Best Identity Theft Protection in 2026: 7 Services We Checked Plan by Plan
Reviewed · Updated
Not legal or financial advice. Identity theft protection services reduce risk; they do not prevent all fraud.
On 10/08 and 10/09/2026 I checked seven identity theft protection services as far as each would go without a card or a Social Security number (SSN): their plans, what each plan monitors, the insurance limits in their own documents, their checkouts and what they ask before payment. None opened an account on those terms, so nothing here comes from inside a dashboard. The order below is the order of the scores on our scale. This is not legal or financial advice.
Key takeaways
- Top score: LifeLock, 8.1/10. Its section below says why, and where it falls short.
- Best free option: Experian Basic monitors your Experian credit file for free, with no insurance and no other bureaus.
- Three bureaus for the least on a yearly plan: Aura Individual at $144 for the first year. By the month, IDShield at $19.95.
- Cheapest plans that don’t watch credit at all: Zander from $75 a year, Identity Guard Value at $90 and IdentityForce UltraSecure at $199.90.
- Renewal price printed before payment: Identity Guard on every plan card, LifeLock on Norton’s renewal list, and Experian next to the trial. Aura, IdentityForce and IDShield didn’t show it.
- SSN before payment: LifeLock and IDShield asked for SSN digits in the checkouts I saw, and Identity Guard and Experian list it in their own FAQ and terms.
- Insurance on the entry plan ran from $25,000 in stolen funds (LifeLock Core) to $1,000,000 (Aura), by each company’s own documents.
Quick comparison
| # · Service | Score | Bureaus monitored | Insurance (as published) | Price/yr (renewal) | Trial | Cancel | SSN asked | Support | Try |
|---|---|---|---|---|---|---|---|---|---|
| 1 LifeLock | 8.1/10 | 2 bureaus on Core | Core: up to $25,000 stolen funds | $124.99/yrCore; renews at $124.99 (Norton list) | 30 days, card required | Online in account (help center) | Asked before payment (phone width) | chat: reply in 2 min | Visit LifeLock |
| 2 Aura | 7.0/10 | 3 bureaus on every adult plan | Up to $1M per adult | $144/yrIndividual, first year; renewal not shown | 14 days, $0 due today | Online in account (help center) | Not reached: stopped at the address step | email: no reply yet | Visit Aura |
| — Identity Guard | pending | None on Value; 3 on Total and Ultra | Up to $1M (reimbursement) | $90/yrValue, first year; renews at $107.88 | None offered | Online in account or by phone (FAQ) | Asked before payment (FAQ) | not measured | no review yet |
| — IdentityForce | pending | None on UltraSecure; 3 on +Credit | Up to $1M; $2M on +Credit | $199.90/yrUltraSecure; renewal not shown | 30 days, card required (terms) | Online in account or by phone (FAQ) | Not seen before payment | not measured | no review yet |
| — IDShield | pending | 1 (Experian) or 3, by plan | Up to $3M (terms not published) | $14.95/momonthly only; our math: $179.40 for 12 months | None | In writing or by phone (FAQ) | Last 4, before payment | not measured | no review yet |
| — Experian IdentityWorks | pending | 1 on free Basic; 3 on Premium | Up to $1M on Premium (AIG) | $24.99/moPremium, monthly only; our math: $299.88 for 12 months | 7 days, card required | Online downgrade or phone (help center) | Asked before payment (terms) | not measured | no review yet |
| — Zander | pending | None on any plan | Up to $1M per adult (reimbursement) | $75/yrEssential, archived 07/25/2026; renewal not stated | None | Conflicting: contact Zander or account | Not seen | not measured | no review yet |
Affiliate link · how it works →
Ranking by our scale · Checkout Test 10/08/2026 · Prices verified 10/08–10/09/2026 · Cancel: path from each help center, not tested
How we built this ranking
Aura and LifeLock went through our US Privacy Checkout Test on 10/08/2026: the trial or sign-up, the checkout up to the payment field with a New York address, the cancel and delete paths in their help centers, and one identical question to support. The other five got the same checkout steps on 10/09/2026 as a desk review, without the support question. Identity Guard and Experian blocked our browser on their sign-up pages, and Zander’s site refused our connection, so its facts come from archived copies.
I read every plan’s feature list, the insurance summary where one was published, the terms of service and the privacy policy, and checked the FTC, the CFPB and state attorneys general for actions against each company or its parent. No card or SSN was entered anywhere, so no alert, credit report or restoration was tested.
The score combines six parts: Results 30% · Price & value 20% · Checkout honesty 15% · Data handling 15% · Ease of use 10% · Support 10%. A service is ranked once it has a run and a score. LifeLock and Aura have both. The other five have no score, so they sit below the ranking without a number. Those five have no affiliate program with us, so they have no button, only a plain link to their site.
The order of this table is the order of the scores. Whether a company pays us a commission or nothing at all doesn’t move a single row.
1. LifeLock — best overall
For people who want to know the renewal price before they pay and can live with two-bureau monitoring on the entry plan.
- Checkout
- Plan
- Cancel
- Your data
- Eligibility
- Support
- Inside
30-day free trial · paid from $124.99/yr · verified 10/08/2026
8.1/10: for people who want the lowest first-year price among paid plans here that monitor credit, $124.99 for Core, and the same price listed at renewal. Core monitors two bureaus, and its stolen-funds limit is $25,000.
LifeLock is run by Gen Digital, the company behind Norton. Core covers credit monitoring at two bureaus, a monthly credit report and score from one bureau, dark web monitoring and data broker removal, per its plan page (10/08/2026). Norton’s renewal price list showed Core at $124.99 a year, the same as the first year, though the checkout terms say renewal prices may be higher.
The insurance is where the plans differ most. For events from 09/01/2026, Core pays up to $25,000 for stolen funds and up to $25,000 for expenses. The “up to $3M” on LifeLock’s home page belongs to the top plan. Advanced raises stolen funds to $100,000, and Total to $1,000,000.
I took Core to the payment step on 10/08/2026. The 30-day trial needs a card. On a phone-width screen, checkout asked for a phone number and the last 4 digits of an SSN before payment. Sales tax read “Tax May Apply” to the end, even with a New York ZIP. I entered none of it, so I didn’t see the dashboard.
Where it falls short: the FTC announced a $12 million settlement with LifeLock in 2010 over false claims, and a $100 million settlement in 2015 for violating that order (ftc.gov). Core’s $25,000 stolen-funds limit is a fortieth of Aura’s entry plan limit. The sales chat answered my refund question in about 2 minutes but skipped the part about deleting my data.
- Results7.0
- Price & value9.5
- Checkout honesty9.5
- Data handling7.0
- Ease of use7.0
- Support9.5
2. Aura — for three bureaus on the cheapest plan
For one adult or a family who wants credit monitoring at all three bureaus, insurance and device security in one bill.
- Checkout
- Plan
- Cancel
- Your data
- Eligibility
- Support
- Inside
14-day free trial · paid from $144/yr · verified 10/08/2026
7.0/10: for people who want three-bureau credit monitoring and up to $1,000,000 in insurance on the entry plan, at $144 for the first year. The renewal price isn’t shown before payment.
Every Aura adult plan lists credit monitoring at Equifax, Experian and TransUnion, an instant credit lock for your Experian file, home and auto title monitoring, financial transaction alerts, and SSN and personal information monitoring (pricing page, 10/08/2026). Antivirus, a VPN, a password manager and data broker removal come in the same plan.
The insurance is a group policy from American Bankers Insurance Company of Florida, an Assurant company. Aura’s $1M summary of benefits caps it at $1,000,000 per membership per 12 months, and you have to report a loss within 60 days of finding it. Losses caused by an immediate family member and losses involving cryptocurrency are excluded.
I started the 14-day trial for Individual on 10/08/2026. The summary showed “$288.00 $144.00 billed yearly” and “Pay $0 now,” then asked for a home address “to verify your identity.” I had no test address, so I stopped there. I didn’t reach the step that would ask for an SSN, and I didn’t see the dashboard.
Where it falls short: the renewal price isn’t on the pricing page or the enrollment screen. Aura’s terms say the plan renews at the price in your account dashboard. The crossed-out $288 is twice the price Aura charges. Refunds within 60 days on annual plans are by phone only. On BBB, Aura had 199 complaints in 3 years on 10/08/2026, and my support email from that day hadn’t been answered when I wrote this.
- Results7.0
- Price & value7.0
- Checkout honesty7.0
- Data handling7.0
- Ease of use7.0
- Support7.0
Not ranked. We checked these services from their public pages and documents only, so they get no score and sit below the ranking.
Identity Guard — for the lowest printed renewal price
For people who want dark web and SSN monitoring with insurance for $90 the first year, and don’t need credit monitoring.
- Checkout
- Plan
- Cancel
- Your data
- Eligibility
- Support
- Inside
Paid from $90/yr · verified 10/09/2026
Score pending: for people who want the cheapest paid plan here with the renewal price printed upfront: Value at $90 for the first year, renewing at $107.88. Value has no credit monitoring.
Identity Guard belongs to Aura. Its FAQ says “Aura is the parent company that owns Identity Guard,” and its terms name Aura Sub, LLC, the same company behind Aura’s own plans. The plans page on 10/09/2026 listed three tiers for one adult, each billed yearly: Value at $90.00, Total at $200.04 and Ultra at $300.00 for the first year.
Every plan card printed its renewal price before enrollment: $107.88, $239.88 and $359.88 a year. That’s about 20% more after year one, but you see the figure before you start. Value covers dark web, SSN and high-risk transaction monitoring and a password manager. Credit monitoring at all three bureaus starts at Total, and the Experian credit lock is on Ultra only.
The insurance is expense reimbursement from American Bankers Insurance Company of Florida, an Assurant company, up to $1 million. On family plans, one $1 million limit covers the whole membership. Enrollment runs Email, Name, Address, Personal info, then Finish. Its FAQ lists your SSN among the details it asks for. The email step returned an error to my browser on 10/09/2026, so I didn’t get further.
Where it falls short: the $90 plan doesn’t watch your credit at all. On Trustpilot, Identity Guard had 3.1/5 from 4,480 reviews on 10/09/2026, with only 9 in the past year, while its app store listings claim Trustpilot ratings over 4.5 stars. Refunds within 60 days apply to annual plans only, requested by phone, and monthly plans get none. In 2015, the CFPB sued Intersections Inc., Identity Guard’s former owner, over billing for identity protection products sold through banks (E.D. Va. 1:15-cv-00835).
- Results—
- Price & value—
- Checkout honesty—
- Data handling—
- Ease of use—
- Support—
IdentityForce — for a 30-day trial with $0 due
For people who want a month to try identity monitoring and restoration help before the first charge.
- Checkout
- Plan
- Cancel
- Your data
- Eligibility
- Support
- Inside
30-day free trial · paid from $199.90/yr · verified 10/09/2026
Score pending: for people who want a 30-day trial with $0.00 due today. Its $199.90-a-year entry plan has no credit monitoring, and the renewal price isn’t shown before payment.
IdentityForce is a TransUnion brand. Its enrollment consent names “Sontiq, Inc., a TransUnion Company,” and TransUnion announced it had completed the purchase of Sontiq on 12/01/2021. On 10/09/2026, the cheapest plan for one adult, UltraSecure, cost $199.90 a year or $19.90 a month after a 30-day trial.
UltraSecure covers SSN, dark web and change-of-address monitoring and restoration help, with up to $1 million in expense reimbursement. It doesn’t monitor any credit bureau. UltraSecure+Credit adds monitoring at all three bureaus, a daily TransUnion report and up to $2 million, for $349.90 a year, with no trial shown. Neither plan lists a credit lock or data broker removal.
The sign-up form preselected annual billing and showed “Due Today: $0.00.” Before any payment step, it asked for my name, email, cell phone number and date of birth. I entered nothing and stopped there, so I didn’t see whether it asks for an SSN later. IdentityForce’s terms say the trial needs a card and the plan renews “at the then current rate.”
Where it falls short: it had the lowest Trustpilot score of the seven, 2.6/5 from 903 reviews, and 2.9 on the App Store and 2.4 on Google Play on 10/09/2026. Sontiq’s privacy notice says “We may sell your sensitive personal data,” and it reports denying 539 of 937 deletion requests in 2025. Refunds are pro-rated for the unused part, with no fixed window. In 2023, the CFPB fined TransUnion, its parent, $5 million over credit freeze and lock failures (2023-CFPB-0011); that order ended on 11/03/2025.
- Results—
- Price & value—
- Checkout honesty—
- Data handling—
- Ease of use—
- Support—
IDShield — for three bureaus by the month
For people who want three-bureau monitoring without paying for a year upfront, and who can deal with canceling by email or phone.
- Checkout
- Plan
- Cancel
- Your data
- Eligibility
- Support
- Inside
Paid from $14.95/mo · verified 10/09/2026
Score pending: for people who want three-bureau credit monitoring at $19.95 a month without a yearly commitment. Checkout asks for your birth date and the last 4 digits of your SSN before payment, and canceling takes an email or a call.
IDShield is sold by Pre-Paid Legal Services, Inc., which does business as LegalShield, in Ada, Oklahoma. You can buy it online or through LegalShield’s independent associates and employers. Online on 10/09/2026, it sold monthly plans only: Individual at $14.95 a month with monitoring at Experian, or $19.95 with all three bureaus. Family plans were $29.95 and $34.95. Its FAQ mentions annual billing, but I found no yearly price.
Restoration is run by licensed private investigators, per the plan page. The credit score is Experian’s only, monthly, even on the three-bureau plan, and there’s no credit lock. The “up to $3 million identity fraud protection” is reimbursement underwritten by American Bankers Insurance Company of Florida, an Assurant company. I couldn’t find its summary of benefits, limits or exclusions on idshield.com or legalshield.com.
I took the one-bureau Individual plan to checkout with New York as the state. The order summary showed “Monthly total $14.95/mo” and “Total due today $14.95,” with no tax line and no renewal text. The form required name, home address, phone, date of birth and the last 4 digits of the SSN before “Continue to payment.” I entered none of them.
Where it falls short: three of its own pages give three ways to cancel. The FAQ says in writing by email, the contact page lists only a phone line (844) 714-8494, and LegalShield’s cancel page adds a letter to Ada. I found no online cancel button and no refund policy. Support by phone and chat runs 7 a.m. to 7 p.m. Central time on weekdays, with a 24/7 line for identity theft emergencies only.
- Results—
- Price & value—
- Checkout honesty—
- Data handling—
- Ease of use—
- Support—
Experian IdentityWorks — for a free credit monitoring tier
For people who want to start with free monitoring of their Experian file and upgrade to three bureaus only if they need it.
- Checkout
- Plan
- Cancel
- Your data
- Eligibility
- Support
- Inside
Free · paid plans from $24.99/mo · verified 10/09/2026
Score pending: for people who want to start free. Basic monitors your Experian file at no cost, and Premium adds three bureaus and up to $1 million in insurance for $24.99 a month. There’s no yearly price, and no refund after the trial.
Experian is one of the three credit bureaus, and it sells identity protection through ConsumerInfo.com, Inc., its consumer arm. Its plans page on 10/09/2026 listed Basic for free, with an Experian credit report, a FICO Score and Experian-only monitoring. Experian IdentityWorks Premium came with a 7-day trial, then $24.99 a month, and Family cost $34.99 a month for two adults and up to 10 children.
Premium lists monitoring at all three bureaus, SSN trace alerts, Experian CreditLock and up to $1 million in insurance underwritten by AIG companies. The summary of benefits sets a $1,000,000 aggregate limit, lost wages up to $1,500 a week for 5 weeks, and a $0 deductible. Experian says Equifax and TransUnion monitoring takes about 4 days to begin, so part of a 7-day trial may run on one bureau.
The fine print under the plans says a credit card is required for the trial and that Premium then bills “$24.99 plus applicable sales tax each month.” Its terms say an account takes your SSN, birth date and address. The sign-up page blocked my browser on 10/09/2026, so I didn’t see the form or the total.
Where it falls short: at $24.99 a month, Premium comes to $299.88 over 12 months, plus tax, and the terms rule out prorated refunds after you cancel. BBB rated Experian Consumer Services F with 884 complaints in 3 years on 10/09/2026. The CFPB fined Experian $3 million in 2017 over how it marketed credit scores, and sued it in 01/2025 over how it handles credit report disputes; that case was still open (C.D. Cal. 8:25-cv-00024).
- Results—
- Price & value—
- Checkout honesty—
- Data handling—
- Ease of use—
- Support—
Zander — for a low price on a large family
For families who want restoration help and reimbursement at a low price, and will watch their own credit reports.
- Checkout
- Plan
- Cancel
- Your data
- Eligibility
- Support
- Inside
Paid from $75/yr · verified 10/09/2026
Score pending: for families who want restoration help and up to $1 million per adult in reimbursement for $145 a year, two adults and up to 10 children. No Zander plan includes credit monitoring.
Zander is an insurance agency in Nashville, and its pages say the plan is endorsed by Dave Ramsey. On 10/09/2026, zanderins.com refused our connection with an HTTP 403 error, so the plan details here come from archived copies of its pages on the Wayback Machine, dated 07/12/2026 and 07/25/2026. That’s why this section has no screenshot of my own.
The archived plans page listed Essential Individual at $6.75 a month or $75.00 a year, and Essential Family at $145.00 a year. Elite was $130.00 a year for one adult and $240.00 for a family, adding an Experian credit lock, home title monitoring, a VPN and antivirus. Every plan lists dark web, SSN and change-of-address monitoring, with 24/7 restoration help.
Zander’s own FAQ answers “No” when asked if its plan is credit monitoring and points members to free weekly reports at AnnualCreditReport.com. Its 2025 reimbursement terms name American Bankers Insurance Company of Florida, an Assurant company, as the insurer, though the product page also says “This is not an insurance product.” I couldn’t see the checkout.
Where it falls short: no credit monitoring at any bureau, on any plan. The renewal price isn’t stated as a number: the terms say it renews “at the rate then in effect.” Two archived documents disagree on how to cancel, one saying to contact Zander and the other to use Account settings. Monthly plans get no refund. Its apps had 2.2/5 from 70 ratings on the App Store and 2.8 from 104 reviews on Google Play on 10/09/2026.
- Results—
- Price & value—
- Checkout honesty—
- Data handling—
- Ease of use—
- Support—
What we don’t recommend (and why)
No identity theft protection service is on our list of what we don’t recommend yet. What I’d skip, whoever sells it:
- A plan you think is credit monitoring that isn’t. Three of the cheapest plans here monitor no credit bureau. Check the plan page for “3-bureau credit monitoring” by name.
- A headline insurance number you haven’t matched to your plan. LifeLock’s home page leads with “up to $3M,” while Core covers stolen funds up to $25,000.
- Insurance with no published terms. IDShield’s “up to $3 million” had no summary of benefits I could find. Ask for it before you pay.
- A renewal “at the then current rate.” If the price after year one isn’t printed, write down the date and check your account before it renews.
- A promise to stop identity theft. No service can, and in 2010 the FTC fined LifeLock over claims like that (ftc.gov).
How to choose: buying guide
Do you need credit monitoring at all three bureaus?
A lender can pull any one of your three credit files, so one-bureau monitoring misses new accounts reported to the other two. Among the plans here, Aura lists three bureaus on every adult plan. Identity Guard starts three-bureau monitoring at Total, IdentityForce at UltraSecure+Credit, IDShield on its $19.95 plan and Experian on Premium. LifeLock Core monitors two. If you only want to block new credit, the FTC says a freeze at each bureau is free (consumer.ftc.gov). Our free credit monitoring guide covers how to place one.
What does the “$1M insurance” cover?
It’s a total limit, not a payout. Most of these plans call it reimbursement for costs and stolen funds after you report a loss, under a group policy from an insurer: Assurant’s American Bankers for Aura, Identity Guard and IDShield, AIG companies for Experian. Each has sub-limits and deadlines. Aura asks you to report within 60 days, and Experian caps lost wages at $1,500 a week for 5 weeks. Family members who caused the loss and cryptocurrency are common exclusions. Identity theft insurance goes through it.
Will they ask for your SSN?
Expect it for credit monitoring. LifeLock asked for the last 4 digits on a phone-width checkout, and IDShield for the last 4 plus your birth date, both before payment. Aura asked for a home address first. If you won’t give an SSN, a plan without credit monitoring or a free freeze is what’s left. How to protect your SSN covers the free locks.
Individual or family plan?
Read how the limit is shared. Identity Guard’s family plans carry one $1 million limit for the whole membership. Aura Family has $5,000,000 per membership for five adults and unlimited kids. Zander’s family plan covers two adults and up to 10 children for $145 a year, without credit monitoring. Experian Family covers two adults and up to 10 children for $34.99 a month.
Already a victim? Start for free
Report it at IdentityTheft.gov, the FTC’s site, which builds a recovery plan and an Identity Theft Report. Place a fraud alert or a freeze, and pull your free weekly reports at AnnualCreditReport.com. Our steps for when your identity is stolen go in order, and is identity theft a federal crime covers the law. A paid plan helps with what comes after, not with the first report.
What we checked
- Aura: Individual trial enrollment up to the home address step on 10/08/2026, pricing page, terms, help center, $1M and $5M insurance summaries, one support email (no reply when this page was written)
- LifeLock: Core checkout up to the payment step on 10/08/2026 (card and SSN asked), Norton renewal price list, insurance policy summary, help center, one chat question (reply in about 2 minutes, data deletion part unanswered)
- Identity Guard: plans page, plan comparison and enrollment step 1 of 5 on 10/09/2026 (the email step returned an error), FAQ, terms of 03/04/2026, $1M summary of benefits — desk review, no account
- IdentityForce: pricing page and sign-up up to step 2 on 10/09/2026 (name, email, mobile, birth date asked), terms, FAQ, privacy notice — desk review, no account
- IDShield: plan pages and checkout with New York selected up to the security fields on 10/09/2026 (birth date and last 4 SSN asked before payment), FAQ, terms, privacy policy — desk review, no account
- Experian: plans page, Premium benefit list, trial fine print and summary of benefits on 10/09/2026; the sign-up page blocked our browser; terms revised 08/31/2026 — desk review, no account
- Zander: live site refused our connection (HTTP 403) on 10/09/2026; plans, FAQ, terms and reimbursement terms read from Wayback copies dated 04/27/2025 to 07/25/2026 — desk review, no screenshot
- All seven: Trustpilot, BBB and app store ratings read 10/08–10/09/2026; FTC, CFPB and state attorney general actions searched on their own sites; no card or SSN entered anywhere; cancel steps from help centers and terms, not tested
- Where the run stopped: before payment everywhere. Aura stopped at the home address step, LifeLock at the card and SSN fields, IDShield at the birth date and last 4 SSN fields, IdentityForce at the name, phone and birth date form, Identity Guard and Experian at sign-up pages that blocked our browser, and Zander’s site refused our connection. No account was opened, so no dashboard, alert or restoration was tested.
FAQ
What do ID theft protection services actually do?
They watch for signs that someone is using your identity: new credit in your name, your SSN or email in breach data, address changes, and on some plans bank transactions or home titles. They alert you, help you restore your identity, and reimburse some costs up to a limit. They can’t stop a thief from trying. This is not legal or financial advice.
Which identity theft protection plan monitors all three credit bureaus for the least?
On a yearly plan, Aura Individual at $144 for the first year, checked 10/08/2026; its renewal price wasn’t shown before payment. Identity Guard Total was $200.04, renewing at $239.88. By the month, IDShield’s three-bureau plan was $19.95 and Experian Premium $24.99. Identity Guard Value, IdentityForce UltraSecure and every Zander plan monitor no credit bureau at all.
Is an ID theft protection plan worth it?
It depends on what you’d do yourself. The FTC says a credit freeze at Equifax, Experian and TransUnion costs nothing, and you can pull free credit reports every week. What a paid plan adds is monitoring you don’t have to remember, restoration help and reimbursement. Read the insurance limits before you pay: on 10/08/2026, LifeLock Core covered stolen funds up to $25,000.
Will an identity theft protection service ask for my SSN?
Usually, because credit monitoring needs it to find your files. LifeLock and IDShield asked for SSN digits before payment in the checkouts I saw. Identity Guard’s FAQ and Experian’s terms list the SSN among sign-up details. I entered it nowhere, so none of the dashboards were tested.
Is Zander ID theft protection good?
It’s the lowest price in this comparison, $75 a year for one adult and $145 for a family, per archived copies of its site from 07/2026. But no Zander plan includes credit monitoring. Its own FAQ tells members to pull free weekly reports at AnnualCreditReport.com. Zander’s site refused our connection on 10/09/2026, so I couldn’t see its checkout.
What is the difference between identity monitoring services and credit monitoring?
Credit monitoring watches your files at the credit bureaus for new accounts and inquiries. Identity monitoring watches other places: breach data, the dark web, change-of-address records, court and payday loan records. Some plans here sell identity monitoring alone, which is why the cheapest plans from Identity Guard, IdentityForce and Zander include no credit monitoring.
Can I get my money back if I cancel?
Aura and Identity Guard refund annual plans within 60 days, by phone. LifeLock gives 60 days on annual plans. IdentityForce refunds the unused part. Experian’s terms rule out prorated refunds after the trial, and I found no refund policy for IDShield. None of this was tested; it comes from each company’s pages.