LifeLock vs Experian: Which Is Risk-Free?

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LifeLock provides clients with single-bureau Equifax based credit reports accompanied with 24/7 customer service assistance. Experian Identity Works is a credit bureau that provides clients with quarterly credit reports through its own comprehensive triple-bureau credit monitoring. Both Experian or LifeLock offer ID theft insurance of up to $1 million.

It is quite easy to choose LifeLock as your Identity Theft Protection service because of the robust system that the company provides to their clients. The insurance of $1M combined with the credit monitoring and money back guarantee make it a great choice especially for first time users of the service.

  • Keep all your digital information safe from viruses and hackers.
  • LifeLock watches the dark web for any mention of you.
  • Monitors all 3 credit bureaus.
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Both LifeLock or Experian offer a lot of the same servicesLifeLock’s 24/7 customer service assistance is a great feature, while Experian Identity Works includes high-risk bank account & credit card transaction alerts, identity validation alerts, payday loan monitoring at all premium plans.

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LifeLock vs Experian – Head to Head Comparison

Online Protection
  • Offers a 60-day Money-Back Guarantee
  • Does not have any of these Feature
Insurance Coverage
  • Offers Personal Expense Compensation in addition to the ID theft Insurance
  • Only offers ID Theft Insurance
Credit Monitoring
  • Doesn’t have this Option
  • Offers Daily Credit Scores


Online Protection
  • Both LifeLock and CyberScout provide focused online protection from identity fraud and theft.
  • Both Services alert you to changes in any online accounts, new or already existing.
  • CyberScout and LifeLock Identity Theft Protection offer various resources to educate yourself and those around you about Online Fraud.
Insurance Coverage
  • Both Services offer ID theft insurance cover of up to $ 1 million.
  • Both Services provide Dark Web and Social Media Monitoring
  • Both Services monitor Bank Accounts
  • Both Services monitor the Social Security Number

An In-depth Look At LifeLock 

A strong, loyal customer base is one of the most obvious signs that a business or a brand is doing something right. It certainly seems to be the case when you evaluate LifeLock. It carries a huge following of more than 5 million people across the US, relying on LifeLock to keep them safe online.

It will keep a close eye on your finances such as your bank accounts and credit card usage. LifeLock is equally effective at restoring order if you fall victim to identity theft. Not only will it provide you with legal assistance and account restoration services, but it will also provide you insurance cover of to up to $1 million. Other than that, it comes along with an easy-to-use setup with a low learning curve and decent customer support.

Pros and Cons

  • If you have signed up for the annual program and aren’t fully satisfied then you claim a refund within 60 days.
  • LifeLock offers a generous ID theft coverage of up to $1 million, plus a personal expense compensation ranging from $25,000 to $1 million.
  • They have one of the best customer support departments in the business
  • In case you suffer ID theft, LifeLock staff will guide you through every step of the way until your account is restored.
  • If you plan to bring your spouse under protection then the entire package along with the kids could get quite expensive.
  • Your monthly bill will be increased by $1 after 12 months of subscription.

LifeLock Plans

$9.99 /month
LifeLock Standard
  • It is the most wallet-friendly of the 3 plans. It will set you back $11.99 per month. However, if you are keen on saving some cash then signing up for their annual plan will make more sense. Paying upfront for the year will save you $19 as you’ll be paying $125 instead of $144.
  • You stand to receive up to $1 million in case of lost identity. Moreover, you will also get an additional $25,000 to make up for the immediate financial loss. Plus you will be liable to receive another $25,000 to meet your personal expenses.
  • The Standard plan doesn’t offer any credit reports or credit scores. But it regularly monitors your Equifax credit records and lets you know if someone tries to gain unauthorized access to your bank accounts or SSN.
$17.99 /month
LifeLock Advantage Plan
  • It is priced at $23.99 per month and if you pay upfront for the entire year, your monthly bill will come down to $20 per month. You must be wondering “what does the extra charge get me?” You get all the features of the Standard plan plus the financial loss and personal expenses compensation are both bumped up to $100,000 each.
  • You will also get improved credit monitoring as the plan provides an additional Equifax credit report and Equifax VantageScore 3.0 credit score.
$23.99 /month
LifeLock Ultimate Plus Plan
  • It will run you a monthly bill of $34.99 but you can make a significant saving of more than $6 per month if you sign for the annual plan – you will pay$28.33/month. Now, even at $28.33 per month, it’s still not cheap. However, the plan offers a couple of distinct advantages.
  • First of all, you will be liable to receive up to $1 million to cover your personal expenses in case of identity theft. This is a huge difference from the other 2 plans. Moreover, you will get access to more robust credit screening features such as the reports from all 3 credit agencies and monthly access to Vantage 3.0 scores from the credit reports of Experian and TransUnion.
  • The plan offers regular sex offender reports of your designated locality.
$5.99 /month
Lifelock Family Plan
  • Adding your children to your plan is quite easy. All you need to do is pay $5.99 per month per child after signing up for any of the above individual plans.
  • The children must be under the age of 18 years and you can add a maximum of 10 children under a single plan. However, if you intend to add your spouse, you will have to subscribe to an additional individual plan, which makes the proposition quite pricey.

Experian IdentityWorks – Does It Rival The Best?

Experian is primarily known for providing individual and business credit monitoring services. In fact, it is one of the oldest firms providing such services with a storied history of 125 years and a track record to match. So in essence, Experian is truly an “expert” in extensive data analysis. This meant progression into digital ID protection services as the natural next step. IdentityWorks is one such service meant to bring affordable ID protection to the masses.

They offer a comprehensive feature bucket that includes dark web monitoring, internet surveillance, up to three credit bureaus reports depending on the plan, court records surveillance, sex offender reports, address change notifications, loan application alerts, SSN monitoring, bank account and credit card activity alerts, up to $1 million in identity theft insurance, file sharing network surveillance, social media monitoring and the option to lock your credit reports.     

Pros and Cons

  • Experian is a trusted and reliable name in credit monitoring and data analysis. This gives IdentityWorks a high pedigree.
  • Starting at $9.99 a month, it is quite affordable.
  • Depending on the plan, you will get up to $1 million ID theft insurance coverage.
  • They have an easy-to-navigate website.
  • Depending on the severity of the ID theft damage, you may be assigned an exclusive identity restoration official
  • The Standard plan offers bare-bones ID theft protection, which may not be enough for some people.

Pricing and Plans

Experian offers 3 plans. You have the option to choose either Plus and Premium tiers in all 3. If you choose Plus, you will get basic protection services. However, if you desire a more comprehensive level of ID protection then signing up for Premium will make more sense.

The monthly charges range from $9.99 a month to $29.99 a month. Moreover, the signup is risk-free as you can “test drive” any plan you choose free of charge for 30-days and canceling your membership won’t be a hassle.

You will also be liable for a decent discount if you sign up for their annual plan – you can net a discount of 17% on annual signup! Let’s take a closer look at their pricing:     


$9.99 /month
  • You’ll be paying $9.99 a month. The plan comes along with an ID theft insurance of up to $500,000. However, there’s one caveat – you won’t have access to the credit score report.
$19.99 /month
  • The plan costs $19.99 a month. However, the added charge doubles your ID theft insurance up to $1 million. You will also have access to the quarterly credit reports from all 3 bureaus; and additional protective features including bank account & credit card alerts, identity validation alerts, payday loan monitoring, court records, sex offender registry, and social network monitoring.

Family Plan

With 1 Adult and Up to 10 Children

$14.99 /month
  • The only differentiating factor here is the $14.99 monthly price. The other features are pretty much identical to the Individual Plus plan. The ID theft insurance cover is up to $500,000 and no credit score report is provided.
$24.99 /month
  • Again the only difference is the $24.99 monthly price with the rest of the services being the same as those offered with the Premium Individual plan.

Family Plan

With 2 Adult and Up to 10 Children

$19.99 /month
  • It will certainly take some effort to find a family plan that allows you to add up to 10 children for $19.99 a month. That’s a great deal, especially when you add in the insurance cover of up to $500,000. No credit reports are given though with the plan.
$29.99 /month
  • The plan does cost $29.99 a month but your ID theft insurance cover will be doubled to $1 million. And you will have a more robust ID protection mechanism at your disposal with the added premium features along with the quarterly credit reports

Final Verdict – LifeLock Wins

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In a comparison of Experian vs LifeLock, if your primary objective is to get ID protection at an affordable price then choosing Experian will make more sense but if you want more thorough protection and price is not an issue then LifeLock will serve you well.   

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