LifeLock vs Experian

by Keith Morris

Topic:  ID Theft

> 1 min read

LifeLock vs Experian. 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 and LifeLock offer ID theft insurance of up to $1 million.

Both Experian and LifeLock offer a lot of the same services. LifeLock'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.


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.


Experian IdentityWorks

This service offers cheaper packages compared to LifeLock. Some of the services offered by the company include SSN monitoring, bank and credit card activity alerts, dark web, and social media monitoring. 

LifeLock vs. Experian: Compare Plans





ID Theft Insurance

$ 1 Million

$ 1 Million

Additional personal expense assistance

SSN Monitoring

Bank account & Credit Card Activity Alerts

Social Media Surveillance

Daily Credit Score

Depends on the plan

Money-Back Guarantee

Although Experian is a relatively new entrant in the industry, the fact that it is run and owned by Experian gives it credibility that most other new entrants take years to earn. Here’s a quick snapshot of LifeLock vs Experian similarities and differences.



  • 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
  • Both services provide sex offender lists


  • Lifelock offers a 60-day money-back guarantee while Experian doesn’t
  • Experian offers daily credit scores while LifeLock doesn’t
  • Lifelock offers personal expense compensation in addition to the ID theft insurance while Experian only offers ID theft insurance

An In-depth Look At LifeLock 

The following section presents a detailed review of 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.

LifeLock Plans

It offers 3 individual plans along with the option to convert those into a family plan with added features. The pricing and categorization are simple. Here they are:

1. 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.

However, 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.

2. 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.

3. 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.         

4. 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?

The following section presents a detailed review of Experian IdentityWorks.

Experian IdentityWorks

Overview & Features

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.      

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:     

1. Individual

  • Plus: 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.  
  • Premium: 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.  

2. Family Plan with 1 Adult and Up to 10 Children

  • Plus: 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.   
  • Premium: 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.    

3. Family Plan with 2 Adults and Up to 10 Children

  • Plus: 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.   
  • Premium: 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     

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.

Experian IdentityWorks

Experian IdentityWorks


  • 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.


In a comparison of LifeLock vs Experian, 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.   

Understanding Identity Theft Protection

From buying groceries to booking your weekend trips; almost every part of the daily life now relies on the internet. Although convenient, but it puts you at a risk – a huge risk if you tend to take your online security casually.  

We’re sure, you know someone who has experienced some form of online fraud. This shows how serious the issue has become. Even large corporations with million-dollar IT budgets aren’t completely immune to such attacks.

So it’s about time that you start taking your online security a lot more seriously and subscribing to an online ID theft service is a good place to start.

Let’s see how identity theft has impacted our way of life and what you can do to stay safe.  

We’ll also share with you a detailed comparison of two well-known online ID protection services called LifeLock and Experian IdentityWorks.    

How to Protect Yourself From Identity Theft

There are a few simple steps that you can take to keep yourself and your loved ones safe from prying eyes on the internet:

  • Use 2-step authentication wherever possible and keep changing your password every 4 weeks.
  • Don’t visit any untrusted websites or links. By doing so, you make yourself a sitting duck.
  • Never share your personal information until you absolutely have to. And when you do make sure not to do it over your phone or email.
  • Regularly checking your credit reports will let you know if any unauthorized financial initiative has been taken on your behalf.
  • Don’t leave personal documents unintended and destroy or store safely when not needed.  
  • Subscribe to a respectable online ID protection service.

Why You Must Invest In Identity Protection

From financial ruin to tarnished reputation; there is plenty that can go wrong if you don’t take your online security seriously

Here are some of the many benefits of subscribing to an online ID protection service:

Round The Clock Security

Virtually all ID protection services provide extensive internet and dark web surveillance, which minimizes the risk of ID theft.   

Quick Alerts

When you've signed up to an ID protection service it minimizes your reaction time in-case you become a victim of ID theft.

Financial restoration

Most ID theft protection services provide a generous insurance cover for ID theft victims with some even providing personal expenses in addition to the insurance cover. 

How To Choose An Identity Protection Service That Serves You Well

Keep the following pointers in mind to choose a service that matches your needs.

  • Shop around: Don’t settle on the first option that you come across. There’s a good chance that you will find a better deal if you review several services. 
  • Read Customer Reviews: Don’t fall for the tall promises. Always review customer feedback. It will help you pick the best possible option.
  • Clarity: Their terms could at times be confusing so it’s best to ask questions to be absolutely sure about the claim procedure and other features.

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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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