Pricing and Plans
There are four different levels of service each with different pricing and different features:
- Basic Protection - $8.99/month or $89.95/year.
- Watchful Eye - $12.99/month or $129.95/year.
- Extra Caution - $16.99/month or $169.95/year.
- Total Protection - $19.99/month or 195.95/year.
Note that prices are subject to change.
Three of the four plans have $1 million in identity theft protection insurance with no deductible; Watchful Eye which comes with $2,500 of insurance and a $250 deductible. Identity theft protection insurance can be used to cover the costs incurred from clearing ID theft including compensation for lost wages and travel and child care.
Because Identity Guard was created to catch ID theft, it watches more than just your credit reports. It also monitors the internet for use of your personal information.
Lifelock’s Idenity Theft Protection service is comparable to Identity Guard’s service. However, Lifelock’s two identity monitoring plans, priced at $10 and $15, do not provide credit report or score updates. Lifelock does offer a credit monitoring plan that’s $14.95 per month. The credit monitoring plan doesn’t offer identity theft protection services and only gives you annual credit reports with daily monitoring and monthly credit score updates.
Lifelock’s product provides free fraud alerts – placed directly to your Equifax and TransUnion credit reports (indirectly to Experian reports). Identity Guard doesn’t offer the fraud alerts, but this is something you could do for free if you’d prefer to receive credit monitoring with your identity monitoring product.