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LifeLock Cost for Seniors: 2024 Pricing & Reviews
LifeLock no longer offers a “LifeLock Seniors” product — which raises the questions: Is LifeLock right for older Americans? And how much does it cost?
LifeLock no longer offers a “LifeLock Seniors” product — which raises the questions: Is LifeLock right for older Americans? And how much does it cost?
March 4, 2024
Jory MacKay
Jory MacKay
Aura Cybersecurity Editor
Jory MacKay is a writer and award-winning editor with over a decade of experience for online and print publications. He has a bachelor's degree in journalism from the University of Victoria and a passion for helping people identify and avoid fraud.
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4.7 stars as of March 2024
Does LifeLock Offer a Discount for Seniors?
According to the Federal Trade Commission (FTC), Americans over the age of 50 accounted for nearly 50% of all fraud reports in 2023 [*].
Older Americans are consistently among the most at-risk populations when it comes to fraud — and can benefit greatly from identity theft protection plans offered by companies like LifeLock.
LifeLock recently stopped offering its dedicated LifeLock Seniors plan — leaving older Americans to pay full price, or opt for the slightly discounted (but limited) option available to AARP members.
Without a dedicated plan for older Americans, the current cost of LifeLock for seniors may not make sense for those looking for affordable protection against fraud and identity theft.
In this guide, we’ll give you an honest review of LifeLock, describing the features and benefits for seniors, and how the platform compares to other modern alternatives, like Aura.
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LifeLock for Seniors: Best Features and How It Keeps You Safe
With over 80 million users across 150 countries, LifeLock has been a key player in the identity theft protection market for almost 20 years. The company’s plans range from basic identity monitoring to credit protection, digital security (powered by Norton), and generous identity theft insurance coverage.
In the last decade, however, LifeLock’s reputation has taken a hit — including a $100 million FTC fine for failing to secure user data [*] as well as a recent credential stuffing attack that compromised the passwords of close to one million LifeLock users [*].
Another downside is the lack of a dedicated product made for seniors.
Since discontinuing the LifeLock Seniors plan, older Americans now need to choose one of LifeLock’s more expensive plans.
Issues aside, LifeLock still provides a high level of protection for seniors and younger Americans alike.
Here are eight of LifeLock’s main features for seniors:
- LifeLock Identity Alert system. LifeLock's identity theft protection engine monitors your most sensitive information and alerts you if your Social Security number (SSN), name, address, or date of birth are used in some credit and service applications. You’ll also receive alerts about unrequested address changes from the United States Postal Service (USPS), as well as if your name appears in public records or the sex offender registry.
- Credit monitoring (one or three bureaus). All LifeLock plans include credit monitoring with Equifax. But you'll need to pay more to keep tabs on your credit reports at all three major credit bureaus — Equifax, Experian, and TransUnion.
- Credit reports and score updates. LifeLock offers monthly one-bureau credit score tracking (based on Equifax data). Members can stay informed about new accounts and credit inquiries on their reports, which helps detect early signs of fraud.
- Financial account activity alerts. You can monitor your credit card, 401(k), checking, and savings accounts and receive notifications about cash withdrawals, balance transfers, changes in recurring charges, and large purchases.
- Up to $3 million in identity theft insurance. If you become a victim of identity theft, LifeLock’s ID theft insurance will cover eligible costs, including lawyer fees, stolen funds reimbursement, and personal expense compensation.
- Home title monitoring. If there is any unauthorized access to your property deeds or changes made to your title documents, you can get alerts about the activity.
- Antivirus and VPN. A reliable virtual private network (VPN) can encrypt your online activity to make browsing, shopping, and banking safer — even on public Wi-Fi. With the Norton 360 bundle, LifeLock's antivirus software protects your phones, tablets, and computers from hackers, malware, and other malicious software.
- Parental controls. These features include content filters and website blockers to ensure that your children aren’t exposed to explicit content and interactions with online predators, scammers, or cyberbullies. Parental controls are only available with Norton 360.
How Much Does LifeLock Cost For Seniors?
Compared to the best identity theft protection for seniors, LifeLock’s pricing and plan structure can be confusing.
New users choose between three levels of protection, whether or not to bundle LifeLock with Norton 360 for device and data protection, and how many people they want to protect. Lastly, you can choose to pay monthly or get a slight discount by paying for the full year upfront.
Here’s a breakdown of the best LifeLock plans for seniors, with pricing as of March 2024:
AARP members can also get a discounted version of LifeLock that includes many — but not all — of the features on a regular plan. Most noticeably absent from the AARP plans are three-bureau credit monitoring and LifeLock’s $3 million insurance policy.
Regardless of which plan you pick, LifeLock’s pricing increases significantly after the first year — by over 50% in some cases. You must keep this in mind when considering whether you are getting protection that is worth the money.
How Much Does LifeLock Cost After Your First Year?
LifeLock’s family plan starts at $35.99/month or $221.87/year for basic identity monitoring only [*]. However, after your first year of service, your LifeLock annual plan will increase in cost anywhere from 30 to 50% or more.
Let’s take a closer look at LifeLock’s price increases:
Plan
Year 1 Cost
Year 2+ Cost
LifeLock Select with Norton 360
$99.48/year
$149.99/year (a 50% increase)
LifeLock Advantage with Norton 360
$191.88/year
$249.99/year (a 30% increase)
LifeLock Ultimate Plus with Norton 360
$299.88/year
$349.99/year (a 17% increase)
What Are the Downsides of Using LifeLock?
Compared to other identity theft protection services, LifeLock is more expensive. This wouldn’t necessarily be an issue if the service and platform features were worth it. But despite its reputation as a market leader, LifeLock has some significant shortcomings that undermine the price tag.
Before buying, consider these drawbacks of LifeLock:
- Security and privacy concerns. LifeLock has faced backlash in recent years over security breaches, failure to secure customer data, and questionable choices (such as auto-installing cryptocurrency mining software on customers’ devices [*]).
- Sky-high renewal rates after your first year. LifeLock is one of the most expensive products on the market. The first-year promotional prices are tempting, but these plans increase by 30-45% or more when you renew.
- Only one-bureau credit monitoring on most plans. If you want comprehensive coverage, it'll cost you more — three-bureau monitoring is only available on the most expensive price plan.
- Not designed for protecting older family members. LifeLock’s family plans only cover two adults (in the same household) — making it an impractical choice for protecting grandparents and older family members. In contrast, Aura’s family plans cover up to five adults (and unlimited children) in different households.
- Limited insurance coverage (compared to other services). The lower-tier plans offer limited insurance and reimbursement in the event of fraud. If thieves steal more than $25,000, you could be left with little support.
- No automatic data broker opt-outs. LifeLock’s Privacy Monitor scans several dozen data broker sites for your personal information. But you must lodge opt-out requests yourself. LifeLock won’t handle removals automatically unless you pay for the Privacy Monitor Assistant, a separate subscription at $129.99 per year [*].
- Lack of suspicious transaction alerts. Identity thieves can strike in many ways, such as targeting you via your lost driver's license or a data breach. If you don't have a monitoring service with reliable data breach notifications, you might fall victim to a bank account takeover without knowing it has happened. Some LifeLock customers report that LifeLock often doesn't alert them until weeks or months after the fraud has occurred [*].
- Poor customer support. A lot of LifeLock customers vent their frustrations about the substandard support. In customer reviews, there are many complaints about long waiting times, misleading information, and broken systems that could potentially put your identity at risk [*].
Why You Should Consider Aura as a LifeLock Alternative
Plenty of LifeLock alternatives offer similar or better protection without the downsides or sky-high price increases.
While Aura is a relatively new player in the market, it has been rated #1 by Money.com, TechRadar, and USNews.com for its modern take on identity protection.
Aura’s all-in-one digital security platform includes a host of added protections, including the AI spam call blocker and wallet protection.
Another big plus is that Aura’s family plans include up to five adults (versus LifeLock’s two), which lets you cover parents, grandparents, or grown kids who live in different households.
Let’s compare Aura and LifeLock head to head:
Still wondering if LifeLock is worth the cost for seniors? Here are a few reasons why Aura is a better option than LifeLock:
- Faster fraud alerts. Aura not only monitors your credit and financial accounts, but will also alert you to credit and identity fraud or suspicious activity faster than any other service. According to a 2022 mystery shopper survey, Aura's credit fraud alerts were up to 250 times faster than competitors [*].
- AI-powered digital security features. Phone scammers use phishing and smishing attacks to steal money or personal data. Aura keeps you safe with an AI-powered Call Assistant that screens calls and blocks spam messages.
- Better support (that’s available when you need it). Aura offers some of the best support in the industry, with 24/7 access to identity restoration specialists who can help you handle issues with creditors, vendors, banks, and government agencies.
- More comprehensive family protection with more insurance coverage. If the worst should happen, each adult member on an Aura plan is covered by up to $1,000,000 for eligible losses due to identity theft (giving your family up to $5,000,000 in coverage).
- Better value for more features. Aura keeps your entire family safe by monitoring the SSNs and credit files of your children and elderly family members. The platform also offers parental controls to protect your kids from online threats and predators. This level of protection isn’t available with LifeLock, even if you pay for the highest-priced plan.
💡Related: Aura vs. LifeLock Comparison: 2024 Showdown →
How to cancel your LifeLock plan
LifeLock is billed monthly, so you can cancel at any time without being charged for the remaining months of your plan.
Here’s how to cancel LifeLock:
- Log in to your LifeLock account via the online portal to submit a cancellation request.
- Contact Member Services & Support to speak with someone in customer support.
Once you cancel, you’ll no longer be charged for the service. Your protection will continue for the remaining days of your existing term. You may also be eligible for a refund in accordance with LifeLock’s refund policy.
The Bottom Line: Is LifeLock’s Cost for Seniors Worth It?
LifeLock is a household name in identity theft protection, but it might not be the best option for seniors and families.
The reports of poor customer service and high prices are a real concern for seniors. Even if you can afford it and are tech-savvy, the reality is that LifeLock doesn’t offer strong enough protection for its cost.
Aura doesn’t just offer more value for your money — it is the best identity theft protection for seniors in 2024. Aura’s award-winning platform includes Dark Web monitoring, three-bureau credit monitoring, and the fastest and most reliable alerts. You can safeguard your entire family with easy-to-use internet security tools, including a VPN, antivirus software, and a password manager.
You’ll also enjoy greater peace of mind knowing that Aura has your back with up to $1 million in identity theft insurance coverage for each adult on your plan — and 24/7 support from Aura’s U.S.-based White Glove Fraud Resolution team.
Get award-winning protection against fraud and scams. Try Aura free for 14 days.
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