We spent over a month testing LifeLock vs. Discover. The results were clear – LifeLock is the better choice.
LifeLock provides more identity theft insurance coverage – up to $3 million with its top-tier plan, plus additional coverage for children. Discovery maxes out at $1 million, regardless of the number of people on your plan.
LifeLock also offers better security features to safeguard your identity, including Norton antivirus software, a password manager, and parental controls. Discover doesn’t offer any device security extras.
LifeLock also doesn’t require you to have a Discover card. Only Discover credit card holders can sign up for Discover identity protection services.
You can lock in, you can get off LifeLock using our discount code.making it a better value than Discover, too.
- You want the peace of mind that comes with more identity theft insurance coverage – $1 million each for stolen funds, personal expenses, and legal fees.
- You want top-notch device security, including Norton antivirus and Norton family parental controls.
- You want a great value. With our discount code, you can get all of LifeLock’s services for a very affordable rate.
- You happen to have a Discover credit card already (and don’t mind using a sub-par identity protection service).
- You’re fine with less identity theft insurance coverage. Discover maxes out at $1 million per plan.
- You have more than five kids under 18. Discover allows for ten children on any plan but doesn’t include additional insurance coverage for them.
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It’s now more important than ever to protect your personal identity, particularly in the online sphere. If you’ve decided to purchase an identity protection plan, you must compare LifeLock vs. Discover. The following guide can help you decide which option is best for you.
LifeLock vs Discover – Head to Head Comparison
LifeLock vs Discover Similarities
LifeLock Features and Services
Security Features and Identity Protection
LifeLock identity theft protection is available through a series of tiered offerings. LifeLock customers can avail of comprehensive SSN, bank account, credit card surveillance, annual 3-bureau credit reports and scores, and dark web scanning.
Certain packages come with Norton 360, which is an anti-virus and device protection software. It protects your computer or mobile from phishing scams and includes a VPN for safe and anonymous browsing. This is very useful if you use online banking.
Your credit score is a key indicator of identity theft. LifeLock credit monitoring services track your credit and bank accounts and alert you of any suspicious activity through a phone call, mobile app, or email.
You receive annual 3-bureau credit reports and scores, allowing you to keep an eye on your financial health.
LifeLock focuses on 3 key ways to protect its customers.
The first is that it covers you for personal expenses incurred due to identity theft (up to the limits of your plan). Secondly, you’re repaid for money stolen due to identity theft (up to the limits of your plan). Finally, LifeLock provides lawyers and experts to help you resolve your case.
LifeLock pays up to $1,000,000 in insurance reimbursements. Its US-based customer service team is available 24/7.
Pros and Cons
Plans and Pricing
Discover Features and Services
Security Features and Identity Protection
Discover identity theft protection services provide a host of excellent security features, protecting you from potential cybercrimes. It monitors your financial accounts, credit scoring, and SSN and surveys the dark web for any misuse of your information.
Discover customers gain access to a digital dashboard, where you can view your information and receive alerts for potential breaches.
Your personal address and identification are monitored carefully against the National Change of Address database and criminal records to ensure nobody is falsely using this information.
Discover credit monitoring provides customers with a monthly credit score update. Three-bureau credit alerts are also sent out when key changes are reported to your credit file.
Since your finances are likely to be your most valuable asset to cybercriminals, closely monitoring your accounts and credit score allows Discover to spot any fraudulent activity quickly.
Most identity protection services can’t guarantee that theft won’t occur. If Discover customers become identity theft victims, they can receive up to $1,000,000 in reimbursement for stolen funds, lost wages, and other expenses. Discover has a $0 Fraud Liability Guarantee, so customers are never responsible for unauthorized purchases on their Discover cards.
Identity theft victims gain access to Discover’s US-based fraud resolution specialists.
Pros and Cons
Pricing and Plans
Final Verdict – LifeLock Wins
LifeLock and Discover offer two very different services. While some of their core security features align, the additional device protection measures and 3-bureau monitoring offered by LifeLock make it the more comprehensive provider. Though there are better alternatives out there too.
Unfortunately, Discover identity protection is only available to Discover credit or debit card holders. If you’re not a Discover member already, you do not qualify for its identity protection services.
Although Discover is reasonably priced and allows up to 10 children to be added to a plan for free, the security features are no match for the LifeLock Advantage and Ultimate Plus plans. The LifeLock alert systems are more extensive, and the 3-bureau monitoring system gives you far better coverage than Discover’s Experian alternative.
LifeLock offers more diverse financial security features. It monitors all types of bank accounts, including 401(k) and investment accounts. These are some of the most valuable financial assets that a person can have, meaning they must be protected.
With only 1 available plan, Discover identity protection is quite restrictive. LifeLock offers 4 different packages at a variety of price points, allowing its customers to choose a plan that suits their specific needs. The added benefit of device security makes it the perfect choice for a modern consumer.
If you’ve decided to take your and your family’s personal security more seriously, invest in security protection today. LifeLock is the superior choice in creating a safer future.
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