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Resources > Identity Protection > Zander vs. LifeLock—How Do They Compare?

Zander vs. LifeLock—How Do They Compare?

Identity theft is such a serious issue that billions of dollars are lost worldwide every year due to this crime, and the number of stolen identities keeps increasing. In fact, a recent report revealed that 73% of the 2,000 surveyed respondents experienced identity theft.

To stay protected, many people rely on services like Zander and LifeLock. Although they offer similar identity theft protection features, these services differ in multiple ways. In this article, we’ll provide a comparison of Zander vs. LifeLock one feature at a time and explore their pricing options. Plus, we’ll present a worthy alternative to both services.

Zander Identity Theft Insurance vs. LifeLock—Overview

Zander and LifeLock are both identity protection services that offer various features to help you protect your personal data and financial information.

Zander Insurance is a family business from Nashville, Tennessee, endorsed by financial expert Dave Ramsey. Apart from ID theft insurance, the company also provides car insurance, life insurance, and homeowner insurance. While the business dates back to 1925, this ID service helps protect against modern threats by offering features like:

  • Dark web monitoring
  • Identity restoration
  • Wallet protection

Meanwhile, LifeLock is owned by NortonLifeLock Inc., and it focuses mainly on identity protection. Its primary services include credit monitoring, identity monitoring, and suspicious activity alerts. LifeLock also offers identity theft insurance and assistance to customers who’ve fallen victim to identity theft, helping them restore their identity.

LifeLock vs. Zander—Features and Key Differences

While Zander and LifeLock are both widely used identity protection and cybersecurity services, their specific features align with different needs and preferences. To help you learn exactly what they offer, we’ll compare Zander vs. LifeLock by looking at the following features:

  1. Monitoring services and alerts
  2. Credit monitoring
  3. Identity theft insurance
  4. Pricing and plans

Monitoring Services and Alerts

Both contenders offer monitoring features, but LifeLock’s monitoring services are higher in number and cover niche areas like investment account monitoring. Here’s a breakdown of the areas that Zander and LifeLock’s monitoring covers in their top-tier plans:

ZanderLifeLock
Social Security number (SSN)
Dark web
USPS address changes 
Account takeover and new account
Home title fraud
Credit Court and criminal records
Home title fraud
Utility records
Investment accounts and 401(k) 
Phone takeover alerts
Sex offender registry
Social mediaTransaction

As for the suspicious activity alert dashboard, LifeLock’s dashboard is easier to navigate than Zander’s. It’s also more detailed and provides a list of the steps you need to take to protect yourself from online threats when you get alerted to suspicious activity. Zander’s alerts dashboard, on the other hand, is more difficult to use, and the alerts are more general. Therefore, regarding these two features, LifeLock seems like a more comprehensive solution.

Credit Monitoring

The credit monitoring feature is the most notable difference when comparing LifeLock vs. Zander. While LifeLock offers one-bureau credit monitoring with all of its plans, Zander doesn’t have a credit monitoring feature at all. This means it doesn’t monitor customers’ credit reports or alert users if any suspicious activity is detected. The main reason behind this decision is the fact that customers can request credit reports from all three bureaus on their own.

Meanwhile, LifeLock does provide credit monitoring as part of its offer to alert customers about any signs of fraud so users don’t have to contact the credit bureaus themselves. Plus, LifeLock allows customers to lock their credit and monitor transactions on some plans, making it more full-featured in terms of financial security.

Identity Theft Insurance

Both Zander and LifeLock offer identity theft insurance. If you become a victim of identity theft, they can help you cover expenses like legal fees or lost wages during recovery. While both services offer up to $1 million in stolen fund reimbursement, there may be a few differences in their insurance policies. 

Here’s what Zander offers:

  • Up to $1,000,000 to replace stolen funds for each customer
  • Up to $1,000,000 to cover ID theft restoration expenses

The provider also connects you with a certified ID fraud case manager who can work on case resolution for up to three years.

LifeLock’s identity theft insurance covers up to $1,000,000 in losses. It also offers:

  • Up to $1,000,000 in personal expense compensation 
  • Up to $1,000,000 million for legal expenses 

The up to $1 million coverage for legal fees is included in all LifeLock plans, but the limit for stolen fund reimbursement and personal expense reimbursement depends on your plan. These range from $25,000 to $1 million with the Ultimate Plus subscription.

Pricing and Plans

One of the biggest differences between Zander and LifeLock is their pricing. Apart from Zander’s plans being far more affordable, the difference in their pricing is also related to the number of services each provider includes and the number of individuals the plans can cover.

Find an overview of Zander’s plans below:

Zander PlanIndividualFamily (Two Adults + Children)
Essential Plan$6.75/month$12.90/month
Elite Cyber Bundle$10.99/month$20.99/month

LifeLock’s pricing and plans may be more complex as they offer various options with multiple add-ons and a comparatively high renewal fee. Here are LifeLock’s pricing options for family-oriented plans:

LifeLock PlanIndividualFamily (Two Adults)Family (Two Adults and Five Children)
Select$14.99/month$23.99/month$35.99/month
Advantage$24.99/month$45.99/month$57.99/month
Ultimate Plus$34.99/month$69.99/month$79.99/month

While LifeLock’s family plans offer full identity protection and theft insurance for each member, they cost more than Zander’s plans, and their price increases significantly after one subscription year. Meanwhile, Zander’s plans may be better for larger families as they can cover up to ten members under 18, but their features are less comprehensive.

Which Identity Protection Service Should You Choose?

While both Zander and LifeLock offer identity protection features for the whole family, they each have unique drawbacks. For example, LifeLock’s pricing plans have high renewal costs, and the company recently faced a data breach, compromising their customers’ trust. As for Zander, it doesn’t offer credit monitoring, and its financial monitoring features are scarce.

If you’re looking for an affordable alternative to these services, consider FreeKick. Provided by Austin Capital Bank, FreeKick offers a comprehensive solution with features like credit monitoring, identity theft monitoring and protection, and identity theft recovery assistance. It also provides identity theft insurance coverage and has a transparent pricing structure.

FreeKick—Comprehensive Identity Protection for Your Whole Family

FreeKick combines an FDIC-insured deposit account with various identity monitoring, protection, and recovery services for your whole family. Its two available plans cover up to two parents and six children between the ages of 0 and 25. FreeKick also offers parent-sponsored credit building for children aged 13 to 25 to help them secure a solid financial future.

Identity Protection Services

Child identity theft is a serious issue as statistics reveal that a child’s identity is stolen every 30 seconds.

FreeKick offers a comprehensive set of security features designed to protect the identities of minors and adults. By signing up for FreeKick, you’ll get access to the following features:

Services for Adult Children and ParentsServices for Minor Children
Credit profile monitoring
SSN monitoring
Dark web monitoring for personal information
Up to $1 million identity theft insurance
Full-service white-glove concierge credit restoration
Lost wallet protection
Court records monitoring
Change of address monitoring
Non-credit (Payday) loan monitoring
Free FICO® Score monthly
FICO® Score factors
Experian credit report monthly
Credit profile monitoring
SSN monitoring
Dark web monitoring for children’s personal information
Up to $1 million identity theft insurance
Full-service white-glove concierge credit restoration
Sex offender monitoring—based on sponsor parent’s address

Parent-Sponsored Credit Building and Credit Profile Monitoring

FreeKick lets children start building credit with the help of their parents as early as the age of 13. With its credit building feature, your child can establish strong credit by the time they go to college, making it easier to secure loans with favorable interest rates. 

The sooner you start building your child’s credit, the better—this can help them save more than $200,000 during their lifetime. That’s why FreeKick has made this process simple for its users, letting you activate the credit building feature from the comfort of your home. Once your child reaches legal age, they can activate credit reporting, and their credit history will be reported to all three major consumer credit bureaus:

  1. Equifax
  2. Experian
  3. TransUnion

Here’s how to start building your child’s credit in a few steps:

  1. Create a FreeKick Account—Go to FreeKick.bank and select a plan that matches your needs and budget
  2. Set It and Forget It—After the account is activated, FreeKick will automatically start your child’s credit-building journey over the next 12-month period via a no-interest installment loan, which is paid off using your initial deposit
  3. Keep Growing—Once the first 12 months pass, you can either renew your account and continue building your child’s credit or close it and get a full refund of your initial deposit

FreeKick Pricing

FreeKick’s budget-friendly plans cater to every family’s needs and budget. Both plans come with FDIC insurance coverage of up to $250,000 and credit building for children aged 13–25. Find more details in the table below:

FDIC-Insured DepositAnnual Fee
$3,000$0 (Free)
No deposit$149

Keep your entire family’s identities protected and help your children establish a strong credit profile from a young age—sign up for FreeKick today.