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SUMMARY LifeLock vs Identity Force
IdentityForce will be your eventual choice if budget is not an issue and you feel you require a higher level of protection that includes medical and legal records and loan screening then IdentityForce will serve you well.
- Ultra Secure- $17.95/mo
- UltraSecure+Credit- $23.95/mo
From airports to restaurants and hotels to hospitals; the nature of the contemporary way of life is such that we must surrender our personal information at various touch points. We can’t deny the fact that tech has indeed transformed how business and life, in general, is conducted.
This, however, has also given birth to various avenues of identity theft. It would be an understatement to suggest that we need to protect ourselves. In fact, the current prevalence of identity theft demands that we “go the extra mile” to ensure safety.
The core purpose of this article is to educate and inform about identity theft and to help you decide which identity protection service may serve you well. We’ll also compare two very well-known identity protection services IdentityForce and Lifelock.
A Detailed Comparison: IdentityForce vs. LifeLock
Both IdentityForce and LifeLock are well-known names in the identity protection space. Both have a decent framework in place for financial and sensitive information monitoring. You will be notified of any fraudulent activity and will be assisted in case a breach has occurred.
Here’s a quick snapshot of both services for your review:
WHAT YOU GET
Starts at $17.95/month
Starts at $11.99/month
Identity theft insurance
3 bureau credit reports
Discount for annual payments
30-day free trial
60-day money-back guarantee
How Good is IdentityForce – A Thorough Review
Within the following section, we’ll take an in-depth look at what it brings to the table; so you can decide if IdentityForce is legit and indeed worth your cash.
IdentityForce’s easy-to-use dashboard has made it quite a fan favorite. It provides an extensive identity security cover that includes screening social security number, bank account information, credit cards, information on loans, driver's license number and public record information. An added advantage with IdentityForce is that it provides screening of vehicle registrations and insurance records too.
How much is IdentityForce?
IdentityForce offers 2 personal plans and you can avail a 2-week free trial to help you decide if it’s suitable for you.
It is priced at $17.95 per month or $179.50 for an annual subscription. You get notified of any suspicious activity through immediate alerts. You social security number, banks accounts, address variations, loan and court records, dark web, sex offender registry, and social media are screened under the plan.
Moreover, your credit card transactions are monitored and the plan also has anti-spam measures in place. The plan offers up to $1 million of insurance coverage for financial loss resulting from identity theft. You will also be assisted in case of wallet loss or theft and you’re offered protection for your computing devices and medical ID as well.
UltraSecure + Credit
At $23.95 per month or $239.50 annually, you will have to shell out quite a bit more. However, you will have access to quarterly credit reports from the three bureaus – Equifax, Experian, and TransUnion in addition to all the features of the UltraSecure plan.
IdentityForce Family Plan
There are a couple of ways you can make this work:
- If it’s 1 adult and 1 child, then you can pay an additional $2.75 per month after signing up to any of the above 2 plans
- However, if there are 2 adults and 2 or more children then you can opt to pay an additional $25 (for UltraSecure) and $36 (UltraSecure + Credit) monthly. The key advantage here is that there’s no limit to the number of minors you can add.
Depending on the nature and urgency of your query, you will be directed to the appropriate service department. If your query is more of a general nature then you will be directed to Member Services Representatives, who are available during business hours. In the case of stolen identity, you can get in touch with Restoration Specialists, who are available whenever needed.
You will find, within the following section an in-depth review of LifeLock.
Features and Service
More than 5 million subscribers have entrusted their identity security to LifeLock. This in itself is a strong testament to the value that LifeLock offers. It covers your bank accounts, credit, and other sensitive information.
If you have been affected by identity theft, LifeLock will help you recover your compromised accounts and will also reimburse in case of financial loss and you will be provided legal expertise. Moreover, it has a user-friendly interface, which is easy to set up and the phone support is available 24-7.
It is the least expensive of the 3 plans offered by LifeLock and costs $11.99 per month. However, if you sign up for the annual plan you’ll pay $125 instead of $144. You’re eligible for up to $1 million in case of lost identity and an additional $25,000 for financial loss and to top it off you’ll be entitled to $25,000 more to cover personal expenses.
One drawback is that you won’t get any credit reports or credit scores. But it does keep an eye your Equifax credit records and prompts you if information such as your address, bank accounts or SSN is being used unlawfully.
LifeLock Advantage plan
It is priced at $23.99 per month or $20/month for the year. In addition to the features of the Standard plan, the extra charge gets you better coverage for financial loss and personal expenses at $100,000 each.
For credit monitoring, you get an additional Equifax credit report and Equifax VantageScore 3.0 credit score annually. Moreover, you will also be prompted if your credit card is being used.
LifeLock Ultimate Plus plan
It will cost you $34.99 per month or $28.33/month for the year. There are 2 main benefits here. One, the personal expense coverage goes up to $1 million. Secondly, credit screening is even more thorough. Reports from all 3 credit agencies are included, plus you’ll have monthly access to Vantage 3.0 scores from the credit reports of Experian and TransUnion and to sex offenders alerts.
Lifelock Family Plan*
After you sign up for any of the 3 individual plans (LifeLock Standard, Advantage or Ultimate Plus), you can add children under 18 to the plan for $5.99 per month per child. To add your partner, you’d have to sign up for a separate individual plan.
When you look at some of LifeLock reviews it’s easy to see why their customer support is one of the best among such services. Even the phone line for non-urgent issues is available 24-7. Similarly, their identity restoration department is just as responsive and will guide you through the entire process if you have been affected by identity theft.
Is LifeLock worth it?
Considering that one could sign up for less than $12 and when you take into account what LifeLock brings to the table, we believe it’s good value and more importantly, you’ll sleep comfortably knowing that fraudsters will be kept at bay.
Pros and Cons
A very strong identity protection framework and extensive coverage
Medical record screening
Loan record screening
Quarterly credit reports from all 3 credit bureaus
The facility of having court records monitored while LifeLock doesn’t offer this feature
Access to credit score simulator, which lets you form a clear picture of how your credit will be affected by major expenses and investments.
Quite expensive - the cheapest plan starts at $17.95
You can’t sign up for family plan over the web; it must be done through the phone.
Money back guarantee: For annual members, a complete refund can be requested within 60-days.
A reliable insurance coverage: You’re eligible for up to $1 million for financial loss and personal expense compensation ranging from $25,000 to $1 million depending on the plan.
Reliable customer support: You’ll be given round the clock phone assistance.
Dedicated identity restoration departments: If your information gets stolen, they will thoroughly guide you and oversee the entire account restoration process.
Expensive family plan: You’ll have to spend extra for complete family coverage. There are additional charges for adding kids and your partner must buy his/her own plan.
Annual price increase: You’ll have to pay a dollar extra per month for any plan you subscribe after 1 year.
All about Identity Theft
What is it and how to keep yourself safe?
Put simply, identity theft occurs when someone steals your personal information with the intention of gaining unlawful access to your financials and other important assets or simply to damage your reputation.
Here are a few handy tips that should keep you safe:
- By hyper-vigilant when sharing information. When you’re asked for personal information, your very first job should be to ascertain who they are, why your information is needed and which business they represent. As an added precaution always contact the business to confirm if indeed the information was requested.
- Your private records and documents containing financial information have no business lying around. Run them through a shredder immediately after their job is done.
- Using a credit card is convenient but if you’re not watchful enough you may lose it! Trust your instinct and don’t use it if you don’t feel comfortable. The solution – always have some cash on you.
- People usually throw away or leave behind their ATM and other receipts. Never do that! If they aren’t needed, destroy them.
Why it matters to invest in an identity protection service?
- There are plenty of DIY measures you can have in place to keep your identity and sensitive information safe. However, having a decent identity protection tool can provide you several layers of near impenetrable security. Here’s why you need to consider subscribing to one.
- Monitoring: You can, of course, choose to keep tabs on your information yourself; however, an identity protection tool will make your job a lot easier by constantly monitoring your bank accounts, credit scores, and other information online.
- Alerts: If you aren’t subscribed to an identity protection service then most likely it will be too late before you have a chance to react in case of identity theft. A protection service will share immediate alerts if any of your sensitive or financial information is accessed.
- Information and financial recovery: There may come a time when you indeed become a victim of identity theft. Having an identity protection service allows you the chance to recoup a good chunk of financial loss with some providing insurance cover up to $1 million.
What matters while choosing an identity protection service
Here’s what to consider when choosing your service provider:
- Shop around: There are plenty of identity protection services currently operating. No particular service is perfect for everyone. Start by reviewing the top 4 or 5 and choose a service that best matches your security needs.
- Reviews and testimonials matter! A good place to start is reviewing what others have to say about their experience with the service you’re considering. You’d be surprised how much you can find out about the service from the customer reviews.
- Choose a service that’s transparent: You need to make sure that you understand precisely what you’re paying for. Review each plan carefully to get an idea of the extent of coverage you’ll be entitled to and if you have questions, always ask.
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