Best Identity Theft Protection for Seniors in 2024

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 monthly. However, there are nice discounts for customers paying annually, and family plans cover every household member for one low price. Additional services offered by the company include notifications concerning bank account takeovers, high-risk transactions, new account requests, and even a social insight report.

The higher cost is worthwhile to most seniors because of the high-level of protection. It is well-recommended for those who want hands-off protection that you don’t have to worry about having to manage. Paying more for comprehensive coverage is beneficial here.

The Bottom Line

For seniors who may not be worried about costs but want comprehensive, high-tech protection for their investments, Identity Guard is the route to take.

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Pricing

LifeLock features three identity theft protection packages ranging from $7.50 per month to $32.99 per month for the first year of service and includes Norton Internet Security for up to five devices. LifeLock Junior can be added to packages for $5.99 per month, and discounts are available for those paying annually for services. Additional perks of LifeLock include the ability to receive alerts concerning fictitious identity creation, sex offender reports, bank takeover, and new account attempts and data breaches.

With the addition of antivirus service, the cost for LifeLock is quite reasonable. For seniors, these prices are about average or better for perhaps the best level of ID protection available.

The Bottom Line

Seniors can appreciate a few key things about LifeLock – the app is easy to use, there is support for up to $1 million worth of losses****, and it offers credit monitoring protection. It also provides alerts about financial and investment account changes, which can help secure your portfolio long-term.

*LifeLock does not monitor all transactions at all businesses.

**Terms apply to all LifeLock plans.

***The credit scores provided are VantageScore 3.0 credit scores based on data from Equifax, Experian and TransUnion respectively. Any one bureau VantageScore mentioned is based on Equifax data only. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.

****Stolen Funds Reimbursement and Expense Compensation, each with limits of up to $1 million for Ultimate Plus, up to $100,000 for Advantage and up to $25,000 for Select, when purchased in Norton 360 with LifeLock plans. And up to $1 million for coverage for lawyers and experts if needed, for all plans. Benefits under the Master Policy are issued and covered by United Specialty Insurance Company (State National Insurance Company, Inc. for NY State members). Policy terms, conditions and exclusions at: LifeLock.com/legal.

Pricing

Aura has three plans with three price points. The individual plan is $15 per month, the couple plan is $29 per month, and the family plan is $50 per month. You can get at least 50 percent off  each plan when you pay in full for a one-year subscription. What’s great about Aura’s plans is that even the individual plan, its cheapest option, comes with robust coverage ($1 million in identity theft insurance) and a wide range of protection.

The cost for the couple and family plan is worth it if you want to extend protection to multiple individuals or devices. With the couple plan alone, you can protect up to 20 devices. Between phones, laptops, computers, tablets, and gaming consoles, there are many ways that malicious hackers can try to access your information. So if you have more devices or want to protect more people under the same plan, it's worthwhile paying for the upgrade.

Bottom Line

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 monitoring, antivirus features, and a sizable coverage amount. It’s also a great option if you want to look after your kids’ online activity.

The family plan and couple plans allow you to safely share sensitive information, like 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 give your kids or loved ones the opportunity to help you oversee your safety needs.

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, respectively. ChildWatch can be purchased additionally, and other included services for both packages include sex offender monitoring, change of address alerts, court record notifications, and social media identity monitoring.

Though they cost a bit more, these services are outstanding when it comes to providing seniors with complete coverage in one place. IdentityForce’s comprehensive lineup of tools does add to the costs, but when paid annually, it becomes significantly more affordable overall.

The Bottom Line

Take the trial to find out just how beneficial this service is. Those who want ample monitoring for all needs, along with the ability to have stolen funds restored, this is an excellent choice overall. Another key benefit is the advanced detection technology which may help ward off these risks in the first place.

Pricing

ID Watchdog has four protection plans available that range in price from $14.95 per month for the Select Individual Plan to $34.95 per month for Premium Individual + Family Plan. However, those opting to pay for services annually can qualify for lower rates: $150 annually for the individual plan and $350 for the family plan. Included services also cover alerts for hacker forums, black market surveillance, public records searches, and they also have Certified Identity Theft Risk Management Specialists available 24/7 to assist with guaranteed identity restoration and credit corrections.

Pricing is competitive with this service, but its higher level of protection makes it worth paying a bit more for overall. Seniors will find this option well within their budget for the level of security it can offer.

The Bottom Line

Though you pay a bit more for pre-existing identity theft services, for seniors who need it this is an excellent service you cannot find from most other services. Add to this the comprehensive protection and guarantee, and you have an excellent product for most needs.

Pricing

Experian offers easy tools and app interfaces that are simple to set up and use. Customers can receive SMS alerts immediately if any suspicious activity occurs within the scope of their policy’s coverage options. However, there are discounts available for those opting to play for plans annually rather than monthly. Additional services offered by the company include payday monitoring, black market surveillance and change of address verification.

Plans range anywhere from a free Basic Plan to $34.99 per month for the Family Plan, depending on the services requested and the level of service provided. Their most popular package, the Premium Plan, is $24.99 per month.

Older adults will find the middle-of-the-road plans tend to offer the most protection for their needs, and are overall competitive with the services and features offered compared to other companies.

The Bottom Line

It is hard to argue that working with Experian directly can be beat, but the company’s identification protection tools are comprehensive for most customers. Having services such as bank account and credit takeover attempts reported, for example, can give older adults the support they need immediately. Other nice features include the change of address verification (especially if they are moving into an assisted living community) along with the $1 million worth of coverage to be ideal features here.

Pricing

PrivacyGuard offers users three options for protection. The first product is PrivacyGuard Identity Protection which is $9.99 per month after the first 14 days. This service provides dedicated ID fraud resolution support, ID verification monitoring, black market website monitoring, Social Security number event tracking, online directory scan, annual public records reports, and online fraud assistance. This package also comes with fewer pre-approved credit card offers, lost and stolen assistance, and $1 million in ID theft insurance.

The second option is the company’s PrivacyGuard Credit Protection. For this service, users pay $19.99 per month after the first 14 days. This service also comes with dedicated ID fraud resolution support. It then offers credit report monitoring and scores for each of the three credit bureaus, 24/7 daily credit monitoring, monthly credit score tracking, a credit card simulator, and financial calculator suite. The company also offers the credit information hotline at this offer for ongoing assistance. This service is less beneficial to seniors unless they are worried about their credit score specifically.

A third option is PrivacyGuard Total Protection. This plan costs $24.99 per month after the first 14 days. It offers each one of the features offered by both other services. This is an ideal choice for most people who want to manage all aspects of their identity in one place.

The company also provides users with an introductory offer. It costs just $1 to use the service for the first 14 days. This provides an easy opportunity to see how it works, what it can do for you, and allows you to cancel quickly if you do not like the service.

The Bottom Line

For people who just want to monitor their identity, the PrivacyGuard ID Protection service is a direct, easy-to-use solution. It is designed to provide users with an outstanding level of support but without a lot of cost. If the company detects a problem, they send an alert to you right away. And, then, the company’s fraud alert team goes to work. They provide outstanding service and a wide range of support as they work with you to dispute claims and facilitate a resolution quickly.

If you find that the activity on your report is not accurate, the company’s fraud support service is always a phone call away – and it is available 24 hours a day to help you no matter what you are up against.

This plan is a stripped-down version of identity theft, but it offers exactly what you need – help knowing when someone opens an account, reports a public record in your name, or tries to change your address. It is possible to register up to 10 credit cards with the system – which is generally more than enough for seniors. It provides up to $1 million worth of coverage, which tends to be the amount recommended by most experts. Overall, the policy is a solution option for those who are looking for a reliable solution for identity theft protection.

Pricing

The company offers options for individuals and families. For older adults, the individual plan options are ideal. They include IDX  Privacy, IDX Identity, and IDX Complete. Here’s a breakdown.

IDX Identity provides single bureau monitoring for $9.95 per month. It includes a dark web CyberScan, $1 million in identity theft insurance, a money-back guarantee, and a fully managed, US-based team. It also offers a monthly recap of account activities, protection advice, scam alerts, and password detection services. Other features include lost wallet coverage, an annual single bureau credit report, court record monitoring, and Social Security fraud monitoring, among others.

IDX Privacy comes with a lot more online privacy and fraud prevention features, but it has fewer monitoring features. You will get dark web monitoring with the Privacy plan, but it doesn’t come with credit monitoring, loan monitoring, or change-of-address monitoring services. If you want to ensure your online activity is secure and don’t think you need to monitor your identity or data, this is the plan for you. The Privacy plan’s standard rate is $12.95 per month.

The IDX Complete plan offers all of these services but does so across all three credit reporting agencies. It costs $32.90 per month. It also provides VantageScore 3.0 credit score, Instant Inquiry Alerts, and Credit Lock by TransUnion. For those who want more control over their credit report, this upgrade is well worth it.

Those who want to cover more than one person can do so using the family plans. They provide the same level of protection for more than one person. The IDX Identity family plan costs $19.95 per month, and the IDX Complete family plan costs $64.99 per month.

The Bottom Line

IDX provides a credit-heavy amount of protection. For older adults who just want to manage identification, the basic plan may be enough. However, because it is limited to just one credit report, it tends to offer limited protection overall (it is very common for one agency to report information different from another).

Overall customer service is reliable. And, the monitoring services are comprehensive – monitoring for Social Security, medical, security, financial, employment, and driver’s license fraud. The $1 million in coverage is the ideal option and the company will reimburse for most types of out-of-pocket costs associated with identity loss. This includes instances of stolen funds – if done electronically.

One of the best features of IDX is that it provides a guarantee – not all companies do this. The company will refund individuals for up to a full year’s worth of fees if the company fails to remove all adverse matters associated with the identity theft from the customer’s record. With 100 percent recovery guarantee, this provides a nice level of protection for those who may have had concerns in the past and who understand just how hard it is to remove them.

Pricing

Zander Insurance Group 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. Paying for a year upfront reduces these costs even further. With the annual payment discount, it costs just $75 per year for the Essential individual plan or $145 per year for the family plan. For the Elite Bundle, annual payment brings the cost to $130 per year for individuals and $240 per year for families. Though there are limited options, it is hard to overlook just how affordable this product is for customers on a tight budget who want added protection.

The Bottom Line

Zander partnered with Dave Ramsey to create its identity protection plan. Designed to be a streamlined service, it works well for those who just want protection without a lot of frills. The company’s services include proactive monitoring and alerts – you receive an alert when there is a change to your personal information detected. It also provides up to $1 million in coverage if you report electronically stolen funds or expenses. This includes your legal costs from any ID theft risk as well as out-of-pocket expenses associated with it.

It protects against most types of ID theft including tax fraud, medical ID theft, financial fraud, child ID theft, employment fraud, and title fraud, among others. While it does not offer credit monitoring, it can tell individuals when something is happening with their financial risks. For seniors, having the 24/7 customer service team available is also important. Even better, the company’s team is located in the U.S. making them easy to reach and overall dependable.

For older adults who may still use credit wisely, the Zander plan may not be the ideal fit. It does not offer any annual reports, credit scores, or bureau monitoring. This means customers will still need to check their credit reports on their own through the recommended AnnualCreditReport.com website. For people who may not use credit heavily, this isn’t much of a problem especially for the cost savings it offers.

Pricing

IDShield offers both individual and family plans for coverage. Its products can differ from one state to the next though. A customized quote is available ahead of any purchase and will detail everything the individual needs to know about their coverage. In general, the IDShield Individual plan includes instant alerts for hard inquiries on your credit report, high-risk application, and 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. And, this plan offers IDShield Vault Password Manager for ample protection.

The Individual plan starts at $14.95 per month to monitor one credit bureau or $19.95 per month to monitor all three credit bureaus. The IDShield Family plan starts at $29.95 per month to monitor one credit bureau and $34.95 per month to monitor all three. It includes you, your spouse or partner, and an unlimited number of dependent children. Child monitoring services are included in this plan.

The Bottom Line

IDShield is the first to report that they provide this type of identity protection to over 1 million people. And, it is clear why people trust them. The company allows individuals to choose a plan right for their needs and, if they ever need to use the restoration services, they work one-on-one with a licensed private investigator along with modern technology to restore any problems that arise. And, with up to $1 million in comprehensive protection for most losses, this is a very flexible option overall.

The company also stands out for its comprehensive monitoring services. Security monitoring focuses on financial information, such as account numbers and lending services. Privacy monitoring is also important, including to seniors, as it helps protect personal information from fraud. Social media monitoring is less of a benefit to most seniors – unless you are very active online – but it aims to provide security against privacy or reputation risks. With a large amount of monitoring protection, it is easy to feel safe with IDShield. Consumers may find the pricing a bit higher than other plans, with limited flexibility in choosing coverage, but this is a reliable company with a solid product.

Pricing

IDnotify offers three plan options for consumers to select from for their needs. They include the Essential Plan for $9.99 per month, the Select plan for $17.99 per month, and the Premier plan for $25.99 per month.

The Essential plan provides internet surveillance, social network monitoring, identity restoration services, and lost wallet services. It’s very basic in terms of coverage and may not work well for older adults who want more protection for their financial information. The Select plan does a better job of this. It provides one-bureau protection along with the previously mentioned services in the Essential plan. It goes further by offering change of address monitoring, court recovers and booking monitoring, and Social Security monitoring. Identity theft insurance is available at this level. The most comprehensive plan, the Premier plan, offers all of these services along with non-credit loan monitoring (such as payday loans), sex offender monitoring, financial account take over, and others. It also provides three-bureau protection for you. The Premier plan also offers a monthly VantageScore update. For older individuals who want comprehensive monitoring, this is the best option overall.

The Bottom Line

There are a wide range of benefits to IDnotify. It allows users to lock their Experian credit file if they do not want anyone looking at their credit. It also provides $1 million in identity theft insurance at the Select level. This ensures that any and all losses can be recovered by those who need to file a claim. Users can also trust the Select and Premier plans to offer dark web protections.

Though not the cheapest available option in identity monitoring tools, this is a reliable provider and one that offers a comprehensive level of protection. For seniors, the features such as financial account takeover and lost wallet services make it an excellent choice. And, for those raising a grandchild, you can add child monitoring to any of these packages for an additional $5 per month, or turn it into a family plan for an extra $10 per month.