IdentityIQ: Pricing and Plans for Identity Theft Protection

When it comes to identity theft protection, trust is key. Many people naturally gravitate toward big names like LifeLock by Norton. However, there are newer or smaller companies that also provide solid protection—you just need to know where to look.

IdentityIQ is one of these emerging services that’s quickly gaining attention. Every plan includes up to $1 million in identity theft insurance, and the Max plan even covers family members at no extra cost. But the real question is: do these features justify the price?

Below is a full breakdown of IdentityIQ’s four subscription plans, so you can see exactly what each one offers.

IdentityIQ Plans

Plan	Coverage
Secure	1 adult
Secure Plus	1 adult
Secure Pro	1 adult
Secure Max	1 adult + up to 4 children

IdentityIQ Subscription Information

IdentityIQ offers four main plans: Secure, Secure Plus, Secure Pro, and Secure Max, each providing different levels of protection. For example, the Secure plan includes one-bureau credit monitoring, while Secure Pro and Secure Max monitor all three major credit bureaus.

But that’s not all. IdentityIQ also offers enhanced plans that combine identity monitoring with device protection. Each of the four plans can be paired with a Bitdefender Total Security subscription, giving you antivirus protection and a virtual private network (VPN). This effectively creates eight unique plan options.

It’s worth noting that IdentityIQ isn’t the first identity theft service to team up with antivirus software. For comparison, LifeLock by Norton offers the Norton 360 Ultimate Plus plan, which combines full LifeLock features with Norton Antivirus for around $300 per year—roughly the same price as IdentityIQ with Bitdefender.

Bitdefender only adds a small extra cost, and our testing found its antivirus software to be surprisingly strong, making our list of top antivirus solutions. The VPN, while decent, didn’t quite match up to our favorite standalone VPNs.

All eight plans give you the choice to pay monthly or annually. Monthly plans offer flexibility if you want to start or stop service at any time, while annual plans save roughly 15% compared to paying month-to-month.

If all that information feels overwhelming, this table breaks down IdentityIQ’s plans and features in an easy-to-read format:

Feature	Secure	Secure Plus	Secure Pro	Secure Max (Family Plan)
Monthly Price	$6.99	$9.99	$19.99	$29.99
Monthly Price with Bitdefender Total Security	$8.99	$11.99	$21.99	$32.99
Yearly Price (15% savings)	$71.30	$101.90	$203.90	$305.90
Yearly Price with Bitdefender Total Security (15% savings)	$91.70	$122.30	$224.30	$336.50
Number of Credit Bureaus Monitored	1	1	3	3
Frequency of Credit Scores & Reports	No	Annual	Bi-Annual	Monthly
Daily One Credit Score Monitoring	Yes	Yes	Yes	Yes
Dark Web & Internet Monitoring	Yes	Yes	Yes	Yes
Reimbursement for Up to $1 Million in Stolen Funds	Yes	Yes	Yes	Yes
Enhanced Credit Report Monitoring	No	No	Yes	Yes
Alerts on Crimes Committed in Your Name	No	No	Yes	Yes
Score Change Alerts	No	No	Yes	Yes
Credit Score Tracker	No	No	No	Yes
Credit Score Simulator	No	No	No	Yes
Family Protection	No	No	No	Yes
Fraud Restoration with LPOA	No	No	No	Yes

Hidden Deals and Discounts

The prices listed on IdentityIQ’s homepage aren’t the lowest in the market, but they’re fairly typical. For comparison, Identity Guard’s Ultra plan costs $29.99 per month, and LifeLock’s top-tier plan is even slightly cheaper than IdentityIQ’s Max plan.

The good news? We discovered a hidden page that offers 10% off IdentityIQ’s Secure Pro, Secure Plus, and Secure Max plans. Even better, if you sign up for a full year, you can save up to 25% on these plans.

IdentityIQ Discounted Pricing

Plan	Monthly Discounted Price	Savings Over Regular Price	Monthly Price with Annual Plan	Total Annual Savings
Secure Plus	$8.99	15%	$7.49	25%
Secure Pro	$17.99	15%	$14.99	25%
Secure Max	$26.99	10%	$22.49	25%

With these discounts, signing up for an annual plan can save you up to 25%, making it the most cost-effective way to protect yourself and your family.

Free Trial and Money-Back Guarantee

Plan	Free Trial?
Secure Plus	None
Secure Pro	None
Secure Max	$1 for 7 days

IdentityIQ’s homepage doesn’t advertise a free trial. However, we found a hidden page offering a 7-day trial of the top-tier Secure Max plan for just $1. After the trial ends, it automatically converts to the $29.99 per month plan, so be sure to cancel if you don’t want the full subscription.

Even without the trial, you can take advantage of IdentityIQ’s 30-day money-back guarantee to test the service. Keep in mind, though, you may need to dig a little to confirm this option.

What Does IdentityIQ Cover?

IdentityIQ provides the full suite of services you’d expect from a top-tier identity monitoring service, including credit reports, dark web monitoring, and continuous scans of public and court records. On top of that, it offers extras like application monitoring and full Social Security number tracking. While higher-tier plans provide more features, even the basic plan delivers solid protection and includes a $1 million insurance policy.

Here’s a closer look at IdentityIQ’s key features:

• Daily Credit Monitoring: All four plans include daily credit monitoring alerts. If anything suspicious appears, IdentityIQ’s professionals are available to investigate quickly.
• Dark Web Monitoring: IdentityIQ constantly scans the dark web, where stolen personal data—including Social Security numbers, driver’s licenses, and emails—is traded. This helps ensure your credentials aren’t being sold or misused, although it didn’t rank among the top services we reviewed for dark web monitoring.
• Lost Wallet Assistance: IdentityIQ helps recover from a lost or stolen wallet, not just by canceling credit cards but also by securing your identification and Social Security cards to prevent identity theft.
• Credit Scores and Reports:
  • Secure Plus: Annual Experian credit score.
  • Secure Pro: Bi-annual reports from all three bureaus (Experian, Equifax, TransUnion).
  • Secure Max: Monthly reports from all three bureaus.
    While monthly reports are impressive, IdentityIQ still falls slightly short compared to top-rated services like Identity Guard.
• Social Security Number (SSN) Monitoring: IdentityIQ tracks every use of your SSN, flagging any suspicious activity beyond standard address-based monitoring.
• Application Monitoring: IdentityIQ monitors every application filed under your name, not just those involving credit checks, to ensure no one is misusing your identity.
• Public and Court Records Monitoring: The service continuously checks public and court records to make sure your information isn’t appearing where it shouldn’t.

Identity monitoring is just one piece of modern digital protection. For a broader view, check out our complete guide to digital security.

Favorite Features

IdentityIQ comes with a number of features that really stand out:

• Enhanced Credit Monitoring: IdentityIQ keeps a close eye on your financial activity, alerting you to even the smallest changes. Whether it’s a bank card going over its limit, a 10-point shift in your TransUnion score, or changes in collection balances, you’ll know right away. While this can mean more email and text alerts, it’s reassuring to know someone is constantly watching out for you.
• Multiple Plan Options, Including Family Coverage: IdentityIQ offers four plan tiers, including the Max plan designed for families, which covers up to four children under 18. Even the basic Secure plan provides daily credit alerts and dark web monitoring, so every plan delivers solid protection.
• Up to $1 Million Reimbursement: No matter which plan you choose, IdentityIQ offers a safety net. If your identity is stolen, you can be reimbursed for up to $1 million in stolen funds, giving peace of mind against unauthorized purchases or fraud.
• Personalized Case Manager Support: In the unfortunate event of identity theft, IdentityIQ provides professional case managers who guide you through the process, ensure all issues are resolved, and help restore your identity.
• Credit Score Simulator: This tool lets you see how major financial decisions—like taking out a loan or changing credit card payments—might impact your credit score. It’s a useful resource for planning big purchases or managing debt responsibly.

Cancellation Policy

According to IdentityIQ’s terms, you can cancel your service by calling 877-875-4347 and speaking directly with a customer representative. However, the process isn’t particularly straightforward—they don’t even list this number outside of member pages, so be prepared to do a little digging to cancel.

Privacy Policy

IdentityIQ is based in the U.S., which means it falls under Five Eyes surveillance jurisdiction. Some users may feel uneasy knowing government agencies could potentially access their financial information—a risk shared by all U.S.-based identity monitoring services.

Of greater concern for many is how the company handles third-party data sharing. IdentityIQ collects personal information such as names, addresses, emails, and other identifiable details. While they don’t specify which third parties receive this data, the policy indicates that they may sell it. For those who value strict control over their personal information, this is something to keep in mind.

Recap

IdentityIQ’s four plans offer solid value, and the Max Plan is one of the few options designed specifically for families. On the downside, the company sells some user data, and important information—like discounts, annual plans, and cancellation numbers—is not easy to find. There’s also no mobile app. Overall, IdentityIQ is a decent choice if you’re okay with their data policies and can navigate the somewhat confusing website.

FAQs