Each LifeLock plan has different features, except for the Standard and Select plans. They’re the same plan, except it’s called LifeLock Select instead of LifeLock Standard when bundled with Norton 360. We’re not sure why there’s an inconsistency in naming, and it makes things more confusing when trying to compare plans. They are the same though.
With that in mind, we made a table comparing the features included with each LifeLock plan.
| LifeLock Standard and Select | LifeLock Advantage | LifeLock Ultimate Plus | |
|---|---|---|---|
| Identity and SSN alerts | Yes | Yes | Yes |
| Credit monitoring | 1 bureau | 1 bureau | 3 bureaus |
| Insurance for lawyers and experts | $1 million per adult | $1 million per adult | $1 million per adult |
| Personal expense compensation | $25,000 per adults | $100,000 per adult | $1 million per adult |
| Stolen funds reimbursem*nt | $25,000 per adult | $100,000 per adult | $1 million per adult |
| Dark web monitoring | Yes | Yes | Yes |
| TransUnion credit freeze | No | Yes | Yes |
| Fictitious identity monitoring | No | Yes | Yes |
| Bank account activity alerts | No | Yes | Yes |
| 401(k) and investment activity alerts | No | No | Yes |
| Social media monitoring | No | No | Yes |
| Bank account takeover alerts | No | No | Yes |
Since we tested the Ultimate Plus plan, we got to use all the features. We’ll cover the extra features in each plan to make it clear what you can expect. We’ll include screenshots of us using the service, too, so you can see what you’re signing up for.
LifeLock Standard and Select
Here’s what our LifeLock dark web monitoring alert looked like.
To our surprise, the only alert we received when we tested LifeLock was included as a feature in its least expensive plan. Just under two hours after we finished creating our account and activating our subscription, we received an email alert that it found our information on the dark web.
That was impressive, but we wanted to learn more about it. We bought cryptocurrencies as an investment several years back and figured it had to do with that. After clicking the big “Review this activity” button, we were brought to a page describing what was included in the alert, what the alert meant, and how LifeLock found the leak.
LifeLock gave us information on its alerts and how we could minimize our risks.
As you can see from the screenshot of our alert description, LifeLock scans its dark web database that goes back to 2008. That means if any of your information was leaked on the dark web since 2008, like ours was, you’ll be notified and LifeLock will help you take action. Thankfully, the only information that leaked was an old email address we no longer use.
Did You Know? Some identity thieves don’t use your identity themselves. Instead, they sell it on the dark web for someone else to use. Dark web monitoring keeps an eye out for your information on these anonymous marketplaces so you can take actions before your identity gets sold.
On top of dark web monitoring, the Standard and Select plans include identity and Social Security number monitoring. We imagine those alerts would look the same as our dark web alert, but we didn’t receive any. There’s one-bureau credit monitoring and over $1 million in total identity recovery insurance spread across three categories.
LifeLock Advantage
The main features you’ll be paying for are the TransUnion Credit Lock and three-bureau credit freeze capabilities.
Credit Lock let us temporarily freeze our credit with a simple toggle.
The Credit Lock feature is unique to LifeLock. It lets you lock your TransUnion credit file at the click of a button. Normally, when you freeze your credit file, it takes time to freeze and unfreeze it. That means if you suddenly need a new line of credit, you’ll need to wait until your credit files unfreeze to apply.
>> Learn About: LifeLock vs. Equifax Comparison 2024: Which Is Best?
With the Credit Lock toggle, we could essentially freeze and unfreeze our TransUnion credit file at the click of a button. To take advantage of that flexibility and maximize our security, we turned on TransUnion Credit Lock and froze our credit file with the other two bureaus. That way, if we need to urgently apply for a new line of credit, we can click off our Credit Lock and find a creditor that accepts TransUnion credit checks to get a credit line immediately.
Freezing our credit files was easy with LifeLock’s help.
Basically, with Credit Lock, you can get the benefits of freezing all your credit files without 90 percent of the drawbacks. You also get fictitious identity monitoring, which keeps an eye out for synthetic identity theft. LifeLock gives alerts for suspicious activity related to your credit, checking, and savings accounts.
LifeLock Ultimate Plus
The biggest advantage of going with an Ultimate Plus plan is the increased monetary coverage. The $3 million of total coverage per adult stands out in the industry; LifeLock is the only company that offers it. We could get up to $5 million in coverage when we tested Aura’s family plan, but that’s the total coverage for all adults. The Aura plan covers up to five adults, so that’s the industry standard of $1 million per adult. We cover all the differences in our Aura vs. LifeLock comparison.
>> Read More: Best Alternatives to LifeLock Identity Theft Protection
That’s the biggest reason, but it’s far from the only one. We also got access to three-bureau credit monitoring. Some creditors check only one credit bureau when processing a credit check. With three-bureau credit monitoring, suspicious activity gets caught every time. One-bureau credit monitoring can let some small credit checks through.
LifeLock’s Credit Services gave us tips to improve our credit score.
There’s also more monitoring. We can’t think of anything that isn’t monitored with the Ultimate Plus plan. The company even monitored social media for our information. During our time with LifeLock’s Ultimate Plus plan, we felt like our identity was safe.
Norton 360 Bundle
Any of the LifeLock plans can be bundled with Norton 360. With any of the bundles, you’ll get full access to Norton 360. The only difference is the number of devices the plan supports. Here’s how many devices each plan supports:
- Norton 360 with LifeLock Select bundles support up to five devices
- Norton 360 with LifeLock Advantage bundles support up to 10 devices
- Norton 360 with LifeLock Ultimate Plus bundles support unlimited devices
It surprised us that they changed the number of supported devices with the LifeLock tier instead of the number of people supported in the LifeLock plan. Even if you get the family Norton 360 with LifeLock Select bundle, your VPN and antivirus still support only five devices. We would rather see five devices supported for all individual plans, 10 devices for all two-adult plans, and unlimited devices for family plans.
