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      January 17, 2019

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LifeLock vs Identity Guard

Best Identity Theft Protection

To help you find the Best Identity Theft Protection, TopConsumerReviews.com provides you with an in-depth comparison of LifeLock and Identity Guard.

To see ALL of our reviews for the Best Identity Theft Protection, please Click Here

What's the best Identity Theft Protection service? Unfortunately, Identity Theft is big business. According to Javelin Strategy, the number of identity theft victims in the U.S. has risen to over 16 million people, resulting in around $20 billion in losses each year.

It's a big business alright; and one in which you could be a potential victim. There are a variety of ways in which data thieves can steal your personal information. They can sift through trash to find bills and credit statements; they can steal credit and debit card numbers when your card is used; they can get information by hacking your computer and retrieving your data while posing as legitimate businesses.

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Best Reviews

2019

Identity Theft Reviews

5 stars
LifeLock

LIFELOCK Visit Site

Cost:

Starting at $9.99 per month (plus applicable taxes)

TopConsumerReviews.com Best-In-Class Blue Ribbon Award LifeLock offers Identity Theft Protection plans to fit different individuals needs. LifeLock is one of the pioneers in Identity Theft protection and consistently works to stay ahead of the ever-changing world of identity theft. Here's a summary of the Identify Theft protection services they currently offer:

  • LifeLock Standard™. LifeLock Standard™ identity theft protection uses innovative monitoring technology and alert tools to help proactively safeguard your credit and finances. LifeLock will send you alerts for potential identity theft by text, phone ††, email, or mobile app. If identity theft does occur, a U.S.-Based Identity Restoration Specialist, dedicated to you, is there to personally manage your case.
  • LifeLock Advantage™. LifeLock Advantage™ identity theft protection provides enhanced identity theft protection beyond financial and credit fraud. LifeLock searches for falsified court records containing your personal information to help protect you from arrest for crimes you haven't committed, monitor for fictitious identities using aliases with your Social Security number, and alert you of potentially fraudulent credit card activity.
  • LifeLock Ultimate Plus™. Your bank accounts and credit are a gold mine for identity thieves. LifeLock Ultimate Plus™ identity theft protection gives you peace of mind knowing you have LifeLock's most comprehensive identity theft protection. Enhanced services include alerts for new bank account applications, attempts to take over existing accounts, online annual three-bureau credit reports and credit scores, plus monthly one-bureau credit score tracking1.

In addition to helping proactively safeguard your credit and finances, LifeLock also provides assistance should you become a victim of identity theft. If you become a victim of identity theft, LifeLock helps protect you with their Million Dollar Protection™ Package †††. This includes reimbursement for stolen funds and coverage for personal expenses, each with limits of up to $25,000, $100,000 or $1 million depending on your plan, and coverage for lawyers and experts if needed up to $1 million, to help resolve your case.

As a LifeLock member, you receive additional perks, such as annual credit reports1 and access to LifeLock Junior™. A LifeLock Junior membership is available only as an added membership to an adult LifeLock plan.

Your child's clean credit file is a gold mine for identity thieves. LifeLock Junior™ identity theft protection helps proactively safeguard your child's personal information with a combination of advanced monitoring features uniquely designed to help protect children against identity theft.

LifeLock's services start at a very affordable price point. If you're concerned about identity theft, LifeLock's comprehensive protection should put your mind at ease. By taking the steps necessary to help protect your identity, LifeLock provides a strong defense against identity thieves. And their Million Dollar Protection™ Package ††† is there if you ever become a victim of identity theft. LifeLock earns our highest rating.

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3 stars
Identity Guard

IDENTITY GUARD Visit Site

Cost:

From $19.99 to $24.99 per month

Identity Guard is one of the longest-established businesses in the Identity Theft Protection industry. For over 20 years, their services have sought to protect the average consumer from any security breaches, preventing loss and restoring positive credit ratings.

Their protection plans have changed over the years, so if it’s been awhile since you've taken a look at what Identity Guard has to offer, consider this basic overview of their three current plans:

  • Identity Guard with Watson: for $19.99/month, you get a very comprehensive set of features, including personal risk assessment, $1 million in identity theft insurance, 3-bureau credit monitoring, and a safe browsing extension for subscribers’ computers. This plan is recommended for people who use social media at least once a week.
  • Total Protection: also for $19.99/month, this plan seems to focus more on getting quarterly updates on subscribers’ credit reports, but includes many of the same features as the previous plan, minus the Watson Artificial Intelligence component
  • Platinum: for $24.99/month, customers get all of the benefits of the Total Protection plan, with the addition of monthly credit report updates and scores from all three credit bureaus

Their most recent addition is the artificial intelligence feature known as Watson, IBM’s cognitive computing that allows Identity Guard to “personalize and customize” their protection for each customer. This AI is used to analyze users’ digital habits to look for areas of potential risk, as well as to scan news articles, social media comments, posts, and blogs in order to find any emerging threats that are pertinent to each individual customer.

We found it challenging to understand the differences between Identity Guard's three plans. It would have been very helpful to see a chart that allows prospective clients to compare the plans at a glance, to determine which features are included. Instead, visitors to the Identity Guard site have to click back and forth among several screens, looking for which features may be different across the plans. Especially given that Identity Guard’s plans are, across the board, more expensive than most of their competitors’, we were left wondering what exactly we’d be getting when choosing among the three options.

Our biggest concern with Identity Guard is the quality of the service. We found more than a few reviews that described Identity Guard's failure to alert users of security breaches in a timely fashion. For example, several people said they were notified of a problem either by their credit card company or by another Identity Theft company days in advance of any communication received from Identity Guard. Also, a number of customers said that it was difficult to get through to anyone at customer service when they had a problem and wanted to make sure that their information was secure.

On the other hand, Identity Guard’s Total Protection service was chosen by well-known authority Kiplinger Finance as the 2015 winner for the “Best ID Protection Service”. That kind of endorsement merits consideration.

In order to give Identity Guard a more ringing endorsement, we’d like to see more clarity in what each plan offers to their customers. We’d also like to see an upward trend in customer satisfaction, especially with respect to timely notification of any security threats. With such an extensive history within the identity theft protection field, Identity Guard should be able to make those changes and once again establish themselves as a top authority.

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Continued from above

Once they have your data, it doesn't take long for them to wreak havoc. For example, they can steal from your bank and checking accounts. Or, they can open new loans for cars and other big ticket items. They can even charge your accounts for vacations, home furnishings, and surgical procedures such as Liposuction and plastic surgery.

And after you realize you're a victim, it can take months or even years to straighten out the mess.

While no one can guarantee that your personal information will never be stolen, Identity Theft Protection services work to make sure that this information can not be used to bring you harm.

There are a number of features you'll want to consider when looking for an Identity Theft Protection service. Some of these include:

  • Services offered.  Some companies provide extensive protection and monitoring services; others provide just basic reporting.
  • Cost.  The cost for these services can vary widely. You want to be sure you're getting good value for your dollar.
  • Reimbursement.  Some services provide no reimbursement for losses or expenses do to identity theft or coverage for lawyers if needed.

TopConsumerReviews.com has reviewed and ranked the best Identity Theft Protection Services available today. We hope this information helps you protect your identity right away!

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