by Calvin Fellows
Topic: ID Theft
> 3 min read
An excellent security suite that monitors your information and scans the web. It is an affordable option but lacks a few of the modern theft deterrents LifeLock employs.
One of the leading identity theft protection providers with its device protections, notification services, privacy services, and web scanning technology.
Identity theft is an issue that is not likely to disappear anytime soon. As technology improves consumer convenience, thieves follow right behind the improvements, finding ways to steal from people. Many consumers do not fully understand how the technology works and leave identity bread crumbs for thieves to follow.
In EverSafe vs. LifeLock, we’ll compare 2 well-known identity theft protection providers, their plans, and the features that help to secure your information and deter theft of your identity. If you’re weighing the options of identity protection providers, check out what each of these providers can do to secure your identity.
EverSafe vs. LifeLock: Comparison
WHAT YOU GET
Identity Theft Protection
- 1 EverSafe vs. LifeLock: Comparison
- 2 QUICK FACE-OFF
- 3 EverSafe Features and Services
- 4 LifeLock Features and Services
EverSafe Features and Services
EverSafe offers coverage for entire families. EverSafe does not have limits on the number of family members you can cover.
Identity Theft Protection and Restoration
As with most identity protection service providers, EverSafe’s identity theft protection services are minimal in the lowest-tier plans and increase their maximum protection services in its higher-tier plan. You also receive $1 million in insurance for fund recovery and fee reimbursement.
The most proactive of all the services provided is the scanning technology used to scour the dark web for your information. Artificial intelligence software searches the regular and dark webs daily for personal information, ensuring yours is protected.
Credit monitoring is the second most important service in identity theft protection suites. The automated checks reduce the work you have to do to make sure your credit file is not accessed to open new accounts or credit cards in your name.
EverSafe also monitors your credit card numbers and sends you alerts when they are used. You can quickly catch illicit financial activities and take action to secure your credit and accounts if you receive an alert.
Children’s information is incredibly valuable to identity thieves because the fraud may not be detected until your children attempt to open bank accounts or use credit. Unlike other providers, EverSafe does not limit the number of children you can add to your policies. If you have a large family, you can protect them all.
Plans and Pricing
The lowest-tier plan, Essentials, protects your savings and credit cards while scanning the internet and dark web for your information. The plan costs $7.49 for an individual, and you can add family members for a 30% discount ($5.24) per member. Seniors can be added to the account for a 10% discount ($6.74). You can add real estate monitoring for an additional $4.99 per month per property.
The plus plan is the middle-tier plan and runs $14.99 for an individual. The plan adds credit monitoring, identity theft monitoring, and fraud remediation support. Add any number of family members for $10.49 per member, or add seniors for $13.49 per person.
In the top-tier plan from EverSafe, you receive 3-bureau credit and investment monitoring. The EverSafe family plan costs $24.99 per month for an individual, $17.49 for each additional family member, and $22.49 per senior.
Pros and Cons
LifeLock Features and Services
There are 4 plans offered by LifeLock. You can add family members to any of the plans for up to two adults and 10 children.
Identity Theft Protection and Restoration
LifeLock’s plans all provide alerts for credit bureau monitoring, Social Security number monitoring, and identity theft protection. You receive up to $1 million in reimbursement for fees and stolen fund insurance.
Identity restoration experts are on call to help you recover your identity by guiding you through the steps and processes.
Your credit cards and credit file are monitored for activity. You’ll receive alerts via the LifeLock app if someone tries to access your credit. The app also provides a convenient method for locking and unlocking your TransUnion credit file, providing one of the best protection against identity theft.
You can lock your file when you don’t need to apply for any loans or otherwise have your credit checked. Close it back up so no one else can initiate credit checks in your name.
Your family’s credit and files are also monitored for changes and inquiries. The highest-tier plan provides monitoring of all three credit bureaus for the best protection.
Pricing and Plans
Standard is the lowest-tier of the LifeLock plans and will cost you $8.33/month (paid annually) or $9.99/month (paid monthly).
The second-tier plan is the same price as the Standard plan for the first year. It runs $8.33/month (paid annually) or $9.99/month (paid monthly). The extra feature is Norton 360 security, and it renews at a higher price than that of the Standard plan.
The Advantage plan is priced at $16.67/month (paid annually) or $19.99 per month (paid monthly). It includes Norton 360 services and financial account monitoring.
The Ultimate Plus includes all the lower-tier plans ID protection features plus home title monitoring, 3-bureau credit reports/scores, and more device protection services. This LifeLock family plan is $25 per month (annual billing) or $29.99 per month (monthly subscription) and has the highest renewal pricing.
Pros and Cons
The rate of identity theft has been increasing rapidly throughout the last decade, and companies such as LifeLock and EverSafe focus on protecting consumers from known identity theft methods. Yet, identity theft complaints are on the rise, and consumers have increasingly been held responsible for some of the fraud committed against them, raising the costs incurred from fraud or theft.
The importance of identity theft protection services cannot be understated. Consumers need protection from thieves and assistance monitoring and securing their information to combat the rising number of thefts.
The LifeLock full security suite, along with securing and scanning consumer devices, gives them the most protection in an era where our devices carry all our data. For these reasons, LifeLock’s comprehensive monitoring and device safety methods earn it our pick for the best of the two providers.
While LifeLock might appear more costly to consumers, its plans cover far more than most identity theft protection providers on the market. When you consider that someone is scanning the entire internet for you, providing insurance for rising costs, and securing your devices, you’ll undoubtedly see what we do — that LifeLock is more than worth the investment.
About the Author
Calvin Fellows is a former military security agent and police detective who headed security administration. Calvin is experienced and knowledgeable in all avenues of personal and corporate security, and is dedicated to educating people on how to preempt any physical or cyber security attacks before they happen.