LifeLock vs AllClear ID: Automate Your Protection

LifeLock is the perfect choice for those who care about strong cybersecurity and identity theft prevention. The 3 premium paid plans come with Norton 360 antivirus software, protecting both you and your device. 

  • Ultimate Plus plan offers up to $1,000,000 in personal compensation, stolen funds reimbursement, and legal insurance
  • Each package provides identity and SSN monitoring, as well as Lost Wallet Protection
  • Advantage and Ultimate Plus plans send you alerts for crimes committed under your name
all clear id

If you’re worried you’ve had your identity stolen, but you don’t know where to begin or what to do, you’ll appreciate the free Basic plan. This package gives you access to expert ID restoration services. 

  • Basic plan is completely free and perfect for those on a budget
  • The verification and setup process is secure and straightforward
  • The live customer service is award-winning

Identity theft is a common crime that can leave the victim feeling anxious and financially insecure. One of the best ways to prevent this personal data breach is to invest in an identity protection service. 

These services provide specialist restoration advice for how to reclaim your finances and freeze your credit file. They also offer bureau monitoring, which tracks any changes to your credit report, and identity monitoring, which alerts you if someone else is using your personal information.

When it comes to the LifeLock vs. AllClear ID debate, we looked at all the plans and features to determine which one offers the most comprehensive protection.

LifeLock vs. AllClear ID: Comparison

WHAT YOU GET

LIFELOCK

ALLCLEAR ID

Coverage

  • Single bureau coverage for Standard, Select, and Advantage plans
  • You’ll get 3-bureau credit coverage with Ultimate Plus plan
  • Default single-bureau coverage option, with opt-in 3-bureau monitoring for triplicate alerts
  • Basic plan has no credit monitoring

Credit Monitoring

  • Single bureau annual credit report with Advantage plan
  • Ultimate Plus plan includes Triple Bureau report and monthly credit score tracking
  • ProPlus plan includes your annual credit report from TransUnion

Identity Monitoring

  • Ultimate Plus package provides sex offender registry tracking and file-sharing network scans
  • Advantage and Ultimate Plus plans send you alerts if crimes happen under your name
  • Optional ChildScan add-on monitors any suspicious use of your child’s SSN
  • Both Basic and ProPlus plans offer access to ID theft recovery services

Insurance & Other Services

  • Provides up to $1,000,000 in coverage
  • Select, Advantage, and Ultimate Plus plans come with a virus protection guarantee
  • 24/7 real-time customer support across all plans
  • Advantage and Ultimate Plus plans have a credit lock function
  • Offers up to $1,000,000 in insurance coverage
  • Lost Wallet Protection feature
  • Real-time fraud alerts and notifications

QUICK FACE-OFF

Similarities

  • Both identity protection services have paid plans that offer insurance coverage of up to $1,000,000.
  • They both offer real-time customer support and restoration services. 
  • The AllClear ProPlus plan includes a Lost Wallet Protection feature, while all of the LifeLock plans offer this service. 
  • The LifeLock Advantage and Ultimate Plus plans provide you with your annual credit report, while the ProPlus package gives you your annual TransUnion credit score. 
  • Both services have paid plans that send you fraud alerts and notifications whenever something is happening in your checking or savings account.
  • Both companies offer protection services for children. The AllClear ID ProPlus plan comes with a ChildScan add-on option, while the Select, Advantage, and Ultimate Plus plans give you the choice of adding Norton software for one or more of your children. 
  • Both of these products provide the option of triple-bureau credit monitoring. The LifeLock Ultimate Plus plan includes 3-bureau coverage, while the ProPlus package has an opt-in hyperlink that will send you 3 duplicate alerts whenever your credit score changes. 
  • You’ll find that both companies’ customer service is excellent. The identity theft recovery specialists are attentive, helpful, and constructive.
  • Both sites have highly secure log-in processes. 
  • The Select, Advantage, and Ultimate Plus plans come with a 60-day money-back guarantee, while the AllClear ID ProPlus offers a 30-day free trial so that you can try before you buy. 

Differences

  • AllClear ID has the option of a free plan, while the cheapest LifeLock package is $9.99 per month. 
  • LifeLock credit monitoring is more extensive than the AllClear ID credit monitoring. Single-bureau coverage is the default for the AllClear ID packages, but the LifeLock Ultimate Plus plan offers triple-bureau tracking.
  • The most affordable LifeLock plans (Standard and Select) offer up to $25,000 in stolen finances reimbursement, yet the AllClear ID packages don’t provide that same level of protection.
  • The Select, Advantage, and Ultimate Plus programs come with high-quality antivirus software that provides security for multiple devices. Most other identity protection services, including AllClear ID, don’t include this type of cybersecurity. 
  • The LifeLock premium packages cost almost twice as much per month as the AllClear ProPlus plan. 
  • The Select, Advantage, and Ultimate Plus plans come with 100 GB, 250 GB, and 500 GB of cloud backup for your Windows PC, while the AllClear ID plans don’t include data storage options. 
  • The LifeLock Advantage and Ultimate Plus packages have a handy credit lock function so that you can block off your credit file if you’re worried about someone stealing your data. The AllClear ProPlus plan doesn’t include this feature. 
  • LifeLock provides more comprehensive identity monitoring services than AllClear, with sex offender and dark web tracking available. 

LifeLock Features and Services

Credit Monitoring 

All of the LifeLock plans offer at least some form of credit monitoring, with the Ultimate Plus packaging providing customers with extensive, 3-bureau tracking. The Advantage and Ultimate Plus plans also offer annual credit reports, with the latter package giving a monthly update on your credit score.

Identity Monitoring 

All 4 paid plans include essential identity monitoring as part of the LifeLock identity theft protection package, with the Ultimate Plus plan offering sex offender registry tracking and reports. We appreciate that this program also sends you alerts whenever there are unexplained changes to your bank account, and you’ll also receive notifications for any external applications to your checking account.

This premium plan contains software that will scan specific file-sharing websites to retrieve your stolen identity information.

Reimbursement & Compensation Services

Whichever plan you’re on, you’ll receive up to $1,000,000 in financial support for suitable legal expertise if you’re the victim of identity theft. The Standard and Select programs provide you with up to $25,000 in compensation for personal expenses, while the Advantage plan offers up to $100,000 dollar-for-dollar reimbursement for any money you’ve had stolen. The Ultimate Plus plan will provide up to $1,000,000 in this reimbursement process. 

Lost Wallet Protection

All of the LifeLock plans include the Lost Wallet Protection feature. This means that you can log any credit cards and identity documents onto the app so that if someone steals your wallet, you know exactly who to contact. 

Dark Web Tracking 

All of the LifeLock packages have built-in dark web monitoring. This software scans previously inaccessible sites and alerts you if there’s any mention of your stolen ID. 

Norton 360 Antivirus Software

If you purchase one of the Select, Advantage, and Ultimate Plus plans, you’ll receive Norton 360 device security software for your phone, tablet, or computer. This software includes a smart firewall, malware protection, a parental control feature, and built-in protection against online threats. When you sign up for 1 of these packages, you’ll discover the LifeLock family plan option, where you can add the NortonLifeLock for your children and partner.

Plans and Pricing

Standard

The Standard LifeLock plan costs $9.99 per month and $99.99 for a year. As well as offering basic identity and Social Security monitoring services, this package will alert you when there’s been a data breach and will track the dark web to find any sign of your stolen personal details. You’ll receive single-bureau credit monitoring. 

Select

With a monthly cost of $9.99 and a yearly price of $99.99, the Select plan provides you with all the features of the Standard model as well as 100 GB of backup storage. You’ll also find a built-in parental control, as well as the beneficial anonymous browsing function.

Advantage

This plan costs $19.99 per month, with an annual rate of $199.99. You’ll receive single-bureau credit scores. You’ll also find the credit lock function, which allows you to quickly safeguard against identity theft when your personal details have been compromised. You’ll also get 250 GB of cloud backup and a built-in VPN feature that you can use on up to 10 separate devices.

4

Ultimate

The Ultimate plan is the most expensive LifeLock package, but it provides unprecedented device security and identity theft protection. If you invest in this program, you’ll pay $29.99 per month and $299.99 annually. You’ll have access to unrivaled compensatory and legal support, Norton 360 device security, and comprehensive identity monitoring services.

Pros and Cons

PROS

  • The LifeLock app is easy to download and use.
  • This service brings together identity theft safeguarding and high-quality antivirus software to ensure both you and your computer are protected. 
  • The app is intuitive and easy to use.
  • There are a wide variety of paid plans available, from the Standard package with its single-bureau credit monitoring to the Ultimate Plus program with its monthly credit score updates. 
  • The Select, Advantage, and Ultimate Plus programs provide you with between 100-500 GB of cloud storage.
  • The Ultimate Plus and Advantage plans come with a credit lock feature so that you can freeze your credit file and easily unlock it later on. 
  • The Select, Advantage, and Ultimate Plus programs come with a secure VPN option you can switch on and off. 

CONS

  • LifeLock doesn’t offer any free identity theft protection package.
  • The Standard and Select plans don’t provide any identity monitoring services.
  • The expensive Advantage plan only offers 1-bureau credit monitoring.
  • You won’t find any device security software or backup cloud storage with the Standard plan.
  • The NortonLifeLock software with Ultimate Plus requires you to remember several passwords. If you forget the password for the LifeLock vault, you’ll be locked out for good. 
  • The Select and Standard plans don’t offer any credit reports or score updates. 
  • Some people may find the NortonLifeLock antivirus software a bit complicated to install and set up.
  • The more affordable Standard and Select plans don’t provide checking account or crime alerts.

AllClear ID Features & Services

Identity Recovery Services

Both the AllClear ID plans grant you access to the company’s identity repair and restoration services. These resources will help you review suitable documents, lock your accounts, and get in touch with your creditors.

Fraud Alerts 

The ProPlus plan enables you to request fraud alerts from the TransUnion credit bureau. If you think that your personal identity data has already been compromised, then you’ll find this feature particularly useful. 

Insurance Coverage 

If you invest in the ProPlus plan, you’ll have access to up to $1,000,000 in insurance coverage. This support will help you to recover from losing your financial assets and identity, as well as pay for high-quality legal help.

Lost Wallet Protection 

You’ll find a form on the AllClear ID website that you can print out: this is where you log your credit and membership card numbers as well as your bank account details. If someone steals your wallet, you can call up the professionals at AllClear HQ, and they’ll talk you through how to recover these stolen documents. 

ChildScan Add-On 

This specialist monitoring feature tracks your child’s Social Security information and alerts you if it pops up anywhere unexpected, whether online or in a bank withdrawal request. This feature is the closest thing we found to an AllClear ID family plan.

Annual TransUnion Credit Report 

When you buy the AllClear ProPlus plan, you’ll receive an annual credit report from TransUnion and your credit score. This single-bureau statement is less accurate and comprehensive than a triple-bureau credit report because lenders don’t necessarily report to all 3 of the credit bureaus. 

Pricing and Plans

Basic

The Basic plan is FREE and provides you with access to the company’s identity recovery resources. These experts can help you write letters to your banks and freeze your current credit score in the event of a personal data breach. You won’t receive any credit or identity monitoring services with this package. 

ProPlus

The ProPlus option is the premium AllClear ID identity theft protection plan. It costs $14.95 per month and will give you single bureau credit monitoring by default: you have to opt-in to triple bureau tracking through the app, and you’ll get a disclosure note that advises against doing precisely that. You’ll also receive annual credit reports from just one major bureau (TransUnion). 

ChildScan Add-On

This service is surprisingly expensive: for an extra $4.95 per child per month, you’ll be able to track any suspicious usage of your kid’s SSN. We appreciate this add-on, safeguarding option, but we think the price is too steep for the service you’re getting.

4

Company-Sponsored Packages

If you or your company have had your data compromised by a hack or security breach, your employer may give you a redeemable code that allows free access to a company-sponsored protection package. These packages can include various useful features, from Lost Wallet Protection to VantageScore updates to $1,000,000 in insurance.

Pros and Cons

PROS

  • AllClear Basic plan is completely free and provides customers with access to identity recovery services. 
  • ProPlus plan gives you fraud alerts so that a company doesn’t open a new line of credit without your permission first. 
  • If your company or employer gives you a redeemable code, you’ll have access to the identity and credit monitoring services for free.
  • The AllClear ID app dashboard is easy to read and use.
  • You’ll receive Lost Wallet Protection with the ProPlus plan.
  • There’s an option to add-on ChildScan monitoring so that you can keep track of your child’s Social Security details.
  • The ProPlus plan gives you your annual TransUnion credit report and VantageScore 3.0.
  • You’re covered up to the value of $1,000,000 with the ProPlus identity theft insurance. 

CONS

  • The Basic plan doesn’t provide any credit monitoring.
  • You have to opt-in for specialist 3-bureau monitoring. The ProPlus default is single bureau tracking. 
  • The $14.95 monthly rate is relatively steep for a ProPlus package that doesn’t provide much in the way of identity monitoring services. 
  • Some people may find the alerts challenging to access or understand. 
  • The ProPlus plan only offers credit reports from TransUnion, not from Equifax or Experian. 
  • AllClear ID doesn’t give out as many alerts as the other identity protection services.
  • You won’t really know what you’re getting with the company-sponsored package until you sign up for it online. There are many variations on these subsidized plans. 

More on All Clear ID protection

Competitors: AllClear ID vs ProtectMyID: compare the two

Conclusion

Both AllClear ID and LifeLock offer premium paid packages with extensive credit monitoring and real-time alerts, but we think that the latter service provides far more in the way of identity tracking and top-notch cybersecurity. AllClear ID can’t compete with LifeLock when it comes to identity protection and support.

The LifeLock Select, Advantage, and Ultimate Plus programs all come with Norton antivirus software, allowing you to set up a secure VPN on 5 or more devices, block any programmatic trackers, and enable anonymous browsing.

If someone steals your identity, these packages also offer up to $1,000,000 in coverage for useful legal advice and support, with the Ultimate Plus plan providing $1,000,000 worth of compensation for your stolen money.

With LifeLock, you get a wide variety of choices when it comes to company plans, which we love. For $9.99 per month, you’re covered for up to $25,000 in personal expense compensation with the Select package. The Advantage program provides up to 250 GB of cloud backup storage, $100,000 in stolen money reimbursement, and a beneficial credit lock feature, all for $19.99 per month.

The Ultimate Plus package provides you with everything you’ll need to protect yourself against identity theft and fraud. For $29.99 a month, you’ll get comprehensive triple-bureau coverage, checking and savings account notifications, sex offender tracking, 24/7 customer support, and unprecedented levels of device security.

Whichever LifeLock program you choose to go for, you’ll love the built-in Norton protection, extensive identity tracking, and top-notch credit monitoring that this service provides. 


About the Author

Keith Morris is a 20+ year veteran of the security game, with the knowledge and experience to set you on the right track toward personal safety and security. His firm is committed to giving you the tools and know-how to combat any threat to your safety.

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