitoring.

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Frequently Asked Questions

How can I cancel my LifeLock subscription if I need to stop service?

You can generally cancel your subscription through a dedicated link noted on the website. You can also contact LifeLock’s Member Services team directly for assistance. Remember that your plan is set to automatically renew unless you actively cancel it.

What happens to the Identity Lock feature if I switch plans or cancel my subscription?

The Identity Lock feature, available on Ultimate Plus plans, helps protect against certain account takeovers. If you downgrade your service tier or complete a full cancellation, the Identity Lock feature will automatically deactivate.

Are the insurance benefits provided per person or per plan on multi-adult plans?

Coverage limits are applied individually for multi-adult plans. For instance, on the Ultimate Plus 2 Adults plan, both adults receive separate maximums of up to $1 million each for stolen funds and personal expense reimbursement.

How long does it take for my new credit monitoring features to become active after I enroll?

Credit features rely on a successful setup, identity verification, and sufficient credit history. Due to these requirements, credit monitoring features may take several days to fully activate after you complete your enrollment.

What should I know about automatic renewals and the price changing after the introductory period?

Your subscription is automatically renewing, and the price will increase significantly when the reduced introductory term ends. LifeLock may charge your renewal fee up to 35 days before your current subscription term expires.

Does LifeLock guarantee a full refund if I decide I don't want the service later?

LifeLock guarantees identity restoration. If you become a victim of identity theft and are not satisfied with LifeLock's resolution efforts, you may receive a refund for the current term of your subscription. This is a restoration satisfaction guarantee, not a general money-back guarantee.

Are LifeLock’s identity restoration specialists based here, and when can I reach them?

Yes, if your identity is stolen, you work with a U.S.-Based Personal Restoration Specialist dedicated to fixing the issue. Support is also available through 24/7 Live Member Support.

Does LifeLock monitor every single financial transaction I ever make?

LifeLock monitors hundreds of millions of data points, but it does not monitor all transactions at all businesses. Its monitoring focuses on detecting fraud and potential identity theft that banks or credit bureaus might overlook.

Who is LifeLock best suited for when choosing a plan?

LifeLock is ideal for individuals and families seeking maximum financial protection against identity theft. It's especially good for those who need high reimbursement limits and advanced monitoring of 401K, investment accounts, and home titles.

Does LifeLock provide identity theft protection services outside of the U.S.?

The official site emphasizes the use of U.S.-Based Personal Restoration Specialists. International service coverage or availability is not explicitly stated in the provided materials.

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