LifeLock vs. Identity IQ

Decide which company to trust for identity theft protection.
Updated Jun 30, 2020
Written By
Safety Team | Home Security Experts
Evaluated over 90 safety products to help you protect what matters most. Check our Methodology

LifeLock and IdentityIQ provide identity theft insurance and monitoring services. The more money you can pay each month, the more resources these companies will use to cross-reference your data and find errors or suspicious activity. But which one ultimately provides the best service?

Compare LifeLock vs. IdentityIQ

  • Price

    Winner: 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.

  • Customer Service

    Winner: IdentityIQ

    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.

  • Trial Period

    Winner: LifeLock

    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.

  • Tri-Bureau Credit Scores

    Winner: IdentityIQ

    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.

  • Features

    Tie: IdentityIQ and 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.

  • ID Theft Insurance

    Winner: IdentityIQ

    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.

The Winner: IdentityIQ

IdentityIQ and LifeLock provide very similar services for comparable price packages. However, IdentityIQ squeaks past the competition to become the overall winner thanks to more services and a more valuable reimbursement package in its basic plan, as well as a higher rating from the BBB and customer reviews. LifeLock still represents a powerful option, especially for those seeking 401(k) and investment monitoring or a money-back guarantee.



Starting price
$8.99/mo. $9.99/mo.
Internet and dark web monitoring
Yes Yes
Credit monitoring
Yes Yes
SSN monitoring
Yes Yes
Tri-bureau credit monitoring
Yes On highest plan only
Bank account monitoring
ID theft insurance
Yes Yes
Medical fraud monitoring
Social media monitoring
Trial period
N/A60 days
BBB rating
Unique feature
Optional credit simulator Optional 401(k) monitoring
Please note that BBB ratings, plans, pricing, and other details can change without our knowledge. Details accurate as of May 7, 2020.

Frequently Asked Questions About LifeLock and IdentityIQ

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Safety Team

The Safety Team is a group of experts that handle provider research, product reviews and recalls to make your home safety and security search as easy as 1-2-3.

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