LifeLock vs. Discover: Battle of the Identity Theft Protectors
Choosing the right identity theft protection service can feel like a tough decision. With so many providers, figuring out which offers the best value and features can seem overwhelming. This guide compares LifeLock and Discover Identity Theft Protection to help you decide which plan best suits your needs.
Content is written by humans, not robots.
Discover offers identity theft protection to its cardholders. LifeLock is a well-known identity protection service with several plan options.
Discover’s Identity Theft Protection: A Closer Look
Discover’s identity theft protection is offered, sometimes with advertising comparing it to LifeLock’s top-tier plan, Ultimate Plus, to cardholders. While the service is exclusive to Discover cardholders, it is competitive with other providers and provides a good value for its price point. For $15 per month, which is about average for the industry, you’ll have a mobile app and desktop access, credit alerts, alert notifications, and more.
Key Features:
- Mobile app and desktop access
- Credit alerts
- Address change alerts
- Bank account alerts
- Criminal court alerts
- Payday loan alerts
- Lost wallet assistance
- Fraud resolution assistance
- $1,000,000 stolen funds reimbursement
LifeLock: A Variety of Options
LifeLock provides a broad range of identity theft protection plans including:
- LifeLock Select: The most affordable option.
- LifeLock Advantage: A mid-tier plan with increased coverage.
- LifeLock Ultimate Plus: The most comprehensive and expensive plan. With this plan, you’ll have access to Norton 360 for device protection. Also, LifeLock offers extra layers of protection and benefits that cater to most user needs.
LifeLock offers three plans with various price points ranging from $9 to $26 per month. This allows for direct comparison with Discover’s plan.
Price Comparison
- Discover Identity Theft Protection: $15 per month per adult
- LifeLock Ultimate Plus: Introductory price of $19.99 per month (annual payment) or $28.33 after the first year. Additional child enrollment is $5.99 monthly.
Advantages of Discover vs. LifeLock Ultimate Plus
Discover’s main advantage is that it offers monthly summaries of your activity with all three credit bureaus, whereas LifeLock provides annual three-bureau reports. Discover may also have an edge with monitoring for credit-related fraud, by sending Experian ID verification alerts.
Discover may offer better customer service. LifeLock’s customer service is available 24/7, with an A- rating from the BBB based on transparency.
LifeLock Advantages: Norton 360 & Generous ID Theft Insurance
LifeLock’s strength lies in its added features and coverage.
- Norton 360: Included with LifeLock Ultimate Plus for device protection on almost unlimited devices.
- VPN: For anonymous browsing on all devices
- Cloud storage: 500GB to back up your files
- Insurance: LifeLock offers three separate $1,000,000 policies for stolen funds, lawyers, assistance, and personal expense compensation.
This extra advantage shows how LifeLock may be worth the additional cost if you don’t already have device protection or have high incomes to protect.
Other LifeLock Plans vs. Discover
- LifeLock Select: Lacks credit bureau monitoring, but includes Norton 360 for up to five devices and fraud resolution support.
- LifeLock Advantage: Does not have credit bureau monitoring, but tracks bank accounts and credit cards for identity fraud, and allows for Norton 360 for up to ten devices.
