Complete ID Vs LifeLock – 2024 Comparison for ID Theft Protection

Last Updated on January 8, 2024

It took a few weeks of exhaustive testing, but I finally came to the conclusion that LifeLock beats Complete ID.

LifeLock offers more comprehensive monitoring, more insurance coverage (at least with its top-tier plan), and more features families can use.

Our Best Choice
I would recommend LifeLock if you…:
  • You are looking for an inexpensive option.
  • You are a long-time customer of Norton and their antivirus products.
  • You want the option to add features for secure and private internet browsing.
  • You don’t need a ton of insurance coverage.
I would recommend Complete ID if you…:
  • You already have a Costco membership.
  • You do not own your home.
  • A good value is of high importance.
  • You are a single parent.

But to be honest, LifeLock is far from my favorite service. It has some serious issues that I’ll dig into throughout this review. So, if you’re hoping to protect your family from identity thieves, you should consider Aura instead. 

Why You Should Get Aura:

  • You want the best in threat monitoring and alerts.
  • $5 million theft insurance for your (even extended) family appeals to you. (Get Aura’s family plan.)
  • 24/7/365 US-based customer care is important to you
  • You want to get the most identity theft protection value for what you pay for.

Aura offers everything families need to protect their identities, assets, and more. With Aura, you get extras like parental controls and safe gaming with anti-bullying features. That’s on top of award-winning identity theft and credit monitoring and 24/7 access to U.S.-based customer service. 

I use Aura for my family, and I recommend it to pretty much everyone I know. But I understand if you’re still deciding between Complete ID and LifeLock. This review should give you everything you need to know. So, here we go!

Complete ID vs. LifeLock: Head-to-Head Comparison

Aura
LifeLock
Complete ID
Monitoring
Found nine dark web alerts, comprehensive coverage
Comprehensive, but only found eight alerts
Found nine dark web alerts, but alerts miss details
Threat Resolution
24/7/365 U.S.-based threat resolution and customer service team
24/7 third part support with separate threat resolution team with limited hours
24/7 U.S. based
Family Plans
Five adults and unlimited children; includes parental controls and safe gaming
Two adults with up to five children; includes parental controls
Two adults and up to five children with no extra features
Theft Insurance
$1 million per adult (up to $5 million total per plan)
up to $3 million in coverage per adult and $1 million per child with top-tier plan (lower plans offer much less)
$1 million total coverage
Ease of Use
Easy to use but could be more intuitive
Streamlined and intuitive
Clunky, hard to navigate
Online Safety Features
VPN, antivirus software, password manager, ad tracker blocker, email alias, data broker removal services, family storage vault
VPN, Norton antivirus software, ad-tracker blocker, SafeCam for PC, privacy monitor
VPN, password manager, safe browser
Cost
Justifiable price given services included; Discount code makes it most affordable option.
very expensive with price increases
very affordable if you’re a Costco member.

LifeLock vs Costco Complete ID Video Comparison

Monitoring: Winner – LifeLock 

I could argue that Complete ID is better than LifeLock at monitoring. It populated more alerts. But the number of alerts a service produces isn’t everything.

There’s a quality vs. quantity issue when it comes to evaluating Complete ID and LifeLock.

Ideally, identity protection services offer monitoring that is accurate, comprehensive, timely, and actionable. In other words, it needs to find all of your personal information in near real-time, and it needs to give you details that allow you to take action. Complete ID is missing a few pieces of that equation. 

Identity

Let’s start by looking at what these two services cover. With their top-tier plans, Complete ID and LifeLock offer

Dark web monitoring
SSN monitoring
Criminal record monitoring
Alternative (Payday) loan monitoring
Sex offender registry monitoring 
Address change monitoring

LifeLock goes a step further by also including home title monitoring, which is a must for anyone who owns their own home. 

But, Complete ID’s coverage isn’t bad. If you don’t own your home, it might be enough for you and your family. 

As I mentioned, though, Complete ID has a different problem. During testing, Costco Complete ID populated nine unique dark web alerts. That’s right in line with top-tier services like Identity Guard and Aura. And it makes it more accurate than LifeLock, which only found eight. 

But let’s take a look at an alert from Complete ID

Complete ID Breach in Detail

At first glance, it looks okay. But notice what it’s missing – it doesn’t give me the website that was breached. It just tells me my email was found without a password. 

My email is all over the internet, so this alert isn’t very helpful. 

Now, let’s take a look at a LifeLock alert:

lifelock dark web alert

It shows my email was found in a breach related to myfitnesspal.com in February 2019. It gives me all the details I need to act. And, though it’s cut from this screenshot, below the “exposed information,” LifeLock provides a lengthy list of suggested steps to secure my identity. 

So, though LifeLock missed an alert, it’s ultimately the more useful service because it’s more comprehensive and its alerts are actionable

Credit and Financial

When we look at the credit and financial services from LifeLock and Costco Complete ID, the story changes a bit. 

Technically, LifeLock is more comprehensive in this area, but only with their top-tier plan

At the top-tier for LifeLock, and with all Complete ID plans, you get:

Three-bureau credit monitoring
In-portal credit lock (Experian for Complete ID, TransUnion for LifeLock)
One-bureau credit reports and scores (monthly with Complete ID and unlimited with LifeLock) 
List itemAnnual three-bureau credit report

LifeLock’s lower-tier options only include one-bureau credit monitoring. Meanwhile, Complete ID offers three-bureau credit monitoring standard

However, LifeLock does include a feature that Complete ID misses – 401(k) and investment account monitoring. Given that your retirement savings are probably amongst your biggest assets, having this is a big plus for LifeLock.

LifeLock also includes checking and savings account activity alerts and account application alerts, but again, this is only with their top-tier plan. When you look at LifeLock’s lower-tier options, you’ll find Costco Complete ID gives you more.

Threat Resolution: Winner – Complete ID

It’s pretty easy to beat LifeLock in this category. Threat resolution services are where LifeLock drops the ball. But Costco Complete ID also offers a few stand-out features that would rank them highly amongst all competitors.  

Customer Service

The first thing I do when looking at a company’s threat resolution capabilities is call customer service. If you have questions about a monitoring alert, it’s likely that you’ll start there, too, so the customer service team needs to be good. 

I called Complete ID’s customer service line on a Wednesday at 10 pm. This wasn’t a problem because Complete ID comes with 24/7 customer support. It took me less than a minute to reach a live representative, and after grilling him with a few questions, I found he was very knowledgeable. 

My experience with LifeLock was very different. 

LifeLock’s customer service is notoriously hard to reach. They do everything they can to direct you towards self-help articles or their AI-based chat service instead. If you need to call them, you’ll need to click “I Still Need Help” on several pages that look like this: 

LifeLock support

Then you’ll need to fill out a help form that asks for your name, phone number, and question. After that, they’ll release a phone number. 

Don’t get excited, though. That phone number is going to take you to a third-party customer support team based overseas. In my experience, they have very limited knowledge about LifeLock’s products and can really only answer the most basic questions.

It’s a frustrating experience, to say the least, and it feels deceptive. LifeLock advertises a U.S.-based service, but when you read the fine print, that’s only available if you’re an identity theft victim, and it’s not 24/7.  

Identity Restoration Services

If you become an identity theft victim, both LifeLock and Complete ID promise full restoration services. They offer to do the “heavy lifting,” meaning their restoration teams will file paperwork, arrange phone calls with financial institutions, and monitor credit disputes on your behalf. 

Complete ID excels at this by offering you direct contact with a designated restoration specialist. They give you their direct phone line and email so you easily reach them whenever you need to. You don’t have to deal with phone trees, nor do you have to explain yourself over and over to multiple representatives. 

LifeLock’s services here aren’t as great. While their restoration team is U.S.-based (unlike their general customer service), their hours are pretty limited. They list them differently in different areas of their site, but it’s something like 10 am – 7 pm. 

And their “restoration specialists” are really just document gatherers. When you read into their process, they simply gather your information and send it on to an unnamed third party who actually handles your case.  

LifeLock third party restoration

Lost Wallet Protection

Lost wallet protection services are pretty standard in the identity theft protection world, and both Complete ID and LifeLock include them. 

Complete ID’s is nothing out of the ordinary. They’ll help you cancel and replace your credit cards, insurance cards, driver’s licenses, and so forth.

LifeLock goes a little further by including a reimbursement policy that covers the cost of your wallet or purse. If you carry high-end and expensive accessories, this could be a nice plus.

Family Plans: Winner – LifeLock

LifeLock wins the family plans category for several reasons. 

  1. It includes parental controls (which I’ll discuss in detail below). 
  2. Its insurance increases with each person you add to the plan – including children
  3. It includes child credit file detection.

Complete ID’s family plans pale in comparison. They don’t include any sort of parental control features, their insurance does not increase when you add children to your plan, and they don’t monitor child credit files. 

Instead, Complete ID monitors up to five children and two adults with their family plans. That monitoring includes dark web monitoring, SSN monitoring, and restoration services for kids – but nothing else

Aura allows for unlimited children and up to five adults – that means you can cover your kids through college and beyond. Plus, Aura includes a full parental control suite alongside safe gaming tools. 

Aura is such a good choice for families that I would be remiss not to discuss a few of its special features alongside what LifeLock and Complete ID have to offer. 

Parental Control Features

As I mentioned, LifeLock offers a parental control suite while Complete ID does not. LifeLock’s parental controls come from Norton Family and include all of the following:

Website blocking and filtering
Screen time limits
Remote learning controls
Internet usage tracking 

This all sounds good, but there’s one major flaw you need to be aware of…

Norton Family only works on PCs. It doesn’t work on Android or iPhone, which is where many kids spend a lot of time. 

That’s why if you want parental controls, you need to look at Aura. Aura’s controls include everything Norton Family does, with one exception – they don’t offer remote learning controls. But that’s a minor loss when you realize Aura’s works on Android and iPhone

Safe Gaming and Anti-bullying Monitoring

Neither LifeLock nor Complete ID can protect your kids while playing multiplayer games – Aura can

Aura is the only service I’ve tested (and I’ve tested many services) that includes this feature. Their safe gaming tools use AI and machine learning to monitor voice and text interactions in multi-player games. They can identify signs of bullying, harassment, and predatory behavior so that parents can step in when needed.

If you have a tween or teen who enjoys playing online games, this is a must-have. Unfortunately, multiplayer games are common places for bullies and predators to lurk, and without safety controls in place, your child is vulnerable.

Theft Insurance: Winner – LifeLock

LifeLock technically comes out ahead of Complete ID for this area, but that’s only if we’re looking at LifeLock’s top-tier plan. 

Let me explain. 

LifeLock’s top-tier plan is impressive. It includes $3 million in coverage per adult and over $1 million per child. The three million is split – $1 million each to stolen fund reimbursement, restoration expenses, and legal fees, but that still beats Complete ID. 

Complete ID offers the industry standard, $1 million in aggregate coverage for everyone on the plan

That doesn’t sound great compared to LifeLock’s top-tier option. But when you look at LifeLock’s lower tiers, Complete ID starts looking pretty good. 

LifeLock’s lower tiers offer significantly less coverage, as little as $25,000 each for expenses and fund reimbursement. 

You should know that LifeLock still advertises these as “one million dollar protection packages.” That’s because they still include $1 million towards legal fees. This feels a little deceptive (which is sort of on-brand for LifeLock)

So, while LifeLock technically wins this category, it’s a close call. If you’re not considering LifeLock’s top-tier plan, Complete ID’s insurance coverage isn’t bad in comparison. 

Ease of Use: Winner – LifeLock

LifeLock absolutely takes the cake here. It’s one of the easiest services to use. Just look at its dashboard: 

lifelock id dash

It’s well-organized, easy to navigate, and includes everything I want to see when I log in. You have alerts right on top, your credit and transaction summary beneath it, and the ability to lock and unlock your TransUnion credit prominently placed. 

Sadly, Complete ID’s dashboard isn’t very user-friendly. It requires a lot of scrolling because everything is spaced oddly far apart. And its menu isn’t as intuitive to navigate. I wouldn’t say it’s overly difficult to use, but it could definitely use an upgrade. 

Online Privacy Features: Winner – LifeLock

Here, again, LifeLock wins. 

LifeLock comes with several online privacy and security features, including:

Norton antivirus software
VPN
Anonymous browsing
Ad-tracker blocker
SafeCam for PC
Privacy monitor

The privacy monitor shows you which data brokers have your information, but it’s not a data broker removal service. LifeLock offers data broker removal as an upsell, unlike services like Aura, which automatically sends data broker removal requests. 

Meanwhile, Complete ID only offers:

Password manager
Safe browser
VPN

It’s not a very long list compared to what you get with LifeLock. 

Cost: Winner – Costco Complete ID  

As long as you’re a Costco member, Complete ID is pretty affordable. Executive members, especially, pay a low price for their family plans. 

Plan Type
Executive Members
Gold Star Members
Individual Value
$8.99 /month
$13.99 /month
One Adult + Children
$11.98 /month
$17.98 /month
Two Adults
$15.99 /month
$25.99 /month
Two Adults + Children
$18.99 /month
$29.99 /month

LifeLock, however, is extremely expensive, especially at its top tier. And it gets more expensive when you renew – a lot more expensive! The renewal increase is by over 50% of the original plan price. 

Plan Type
Annual Billing
Monthly Billing
Individual Standard
$89.99 /year
$11.99 /month
Individual Advantage
$179.88 /year
$22.99 /month
Individual Ultimate Plus
$239.88 /year
$19.99 /month
Family (2 adults) Standard
$149.87 /year
$23.99 /month
Family (2 adults) Advantage
$287.88 /year
$45.99 /month
Family (2 adults) Ultimate Plus
$395.88 /year
$69.99 /month
Family (5 adults) Standard
$221.87 /year
$35.99 /month
Family (5 adults) Advantage
$359.88 /year
$57.99 /month
Family (5 adults) Ultimate Plus
$467.88 /year
$79.99 /month

All of that said, if you’re not already a Costco member, Complete ID doesn’t make sense to sign up for. You’d need to join Costco first, and that membership price isn’t cheap. An Executive membership runs $120 per year and is likely to increase.

That means neither of these options is that affordable for families.

The Winner Is…LifeLock

If you’re deciding between LifeLock or Complete ID, LifeLock wins. But LifeLock has some major flaws – poor customer service, less than perfect monitoring, and major price increases when your plan renews are all reasons to avoid LifeLock. 

Luckily, you have other, better options. 

Aura is one of them. Aura is the best for families because it includes everything LifeLock and Complete ID offers and then some. You’ll get award-winning identity theft and credit monitoring, 24/7 access to U.S-based threat resolution experts, and a full suite of privacy and security extras like parental controls and safe gaming tools

With our discount code, you can get Aura for a price that’s lower than most other services, even though Aura offers far more. And the code is compatible with Aura’s 14-day free trial and 60-day money-back guarantee. So, trying Aura is risk-free

LifeLock and Complete ID aren’t the worst protection services available, but why settle for less? For family protection, Aura is the better option.


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