Is LifeLock worth it? Cost, features, and reviews

LifeLock is the #1 most trusted identity theft protection brand. It consistently receives praise for providing best-in-class protection, with Tom’s Guide calling it the “Best for all around protection”, PC Mag awarding LifeLock “Best Overall Identity Protection” in 2025, and Security.org giving it the top spot in their review of the best identity theft protection services.

Millions of customers trust LifeLock to help protect their identities. But, to truly understand why LifeLock is worth it, you need to know how it works, what features it offers, and what real LifeLock members say.

How does LifeLock work?

LifeLock monitors hundreds of millions of data points a second to detect potential threats to your identity. We look out for your name, address, date of birth, Social Security number (SSN), financial details, and more across the internet, dark web, and in applications for credit and other financial services.^2††

If we spot suspicious activity, we give you the information you need to help protect yourself, with 24/7 live member support.^Δ And, if the worst happens and your identity is stolen, you’ll get expert guidance from a U.S.-based personal restoration specialist, plus up to $3 million in insurance³ for financial losses and incurred costs.

Aside from active monitoring for identity theft risks, LifeLock also offers powerful credit monitoring^†† to help you spot key changes to your credit report that may indicate fraud. Plus, you get timely alerts of large-scale data breaches that might impact your privacy.

Here’s what to expect when you join LifeLock:

1. You’ll be asked to verify your identity by providing your SSN or other personal details to help us protect against fraudulent signups. Providing this data also allows us to monitor it for fraudulent use.
2. You can then provide other personal information that you want us to monitor, from your name and address to your banking details.
3. Dark web monitoring will be activated automatically, so right when you sign up you’ll get an immediate report about your personal information on the dark web.
4. You’ll also get automatic access to our restoration support services upon signup, and you can choose to activate any other features included in your plan.
5. We’ll start monitoring your information across the internet, dark web, and applications for credit and services, sending you alerts whenever we find a potential threat.

Is LifeLock worth the cost?

LifeLock plans start at $11.99 monthly or $89.99 annually. You’ll get access to a suite of identity theft protection, fraud detection, and financial monitoring tools, along with 24/7 member support and, depending on your plan, up to $3 million in potential coverage per individual for losses and costs following identity theft.

That means that with a LifeLock family plan covering five family members, you can get up to $15 million dollars in insurance coverage. Considering the risk of identity theft and the potential cost of not being protected, LifeLock is certainly well worth it.

Joining LifeLock can help reduce your exposure to identity theft or fraud by spotting early warning signs, alerting you to potential threats, and providing reimbursement for qualifying losses in the worst-case scenario.

Here’s a full summary of the price of our three best-selling individual LifeLock plans, so you can decide which level of coverage suits you best.

LifeLock also offers family plans, with the same suite of identity theft protection tools for up to two adults and five children in one simple package. LifeLock Standard family plans start at $149.87 for the first year for two adults, and $221.87 for two adults and up to five children.

What users and experts say

It’s one thing for us to claim that LifeLock is worth it. But to prove it, we’ll show you what current LifeLock members say about our identity theft protection, and what independent experts report in their reviews.

LifeLock features and capabilities

LifeLock offers a comprehensive identity theft protection toolkit full of features that help you reduce exposure of your personal information, detect potential threats, and protect yourself in the worst-case situation.

Identity theft protection

The foundation of all LifeLock plans, our identity theft protection features help you safeguard your personal information and detect signs that your identity might be at risk. Tools available across all plans include:

• Identity and Social Security alerts: We send alerts if we detect your name, address, date of birth, SSN, or other personal details in applications for credit or services.
• Privacy monitoring: We scan public people-search and data broker websites to help you find where your sensitive personal information is exposed and improve your online privacy.
• Dark web monitoring: We continuously monitor the dark web and send notifications if we detect any traces of your personal or financial information on hidden websites or marketplaces.
• Data breach notifications: We send notifications about large-scale data breaches that may have impacted your online privacy or security, so you can take steps to protect yourself.
• USPS address change verification: We notify you if a change is made or a new address reported to the United States Postal Service (USPS) in your name.

Certain LifeLock family plans, as well as the standalone LifeLock Junior plan, offer the same robust identity theft protection for minors, who may be at increased risk of child identity theft.

With a LifeLock Advantage or LifeLock Ultimate Plus subscription, you’ll get access to additional identity theft protection features that can help you detect even more risks to keep your identity and finances safer:

• Social media monitoring: We scan for signs of unusual activity like suspicious login attempts, account takeovers, or inappropriate content tied to your name across Facebook, Instagram, Twitter, and LinkedIn.
• Phone takeover monitoring: We send alerts if we detect an attempt to port your number to another carrier — a common tactic involved in “SIM swap” attacks that can leave you vulnerable to follow-up fraud.
• Buy Now, Pay Later monitoring: We detect account applications made in your name with services like Klarna, Affirm, and Afterpay to help you spot potential fraudulent activity that could harm your credit.
• Utility account monitoring: We monitor for signs that a fraudster has opened a new utility account in your name, with coverage of gas, electric, water, cable, and internet services.
• Home title monitoring: We notify you if we detect changes to your home title, including alterations to the record of ownership or financing details, to help protect against title theft and other forms of fraud.
• Alerts for crimes committed in your name: We search for falsified court records that contain your personal information, a potential sign of criminal identity theft that could leave a lasting mark on your record.

Together, these identity theft monitoring and protection features provide the broadest volume of alerts all in one place. With LifeLock Ultimate Plus, you’ll get an unmatched detection system that helps protect against possible identity threats that other services can miss.

Credit monitoring

Our credit monitoring feature helps you spot key changes to your credit report that could indicate fraud. You’ll receive alerts about new hard credit inquiries, accounts opened, or lines of credit drawn in your name as they appear. Early warnings about suspicious activity allow you to take swift action to protect your finances by disputing errors or freezing your credit.

All LifeLock plans include strong credit monitoring coverage so you can keep track of key changes to your credit and get alerts to help detect potentially fraudulent activity. And LifeLock Ultimate Plus allows you to monitor your credit at all three major credit bureaus.

As a LifeLock Ultimate Plus member, you’ll also get access to monthly credit reports and score updates, helping you track your credit journey or find evidence of fraud.

Restoration and reimbursement

All LifeLock members get access to 24/7 live support and, if your identity is compromised, a U.S.-based personal restoration specialist will be standing by to help you recover.

We’re so confident in our experts’ ability to help, we offer a 100% restoration guarantee: if we can’t reinstate your identity to good standing, you’ll get your money back.⁴

Like some identity theft insurance plans, LifeLock also includes coverage for stolen funds, costs associated with legal support, and personal expenses following identity theft. Plans include over $1 million in potential coverage as a LifeLock Standard member and over $3 million with LifeLock Ultimate Plus.^†††

Stolen wallet protection also means that you’ll get support canceling or replacing lost credit cards, driver’s licenses, Social Security cards, insurance cards, and more.

Financial monitoring

On top of the identity theft protection, credit monitoring, and restoration features, LifeLock Ultimate Plus offers a range of financial monitoring tools that can help you detect signs of fraud as they appear. That includes always-on monitoring of your checking, savings, and 401(k) and investment accounts.

You can customize your settings to be notified of withdrawals, balance transfers, large purchases, and more — all potential signs that someone has gained access to your financial accounts. You’ll also get alerts of new bank account applications made in your name.

LifeLock pros and cons

LifeLock is the leader in identity theft protection for a reason. And to make sure you know it’s the right service for you, consider these pros and cons:

How LifeLock compares to alternatives

LifeLock is the most reputable brand in identity theft protection, but there are other services available on the market, including Aura, Identity Guard, and IdentityForce by TransUnion.

Many claim to offer similar features to LifeLock, including credit monitoring, dark web monitoring, and alerts for signs of identity theft or data breaches. However, many of these other services may not provide the deep level of protection and comprehensive monitoring of LifeLock. And don’t just take our word for it — LifeLock has the highest user rating on Trustpilot.*

Additionally, many alternatives appear to lack LifeLock’s dedicated focus on identity theft protection. Aura, for example, automatically bundles, and makes you pay for, device security features like a VPN that you may not need or ever use. LifeLock gives you the choice, so you can decide which level of protection matches your needs.

Other services may also offer lower reimbursement limits, increasing your risk of being left out of pocket in the event of identity theft. And while LifeLock plans may not be the cheapest option of the bunch, you get what you pay for.

Here’s a summary of how LifeLock stacks up against other identity theft protection services:

Do you need LifeLock?

LifeLock is the service for you if you’re concerned about the risk of identity theft or fraud, want to monitor your online exposure to help protect your privacy, or need peace of mind that you’re covered for losses and expenses following identity theft.

It’s designed to help you stay more alert to threats so you can protect yourself and your finances. And, should the worst happen and your identity get stolen, you’ll be glad to have our U.S.-based personal restoration specialists on your side, along with up to $3m in insurance for each individual on your plan.

Join the millions of customers who trust us to help protect their identities

Identity theft is more common than you might think, and its impact can be life-altering. LifeLock helps protect you against the risks of becoming a victim with powerful proactive monitoring, expert restoration support, and industry-leading reimbursement coverage. Invest in peace of mind today to safeguard your identity and financial future.