Lifelock Review

LifeLock has been an identity theft protection service provider since 2005. It uses alert tools and innovative monitoring technology to help you safeguard your personal data. In 2017, they were purchased by Symantec, a digital security group that has been helping in refining LifeLock's services. In 2019, LifeLock was renamed as NortonLifeLock adding more services to its development.

With the antivirus software and identity theft protection combined, it proves to be one of the best cybersecurity and fraud protection that everyone could ever have. 

Now, let us get into the deeper details of how LifeLock's all-in-one protection works.

LifeLock Overview

Pros:

• 60-day money-back guarantee
• $1 Million in reimbursement protection
• Triple-bureau credit monitoring
• Intuitive navigation and design
• Identity restoration specialists
• Device protection with Norton360
• Great reputation for outstanding customer service

Cons:

• Cheaper plans offer limited protection
• Some features only work on PC
• Increasing subscription fees

LifeLock Plans & Pricing

LifeLock Standard

• $9.99 per month on the first 1st yr
• Renews at $11.99 per month
• Identity and social security number alerts
• Credit monitoring: one-bureau
• Identity theft protection benefits

Norton 360 with LifeLock Select

• $9.99 per month on the 1st yr
• Renews at $14.99 per month
• Identity and social security number alerts
• Credit monitoring: one-bureau
• Security for up to 5 devices
• VPN for up to 5 devices
• Identity theft protection benefits

Norton 360 with LifeLock Advantage

• $17.99 per month on the 1st yr
• Renews at $24.99 per month
• Identity and social security number alerts
• Credit monitoring: one-bureau
• Security for up to 10 devices
• VPN for up to 10 devices
• Bank account and credit card activity alerts
• Alerts in crimes committed in your name
• Identity theft protection benefits
• Device security benefits

Norton 360 with LifeLock Ultimate Plus

• $25.99 per month on the 1st yr
• Renews at $34.99 per month
• Identity and social security number alerts
• Credit monitoring: tri-bureau
• Security for unlimited personal devices
• VPN for up to unlimited personal devices
• Bank account and credit card activity alerts
• Alerts in crimes committed in your name
• Annual tri-bureaus credit report and credit scores
• 401(k) and investment account activity alerts
• Home title monitoring
• Identity theft protection benefits
• Device security benefits

LifeLock Setup and Registration

LifeLock's usability isn't that hard if you already know the basics of every software. Just like other programs, it will require a few of your personal data for registration, such as:

• Complete name
• Email address
• Home address
• Date of birth
• Confirmed Social Security Number
• Phone number

You will also be required to provide a valid identification card and your credit card for payments.

For LifeLock's programs set up, it will give you the opportunity to set up the device security, VPN, and password manager on your own. Don't worry, activating these features are oh so easy with just a few clicks!

Its password manager is another privacy tool that will help you recall the dozens of passwords you have. It will be installed as an extension to your browser and will require you an authentication process and will act as a vault, which is a storage for your log-in credentials (usernames and passwords) for all your accounts in different services and websites.

What are the features of LifeLock?

LifeLock Insurance

LifeLock renders its Million Dollar Protection Package to its members on all plan levels. It also provides insurance coverage for stolen funds reimbursement, personal expense compensation, and coverage for lawyers and experts with the following range depending on your subscribed plan

• $25,000 to $1 Million for stolen funds reimbursements
• $25,000 to $1 Million for personal expense compensation
• $1 Million for coverage for lawyers and experts

Credit Monitoring and Credit Reporting

The three major credit-reporting agencies work together with LifeLock. TransUnion, Experian, and Equifax will cover credit monitoring every three months, as well as annual credit reports and scores. However, tri-bureau credit monitoring is only applicable to the highest subscription option. Otherwise, you will only get one-bureau, which is from Equifax.

Take a look at these plans for credit monitoring and credit reporting

• LifeLock Standard: Credit monitoring only from Equifax
• Norton 360 with LifeLock Select: Credit monitoring only from Equifax
• Norton 360 with LifeLockAdvantage: Credit monitoring only from Equifax
• Norton 360 with LifeLock Ultimate Plus: Tri-bureau (Equifax, TransUnion, Experian) credit monitoring and annual credit report and credit score

Take note, LifeLock does not dispute errors on your behalf. You need to file it yourself online with the affected credit bureaus. Also, LifeLock's identity theft protection benefits can be used by everyone. Unlike before that, you have to upgrade your account to gain access.

LifeLock also covers all its subscribers when it comes to securing everyone's Social Security Numbers, which is available for every plan. Moreover, the Ultimate Plus Plan will get you covered more such as:

• 401K & investment account activity
• Bank account take over
• Home titles
• Security for unlimited household devices

To dispute a credit report, LifeLock gives you 5 steps to follow:

1. Identify any credit report errors such as incorrect credit limits, inaccurate account balances, a closed account that is still being reported as open, and more.

2.  Contact the furnisher or the company that provides any erroneous information, which could be any entity like utility companies or banks.

3. Allow time for investigation

4. Follow up after investigation assuming that you already have the copy of your changed credit report and results of the investigation in writing.

LifeLock's website can also be used in locating your credit score and credit report by clicking on the "Credit Score & Report" tab. To access these features, you have to log-in using your username and password. For their mobile app users, your credit score is the only one made available for you to check.

All credit scores will be based on the VantageScore3.0 model, which is an educational score that is similar to the actual FICO that banks use. Moreover, this is calculated from your actual credit report.

LifeLock Alerts

Just like other service providers, LifeLock does not monitor every single activity or transaction you have. However, it ensures all users that it will detect suspicious activities and alerts you directly through text, phone, or email.

LifeLock will immediately alert you on transactions such as:

• Bank and credit card alerts
• Data breach notifications
• An application for new credit
• U.S Postal Service change of address verification
• Changes in records including court records, inaccurate court records, criminal records, and identity theft
• Dark web monitoring and information
• Sex offender registry reports

Take note that some of these mentioned alerts are not applicable to every subscribed plan.

Moreover, some transactions or events will take up to 30 days before it gets to your knowledge, such as:

• Changes of personal information to existing accounts like person added as an authorized user.
• Applying or inquiring for reward cards, new services, reward programs with the bank listed on your alert. 
• Applying for new credit or refinancing services.

LifeLock Privacy and Security

"Committed to safeguarding privacy and personal data."

That is LifeLock's assurance to their customers regarding their privacy as it remains vigilant in guarding the individuals it represents. Once you subscribe to one of their plans, they will store some of your personal data since the company is based in the United States, which is a member of the 14 eyes.

14 Eyes is composed of fourteen countries that have agreed to band together and share their intelligence information with one another. This includes your personal data and browsing history.

For the enrollment process, LifeLock will collect or access:

• Name and email address
• IP Address or geolocation
• Data usage and preferences
• Cookies from websites
• Account ID
• Device ID

For the billing process, LifeLock will collect or access:

• IP Address or geolocation
• Cookies from websites
• Billing Address
• Administrative information such as Wallet ID, Auto Bill ID, Payment Transaction ID
• Provisioning information such as browser details
• Security Information including device fingerprint ID from the third party
• Subscriber information including Payment Information (depending on the method can include Credit/Debit Card Information or PayPal account)

Norton 360 Antivirus

NortonLifeLock technology blocks over 7 million threats on average every day. These threats include spreading your personal information on public Wi-Fi using a secure VPN. Moreover, it also has antivirus software from Norton 360. 

As we have mentioned, LifeLock has developed its security features with Norton 360. this development gives you more protection from malware and viruses. It can protect at least 5 personal devices including your laptops, tablets, cellphones, and desktops.

Norton 360 has been known to have one of the best anti-malware products and services. According to the most recent test from AV-Comparatives, Norton 360 proved to protect devices against malware, spyware, and viruses that could leak your personal data and infect your device. 

LifeLock's Customer Service

Recovering from identity theft is the most reported cases and reviews that LifeLock's supports usually get. So far, LifeLock has been constantly reliable when it comes to customer support and service.

There are multiple ways to find support from LifeLock:

• You can go to their website and search for the support center for your concerns.
• Common support topics, such as billing, identity theft, credit report & scores, are made available for you.
• You can submit a support request from their website.
• The LifeLock Restoration Department will help you if you are a victim of identity theft.
• Member services and support agents are available online through phone calls.

FAQs

Does LifeLock help with identity theft?

Yes. It will help you monitor your accounts and send alerts if they detect any malicious activities or transactions.

How do you check to see if someone stole your identity?

According to LifeLock, here are some warning signs that indicates identity theft:

• You don’t receive bills or other mail.
• You notice withdrawals from your bank account that you didn’t make.
• You see unfamiliar accounts or charges on your credit report.
• You get calls from debt collectors about debts you didn’t incur.
• You receive medical bills for services you didn’t receive.
• A health plan won’t insure you because your medical records indicate a condition you don’t have.
• The IRS sends you a letter saying more than one tax return was filed in your name. Or the IRS notifies you that you have income from an employer you never worked for.
• A company where you do business notifies you that your personal information was accessed in a data breach.

Can you recover from identity theft?

Yes. According to LifeLock, here are some ways to recover if you have been a victim of identity theft:

• Contact the business where your information was misused, let them know there was fraudulent activity on your accounts, and close them.
• File a police report.
• Contact the three major credit reporting bureaus—TransUnion, Equifax, and Experian—and consider putting a fraud alert on your credit. This ensures future creditors will take extra steps to verify your identity.
• Consider a credit freeze, which is stronger than a fraud alert and ensures no one can use your credit to open new accounts. You'll still need to monitor existing accounts.
• If you don't have a credit monitoring account, consider setting one up.
• Change your password, so they're strong and unique, for all your online accounts.

Does LifeLock protect your Social Security number?

Yes. LifeLock not only protects your Social Security Number but also your home titling monitoring, bank account and credit card transactions, and more.

Is LifeLock worth paying for identity theft protection?

Yes. LifeLock has got you covered with every identity theft protection features you need. More than that, it can also give you maximum security for your multiple devices using a VPN and antivirus from Norton 360.