LifeLock covers three things: it monitors your personal and financial information for signs of identity theft, it assigns a U.S.-based specialist to help you recover if theft happens, and it reimburses you through an insurance policy for stolen funds, lawyer fees, and personal expenses tied to the recovery. So the real answer to what LifeLock covers depends on which of the three plans you buy, because the monitoring breadth and the reimbursement ceilings scale sharply from the entry tier to the top one. Several exclusions in the policy also limit when the insurance actually pays.
What Every Plan Includes
Three features sit on every LifeLock plan, regardless of price:
- Up to $1 million in coverage for lawyers and experts needed to resolve identity theft.
- 24/7 access to a U.S.-based identity restoration specialist.
- Dark web monitoring, data breach notifications, and automatic data broker opt-out requests that run every 90 days across roughly 33 broker sites.
Every member also gets a monthly credit report and score from one bureau, an annual three-bureau report, and a TransUnion credit lock controllable through the app. The lock is separate from a true credit freeze, which you still have to place directly with each bureau and which federal law makes free. If you cancel or downgrade your LifeLock plan, the TransUnion lock automatically releases.
How the Three Tiers Differ
LifeLock sells three standalone plans. Each one builds on the last.
Core
Up to $1.05 million in total reimbursement: $1 million for lawyers and experts, $25,000 for stolen funds, and $25,000 for personal expenses. It monitors up to two financial accounts, watches two of the three credit bureaus, and includes social media monitoring and alerts for unexpected charges.
Advanced
Up to $1.2 million in total reimbursement: $1 million for lawyers, $100,000 for stolen funds, and $100,000 for personal expenses, plus a separate $5,000 scam reimbursement benefit. It monitors up to five financial accounts, upgrades credit monitoring to all three bureaus, and adds priority 24/7 phone support.
Total
Up to $3 million in total reimbursement: $1 million for lawyers, $1 million for stolen funds, and $1 million for personal expenses, plus $10,000 in scam reimbursement. Account monitoring is unlimited. Total also adds four coverage areas the lower tiers lack: home title monitoring, SIM-swap (phone takeover) alerts, 401(k) and investment account alerts, and bank account takeover alerts. One caveat on home title monitoring: it is a detection tool, not a block. It alerts you after a filing appears in county records, which can take weeks, and many county recorder offices offer similar notifications for free.
LifeLock also sells Norton 360 bundles that pair identity protection with antivirus, VPN, and device security. The Select bundle mirrors Core’s coverage limits; the Ultimate Plus bundle mirrors Total’s.
What the Million Dollar Protection Package Actually Pays
Every LifeLock plan includes an insurance component the company calls the Million Dollar Protection Package. It is underwritten by United Specialty Insurance Company (or State National Insurance Company for New York residents). The headline number is not a single pot of money. It is split into three buckets:
- Lawyers and experts: up to $1 million on all plans.
- Stolen funds reimbursement: $25,000 on Core, $100,000 on Advanced, $1 million on Total.
- Personal expense compensation (lost wages, childcare, travel costs tied to resolving the theft): $25,000 on Core, $100,000 on Advanced, $1 million on Total.
There is no deductible. But stolen funds coverage is secondary: you have to seek reimbursement from your bank first. If the bank makes you whole, LifeLock pays nothing. If the bank refuses or only partially reimburses, LifeLock’s insurance can fill the gap.
Scam Reimbursement Is a Separate Benefit
The Advanced and Total plans include a newer, distinct benefit for scam losses: up to $5,000 on Advanced and up to $10,000 on Total. This is meant for cases where you were tricked into sending money through social engineering, phishing, or a cyberextortion demand, and your bank will not reimburse you. To qualify, the loss has to be discovered during your active plan term, reported to LifeLock within 60 days, and not covered by any other third party. New York residents are not eligible for this benefit; LifeLock does not publicly explain why.
Identity Restoration
If your identity is stolen, every LifeLock member gets a dedicated U.S.-based restoration specialist who handles the case through resolution. That includes disputing fraudulent accounts, contacting financial institutions and government agencies, placing fraud alerts or credit freezes on your behalf, and gathering the release letters that confirm the case is closed. The restoration line is staffed 24 hours a day, 365 days a year at 1-800-543-3562. LifeLock also offers a restoration guarantee: if the company cannot return your identity to good standing, you receive a refund of up to twelve months of subscription payments.
What LifeLock Does Not Cover
The exclusions matter as much as the coverage. Several of them surprise people who assume the insurance is comprehensive.
- Cryptocurrency, digital currency accounts, and NFTs are entirely excluded.
- Losses from malware, viruses, phishing, or other cyberattacks are excluded from the base identity theft insurance. Some phishing losses may be covered under the separate scam reimbursement benefit on Advanced and Total.
- Voluntary disclosure is generally not covered. If you gave someone your account information or security codes, you are not covered unless you were acting under duress.
- Business accounts are excluded. The insurance covers only personal, family, or household use, and an account used even partially for business falls outside the policy.
- Negligence can void coverage. If you failed to review your account statements at least once every 12 months, or otherwise failed to exercise reasonable care with your information, a claim can be denied.
- Fraud by an immediate family member or someone living in your household is excluded unless you report them to law enforcement and cooperate in prosecution.
- Cash stolen from a wallet is capped at $500 regardless of plan tier.
- Lost wages reimbursement is limited to salary lost within six months of discovery, capped at 30 days of lost time, and excludes self-employment income.
Reporting Deadlines That Can Kill a Claim
Even covered losses can be denied if you miss a deadline. Identity theft or unauthorized fund transfers have to be reported to LifeLock within 90 days of discovery. A stolen wallet has to be reported to police within 24 business hours. Scam reimbursement claims have to be reported within 60 days of discovery.
Monitoring Details Worth Knowing
Financial account alerts cover debits from bank accounts, cash withdrawals, balance transfers, large purchases, and changes in recurring charges. Credits and payments to credit cards do not generate notifications. Account data refreshes daily on high-activity accounts like checking and investment accounts, and weekly on slower ones like mortgages.
Dark web monitoring scans forums and marketplaces for specific data points you add: Social Security number, date of birth, driver’s license, bank and credit card numbers, phone numbers, and email addresses. The data broker removal feature covers around 33 sites, which is narrower than standalone data removal services that cover 200 or more and run continuously; LifeLock’s version runs on a 90-day cycle and expects some manual involvement from you.
Family and Child Coverage
LifeLock sells family plans covering two adults and up to ten children. Kids are covered through a LifeLock Junior add-on for anyone under 18. Junior members receive dark web monitoring, Social Security number alerts, credit file detection (to flag a credit file opened in a child’s name), lost wallet protection, and access to restoration specialists. Reimbursement limits for children match the adult’s tier: $25,000 on Core, $100,000 on Advanced, and $1 million on Total, with up to $1 million for lawyers and experts on all tiers.
Pricing
Individual plan prices as of 2026, with annual billing running about 16 percent cheaper than monthly:
- Core: $12.49 per month, or $124.99 per year.
- Advanced: $19.99 per month, or $199.99 per year.
- Total: $34.99 per month, or $349.99 per year.
Family pricing is higher. Advanced for two adults is $35.99 per month ($359.99 annually), and adding up to ten children brings it to $47.99 per month ($479.99 annually). These are introductory rates; renewal prices increase, sometimes significantly. Norton 360 bundles start at $14.99 per month for Select and $34.99 per month for Ultimate Plus. Annual subscriptions come with a 60-day money-back guarantee.