To keep the lights on, we receive affiliate commissions via some of our links. Our review process.
We put our identities at risk with each online profile we create, every service we sign up for, and all the smart gadgets we buy. Technology is evolving, and as it does, our personal information becomes more vulnerable. Protecting your identity isn’t an option—it’s a must. We bring you our expert reviews of the top identity theft protection services.
| Winner | Runner Up | Third Place |
|---|---|---|
 |  |  |
| Visit Website | Visit Website | Visit Website |
| Read Review | Read Review | Read Review |
Criteria For Identity Theft Protection
The best way to avoid becoming a victim of identity theft is to stop it before it starts by proactively having a service monitor it for you. ID theft protection services not only alert you when something suspicious happens, but several will also help you recover if your identity is stolen, including reimbursement for any losses.
Before jumping into the company reviews, here are some essential details we considered in conducting our reviews. We chose the best identity theft protection based on the following six criteria:
1. Monitoring Coverage
What Is Credit Monitoring?
4 Instances In Which A Credit Monitoring Service Will Alert You
- Your credit limit changes
- Your personal information changes (name, address, phone number, etc.)
- A new loan or credit account showing on your credit reports
- A debt collector saying your payment is late
What Is Identity Monitoring?
7 Instances In Which A Identity Monitoring Service Will Alert You
- Payday loan applications
- Check cashing requests
- Social media
- The Dark Web
- A change of address request
- Orders for new utility services
- Court or arrest records
2. Recovery Service
In the event of identity theft, a recovery service will help you repair damages to your identity and credit records. They may contact creditors and debt collectors, place a freeze on your credit report, and guide you through any other necessary steps for recovery.
3. Identity Theft Insurance
Identity theft insurance covers out-of-pocket expenses associated with reclaiming your identity, legal fees, and lost wages. While identity theft insurance may not reimburse you for the money you lost, it prevents you from losing additional money during recovery.
4. Family/Child Protection
Buying multiple individual plans can get expensive, so we check for family plan offering child identity theft protection. Companies may offer parental controls, including mobile device management, screen time limits, content blocking and filtering, and internet usage tracking.
5. Customer Service & Reputation
Customer service is directly linked to a company’s reputation. We scoured the internet for reviews on each company and checked for Better Business Bureau (BBB) accreditation.
6. Pricing
The identity theft protection services we reviewed range from about $6 to $35 monthly. Pricing varies based on services offered and number of people covered.
Best Identity Theft Protection
While you can take steps to prevent identity theft without paying for a protection service, these services ensure speedy discovery and recovery from identity theft.
Winner: IDShield Review
IDShield, a LegalShield product, offers one of the most comprehensive identity theft monitoring and resolution services for individuals and families of up to 10 people. Where most identity theft companies provide only select monitoring services based on your plan’s tier, all IDShield plans have the same features. Services include usual protections—SSN monitoring, public records monitoring, medical data reports, lost/stolen wallet assistance, and identity threat alerts—as well as “top-tier” services such as social media account monitoring, data breach notifications, and continuous credit monitoring.
IDShield’s restoration services are unsurpassed in the industry. The company uses licensed private investigators, who do all the legwork for you to restore your name, and it’s backed by $1 million insurance to prevent additional damage to your finances and reputation.
5 Key Benefits
- Identity monitoring, credit monitoring, and social media monitoring
- Extra services such as sex offender monitoring, minor child monitoring, and identity insights and tips are included with all plans
- Identity recovery assistance with unlimited consultations and 24/7 emergency assistance
- Licensed investigators for identity theft restoration
- Offers virtual private network (VPN) protection, password management, data encryption, and other additional protections for cybersecurity and device protection
Our Personal Experience With ID Shield
I used IDShield for a period of time. I was happy with how affordable it was to monitor my entire family’s credentials. During the same time, my husband had a free year of another ID protection service, and he would get sex offender alerts more timely than I would with IDShield. While I used IDShield, I would have to reconnect my social media accounts frequently, which was frustrating. Otherwise, it did a great job monitoring my financial information and other personal details.
Kimberly Alt, ID Shield Customer & Safe Smart Living Editor
| Pros | Cons |
|---|---|
| 3-Bureau credit monitoring | No free trial |
| Dark web monitoring | |
| Family plans available (up to 10 people) | |
| Offers $1 million insurance | |
| Licensed private investigators for identity restoration | |
| Free mobile app | |
| The parent company is A+ BBB rated | |
| 24/7 emergency support |
Pricing
IDShield gives you a choice between one or three credit bureau monitoring. Most credit report changes should appear at all bureaus, so this is a good money-saving option.
| Individual Plan | $14.95/month (1 bureau); $19.95/month (3 bureaus) |
| Family Plan | $29.95/month (1 bureau); $34.95/month (3 bureaus) |
In-Depth Review Of ID Shield
Runner-Up: IdentityForce Review
IdentityForce—our runner-up for the best identity theft protection provider—offers two robust tiers of identity protection. The standard plan offers all the identity monitoring services you would expect, including SSN tracking, bank and credit card activity alerts, change of address monitoring, and identity threat alerts. IdentityForce’s basic plan includes premium and unique features like social media monitoring, junk mail opt-out, and online protection tools (anti-phishing, anti-keylogging, etc.).
The higher-tier plan, called UltraSecure+ Credit, features three-bureau credit monitoring, credit reports and scores, and a credit simulator that helps you see how financial decisions may affect your credit score. It also includes other additional features. Standouts include a Dark Web data analysis to determine your risk of having your data compromised; access to a secure VPN; and stolen funds replacement, where you have coverage up to $1 million for money stolen due to identity theft.
IdentityForce also offers a family plan with ChildWatch, focusing on child ID protection. Family plans include two adults and unlimited children. Smaller families can add child identity theft protection for $2.75 monthly per child to any plan.
5 Key Benefits
- Identity monitoring and social media monitoring for basic plans. Credit monitoring from all three bureaus with premium plans.
- Includes PC protection tools to prevent phishing attacks and stop malware
- Two-factor authentication used a sign-in
- Investment account alerts and financial advice with UltraSecure+Credit plan
- Identity theft insurance and identity restoration support with all plans. Offers stolen fund replacement up to $1 million (UltraSecure+Credit only)
Our Personal Experience With Identity Force
When I lost my wallet including my ID, Identity Force was quick to help me out with putting a security check on my Identity that way if anyone tried to apply for a credit card, the credit company must call my cell phone to verify via voice before approving. They also helped cover the cost of a replacement wallet and ID.
Sadie Cornelius, Identity Force Customer & Safe Smart Living Editor
| Pros | Cons |
|---|---|
| 3-Bureau credit monitoring | Must upgrade plan for credit report/score monitoring |
| Dark web monitoring | More expensive than some plans |
| Family plan available | Information on UltraSecure plan is hard to locate |
| $1 million insurance protection | |
| Fully managed recovery support | |
| Mobile app | |
| A+ BBB rating | |
| 24/7 phone support and live chat and email from 8am-8pm, plus FAQs | |
| 30-Day Free Trial |
Pricing
You can test out IdentityForce by signing up for its 14-day free trial.
| UltraSecure | $17.99/month or $179.90/year Discount for our Readers: $14.99/month or $149.90/year |
| UltraSecure+Credit Individual | $23.99/month or $239.90/year Discount for our Readers: $19.99/month or $199.90/year |
| UltraSecure+Credit Family | $35.90/month or $359.00/year |
In-Depth Review Of IdentityForce
3rd Place: Identity Guard® Review
Identity Guard® uses IBM Watson artificial intelligence to constantly scan your data for compromise, allowing the company to alert you quickly, which should allow you to minimize damages. If your identity is stolen, Identity Guard® will help pay to recover it no matter how it happened (even if it wasn’t the service’s fault). And when you call in, you will be assigned a dedicated case manager so you are speaking with the same person every time so you don’t have to re-explain your issue repeatedly.
Identity Guard® offers three different plans with varying features and price points. All plans include basic identity protection and online security features, such as Dark Web monitoring, data breach notifications, and $1 million identity theft insurance. The mid-tier plan adds credit protection, with three-bureau credit monitoring and a monthly credit score from Equifax. The premium plan adds more identity protection support and includes a three-bureau annual credit report and Experian credit lock.
5 Key Benefits
- Identity monitoring for all plans. Credit monitoring from all three bureaus with Total and Ultra plans
- Use Watson AI constant scan technology to protect your data
- Up to $1 million stolen funds reimbursement
- Premium identity protection includes 401K and investment monitoring; criminal and sex offense monitoring; address change and home title monitoring; and credit and debit card monitoring.
- All plans include safe browsing tools and a password manager
| Pros | Cons |
|---|---|
| 3-Bureau credit monitoring | They don’t send fraud alerts to credit bureaus |
| Dark web monitoring | Does not monitor sex offenders |
| Family plans available (5 adults, unlimited kids) | No free trial |
| $1 million in identity theft insurance | |
| Powered by AI | |
| Budget-friendly options | |
| A+ BBB rating (been BBB accredited since 1996) | |
| 24/7 phone support for those who have lost or had their credit cards stolen |
Pricing
| Value (individual) | $8.99/month |
| Total (individual) | $19.99/month |
| Ultra (individual) | $29.99/month |
| Value (family) | $14.99/month |
| Total (family) | $29.99/month |
| Ultra (family) | $39.99/month |
All plans offer 40 percent off for choosing an annual contract.
In-Depth Review Of Identity Guard®
Comparison Table
All companies below monitor SSNs and address changes and offer recovery assistance.
| 1st: IDShield | 2nd: Identity Force | 3rd: Identity Guard® | Aura | Complete ID | Equifax | Experian IdentityWorks | ID Watchdog | Lifelock | Privacy Guard | ReliaShield | Zander | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Lowest Price/Month | $14.95 | $23.99 | $5.39 | $12 | $8.99 | $16.95 | $9.99 | $14.95 | $8.99 | $9.99 | $7.99 | $6.75 |
| Family Plan |  | | | | Option to add-on child | | | Option to add-on child | | | | |
| Free Trial | 14 Days | 14 Days | 7 Days | 30 Days | $1 for 14 Days | |||||||
| Monitors Bank Accounts | | | | | | | | | | | | |
| Monitors Credit Cards | | | | | | | | | | | ||
| Monitors Loans | | | | | | | | | | |||
| Monitors Insurance | | | | | | | Must Request | |||||
| Monitors Medical Records | | | | | | | Must Request | | ||||
| Monitors Driver’s License | | | | | | | | | | Must Request | | |
| Monitors Public Records | | | | | | | | | | | ||
| Monitors Criminal Records | | | | | | | | | ||||
| Monitors Sex Offenders | | | | | | | | |||||
| Monitors Email | | | | | | | ||||||
| Fully Managed Restoration Service | | | | | | | | | | |||
| Lost/Stolen Wallet Assistance | | | | | | | | | | | ||
| ID Theft Insurance | $1 Million | $1 Million | $1 Million | $5 Million | $1 Million | $1 Million | $1 Million | $1 Million | $3 Million | $1 Million | $1 Million | $1 Million |
| Credit Reports/Scores | All 3 Bureaus | All 3 Bureaus | All 3 Bureaus | All 3 Bureaus | All 3 Bureaus | All 3 Bureaus | All 3 Bureaus | All 3 Bureaus | All 3 Bureaus | All 3 Bureaus | All 3 Bureaus | |
| 1st: IDShield | 2nd: Identity Force | 3rd: Identity Guard® | Aura | Complete ID | Equifax ID Patrol | Experian IdentityWorks | ID Watchdog | Lifelock | Privacy Guard | ReliaShield | Zander |
10 More Companies Reviewed (A – Z)
Here are the companies that didn’t make our top 3 this year. As you’ll note, in a few cases, our research revealed the services to be so unreliable that we recommend you steer clear of them.
Aura | Complete ID | Equifax Complete Premier | Experian Identity Works | ID Watchdog | LifeLock | Privacy Guard | ReliaShield | Zander
Aura Review
Despite being a newer name in the industry, Aura has established itself as a juggernaut in identity theft protection by offering a wide range of services at reasonable prices. All plans include antivirus, VPN, safe browsing, and a password manager, which adds additional value. Aura’s family plans include various protections for children, including cyberbullying alerts for safe gaming. Aura also tops the charts for identity theft insurance, with $5 million ID insurance for family plans.
Benefits Include:
- Identity protection services: SSS and personal information monitoring, home and auto title monitoring, criminal and court records monitoring, identity verification monitoring, bank fraud monitoring, investment account monitoring, and account breach alerts
- Credit monitoring services: three-bureau credit monitoring, credit lock, monthly credit score, and annual credit reports
- Online and device security: antivirus, VPN, vault file storage, safe browsing to prevent phishing and other scams, password manager, privacy assistant, email alias, and spam call and message protection
- Family protection: parental controls, safe gaming with alerts, fraud alerts sharing, child SSN monitoring, child three-bureau credit freeze, and sex offender geo-alerts
- 60-day money-back guarantee on annual plans
| Pros | Cons |
|---|---|
| 3-Bureau credit monitoring | Subpar android app |
| Dark web monitoring | Data may be used by Five Eyes intelligence agencies |
| Family plans available | |
| Up to $5 million identity theft insurance | |
| “White glove” fraud resolution | |
| Mobile app | |
| 14-day free trial | |
| A+ BBB rating and accredited | |
| 24/7/365 customer support |
Pricing
| Individual | $12/month |
| Couple | $22/month |
| Family (5 adults, unlimited kids) | $37/month |
Complete ID Review
Complete ID is an Experian identity theft protection service sold through Costco. It offers basic monitoring services—including identity and credit—and $1 million identity theft insurance. All plans offer the same services, covering single individuals to families with up to five children.
Benefits Include:
- Identity protection services: SSN monitoring, sex offender monitoring, alternative loan monitoring, criminal record monitoring, and mail change alerts
- Credit monitoring services: three-bureau credit monitoring and annual report, monthly Vantagescore® credit update, credit alerts, and Experian credit lock
- Restoration services, including a designated restoration specialist and $1 million ID Theft Insurance
- Lost Wallet Replacement Assistance (Learn what to do if you lose your wallet)
- Digital privacy support (secure VPN, password manager, and safe browser apps for desktop and mobile)
Unfortunately, we’ve found too many complaints about customers not being able to access their system or reach anyone in customer service to recommend them at this time.
| Pros | Cons |
|---|---|
| 3-Bureau credit monitoring | Must be a Costco member |
| Dark web monitoring | Many consumer complaints about poor or non-existent customer support |
| Child add-on plan | Not BBB accredited |
| $1 million identity theft insurance | |
| Detects the use of personal information to apply for a line of credit, utilities, cell phone plans, etc. | |
| Mobile app | |
| 24/7 customer support |
Pricing
| One Adult | $8.99/month (executive members) $13.99/month (business and gold star members) |
| One Adult + Children (up to 5 children) | $11.98 (executive members) $17.98/month (business and gold star members) |
| Two Adults | $15.99/month (executive members) $25.99/month (business and gold star members) |
| Two Adults + Children (up to 5 children) | $18.99/month (executive members) $29.99/month (business and gold star members) |
In-Depth Review Of Complete ID
Equifax Complete Premier Review
Equifax offers three plans for credit monitoring and identity protection. All tiers include three-bureau credit file monitoring, basic identity protection monitoring, fraud alerts, lost wallet assistance, identity theft insurance, and stolen funds replacement up to $1 million. The mid-tier and premium-tier plans add annual three-bureau credit scores, Vantagescore® credit score updates, and identity restoration.
Benefits Include:
- Identity protection services: SSN monitoring, credit card and bank monitoring, and medical ID monitoring
- Credit monitoring services: three-bureau credit monitoring and annual report, monthly Vantagescore® (Equifax Complete plans), credit alerts, and Experian credit lock
- Alert when someone attempts to access a locked credit report
- Stolen funds replacement for all plans
- Family plan featuring credit monitoring, SSN monitoring, ID restoration, and up to $1 million ID theft insurance
| Pros | Cons |
|---|---|
| 3-Bureau credit monitoring | Poor customer service reputation |
| Dark web monitoring | Limited recovery services |
| Family Plan that includes up to 2 adults and 4 children | Some customers have been charged after they cancel |
| $1 million identity theft insurance with all plans | Doesn’t monitor public records |
| Monitors your social security number, credit cards, bank accounts, and medical ID numbers | Only get 3-bureau credit scores and reports once a year |
Pricing
| ID Patrol (individual) | $16.95/month |
| Complete Premiere (individual) | $19.95/month |
| Complete Family Plan (2 adults, 4 children) | $29.95/month |
In-Depth Review Of Equifax
Experian IdentityWorks Review
Experian is one of the three main credit bureaus, and its IdentityWorks product offers a solid set of identity theft monitoring features and excellent credit monitoring. Its family plans cover up to 10 children, making it a cost-effective option for large families. If you need ID theft recovery assistance, you get a dedicated fraud specialist, but it doesn’t do all the work for you like some other companies.
Benefits Include:
- Free plan available with Experian credit monitoring and alerts, as well as a dark web surveillance report and personal privacy scan
- Identity protection services: SSN monitoring, loan application monitoring, change of address alerts, social media monitoring, sex offender registry alerts, court record monitoring, and identity validation alerts
- Credit monitoring services: three-bureau credit monitoring and alerts, three-bureau credit reports, and quarterly FICO® scores. Daily Experian FICO® scores and Experial CreditLock with alerts
- Restoration services include fraud resolution support, up to $1 million identity theft insurance, and lost wallet assistance
- Family plan includes one additional adult and up to 10 children
| Pros | Cons |
|---|---|
| 3-Bureau credit monitoring and reporting | Does not monitor your driver’s license or email |
| Dark web monitoring | Must upgrade plans for 3-bureau credit scores, bank account and credit card coverage |
| $1 million in identity theft insurance | Doesn’t offer fully managed recovery support |
| Excellent credit monitoring | Not BBB accredited (but consumer rating of A-) |
| Family plans available for up to 10 people | |
| 24/7 phone support for those who have lost or had their credit cards stolen | |
| 7-day free trial |
Pricing
| Basic | Free |
| Premium | $24.99/month |
| Family (2 adults and up to 10 children) | $34.99/month |
Experian IdentityWorks offers a 7-day free trial.
ID Watchdog Review
ID Watchdog offers relatively basic monitoring services for identity theft protection. Its strength lies in its resolution services, which get top consumer reviews. It has a 100% resolution guarantee and also provides identity theft insurance. You can also add child protection to an adult plan.
Benefits Include:
- Introductory plan features Dark Web monitoring for SSN, credit card, bank account, email address, driver’s license, and more. Also included is one-bureau credit monitoring and fully-managed identity resolution
- Premium plan includes extra financial, social media, and credit support monitoring, as well as a secure VPN, safe browsing, and a password manager.
- All plans include up to $1 million in identity theft insurance
- 401K/HSA stolen funds reimbursement with ID Watchdog Premium
- Customizable alert options let you choose between phone, email, text, or mobile app notifications. Family plans can also share alerts with other adult plan members
| Pros | Cons |
|---|---|
| 3-Bureau credit reports and scores with premium plan | Doesn’t monitor credit card or banking transactions |
| Dark web monitoring | No lost wallet assistance |
| Family plan available | Must pay extra for credit reports/scores and monitoring from all 3 bureaus |
| $1 million ID theft insurance | |
| 100% Identity Theft Resolution guarantee with fully managed recovery support | |
| Mobile app | |
| 24/7/365 email and phone support | |
| A+ BBB rating |
Pricing
| Select (individual) | $14.95/month or $150/year |
| Premium (individual) | $21.95/month or $220/year |
| Select (family) | $23.95/month or $240/year |
| Premium (family) | $34.95/month or $350/year |
LifeLock Review
Owned by computer security company Norton, LifeLock is best known for its combination of identity theft protection and device protection. LifeLock offers several different plans for you to choose from, but to get the same coverage you’ll get from IdentityForce and Identity Guard®, you’ll end up paying more. LifeLock is the only company on our list to offer up to $3 million in coverage, including $1 million each for reimbursements, expense compensation, and lawyers and experts.
Benefits Include:
- Identity and social security alerts for all plans
- One-bureau credit monitoring with Standard and Advantage plans; three-bureau credit monitoring with Ultimate Plus plan
- Device protections include a VPN, password manager, antivirus, and more
- Extra services with the top-tier plan: credit reports and scores, investment account monitoring, home title monitoring, and social media monitoring
- Stolen funds reimbursement up to $1 million
Our Personal Experience With LifeLock
I’ve had Lifelock since before they were acquired by Norton. They’ve consistently added new, useful features (such as a payday loan lock the last time I logged in – preventing these accounts from being opened in your name). The couple occasions where I’ve had to call into for support, they were helpful (although the issue I had with a fraudulent account being opened in my name (AT&T wireless) I ended up resolving myself due to delays between calls).
I love that I get dark web alerts (when my personal information is used to open accounts or if a login I have is compromised) so I can take swift action. It’s easy to manage my credit files and lock/freeze them, and I’m able to monitor my credit cards, emails, addresses, etc. for fraudulent activity.
Alex Schenker, Editor, Safe Smart Living
| Pros | Cons |
|---|---|
| 3-Bureau credit monitoring (Ultimate Plus plan) | Delay on notifications for credit reports |
| Dark web monitoring | Does not monitor email |
| Various family plans | Does not monitor all transactions at all businesses |
| Up to $3 million in coverage | Must upgrade plans for bank account coverage and credit report/score monitoring |
| A- BBB rating | |
| 30-day free trial | |
| 24/7 support monitors websites to make sure your credentials are not for sale | |
| Offers more coverage than some other competitors |
Pricing
| Standard (individual) | $8.99/month for first year (renews at $11.99/month) $89.99/year (renews at $124.99/year) |
| Advantage (individual) | $17.99/month for first year (renews at $22.99/month) $179.88/year (renews at $239.99/year) |
| Ultimate Plus (individual) | $23.99/month for first year (renews at $34.99/month) $239.88/year (renews at $339.99) |
| Standard Family (2 adults) | $14.99/month for first year (renews at $23.99/month) $149.87/year (renews at $249.99/year) |
| Advantage Family (2 adults) | $28.99/month for first year (renews at $45.99/month) $287.88/year (renews at $479.99/year) |
| Standard For Family with Kids (2 adults + 5 kids) | $21.99/month for first year (renews at $35.99/month) $221.87/year (renews at $359.99/year) |
| Advantage For Family with Kids (2 adults + 5 kids) | $35.99/month for first year (renews at $57.99/month $359.88/year (renews at $579.99/year) |
| Ultimate Plus For Family with Kids (2 adults + 5 kids) | $46.99/month for first year (renews at $79.99/month) $467.88/year (renews at $799.99/year) |
In-Depth Review Of LifeLock
PrivacyGuard Review
PrivacyGuard offers three different identity theft protection plans. Its highest plan, for $24.99/month, has a decent combination of credit and identity monitoring, although its credit monitoring is more robust. It also offers identity theft insurance and dedicated resolution services; however, all the reports of poor customer service and billing problems give us pause in recommending this company.
Benefits Include:
- Identity protection services: SSN monitoring; driver’s license and passport monitoring; bank account monitoring; USPS address change verification; email, phone, name, and DOB monitoring; and public records monitoring
- Credit monitoring services: 24/7 three-bureau credit monitoring, monthly credit score tracking, monthly three-bureau credit reports and scores, and credit information hotline
- All plans include secure browsing and a dedicated ID fraud resolution agent
- Total Protection includes public records monitoring, children’s social security number monitoring, neighborhood reports, and emergency travel assistance
| Pros | Cons |
|---|---|
| 3-Bureau credit monitoring | No family or child plan |
| Dark web monitoring | No social media monitoring |
| $1 million ID theft insurance | Not BBB accredited |
| Fully managed recovery support w/ 24-hour hotline | |
| Try it for 14 days for $1 | |
| Mobile app | |
| FAQs, email, and phone support |
Pricing
| Identity Protection | $9.99/month |
| Credit Protection | $19.99/month |
| Total Protection | $24.99/month |
PrivacyGuard gives you a 14-day trial for $1.
ReliaShield Review
ReliaShield’s identity theft protection service boasts monitoring for nearly everything our top winners cover, a fully-managed restoration service with a dedicated ID theft specialist, and $1 million insurance for stolen funds and reimbursement. And their cost is among the lowest you can find. To reduce costs, ReliaShield does not provide credit reports; however, it reminds customers to check free credit reports.
Benefits Include:
- Identity protection services: All plans include SSN monitoring, change of address monitoring, court records monitoring, and data breach updates. Higher-tier plans include social media monitoring, loan monitoring, neighborhood predator monitoring, and more
- Credit monitoring services: three-bureau credit monitoring and monthly credit score tracking
- Unlimited restoration services
- Wallet Protection terminates and re-orders wallet contents when wallet is lost or stolen
- Family plans include free coverage for all children under 18 years old
| Pros | Cons |
|---|---|
| 3-Bureau credit monitoring | Doesn’t monitor medical records |
| Dark web monitoring | Doesn’t include internet security software |
| Very affordable individual and family plans | Very little customer feedback online |
| Offers a $1 million stolen funds and reimbursement protection | |
| Fully managed recovery support with a dedicated specialist | |
| A+ BBB rating and accredited | |
| 24/7/365 emergency support |
Pricing
| Essential (individual) | $7.99/month |
| Prime (individual) | $14.99/month |
| Elite (individual) | $21.99/month |
| Essential (family) | $14.99/month |
| Prime (family) | $24.99/month |
| Elite (family) | $24.99/month |
Zander Review
Zander Insurance provides excellent full recovery services with certified specialists and a total of $1 million in insurance for a fraction of what you pay for other companies. It also monitors your basic personal information, including bank accounts and credit cards. Zander falls short in other features, namely, no credit bureau or personal/criminal monitoring. If you’re mainly concerned about assistance after a fraudulent event, it comes highly recommended by many consumers.
Benefits Include:
- Monitors driver’s license, SSN, medical insurance ID, change of address, bank accounts, and credit cards
- Full recovery services, including $1 million reimbursement & stolen funds insurance for individual plans and $2 million for family plans
- Lost or stolen wallet assistance
- Endorsed by personal finance guide Dave Ramsey
| Pros | Cons |
|---|---|
| Dark web monitoring | No social media monitoring |
| Offers $1 million stolen funds protection | Doesn’t monitor credit bureaus or provide credit scores |
| Monitors your driver’s license, bank accounts, credit cards, email and more | Doesn’t monitor public or criminal records |
| Sends fraud alerts to your smartphone and email | No sex offender search |
| Provides fully managed restoration services with certified ID theft specialists | Limited mobile app |
| Offers a family plan | |
| 24/7/365 customer support | |
| A+ BBB rated and accredited |
Pricing
| Individual Essential Plan | $6.75/month; $75/year |
| Individual Elite Cyber Bundle | $9.99/month; $110/year |
| Family Plan | $12.90/month; $145/year |
| Family Essential Plan | $12.90/month; $145/year |
| Family Cyber Bundle | $19.49/month; $215/year |
More Ways To Protect Yourself
If there’s one thing you take from this article, we hope it’s that you realize the threat of identity theft is serious. It’s not an easy mess to clean up, and taking proactive steps to monitor you and your family’s identities is the best way to protect yourselves.
See our comprehensive guide on identity theft to learn more about ID theft statistics, credit monitoring, and other ways to safeguard your identity. For more tips to help you get protected online, read our guide on cybercrime prevention.
Identity Guard® Disclosures
*The score you receive with Identity Guard is provided for educational purposes to help you understand your credit. It is calculated using the information contained in your TransUnion credit file. Lenders use many different credit scoring systems, and the score you receive with Identity Guard is not the same score used by lenders to evaluate your credit.
**Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group‚ Inc. The description herein is a summary and intended for informational purposes only and does not include all terms‚ conditions and exclusions of the policies described. Please refer to the actual policies for terms‚ conditions‚ and exclusions of coverage. Coverage may not be available in all jurisdictions.
***Your card will be charged either a monthly or annual fee, depending on the membership plan you choose. You may cancel your membership anytime simply by contacting us. If you do not cancel your membership within the trial period, your card will be charged either a monthly or annual fee, depending on the membership plan you choose. You may cancel your membership anytime simply by contacting us.
