fbpx

Best Identity Theft Protection for Seniors in 2019

Your identity tells the story of who you are and where you fit into this world, and it must be protected at all times. Protecting and guarding your valued identity against digital predators should be important to you as it’s much easier to prevent potential issues then work through fixing them when you’re in deep hot water. 

 

A proactive approach towards keeping your identity safe is to get professional help from a company that specializes in identity theft protection. How it works is an identity theft protection company will handle everything for you to keep your identity shielded from the bad guys, but if anything of concern happens you are then alerted and the identity infraction will be effectively managed accordingly. Seniors want to maintain a clean and clear identity, and thanks to the providers who offer these types of services, identities can be protected much like how security systems protect homes against theft and burglaries. 

 

There are many good identity management options on the market today, but some are better than others. Seniors will want a good mix of dependable protection, fantastic customer service, and features which have been designed to provide a great overall identity theft protection experience. Seniors should deal with a provider that use high-tech products to ensure credit reports are constantly being monitored, and there are no vulnerabilities that could be problematic – but if there are, then alerts come in real-time so the pressing situation can be dealt with immediately. 

 

The majority of the top identity theft protection companies provide both alert and resolution services so that you don’t need to spend the time and effort to restore your identity back to good health, you just assist them with certain information they need to do their job well. Other key features you will likely want in an identity theft protection plan are Social Security monitoring, credit monitoring, non-credit monitoring, and black-market surveillance.

Below are our top 10 company picks for identity theft protection for seniors. 

  • Identity Guard – Have a rich history of offering award-winning services and customer satisfaction ratings – Identity Guard offers plans to help protect customer’s personal, financial and online information every second of the day. They have three plans which have been designed for individual consumers, and three plans which are aimed at providing family coverage. The higher-end family plans include notifications for potential cyberbullying against children, and the company leverages powerful IBM Watson Artificial Intelligence.

  • LifeLock – LifeLock offers customers a $1 million dollar protection package and sell three different plans, including one specifically for seniors entitled LifeLock Senior. LifeLock provides proprietary alerts, Online Security Protection by Norton, 24/7 customer support, and a two-month money-back guarantee.

  • IdentityForce – Boast one of the most comprehensive and thorough identity theft protection services in the industry today. Identity Force offers two protection plans in addition to a ChildWatch service that can be added for parents to monitor their kids – this service provides real-time alerts for the incredible monitoring, 24/7 customer support, and a complimentary two-week trial period as well. 

  • ID Watchdog – This top-tier identity theft protection company is always evolving and improving its services and emerging security threat technology. ID Watchdog provides 24/7 customer support to customers and is available in 100 different languages with fully managed resolution services. They provide up to a $1 million coverage policy and full identity restoration services.

  • Experian IdentityWorks – Are one of the top three credit reporting bureaus in the country, and they have expanded their services to include complete identity theft protection for individuals of all ages. With Experian IdentityWorks, customers have 24/7 support, various credit monitoring options, and useful tools that secure personal information.

  • PrivacyGuard – With $1 million in protection, PrivacyGuard provides a remarkable level of protection for as low as $9.99 per month. Their overall offering is reliable, easy-to-use, and their basic solution for identity theft is ideal for most seniors. Their round the clock customer support is just a call away, and professionals are ready to help whenever needed.

  • MyIDCare – Have proven themselves in the identity theft protection industry, and have been taking care of individuals since 2003. They provide $1 million in protection and offer a 100% guarantee for recovery if they can’t remove the information from your account after an identification incident occurs. Their services are reliable and moderately priced, and for most seniors, they are a sound option to consider.

  • Zander Identity Theft – Endorsed by Dave Ramsey, Zander is one of the most affordable of all identity theft protection services. It doesn’t provide the ability to do credit monitoring, but it does provide a well-rounded protection means at a low price point.

  • IDShield – Have a balanced and reliable solution – IDShield provides up to $5 million in protection for identity theft protection. The professional team is based in the U.S. and are available to help customers 24/7, and protection against most risks is instant.

IDnotify – Developed and designed by Experian – IDnotify is a dependable service with numerous plan options to select from for seniors. It has financial account takeover if required, credit monitoring, and extensive restoration services if identification problems take place.

How We Built Our Top 10 Identification Theft Protection List

We started out by putting together a sizeable list of well known and highly regarded identity theft protection services in the industry and then whittled the list down to our top 10 by factoring in protection offered, reputation, reviews, user feedback, customer service ratings, and other elements that we deemed important to seniors. Seniors are regular victims of identity theft crimes, so we wanted to do our part in helping you and others fend off criminals who are looking to hurt the most vulnerable. 

 

14 Service Companies Examined

10 Service Companies Selected

8 Experts Consulted

12 Hours of Research Conducted

1. Identity Guard

 

Ease of Use

Excellent

Service & Response

Excellent

Features & Tech

Excellent

Pricing

Excellent

Overview

Identity Guard was founded in 1996 and has made tons of great progress over the years by providing customers with modern identity theft protection for today’s high-paced tech world. The company can be counted on for reliable services, and part of that is thanks to their integration with IBM’s Watson – an artificial intelligence program. Identity Guard has been honored by the Online Trust Alliance and Online Trust Audit for many years in a row for operating within high-quality business practices. 

 

Their technology is what really fuels the company to offer customers fantastic features such as identification monitoring, Social Security monitoring, risk management score information, and other beneficial services. They offer customers $1 million in insurance, and their team operates out of the U.S. – so Identity Guard is a wonderful fit for many of its customers. 

 

View Plans

Pros
  • Credit and banking information is provided via real-time alerts 

  • They have credit monitoring from three bureaus

  • Their services leverage IBM Watson Intelligence

  • Provide social security and identity monitoring

  • Offer risk management score information

  • Have computer data protection and dark web monitoring

  • The team is domestically based  

  • Customer support and restoration specialists operate around the clock 

  • $1 million insurance with stolen funds reimbursement

  • Have a mobile app with anti-phishing functionality 

Cons

 

  • Their premium plans are costly

  • Their lower-level plans are limited in services provided  

Pricing

Plans for individuals from Identity Guard range in price from $8.99 to $24.99 monthly and their family plans are $14.99 to $34.99 per month. To save some money for their customers they offer discounts when paying for a whole year upfront, and their family plans are a fairly good value considering they take care of every member. There are also additional services that can be tacked-on for additional coverage including notifications for bank account takeover, high-risk transactions, and new accounts opened, and they also have a social insight report option as well. 

 

The level of protection is superior in comparison to most of their competitors, and seniors who want state-of-the-art identity theft protection confide in Identity Guard. A great aspect of their services is that you can subscribe and then leave everything completely in their hands without having to manage anything yourself. The costs to benefits ratio is strong, making Identity Guard a solid value proposition to customers. 

The Bottom Line

For seniors who highly value identity theft protection and price isn’t the most important factor, will be attracted to Identity Guard for their needs. With 24/7 customer service and restoration specialists readily available to help customers whenever needed, there are lots to like about Identity Guard.

2. LifeLock

Ease of Use

Excellent

Service & Response

Excellent

Features & Tech

Excellent

Pricing

Excellent

Overview

LifeLock has built a solid brand since their doors opened in 2005, and are regarded as a market leader within the identity theft protection industry. They now have over 4.4 million customer accounts, their services have a strong collection of benefits, their 24/7 customer service has won awards and this department and their restoration specialists are based in the U.S. 

 

Some of their signature features offered include lost wallet protection, credit bureau monitoring, USPS address change service, and they back up their services with a money-back guarantee so customers can feel confident in doing business with them. If any losses are incurred from identity theft activities, then LifeLock offers legal defense coverage if needed, and will reimburse out-of-pocket expenses.  

Pros
  • Privacy monitoring via a mobile app

  • Credit bureau monitoring

  • Three annual credit reports included

  • Dark web monitoring

  • Alerts for credit, investments, and bank accounts

  • Reimbursement of stolen funds, and compensation for corresponding personal expenses

  • Up to $1 million in protection

  • Lost wallet protection

  • USPS address change verification

  • Coverage is available for experts and lawyers

  • 60-Day money-back guarantee

Cons

 

  • No accreditation or rating from the Better Business Bureau

  • Live support is exclusively provided to customers who are o the top tier package only

Pricing

They have three identity theft protection plans that range in price from $9.99 to $19.99 per month, and they also throw in Norton Internet Security at no additional charge for up to five devices. An add-on named LifeLock Junior can be incorporated into any package for $5.99 monthly, and if a customer pays for a full year then he or she is offered service discounts. Some additional value-added perks include alerts pertaining to fictitious identity creation, sex offender reports, bank takeover, opening a new account, and data breaches. Overall, for the level of identity theft protection provided, their price points are very reasonable. 

The Bottom Line

 

There are a few things to appreciate about LifeLock – their mobile app is easy to use, up to $1 million in losses can be accommodated, they have credit monitoring protection, and alerts for financial account activity are certainly useful to have. 

3. IdentityForce

 

Ease of use

Excellent

Service & Response

Excellent

Features & Tech

Excellent

Pricing

Excellent

Overview

IdentityForce has truly become a force within the identity theft protection industry, especially since their partnership agreement came to fruition with EZShield. The company has been in the industry for over 40 years, have respectfully earned an A+ rating from the Better Business Bureau, and have built up a lot of trust equity with their customers. 

 

Seniors take much into consideration before choosing an identity theft protection provider, and highly value 24/7 real-time monitoring for always-on protection, along with strong customer service that can be reached anytime – both IdentityForce has in spades. They also have credit and banking alerts, $1 million worth of protection, restoration services who are administered by certified professionals, and other attributes that matter to seniors. 

 

View Plans

Pros
  • 24/7 real-time monitoring, alerts and live support

  • Advanced detection technologies 

  • Credit and banking alerts

  • Advanced fraud monitoring for the dark web, government agencies, and other entities 

  • 100% identity recovery guarantee

  • Nine tools for privacy and credit monitoring

  • Replacement of stolen funds 

  • $1M identity theft insurance coverage is available

  • Fully managed restoration

Cons

 

  • Their cost structure is well-above the average provider

  • Cancelation must be done manually post-trial period 

Pricing

IdentityForce has two protection plans available for purchase – they range from $17.99 to $23.99 per month, or $179.90 to $239.90 annually. Their ChildWatch service is an add-on available for families, but the higher-level plan includes sex offender monitoring, court record notifications, social media identity monitoring, and address alerts. 

 

Seniors who are value-based shoppers won’t likely become customers of IdentityForce, but their higher-priced services are still considered fair for those who need complete coverage. Their annual plans essentially provide customers with two free months, which is a nice advantage for seniors who can afford to pay more upfront. 

The Bottom Line

 

There is a free trial available to test out the service before deciding whether or not to shell out hard-earned money. The comprehensive coverage of monitoring and the restoration of stolen funds makes IdentityForce an intriguing option for seniors to mull over. Their advanced detection technologies helps to minimize potential risks and prevent issues from becoming a reality. 

4. ID Watchdog

 

Ease of Use

Excellent

Service & Response

Above Average

Features & Tech

Excellent

Pricing

Excellent

Overview

ID Watchdog has been a player in the identity theft protection industry for 14 years and maintains a strong A+ rating from the Better Business Bureau. They have real-time alerts that can come through either your mobile phone as SMS, or be sent to your email account when questionable activities are taking place. Their monitoring technologies tracks billions of data points so that your information is always being watched closely under a microscope, and if anything represents suspicious activity then it can be acted upon immediately. The Consumer Federation of America has recognized ID Watchdog as a top identity theft protection company, and customer’s echo that sentiment with their ongoing loyalty to them. 

 

ID Watchdog offers a complete solution for customer’s who seek out strong identity theft protection, and their support infrastructure rounds out the excellent user experience. A unique aspect about them is that they provide a 100% resolution guarantee – something most of their competitors won’t get behind. They also offer non-credit monitoring which customers quickly learn to appreciate in their plan. 

Pros
  • Proprietary identity theft detection technology is at their core 

  • Provide black market surveillance

  • Have live support and services in more than 100 languages

  • Offer credit report monitoring and score

  • Stand behind their 100% resolution guarantee

  • Three types of credit reports monitoring are available

  • Provide cyber monitoring functionality 

  • Rehab services can be tapped into for pre-existing identity theft happenings

  • Also have non-credit monitoring

Cons

 

  • Their services are a bit limited in scope in comparison to other identity theft providers

  • If a pre-existing identity threat exists, then the customer is charged an extra fee to clean that situation up  

Pricing

Two protection plans are available from ID Watchdog – a basic option exists for $14.95 per month, and a premium solution is offered at $19.95 on a monthly basis. Lower rates can be secured if a plan is purchased annually versus monthly. Some valuable alert services are rooted in the plans such as public record searches, hacker forums, and black-market surveillance. Their certified identity theft risk management specialists are always available to help with credit corrections and identity restorations. 

 

Pricing is quite good overall, and paying an extra $5 per month for the premium plan is recommended to gain many more features over their basic plan. Most seniors can adequately fit either of these plans into their spending budget, and the coverage is worth it for peace of mind. 

The Bottom Line

 

Taking them up on their pre-existing identity theft services is a good idea to right your name if a negative occurrence took place, it’s worth the cost as it’s a hard service to find elsewhere. Overall, their complete offering is excellent, they provide assurances, and their team is on your side when needed – making ID Watchdog a top provider to do business with. 

5. Experian IdentityWorks

 

Ease of Use

Excellent

Service & Response

Above Average

Features & Tech

Above Average

Pricing

Above Average

Overview

Have spun out an identity theft protection entity from their credit reporting bureau organization – one of the largest in the country, in fact. Experian IdentityWorks views the industry from the inside out – has built their technology through a strong understanding of identity theft, and that benefits their customers who can be targeted by those looking to do harm for their benefit. Thanks to their monitoring from all three primary credit reporting bureaus, their identity restoration tools, and specialists who are well armed to fix all kinds of problems – Experian IdentityWorks is a supreme provider for seniors who want elite protection from scam artists. 

 

A nice aspect about this provider is that they provide a free trial that lasts for 30-days, giving potential customers a month to experience the value they provide, and to determine if their services are appropriate to address their needs. 

Pros
  • Offer social security monitoring

  • Up to $1 million in identity theft insurance

  • Help with lost wallet situations

  • Tracks social media posts 

  • Deep identity theft monitoring and alerts

  • Dark web monitoring

  • They guarantee full identity restoration

  • Have credit monitoring and alerts

  • On the pulse of bank account and credit takeover attempts

  • Their services can be tried out for free for 30 days 

Cons

 

  • Their family plans come in at a high price point

  • Manual cancellation must be done before the trial period expires, otherwise, the customer is billed accordingly 

Pricing

Their tools are easy to use, and their apps are easy to configure and operate. They have SMS alerts that can be immediately sent out to customers if they want to know right away if any suspicious activity with their name attached is happening. More included services are payday monitoring, change of address verification, and black-market surveillance. Their plans range in price from $9.99 to $29.99 depending on the level of protection desired. Their pricing is fair based on what they bring to the table with regards to services, and the mid-tier solutions are sufficient for most senior’s identity theft protection needs. 

The Bottom Line

 

Experian IdentityWorks has beneficial services, and for most seniors, they can be well taken care of by the provider. There’s a lot to like about the company, and their credit reporting bureau roots is a big advantage in comparison to most other identity theft protection providers who can’t boast that powerful fact. 

PrivacyGuard

Ease of Use

Above Average

Service & Response

Above Average

Features & Tech

Above Average

Pricing

Above Average

Overview

PrivacyGuard is committed to providing its customers with a good selection of services so that they can effectively manage their identity. They have good support staff in place to help out with any help needed, credit disputes, or reports that need to be filed to deal with issues. Seniors enjoy PrivacyGuard as they provide easy to use personal information monitoring tools, and keeping tabs on financial data – making this provider a decent option. Their services are pared down in comparison to the average identity theft protection company, but it’s the simplicity and dependability that seniors enjoy in this solution, plus the pricing is attractive as well. 

 

They have a few useful features including identity theft protection, educational tools for identity protection, identity fraud resolution support, and credit card protection. You can be notified if any identity theft issues pop up, and there is consistent support to ensure your experience is a good one. Their fraud resolution team kicks into action when an issue arises, and you can work in close relation to them during this time. Credit reports are scanned daily within their platform, and whenever an abnormality is detected – you will know in real-time. You also receive your credit score on a monthly basis, so you can review it regularly and know where you stand. 

Pros
  • Monitors identity in addition to credit 

  • There are a variety of plans to pick from

  • A suite of tracking tools 

  • Online fraud assistance

  • $1 million in identity theft insurance is provided

  • Educational resources are always available to inform customers about credit and identity theft protection

  • Lower-tier plans are affordable for seniors

Cons

 

  • Their top plans are a little more expensive 

  • Bank accounts can’t be monitored

  • Antivirus software isn’t available with a plan 

  • Identity resolution tools exist but are limited in scope 

Pricing

There are three protection plans available, we detail them below. 

 

  1. PrivacyGuard ID Protection – Is $9.99 per month after the first 14 days of use which comes for a dollar. Features include $1 million in identity theft insurance, dedicated identity fraud resolution support, identity verification monitoring, black market website monitoring, Social Security number event tracking, online directory scan, annual public records reports, and online fraud assistance. Less pre-approved credit card offers will come in your mail, and you can gain assistance if any of your financial cards are lost or stolen. 

  2. PrivacyGuard Credit Protection – The first 14 days are offered for $1 while you try the service, then you are billed at $19.99 monthly after trial expires. Some of the features entail 24/7 credit monitoring, dedicated identity fraud resolution support, credit report monitoring and scores from each of the three credit bureaus, monthly credit score tracking, a credit card simulator, and financial calculator tools. A credit information hotline is also available to call into for help. As you can see, this plan is really focused on credit score information which is generally less of an interest to seniors. 

PrivacyGuard Total Protection – For $24.99 per month after the one dollar cost of the 14 day trial period – you get everything from the first two plans, so you get a much more complete set of features and tools to keep your identity safe and secure, and assistance when something pops up that needs your attention. 

The Bottom Line

Their solutions are good for seniors who want lightweight services that are easy to understand and use. The support is there when needed, and the cost, especially for the lowest-cost plan is affordable for all budgets. If an identity problem is detected you have a fraud alert team that backs you to sort things out. Their services and support in combination are a good solution, especially when you need help in dealing with dispute claims and wanting a quick resolution. Anything on your report that you don’t recognize can be inquired about any hour of the day, and their support team is always ready to spring into action when called upon. 

 

When any kind of identity theft activity occurs – whether that is an account being opened under your name, a public record that involves you, or an address change that isn’t true, help is always available to deal with these stressful issues. Up to 10 credit cards can be watched at any given time too. Seniors who want a decent amount of identity protection at a low price should give PrivacyGuard a fair shake to become their provider. 

 

7. MyIDCare

Ease of Use

Above Average

Service & Response

Above Average

Features & Tech

Above Average

Pricing

Above Average

Overview

MyIDCare has been an identity theft protection provider since 2003, and have a few core elements that make the provider a solid option. Their reputation is in good standing, they have a team of experts that will give you all the help you need, their price points are decent and they have a money-back guarantee – so you can trust their services offer value to customers. 

 

MyIDCare can be counted on to deliver what they promise, using their services are easy, but on the negative side of things, they don’t have 24/7 coverage so seniors aren’t always protected, and they don’t have an antivirus software component in their offering. 

 

Their services have a good mix of features including credit monitoring for any credit inquiries or address changes, and CyberScan helps with identifying anyone who breaches personal information. If any identity issues crop up, their Recovery Superheros come to the rescue with one on one support to resolve them. $1 million helps to cover any legal fees or losses through fraudulent activity, and their 100% recovery guarantee ensures that no losses will occur.

Pros
  • There are a few plans to choose from and their pricing is competitive 

  • $1 million in identity theft insurance is available

  • A complete recovery guarantee is provided

  • Certified experts don’t limit how much help you can receive from them 

  • Recovery specialists provided with dedicated assistance 

  • Credit monitoring and identity protection monitoring

  • Nine types of identity theft are covered for well-balanced coverage 

Cons

 

  • Pricing is high on the high-end plan

  • No 24 hours, 7 days a week protection provided

  • No plan has antivirus software

Pricing

There are options for individuals and families, for seniors they will likely be most interested in one of the two individual plans – either MyIDCare Essentials or MyIDCare Premier, and we break down both below. 

 

  1. MyIDCare Essentials – This plan runs at $9.95 per month and has a few features such as single credit bureau monitoring, dark web CyberScan, $1 million in insurance, scam alerts, protection advice, password detection, lost wallet coverage, court record monitoring, Social Security fraud tracking, and a monthly overview of account activities. They have a money-back guarantee, and the team is based in the U.S. 

  2. MyIDCare Premier – Offered at $19.95 per month – everything is included from the Essentials plan plus monitoring from all three credit bureaus, credit score management, instant inquiry alerts, and Credit Lock by TransUnion. 

 

The family plans help to cover a few members in a family – the Essentials plan is $19.95 monthly, and the Premier plan rings in at $39.95 per month. 

The Bottom Line

MyIDCare is very focused on credit protection, their identification management is decent for the Essentials plan, but that plan’s limitation on just one credit bureau for monitoring may miss something, as the other two bureaus will have additional sets of data and information to draw from. 

 

Customer service can be counted on for help, and the monitoring services cover Social Security, medical, security, financial, driver’s license, and employment-related activity. The $1M in coverage is a market standard, but certainly good to have in case of stolen money or if out of pocket expenses surface. 

 

The recovery guarantee is a significant advantage to pay attention to, as not every provider will stick their neck out like this for their customers. Up to a year’s worth of fees are refunded if they can’t successfully remove all identity impurities from a customer’s record. Removing some identity issues can be challenging, so for a company to get behind their restoration efforts is reassuring for customers- especially those who have been let down by another provider in the past. 

8. Zander Identity Theft

 

Ease of use

Average

Service & Response

Average

Features & Tech

Above Average

Pricing

Average

Overview

Zander Insurance Group is a company that has been in business for almost 100 years now since 1925 – the identity theft protection arm of their organization was created in 2010. They are a good viable option for seniors as their pricing is quite low in relation to competitors, they play nice and are committed to offering quality services to their customers. 

 

Credit monitoring services aren’t provided by Zander, so this is a large reason why they can offer plans at low price points. Many seniors have left credit behind, so this group will like that prices are lower thanks to the credit monitoring being left off their services. Aside from the credit part of the equation, their services are well rounded and fit with many senior’s identity protection needs. 

 

Unlimited restoration services are offered which seniors are really after since help is valuable when something negative occurs. Seniors who are raising a grandchild will find value in their child identity theft protection. 

Pros
  • Their solutions are priced low and fit well into limited senior budgets

  • $1 million in identity theft coverage is provided if needed to cover losses or expenses

  • Expense protection service

  • Unlimited assistance for restoration efforts

  • Free child protection provided through a family plan

  • Have 93 years of business experience

  • Child identity theft protection is available

  • Covers lost wages due to an identity theft infraction – up to four weeks and upwards of $7,500 per week

Cons

 

  • Does not provide credit monitoring services, so no bureau information

  • Limited information available online, so calling in to speak to a support team member is necessary

Pricing

The affordability of Zander Insurance Group is appealing, but the plan options are limited. The costs for an individual is $6.75 per month, and families pay $12.90 for their plan on a monthly basis. Annual plans are even less per month – individuals pay $75 each year, and families fork over $145 every 12 months. The services are limited but the core of identity protection is provided, and at prices that anyone or any family can afford to purchase. 

The Bottom Line

Zander collaborated with Dave Ramsey to create identity theft protection solutions, and the lightweight services were streamlined and packaged to be low-cost. There is monitoring and alert functionality, and when any personal information changes occur – you can trust that you will be informed shortly after. 

 

All types of fraudulent activity are protected against – tax, medical identity, financial, child identity, employment, title, and other fraud categories are monitored. If financial risks are identified then customers will be notified, even with no credit monitoring being offered in a plan. The customer service line is always open, and all team members are U.S. based which makes communication simple and relatable. If you still use credit cards for your spending needs then Zander may not make sense for your needs as there’s no credit scores, annual reports, or bureau monitoring. As long as you feel comfortable monitoring your own credit reports manually though, then this reality won’t be a significant factor. We recommend AnnualCreditReport.com if your identity theft protection provider doesn’t offer credit management tools. 

9. IDShield

 

Ease of Use

Average

Equipment

Average

Service & Response

Average

Features & Tech

Average

Pricing

Average

Overview

IDShield is a byproduct of LegalShield and has been selling its services to the U.S. population since 2001. Their coverage is deep, going as high as $5M in insurance coverage, and they monitor credit and identity sources to ensure customers are protected. Their tools and technologies are upgraded often, and those who want a modern provider who’s large in size will appreciate what IDShield has going for them. 

 

What separates IDShield from most of the other providers is their protections offering includes privacy, security, and even supports social media content. If anything happens that needs to be dealt with, then IDShield gets on the case to restore their customer’s identity. Some key features provided are password management, emergency support members are available to help anytime, service guarantee, and their recovery services are among the elite. No antivirus software is included in a plan, but seniors who don’t use computers won’t care about this anyway. 

Pros
  • 24/7 emergency service is available if necessary

  • Both individual or family plans are available, and seniors can add a grandchild

  • Modestly priced coverage can be had 

  • One of the top providers in terms of identity theft insurance coverage as they offer up to $5 million 

  • Identity theft resolution experts work hand-in-hand with victims 

  • A rich source of online information about the topic of identity theft protection 

  • Limited power of attorney support through pre-paid legal service

Cons

 

  • No antivirus software offered 

  • The comprehensive plans come at a cost

Pricing

IDShield takes care of both individuals and families with child monitoring services – services can slightly differ from state to state, and pricing fluctuates depending on where an individual or family resides. Plans include tools including alerts for hard inquiries on credit reports, high-risk applications, transaction monitoring, and investment account tracking. Monitoring is rounded out with privacy, security, and social media, and there are no consultation limitations. Their restoration services are always standing by to address issues, just in case a violation occurs. 

 

Individuals can expect to pay around $12.95 monthly depending on the state, and families will be in the neighborhood of $27.95 per month. A family plan includes two adults plus up to 10 dependent children. 

The Bottom Line

IDShield has over 1 million protected people in their network which is impressive. Individuals and families get to take advantage of modern technology to monitor identity and credit activity, and restoration services are available to leverage if needed. The $5M for insurable losses is very generous in comparison to what other providers offer which is typically $1M. 

 

Their monitoring platform is very broad in reach, ensuring customers that if something comes up without permission granted, then risks will be detected quickly. There is some flexibility is coverage desired, the services are extensive, pricing is on the higher side but the service value is good, and the company is reliable to boot.

10. IDnotify

 

Ease of Use

Average

Service & Response

Average

Features & Tech

Average

Pricing

Average

Overview

IDnotify isn’t a household brand name, but should still be looked at as a viable identity theft protection provider. Their parent company is Experian – a previous company we reviewed earlier and is one of the three national credit reporting agencies in the country. Experian members can also join IDnotify to gain protection for their Social Security number and other core information as it relates to one’s identity – all three plans include this functionality. 

 

A major selling point for becoming an IDnotify member is that you get to work directly with Experian who offer superior customer service. Their sign up process is quick and easy, and alerts flow through whenever personal data is compromised, in the form of their Identity Report. Their 24/7 services have been designed to protect personal data that is vulnerable, and have restoration specialists standing by to help whenever needed. 

 

One of the benefits of signing up with this service is the peace of mind knowing you are working directly with Experian. It also is a very fast and easy sign-up process. The company sends an alert any time any of your personal data is exposed and detected. This report is called an initial Identity Report. Then, the company works to protect your compromised data – if it is identity theft, the team works to restore your identity right away. The company offers 24/7 protection for individuals. You can always reach them when you need to do so.

Pros
  • Moderately priced coverage is available

  • The identity restoration team has the experience and skills to help as required

  • Internet surveillance services are provided

  • Have a social media network monitoring service

  • Lost wallet service has dedicated specialists on-board to assist 

  • Built by Experian who is a trusted credit reporting agency

  • 24/7 protection, monitoring, and restoration is available

  • $1 million in identity theft coverage

Cons

 

  • Their lowest-level plan coverage is limited in some ways

  • Only the top plan has three-bureau coverage support 

Pricing

IDnotify has three plans that they offer for customer’s needs, we break them down below. 

 

  1. Essential Plan – This bare-bones plan bills at $9.99 per month and has a few features including social media network monitoring, internet surveillance, lost wallet services, and identity restoration. The coverage is basic and isn’t very extensive with regards to financial information protection – something that seniors often value highly. 

  2. Select Plan – Offered at $17.99 monthly, the Essential Plan’s features are included, one bureau protection, address monitoring, court recovers and booking monitoring, identity theft insurance, and Social Security monitoring. 

  3. Premier Plan – $25.99 per month gets you the Premier plan which has all of the above two plan’s services in it, plus much more. Additional services include three-bureau protection, non-credit loan monitoring, financial account take over, sex offender monitoring, a monthly VantageScore update, and other valuable features. This plan is clearly their most complete of the three available. 

The Bottom Line

There are beneficial reasons to select IDnotify as a provider, we already looked at some, but another interesting one is the ability to lock a credit file to keep credit information private. Dark web protection also comes in the Select and Premier plans. 

 

Pricing is high in the top two plans in comparison to other identity theft protection providers, but the protection offered is reliable and extensive. Seniors will appreciate financial account takeover and the lost wallet services, and seniors who raise a grandchild can add child monitoring to any package for an additional $5.99 per month. 

Identity Theft Is An Issue That Affects Everyone

 

Identity theft is a global issue that can affect anyone young or old, and personal information and data are only growing in size and value – making this content a target for many scam artists who are looking for financial gain. Identity thieves are after information including names, financial information, Social Security numbers, driver’s licenses, passwords, and other bits of data that can be fraudulently taken advantage of.  

 

Seniors are prime targets for identity theft both online and within the physical world. Information sources can be hacked into by advanced scam artists, and it can be sold and used in many dangerous ways. Seniors like to reduce their amount of stress and live out their golden years in a peaceful way – identity theft protection offers assurances to live a healthier life with fewer worries on their plate.  

Why Do Seniors Need Identity Theft Protection?

Identity theft protection is a proactive approach towards reducing the probability of becoming a victim, but if it happens, then help is available to restore everything back to normal. Personal information can be compromised no matter how many precautions are taken to prevent it from happening. 

 

The bad aspect about identity theft happening is that victims who aren’t protected often are unaware for weeks or even months or years until major personal or financial damage has been done. Services that help to protect information and data has a cost, but that cost is a worthwhile investment as coverage can save lots of money and headaches down the road. Monitoring and restoration assistance is something that seniors should consider for their personal needs, and scam artists are most successful with this group of people, so protections are smart to have at all times. 

Why Are Seniors Often Targets For Scams?

An astonishing 90% of all senior identity theft scams are sadly done by family members, and the rest comes in the form of strangers gaining unwarranted access to personal information. Seniors often lack technical ability, are trusting, have built up a good financial profile, and many don’t have identity theft protection and scam artists are well aware of that fact. Schemes are getting more sophisticated and harmful, and seniors should be protected by providers – who are always building new tools to fight back against these harmful activities. 

Common Identity Scams Targeting the Elderly

 

Personal information from seniors can be acquired through many different means including phone, email, door to door sales, wire transfer fraud, and other avenues. A ton of damage can be done once a name, address, and Social Security number is ripped off. Seniors can quickly become victims of identity theft crimes, some of the ways are outlined below. 

  • Credit Card Scams – Scammers will gain access to senior’s phone numbers and make bogus credit card offers to them in return for personal information. Credit consolidation is now a popular service from financial institutions and scam artists know this and will try to rip seniors off by collecting a fee. The scary part about this is that these offers are sounding more and more legitimate, and seniors are falling for these scams every day. Even voice content is getting more useful to fraud criminals to make credit card charges, so seniors should be wary of having to answer yes or no for automated calls received with no human on the other end of the line. 

  • Charity Scams – Scammers will often place calls looking for donations and contributions to charity organizations, the groups may be legit but the representative is not. They are mostly after your name, address, and credit card number to take over identities and make unlawful purchases. 

  • Internet Fraud – Internet-related scams have grown immensely over the past few years – phishing scams are done to steal all types of information, wire transfers in the millions for a small investment, and computer viruses that require money in return for the computer to be taken out of a hostage situation are just some activities that digital criminals are doing now. 

  • Health Insurance Scams – It’s unfortunate that health insurance information is so readily available online. Scammers pose as being health insurance workers and work to extract information in person, over the phone, via email, and online. If you ever hear from someone who claims to be Medicare personnel and need your Social Security information to upgrade your policy, issue you a new card, or something else that seems fishy, then discontinue that connection as quickly as possible. 

Other identity theft scams that affect senior citizens include health and beauty products, prescription medications, can’t miss investment opportunities, contests and prizes, and social media related harm.

Core Identity Theft Protection Features That Seniors Need the Most

Seniors are wise to get identity theft protection, below are some of the services that should be on their laundry list to consider. 

 

  • Financial Monitoring – Seniors should keep a close eye on their financial activity to see if any fraudulent is occurring – identity theft protection providers often offer monitoring for their customer’s finances. All types of financial issues can pop up on the radar and range from banking transactions, investments, payday loans, 401K’s, and others. As soon as suspicious activity is happening then customers can be immediately notified to determine if any further steps need to be taken.  

  • Credit Monitoring – Credit monitoring is a key service for all types of identity theft providers, and the ideal ones keep an eye on the three major credit bureaus for negative impact. Credit score reporting is also readily available depending on the provider and level of plan. 

  • Social Security Monitoring – Seniors often want a Social Security monitoring service so that numbers can be kept confidential and out of the hands of dangerous scammers.  

  • Identity Theft Insurance Coverage – Most of the top identity theft protection providers have insurance for their customers, in case funds are stolen – so they can be reimbursed. There are also protections in place in case a customer is robbed and quickly needs emergency funds to cover their daily expenses.

  • Dark Web Monitoring – Potential cyber threats are scary because of the dark web, which most seniors don’t have a good grasp of. The dark web is essentially an underground marketplace where scam artists sell illegally obtained private information. The dark web is hard to manage and track, so it’s a prime environment for criminals to conduct business, and drastically hurt those who are the most vulnerable. 

  • Criminal Monitoring – People who have gotten themselves into a lot of trouble and are looking for a fresh start to gain new opportunities, need to be kept in check. Criminal monitoring services tap into web resources and public information sources with the goal of uncovering if someone’s identity has been used for illegal reasons. 

  • Social Media Monitoring – Social media channels have exploded in popularity over the last 10 years, and lots of information is being shared both publicly and privately. Between social media sites, hacker forums, and other networks where information can be tracked and become signals for potential identity theft risks. Monitoring this vast pool of intel is beneficial for customers to have done. 

  • Real-Time Updates – We as a society crave instant gratification and want to always know what’s going on – both good and bad stuff. When something happens that compromises your identity – you want real-time information so that you can get on top of the potential threat in collaboration with your identity theft protection provider. 

Where To Find Identity Theft Protection Services

Researching identity theft protection services is best done online via company websites, or picking up the phone and speaking to sales representatives can be done as well. These companies will at times advertise what they have to offer with deals coming through the mail, door to door sales, and online promotions are readily done as well. Have a solid understanding of at least five different companies that interest you before engaging in a purchasing decision. There are standard services that are readily offered by most identity theft protection providers, but many top companies also offer unique features and tools that appeal to specific customer needs. 

Finals Thoughts Concerning Senior Identity Theft

This detailed guide for seniors regarding identity theft protection for seniors has taken an in-depth look at many quality providers, but we also urge you to take the time to go beyond the information here to really focus on your unique needs. Seniors are at high risk for many identity risks, and they can really take their toll if proactive steps aren’t taken. Identity theft protection can really help bring to light and then fend off potential threats, and purchasing a plan from a trusted provider is a sound decision to deal with these ever-growing crimes. 

 

Scroll to Top