Pros / LifeLock Ultimate Plus watches the black market for your data.
Cons / The online live chat support connects you with an automated system and requires you to share some contact information before routing you to a live member.
Verdict / With its five-point plan to monitor your personal information and respond to potential threats as well as its 24/7 member assistance, the LifeLock Ultimate Plus ID theft protection does an excellent job of keeping your personal information safe.
Editor's Note: LifeLock has reported a potential threat involving customer emails. We'll update when more information is available. To learn more details about this see Tom's Guide.
LifeLock Ultimate Plus identity theft protection service provides a comprehensive list of monitoring and alert features to protect your identity. Its five-point plan helps keep you safe by monitoring your personal information, scanning black-market websites for the illegal buying or selling of your personal information, responding quickly to threats, tracking your credit score, and providing a $1 million guarantee‡ for its services. For these reasons and more, LifeLock Ultimate Plus is our Top Ten Reviews Silver Award winner.
It is important to note that the Federal Trade Commission (FTC) asserted in 2010 that LifeLock violated security and advertising practices, and fined the company for these violations. The FTC is a regulatory agency that is responsible for helping to prevent unfair business practices. The FTC cannot find criminal fault, including declaring or finding guilt. LifeLock has maintained its innocence, and the FTC and the courts have both made note of this declaration.
Top Ten Reviews has done research into LifeLock, looking closely at its practices of keeping consumer information secure and the process of alerting customers of any possible identity theft, and have found that the services LifeLock provides are of value and the most comprehensive in the industry, making it the best identity theft protection service in our review.
Monitoring & Notifications
LifeLock monitors public records for misuse of your identity as well as criminal sites for the buying, selling or trading of your personal information on the black market – up to a trillion data points in a day. Whenever it detects that someone is using your personal information to apply for one of the many forms of credit, including auto loans, mortgage loans, utilities, retail credit, wireless services and credit cards†, the service sends you an alert. You then verify if the transaction is legitimate or not. Once LifeLock Ultimate Plus determines that the application in question is fraudulent, the remediation team takes action.
LifeLock Ultimate Plus helps protect nearly every piece of your personal information, as you should expect from the best identity theft protection company in the industry. While all services cover the most common information – your Social Security number, address and credit cards – LifeLock's identity protection scans also look for email addresses, telephone numbers, bank account information and even your driver's license. It checks public records, payday loan applications and criminal records for use of your identity. LifeLock also monitors your medical insurance numbers to watch for anyone receiving medical services while using your identity.
This ID theft protection company monitors your bank accounts for unauthorized changes in your personal information, including changes to existing accounts, new accounts or requests to add new members to an account. It alerts you of new credit card applications or loans being taken out in your name. LifeLock does not stop at financial information, however. You also get reports on criminal activity associated with your name.
In addition, this service provides you with a sex offender list for your neighborhood. Not only can you check to make sure an offender hasn't fraudulently used your address to register his or her location, but you'll also know if there are any sex offenders living in your area. Some services, such as Identity Guard and PrivacyGuard don’t offer this.
Junk mail offers for credit cards or banking are not only annoying, they can put you at risk of identity theft. This identity theft protection company sends requests to have your name removed from preapproved credit offer mailing lists. This also limits what dumpster divers might find in your garbage.
Children's identities are stolen 30 percent to 50 percent more often than adults'. LifeLock has a plan to protect your children's identities as well as your own. This covers the same services your plan does, plus peer-to-peer file-sharing networks. The company also guarantees this service up to $1 million.‡
If you become a victim of identity theft while you're a LifeLock Ultimate Plus member, LifeLock spends up to $1 million to hire trained experts to recover your identity under its total service guarantee. This service guarantee applies to residents of every state, which sets it apart from other services that have lesser guarantees for some areas, such as New York. In addition, this service repays your losses up to $1 million.
If your wallet is lost or stolen, you can contact a LifeLock identity theft protection expert to help you cancel your credit cards and deal with issues stemming from losing your identification. Coverage includes your credit and debit cards, driver's license, Social Security card, insurance cards, checkbooks and traveler's checks. The service does not cover pictures, cash or cash equivalents.
As part of its recovery services, LifeLock collects sensitive, personal information from you either through the mail or by fax, the two most secure ways of sending information with the least chance of it being intercepted. Once received, your information is placed in a locked vault and only accessed by your assigned recovery agent, and only when working on your case. Once any issues have been resolved, this file is shredded.
As a LifeLock identity theft protection customer, you can access your member portal at any time. Member service representatives are available around the clock to answer your questions, and in case of identity theft, you'll have a team of experts at your disposal.
For general information, you can call or email customer service or check the FAQs. There's also live chat on the website. The way it responds suggests it's a bot, at least until it gets past general questions, but it can provide you with excellent information. Eventually you will be connected with a live agent to answer more in-depth and detailed questions. Education goes a long way in preventing identity theft, so this ID protection website also has a comprehensive section with news, tips for you and your family, and steps to take if your identity is stolen.
This identity theft protection service offers monitoring and alerts to protect your identity against fraud. By covering black-market sites as well as public records and looking beyond financial issues, LifeLock Ultimate Plus does the best job at safeguarding your personal information against identity theft.
Disclaimer: This site is not owned or operated by LifeLock Inc., and the contents of this site are either under the exclusive control of Top Ten Reviews or other third parties not under the control of LifeLock Inc. Any representations contained in this site are those exclusively of the site owner and not LifeLock Inc., and LifeLock Inc. is not responsible for the accuracy of any such representations. The site operator may receive compensation from sales made through this site. Copyright (c) 2016 Top Ten Reviews. LifeLock, the Lockman Logo and "Relentlessly Protecting Your Identity" are trademarks or registered trademarks of LifeLock Inc.
† Network does not cover all transactions, and scope may vary.
The benefits under the Service Guarantee are provided under a Master Insurance Policy underwritten by State National Insurance Company. Under the Service Guarantee, LifeLock will spend up to $1 million to hire experts to help your recovery. As this is only a summary, please see the actual policy for applicable terms and restrictions at LifeLock.com.