Identity Guard

Identity Guard is a highly-rated provider that features various information monitoring and notification services, plus U.S.-based agents who resolve cases of identity theft.

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9.3
Grand Score
8
User Score
9.3
Grand Score
8
User Score
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Identity Guard provides a variety of credit, account, online and other types of monitoring services. This service is good for seniors who wish to protect their personal information and who would need help filing the necessary paperwork required to deal with identity theft. U.S.-based agents are available during business hours to assist with filing all the required documents to combat occurrences of identity theft. Identity Guard offers tools to protect one’s social media and online presence, and two of the three packages offered (Total Protection and Platinum) provide comprehensive credit review and monitoring.

Grandfolk Scoring
Price 9/10
Contract Obligation 10/10
Risk-free Trial Period 9/10
Cancellation Process 8/10
Fraud Detection 10/10
Internet Monitoring 10/10
Insurance 10/10
Credit Card Monitoring 10/10
Credit Score 8/10
Price
Monthly fee
$20-$25 per month
Contract Obligation
Commitment length
Monthly
Risk-free Trial Period
Trial period for refund
30-day free trial; payment information must be provided
Cancellation Process
Cancelation ease
Users can cancel accounts online
Fraud Detection
Detection availability
Yes
Internet Monitoring
Monitoring availability
Yes
Insurance
Coverage availability
Yes, $1 million identity theft insurance with stolen funds reimbursements
Credit Card Monitoring
Monitoring availability
Yes
Credit Score
Periodic review
Yes, in Total Protection and Platinum programs
Age Score:
10
50-64 Years
10
65-74 Years
9
75-84 Years
8
85-Older

Identity Guard may be a good option for a senior at any age because it does not require much effort from the subscriber besides the reading of occasional alerts and periodic review of the website. Services such as Identity Guard can be a good idea for seniors because as an age group they are frequently targeted by scams and fraud. With increasing age, the possibility of missing the signals of a potential threat can increase as well. However, seniors who are not computer-savvy may encounter difficulty navigating the internet-based platform of this service and staying on top of incoming alerts.

Health Score:
10
Poor Health
10
Fair Health
9
Good Health
8
Great Health

The health of the senior does not affect the value of the Identity Guard service because Identity Guard automatically reviews and monitors a wide range of sensitive personal information. In general, no involvement from the subscriber is required, except if that person chooses to install the online monitoring tools or to check the fraud/scam reports periodically. This service may be a good option for seniors in any health since they are frequently targeted by scams and the added stress of falling victim could be detrimental to their health.

Pros:

  • LifeLock offers LifeLock Senior, a plan designed specifically for seniors, which is pricier but provides many critical services targeted at their vulnerabilities, including their retirement accounts and home titles.
  • LifeLock Senior allows seniors to sign up with an adult child, under a special permission, so both receive alerts, and so the adult child can monitor the effective use of the service. 
  • LifeLock has a mobile app that enables users to receive notifications and alerts regarding their personal data security and privacy. They can also receive alerts by phone call or email.
  • LifeLock offers 24/7 customer service to help customers deal with identity theft occurrences quickly.
  • LifeLock plans include U.S.-based legal and restoration help if such help is necessary to resolve a case.
  • Consumers have reported satisfaction with the LifeLock service, particularly their interactions with customer service and the help they received in instances of identity theft.
     

Cons:

  • LifeLock does not have a family plan, so covering all family members could become an expensive proposition.
  • Consumers have complained that LifeLock requires users to enroll themselves, which could be problematic for seniors in poor health or without computer skills. This concern may have been resolved with the new senior service whereby seniors and an adult child are both linked to the senior’s account.
  • Consumers have complained that the signup process is long and the website is outdated.
  • Consumer Reports states that when LifeLock finds a user’s information on the ‘dark web,’ it simply notifies the user rather than taking action to delete the information it has located. If true, some of the advertised services may not be as effective as they seem.

Bottom Line:

LifeLock, and particularly LifeLock Senior, is an ideal plan for a senior because it provides services that would be useful to an older person who is frequently the target of identity theft and scammer activity. LifeLock also offers several other plans, including a plan for children, and has received many awards. LifeLock received the International Stevie Award in 2014 from the Eighth Annual International Business Awards and was named to the Online Trust Honor Roll in 2016 for its excellent privacy and security practices. For seniors looking for a comprehensive plan with many relevant features, LifeLock can provide the much sought-after peace of mind.

Frequently Asked Questions:

Does this company have a mobile app? LifeLock offers a mobile app on both the App Store for Apple iPhones and Google Play for Android devices.

What should I do if my personal information has been compromised or stolen?  Customer service agents are available 24/7 to assist subscribers with identity theft.

Does this company offer a free trial? LifeLock offers a 30-day free trial.

More Information:

Product Details

Overview: Identity Guard offers three identity monitoring plans, all of which include $1 million of insurance with stolen fund reimbursements to cover losses due to identity theft; credit monitoring from all three credit reporting bureaus; and monitoring of personal information on the ‘dark web.’

Package Details: 

Identity Guard with Watson uses smart algorithms to sort through information found on the web and monitor your social image on the internet. This level of the service uses IBM’s Watson and artificial intelligence (AI) technology to monitor news, research reports, social media and even your Facebook timeline to deliver personalized identity theft protection services. It also makes suggestions on how to improve your online and offline activity to be less likely to fall victim to identity theft. Identity Guard with Watson is available for a fee of $19.99/month.

Total Protection provides quarterly updates on credit reports and credit scores from all three reporting bureaus, as well as monitoring of social security number, public record, address and ‘dark-web’ activity. This plan also provides $1 million of insurance coverage for your losses, which includes stolen funds and expenses to restore your identity. Total Protection is available for a fee of $19.99/month.

Platinum provides all of the same services as Total Protection, plus monthly updates on credit report data and credit scores from all three credit reporting bureaus. Platinum is available for $24.99/month.


Additional Company Details

Contract Details: Customers can cancel their subscription at any time without fee or penalty; cancellations are processed at the end of the billing period so that users will retain access to their account for the remaining days of the billing period. Identity Guard does not issue partial refunds. To cancel the service, log into your account and visit the Settings page.

Warranty: Identify Guard offers a 30-day free trial. However, it offers no specific warranties, and its Service Terms of Use states, “The services are provided on an ‘as is’ basis only.” It also states, “Our total liability arising from or related to the service may never exceed the total amount paid by you for the service during the 12 months prior to the date your claim arises.”

Accreditations: While Identity Guard itself is not accredited by the Better Business Bureau, its parent company, Intersections, Inc., is BBB-accredited and has earned an A+ rating.

Company Details: Identity Guard was founded in 2001 by Intersections, Inc., in Chantilly, VA. Today, Identity Guard has 500 employees and has helped protect the identity of over 47 million people.

Contact:

Identity Guard
3901 Stonecroft Boulevard
Chantilly, VA 20151
Phone: 703-488-6100
Website: http://www.identityguard.com 
Email: customersupport@identityguard.com 

 

Sheeva Azma - Senior Advisor

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