LifeLock vs. IdentityIQ

IdentityIQ starts at $8.99/mo. for the Secure Plus package, $17.99/mo., for their Secure Pro package, and $26.99/mo. for the Secure Max package. LifeLock costs $11.99/mo. for a basic package, $22.99/mo. for the intermediate package, and $34.99/mo. for the most in-depth services, either company has to offer. At this time, IdentityIQ doesn’t offer identity protection for children, but LifeLock offers LifeLock Junior for $5.99/mo. per child. Since IdentityIQ costs slightly less they win this round.

Both IdentityIQ and LifeLock have received reviews on the Better Business Bureau website that indicate difficulties in canceling either service. However, IdentityIQ has a higher star rating overall, plus an A+ rating by the BBB compared to LifeLock’s dismal F grade and one-star rating.

IdentityIQ does not provide any refunds or trial periods. LifeLock has a 60-day money-back guarantee for its annual subscribers only. Paying for LifeLock on a month-to-month basis makes you ineligible for this trial period. However, since any trial period or refund is better than none, LifeLock wins this category.

Both LifeLock and IdentityIQ provide tri-bureau credit monitoring to their highest-paying plan members, but IdentityIQ goes above and beyond with its “enhanced monitoring” program, which provides a credit score simulator, tracker and alerts alongside monthly reports. Expect only one annual tri-bureau credit report and monthly one-bureau reports from LifeLock.

Signing up for a basic package with either IdentityIQ or LifeLock gives you one-bureau credit monitoring, SSN alerts, dark web monitoring, stolen or lost wallet protection, change of address verification, and access to a U.S.-based restoration team. IdentityIQ also provides its basic members file-sharing network searches, which is only available to LifeLock’s Ultimate Plus subscribers. Both companies have a unique offering in their highest plans: if you want 401(k) and investment monitoring, choose LifeLock’s Ultimate Plus. If you want access to a credit simulator, choose IdentityIQ’s Secure Max package instead.

LifeLock provides its Standard members only $25,000 in stolen funds reimbursement, whereas IdentityIQ provides up to $1 million for stolen funds, lawyer expenses and lost wages for all subscribers except the most basic plan. You need to be an Ultimate Plus subscriber to receive the same level of service with LifeLock. IdentityIQ also provides a family theft ID insurance plan of up to $25,000 for its highest-tier plan. Because IdentityIQ offers a greater value for a lower price, we deem it the overall winner of this category.