Based on our extensive testing, we have found that for most people, Identity Guard is the best identity theft protection service.
by Keith Morris
Topic: ID Theft
> 1 min read
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.
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.
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
Insurance & Other Services
- 1 LifeLock vs. AllClear ID: Comparison
- 2 QUICK FACE-OFF
- 3 LifeLock Features and Services
- 4 AllClear ID Features & Services
- 4.1 Identity Recovery Services
- 4.2 Fraud Alerts
- 4.3 Insurance Coverage
- 4.4 Lost Wallet Protection
- 4.5 ChildScan Add-On
- 4.6 Annual TransUnion Credit Report
- 4.7 Pricing and Plans
- 4.8 Pros and Cons
- 4.9 Conclusion
LifeLock Features and Services
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.
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
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.
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.
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.
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
More on Norton LifeLock
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.
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.
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.
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
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.
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).
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.
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
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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