Best Identity Theft Protection in 2025

Viewing our LifeLock Credit Lock settings

• Starting price: $11.99 per month
• Dark web monitoring: Yes
• Credit reporting: Yes
• Maximum coverage amount: Up to $3 million
• Free trial: 30-day free trial
• Money-back guarantee: 60-day money-back guarantee

With more than 80 million members, LifeLock offers proven services, a full suite of benefits, award-winning 24/7 member support, and U.S.-based restoration specialists.

LifeLock has several key features that stood out to us, such as credit bureau monitoring, U.S. Postal Service address change services, and lost wallet protection. Plus, it has one of the best and most intuitive identity protection mobile apps on the market.

We found the app to be among the easiest to use, with useful guides and information to help older adults avoid the risk of identity theft. The company also provides coverage for all losses suffered if identity theft occurs, including legal defense and out-of-pocket expenses.

Identity Protection Features

Our tech team has years of experience with LifeLock, and we have become extremely familiar with what they offer. Their most comprehensive plan, Ultimate Plus, offers extensive protection and identity theft resolution services that should cover the needs of most seniors. We got text, phone, and mobile app alerts whenever there was a possible data breach or misuse of our personal information.

We’ve found that the mobile app is a great option for older adults who want to learn more about how to protect themselves online and off. The app includes tons of tutorials and information about how to keep your information — such as passwords, Social Security numbers, and device access — safe from hackers.

Additional perks of LifeLock include alerts about fictitious identity creation, sex offender reports, bank takeover, and new account attempts or data breaches. It also provides alerts about financial and investment account changes, which can keep your portfolio secure in the long term. Those features go above and beyond to keep your data safe, especially with the comparatively basic protection offered by providers such as Zander Insurance.

Not all LifeLock plans, however, offer the same degree of protection. The Standard plan is somewhat minimal in its offerings, but you can still get up to $1.05 million in identity theft insurance, along with Social Security number, credit, and financial monitoring. If you’re not on a tight budget, you can get more features with one of the costlier plans, such as:

• Coverage for up to two adults
• Up to $1 million of coverage for legal fees (per adult)
• Up to $1 million in personal expense reimbursement (per adult)
• Up to $1 million in stolen funds reimbursement (per adult)
• Up to $3 million in total coverage
• Three credit bureau monitoring
• Payday loan lock to stop fraudulent high-interest loans
• Alerts for crimes committed in your name
• Social media monitoring
• Financial and investment account monitoring
• Phone number protection
• Home title monitoring

Pricing

LifeLock features three identity theft protection packages ranging from $11.99 to $69.99 per month for the first year of service. The plans include Norton Internet Security for up to five devices.

LifeLock Junior can be added to packages for $5.99 per month per child (for the first year), and discounts are available for annual payments. Having child protection as a paid add-on is a slight drawback, because providers such as Aura and IDShield include child protection in their base coverage for families.

LifeLock isn’t as affordable as Identity Guard or Zander Insurance, but they offer discounts if you pay for a year up front. The annual rates drop to $7.50 per month for the first year of the Standard plan, up to $32.99 per month for the first year of the Ultimate Plus plan for two adults. That means you can shave off 37 percent to 52 percent of your premium with an annual plan.

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The discounts go down after the first year of service. The Standard plan, for example, costs $89.99 for the first year, and then $124.99 for each year after that. You’re still getting a discount by paying annually, but it’s far less from the second year onward. With the addition of antivirus services and high reimbursement amounts, though, LifeLock’s cost is quite reasonable.

Customer Feedback

Despite being a leader in the identity theft protection industry, LifeLock has mixed reviews from consumers. Many reviewers praise the excellent mobile app and comprehensive monitoring that keeps you updated on everything from social media scams to suspicious credit card purchases.

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Unlike Identity Guard and Zander Insurance, LifeLock doesn’t have U.S.-based customer service. Instead, they outsource their customer service to other countries, and many reviews complain about having difficulty communicating with representatives. Some claim that it’s not always easy to reach a positive resolution over the phone.

Using Identity Guard's dark web monitoring

• Starting price: $8.99 per month
• Dark web monitoring: Yes
• Credit reporting: Yes
• Maximum coverage amount: Up to $1 million
• Free trial: No
• Money-back guarantee: 60-day money-back guarantee

Founded by Intersections Inc. in 1996, Identity Guard is making groundbreaking strides with customers seeking intensive identity theft protection. The company uses the most recognizable artificial intelligence program on the market: IBM Watson. Identity Guard has also been recognized by the Online Trust Alliance and Online Trust Audit for several consecutive years for their top-notch business practices.

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The technology behind Identity Guard is their biggest benefit. They also offer features such as risk-management score information, Social Security monitoring, and credit and ID monitoring.

With up to $1 million in insurance per adult, along with U.S.-based professionals, Identity Guard is an excellent choice for many seniors. The monthly cost for standard plans is one of the lowest in the industry — cheaper than LifeLock and Aura, but not quite as affordable as Zander Insurance.

Identity Protection Features

The basic Value plan from Identity Guard is solid for older adults who want simple protection, including up to $1 million in identity theft insurance, data breach notifications, monitoring of high-risk financial transactions, an online password manager, and a safe internet browsing tool.

Plans also come with access to a U.S.-based customer-care team — something you won’t get with LifeLock — and an easy-to-use mobile app for instant notifications and alerts.

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In our experience, you get the most bang for your buck if you upgrade to the Total or Ultra plans (especially the Ultra). Some of the most useful protection features included in the higher-tier plans include:

• Three-bureau monitoring
• Comprehensive bank account monitoring
• Fraud resolution with a personal case manager
• Social media monitoring
• Retirement and investment accounts monitoring
• Home title and change of address status
• Monitoring of criminal activity and sex offenders in your area
• Monthly credit score check and Experian credit lock

Pricing

Identity Guard’s individual plans range from $8.99 to $29.99 per month, and family plans range from $14.99 to $39.99. There are also discounts for customers who pay for a year of service up front, and family plans cover every household member for one low price.

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Currently, the annual discount ranges from 25 percent to 40 percent per month for individual plans and 33 percent to 40 percent for family plans. Family plans cover up to five adults and an unlimited number of children. That’s a big plus for large households that want identity theft protection.

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It’s worth investing in top-tier plans because of the high level of protection. We recommend the service for people who want hands-off protection that you don’t have to manage.

Identity Guard is a good option for seniors who may not be worried about costs but want comprehensive, high-tech protection for their investments. If you just need basic identity protection and want to pay less monthly, however, Zander Insurance may be a better option.

Customer Feedback

After reading through dozens of third-party reviews, we noticed that most customers are very happy with the quality of information monitoring and the breadth of plan offerings.

The introduction of AI has made it easier for Identity Guard to flag suspicious activity instantaneously and look for patterns before personally identifiable information can be compromised. Many reviewers also commented on how easy it was to use the mobile app.

Some reviewers complained that dealing with customer service was not always easy or helpful, and in some cases, Identity Guard missed credit report issues that other services (such as Credit Karma) caught.

Despite having U.S.-based customer service, many reviewers found it difficult to reach a representative on the phone quickly. That’s important to consider, because a quick response is key when identity theft or fraud is involved.

Setting up our account on Aura

• Starting price: $12.99 per month
• Dark web monitoring: Yes
• Credit reporting: Yes
• Maximum coverage amount: Up to $1 million
• Free trial: 14-day free trial
• Money-back guarantee: 60-day money-back guarantee

Founded in 2019, Aura is one of the newest identity protection and online safety platforms on the market. Their biggest selling point is that they have everything you need on one platform: identity theft, credit and financial protection, antivirus software, VPN software, and child protection.

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Aura comes with some interesting features you may not find with other providers, including a family plan that keeps you and your loved ones safe. Parents (or grandparents) have more control over what their kids do online, and even the lowest price point comes with sizable coverage ($1 million starting point).

If you want a simple solution that has everything you need to stay protected online, Aura may be a great option.

Identity Protection Features

Aura is unique, because it doesn’t just focus on checking for red flags via online activity or credit reports. It also works to protect individual devices and has a Family plan that can provide coverage to an unlimited number of children.

You can get similar coverage and features with IdentityForce and Identity Guard, but not with LifeLock. We also like that Aura comes with VPN protection, making it one of the few providers on this list that helps you stay anonymous and protected online.

Aura’s coverage is extensive and offers excellent bang for your buck. It’s a great option for older adults who want all their bases covered when it comes to online safety, such as:

• Protection for credit and identity fraud
• Proactive financial and device monitoring
• Antivirus features
• VPN service
• Up to $1 million in identity theft insurance
• Parental controls for children’s online activity

The Family and Couple plans allow you to safely share sensitive information, such as bills and bank statements, between your family members. If you don’t want to manage your finances or online activity alone, the Family plan will also allow your loved ones to help you oversee your safety needs.

Pricing

Aura has three plans that are similar to LifeLock’s pricing model, since you can get a big discount on the first year of service. If you pay monthly, prices range from $12.99 per month (Individual) to $19.99 per month (Couple) to $47.99 per month (Family).

We like that Aura has plans for different family sizes, including a plan just for couples and one for larger families. You’ll get a better discount if you pay annually, with monthly prices decreasing by 58 to 68 percent.

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The prices apply only to the first year. If you pay month to month, prices will increase at the beginning of the second year of service to $24, $48, or $80 per month, depending on the plan. That means the rates will roughly double after the first year.

You can still save by paying annually, but the rates for each subsequent year will still increase. That means keeping Aura for the long term may not be the best option for budget-conscious users.

We’ve found that the cost for the Couple and Family plans is likely worth it if you want to extend protection to multiple individuals or devices. With the Couple plan, you can protect up to 20 devices.

Between phones, laptops, computers, tablets, and gaming consoles, there are many ways malicious hackers can try to access your information. If you have more devices or want to protect more people under the same plan, the upgrade could be worthwhile.

Customer Feedback

Aura has an A+ rating from the Better Business Bureau (BBB), but they have mixed consumer reviews. Many reviews complain about the VPN service being spotty, making it difficult to use the internet consistently.

» Related Resource: Best Internet for Seniors in 2025

On the other hand, many others praise their timely notifications and friendly U.S.-based customer service. You can always choose not to use the VPN, but it helps keep your identity and devices safe online. If VPN protection is high on your priority list, consider an ID Watchdog plan, which includes NordVPN, a popular and trusted VPN service.

• Starting price: $19.90 per month
• Dark web monitoring: Yes
• Credit reporting: Yes
• Maximum coverage amount: Up to $2 million
• Free trial: 30-day free trial
• Money-back guarantee: No

Now partnered with the company EZShield, IdentityForce has become a force to be reckoned with in the identity theft protection industry. It may not be as friendly to your wallet as Zander Insurance or Aura at first glance, but we like that IdentityForce doesn’t have automatic premium increases after the first year.

For seniors, the 24/7 real-time monitoring makes a big difference, as does the quality of the customer service. Add to that the $1 million worth of protection, a fully managed restoration process with certified professionals, and both credit and banking alerts, and you have a well-rounded option for older adults.

Identity Protection Features

Like Identity Guard and ID Watchdog, you get more if you upgrade to a costlier plan. The basic plan (UltraSecure) offers dark web monitoring, Social Security number protection, bank alerts, and $2 million in identity theft coverage.

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That’s good, but it’s fairly limited for a plan that costs more than double some of the starter plans from Zander Insurance and Identity Guard. IdentityForce also doesn’t offer any kind of money-back guarantee, so you probably won’t get a refund if you miss out on the 30-day free trial. That’s not great for seniors on a budget or those who need more time to test the service.

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If you upgrade to one of the higher-tier plans (UltraSecure + Credit), you can get more protection. IdentityForce is a great option for families and seniors who want around-the-clock access to customer support. If you do go with the top-tier family plan, you can get all of the following for $39.90 per month:

• Advanced tech monitoring for up to two adults
• Unlimited monitoring for children (with ChildWatch)
• Up to $2 million in identity theft coverage
• Credit monitoring and quarterly reports with all three credit bureaus
• Credit score tracker
• Sex offender monitoring
• Change of address alerts
• Court record notifications
• Social media monitoring

Pricing

IdentityForce offers two protection plans, UltraSecure and UltraSecure + Credit, that are $19.90 to $34.90 per month or $199.90 to $349.90 per year (for individuals).

ChildWatch can be added to any of the plans for $10 per month, which covers an unlimited number of children. We would have liked to see child protection included in the plan at no extra charge (like Identity Force and Aura), but at least it’s available.

The plans cost more, but the services are outstanding for providing complete protection. IdentityForce’s comprehensive lineup of tools adds to the costs, but it becomes significantly more affordable when paid annually.

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You can use the 30-day free trial to decide if it’s the right fit. For those who want ample monitoring, along with the ability to have stolen funds restored, a high-tier plan from IdentityForce is a solid choice. But like ID Watchdog and IDShield, you won’t have a money-back guarantee, so take advantage of the 30-day trail.

Customer Feedback

IdentityForce has a 3.9 rating (out of five stars) on Trustpilot, but not all consumers are happy with the service. Positive reviews generally praise the company’s fast notifications, two-factor authentication for enhanced device security, and trustworthiness.

The negative reviews focus heavily on the provider’s hit-and-miss customer service. Similar to LifeLock, IdentityForce outsources customer service to a third-party company outside the United States, and many people complain that they’ve had to wait on the phone for long periods, even as they get notifications about their information being compromised.

• Starting price: $14.95 per month
• Dark web monitoring: Yes
• Credit reporting: Yes
• Maximum coverage amount: Up to $2 million
• Free trial: No
• Money-back guarantee: No

ID Watchdog has provided identity theft protection since 2005 and boasts an A+ BBB rating. Their advanced systems carefully watch billions of data points to keep your information safe and alert you to suspicious activities with real-time alerts via SMS or email.

ID Watchdog earns high accolades from consumers and has been recognized as one of the top identity theft protection companies by the Consumer Federation of America. Plus, ID Watchdog offers specialist and customer representative services in over 100 languages, something you can’t even get from LifeLock (which offers English support only).

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ID Watchdog is comprehensive, offering support for people who already have identity theft risks they need help with. It also offers noncredit monitoring and a 100 percent resolution guarantee, which is not something all companies provide. That said, we don’t like that there’s no free trial and no money-back guarantee.

Identity Protection Features

What really sets ID Watchdog apart is the ability to get retroactive support for preexisting identity theft cases. You can access a personal identity theft resolution specialist to help manage your case and reach a resolution. Like Aura, ID Watchdog also provides VPN protection, but ID Watchdog uses NordVPN, a trusted provider of online privacy services.

The offerings vary depending on your chosen plan, but some useful ID Watchdog features include:

• Alerts for hacker forums
• Black market surveillance
• Automatic public records searches
• Social media monitoring
• Specialist support in over 100 languages
• Subprime loan block
• Child credit locks
• Dark web monitoring
• High-risk transaction monitoring
• Up to $2 million in identity theft insurance
• Phishing and malware alerts

Pricing

ID Watchdog has four plans that range from $14.95 per month for the Select Individual plan to $34.95 per month for Premium Individual + Family plan. Annual payment plans offer discounted rates that shave about six percent off the price.

While six percent doesn’t sound like much, the annual price comes out cheaper than comparable plans from IDShield. Pricing is competitive, and the higher level of protection makes it worth paying more.

You’ll pay more for preexisting identity theft services, but it’s an excellent service for seniors who have already experienced identity theft — and a feature you can’t find with many providers.

Most identity theft protection services begin as soon as you pay your first premium and don’t address prior instances of fraud. However, if you’ve had your identity stolen prior to signing up, ID Watchdog will still assign a resolution specialist to your case. Add to that the comprehensive protection and 100 percent resolution guarantee, and you have an excellent product for most needs.

Customer Feedback

With an A+ rating from the BBB, ID Watchdog has proven themselves a legitimate and trustworthy brand. Since their founding in 2005, customers have consistently reported positive interactions with specialists. Many have also praised the ability to retroactively address identity theft cases, because it’s a huge bonus for people who are already the victims of fraud.

• Starting price: $6.75 per month
• Dark web monitoring: Yes
• Credit reporting: Yes
• Maximum coverage amount: Up to $2 million
• Free trial: No
• Money-back guarantee: 14-day money-back guarantee

Zander Insurance started providing services in the U.S. in 1925 and began offering ID Experts services in 2010. The company is a good choice because they offer a wide range of services at competitive prices (some of the lowest overall ID protection prices available). Their starting prices are far lower than industry leaders such as LifeLock and Identity Guard, and they offer up to $2 million in insurance protection.

One of the key reasons Zander Insurance costs significantly less than others is because they do not provide credit monitoring services. That’s ideal for many older adults, because it keeps costs low and doesn’t bother them with credit monitoring if they don’t use credit often. If credit monitoring is something you need, however, you’re better off with a provider such as LifeLock, Aura, or Identity Guard.

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The company also offers unlimited restoration services and child identity theft protection (in case a senior may be raising or looking after a grandchild, for example). Those are the kinds of services we appreciate, because they make it far easier for you and your family to get your life back on track after identity theft.

Identity Protection Features

Zander partnered with Dave Ramsey to create their identity protection plan. It works well for people who just want protection without frills. You shouldn’t expect the all-in-one kind of protection you get from LifeLock or ID Watchdog, but you still get alerts when fraudulent activity is spotted.

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The company’s services include proactive monitoring and alerts. You’ll receive an alert when a change to your personal information is detected. It also provides up to $1 million in coverage if you report electronically stolen funds or expenses. That includes your legal costs from any ID theft risk, as well as out-of-pocket expenses.

It protects against most types of identity theft, including:

• Tax fraud
• Medical identity theft
• Financial fraud
• Child identity theft
• Employment fraud
• Title fraud

Zander does not offer credit monitoring, but the service notifies you via 24/7 customer support when something fishy is happening. Even better, the company’s team is located in the U.S., making them easy to reach.

With Zander, you’ll need to check your credit reports on your own. For people who may not use credit heavily, that isn’t much of a problem — especially when considering the low premiums and free credit check providers out there (like Credit Karma).

Pricing

Zander Insurance is affordable, with the Essential Plan starting at $6.75 per month for an individual or $12.90 per month for a family. The Elite Bundle costs $11.99 per month for an individual and $21.99 per month for a family. With the annual payment discount, you save between seven (individual plan) and 11 percent (family plan).

For the Elite Bundle, annual payment brings the cost to $130 per year for individuals and $240 per year for families. That means you could get an individual or family plan for nearly half of what it would cost from providers such as Aura, LifeLock, or IdentityForce.

There are limited options and no credit monitoring, but it is hard to overlook how affordable the service is for customers on a tight budget.

Customer Feedback

Zander Insurance has an A+ rating from the BBB and has built a strong reputation over the past 100 years. Not all customers have been happy with the identity protection services, however.

Some users commend the company for their affordable prices, but we noticed a trend of negative feedback. Customers complained about case resolution with customer service and challenges navigating the somewhat unintuitive website.

• Starting price: $14.95 per month
• Dark web monitoring: Yes
• Credit reporting: Yes
• Maximum coverage amount: Up to $3 million
• Free trial: 30-day free trial
• Money-back guarantee: No

IDShield is a long-running company owned by LegalShield. They have provided services to U.S. residents since 2001, with up to $3 million in insurance coverage. The service works with individuals and families to provide comprehensive credit monitoring and threat identification.

A few things make IDShield stand out to us. They offer most types of protection, including privacy, security, and even social media monitoring. If there is a problem, the company’s resolution service works to restore your identity.

Other key features include the IDShield Vault Password Manager to protect your accounts from hackers. They also offer a consultation service to work with individuals one-on-one to handle specific needs. They do not, however, provide any type of antivirus software, which is a downgrade from providers such as LifeLock.

Identity Protection Services

The IDShield Individual plan includes instant alerts for hard inquiries on your credit report, high-risk applications, transaction monitoring, and investment account number monitoring. It also offers complete monitoring — security, privacy, and social media monitoring — along with unlimited consultations.

If a problem occurs, the company works to fix it through comprehensive restoration services. Plus, the plan offers IDShield Vault Password Manager for ample protection for devices like mobile phones and computers.

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If you need restoration services, the company works one-on-one with a licensed private investigator, along with modern tech, to restore any problems. With up to $3 million in comprehensive protection for most losses (triple the industry standard), this is a great option.

The company also stands out for their comprehensive monitoring services. Security monitoring focuses on the following:

• Financial monitoring, such as account numbers and lending services
• General privacy monitoring to protect personal information from fraud
• Social media monitoring

Pricing

IDShield offers individual and family plans, ranging from $14.95 per month to $34.95 per month. One thing we didn’t like is that IDShield doesn’t offer the annual discounts that most other providers offer, like Aura or LifeLock. While IDShield isn’t the most expensive provider on this list, it’s also far from the most affordable.

Customer Feedback

IDShield is among the best-reviewed providers we’ve encountered, with many reviews reporting positive overall experiences. Online reviewers praise the company for their resolution services, fast alerts, and quality plan options.

Unlike reviews we encountered with LifeLock and Zander Insurance, we didn’t find many reviews complaining about customer service. On the contrary, the vast majority of users reported fast response times and positive resolutions with their identity theft cases.