Senior identity theft is accelerating, with more cybercriminals targeting older adults than ever before. This demographic group is particularly susceptible to Phishing and phone scams and is less likely to notice and report identity theft on time.
Luckily, there are many affordable and easy-to-use senior identity theft protection tools that can help. They assist in recovering a stolen identity and providing real-time protection not only for your data but also for credential information and more.
However, along with the increasing number of identity thefts, the amount of ID theft protection apps is also growing, so picking the right one is a tough task. That’s why we have tested and selected the best 5 identity theft protection services for seniors in terms of security, performance, ease of use, price, and other aspects.
Top 5 best identity theft protection services for seniors
- Aura – best overall senior identity theft protection
- Norton LifeLock – excellent household ID theft protection
- McAfee – time-tested cybersecurity brand ideal for most seniors
- Bitdefender Ultimate Security – reliable antivirus with ID protection features
- Surfshark – easy-to-use and affordable privacy protection for elders
Why do seniors need identity theft protection?
Identity theft cybercrime is on the rise, but seniors are particularly susceptible because they often have excellent credit scores and life savings. Simultaneously, criminals exploit the occasional lack of technical know-how to trick their victims into providing confidential data.
Here are several key reasons why to consider getting reputable identity theft protection for seniors:
- Data leak protection. Many seniors have their data exposed through numerous Equifax (among others) data leaks. This information can be used for future scams. Senior ID theft protection software will outline the exposed data elements and provide steps to protect them.
- Phishing scams. Seniors are among the most-targeted demographic groups by Phishing scams. Whether it's a phone or an email fraud, hackers exploit the occasional lack of technical knowledge to trick victims into giving away their personal information.
- Insurance. There is no magical software to provide 100% identity theft protection. ID theft insurance will guarantee the seniors' financial well-being until their stolen identity is recovered.
- Real-time protection. It's crucial to respond to identity theft as fast as possible. Listed software vigilantly scans the virtual for ID fraud and alerts the potential victim of suspicious activity. Taking immediate action, like freezing your credit, can prevent scammers from illicitly obtaining funds.
The best senior identity theft protection – our detailed list:
We have tested all the most popular senior identity theft protection software to put the best ones on this list. We focused on the app design, accessibility, price, and the required cybersecurity features, such as the dark web and credit monitoring, theft insurance, and additional benefits.
1. Aura – the best identity theft protection for seniors in 2023
|Dark web monitoring:||Yes|
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Aura outshines the competition by its simplicity and the scope of available features. It offers robust senior identity theft protection, as well as an antivirus, VPN, and password manager.
Why did we pick it?
- ID data monitoring. Upon registration, Aura asks for a name, address, phone number, birth date, and SSN to immediately search for online misuse cases. You can also add your driver's license, national ID and health insurance numbers, and more.
- App design. Aura is the easiest-to-use app on the list. Older generations grew up with more simple digital technologies, and Aura provides a comfortable environment for non-tech-savvy users.
- Senior ID theft protection. If your PII ends up on the dark web, Aura will detect it and alert you of suspicious activity. It also checks for new accounts with your details, fraudulent credit card transactions, and even public records of criminal activity. Aura's antivirus will quarantine infected files on a device, and a VPN-level online filtering blocks access to malware-ridden websites.
- Support. This identity theft protection software provides around-the-clock personalized customer support service. Their U.S. agents are highly experienced and ready to assist in identity fraud resolution or guide through the fraud remediation process.
- Insurance. Aura provides $1.000.000 insurance to cover fees and losses related to identity theft crime.
Aura costs $49.99/year, billed annually with a free 14 days trial period. Two weeks is plenty of time to test Aura's numerous features and inspect the web for possible data leaks and identity theft.
- SSN and credit monitoring
- Excellent identity theft monitoring criteria
- Includes a password manager and a VPN
- 24/7 customer support
- Identity theft insurance
- Lack of advanced ID theft protection features
2. Norton LifeLock – ID theft protection for large households
|Dark web monitoring:||Yes|
|Current deal:||🔥Get up to 66% OFF Norton Antivirus🔥|
Norton is one of the oldest antiviruses that's been improved for over two decades. Currently, it offers Norton LifeLock toolkit to protect users against identity theft and issue up to $1.000.000 ID theft insurance.
Why did we pick it?
- ID data monitoring. Norton checks the furthest corners of the Internet for scams that include your date of birth, SSN, mobile phone number, mother's maiden name, bank account, address, email, and even a gamer tag. You can add more than one option to expand the security perimeter – a useful feature for large families.
- Freeze your credit. You'll find the links to freeze credit on LifeLock’s dashboard with the top three major credit bureaus: Equifax, TransUnion, and Experian. It will shorten the response time in case of a credit scam, which might just be enough to prevent criminals from emptying your bank account.
- Notifications. LifeLock will alert users of suspicious online activities. You will see a pop-up if there's an unusual bank or credit activity, fraud in investment accounts, address change, etc. Everything is presented in a separate organized dashboard tab.
- Support. You can contact the 24/7 US-located client support specialists that will assist you in restoring your stolen identity.
- Excellent cybersecurity features. Alongside identity theft protection, Norton offers an exhaustive list of additional features. There's a VPN with unlimited bandwidth, an efficient antivirus, phone takeover monitoring, and more.
Norton LifeLock Identity Advisor is the most affordable plan, which costs $19.99 for the first year. However, more advanced features are unlocked on a higher-tier plan.
- Outstanding ID theft protection
- Reliable antivirus software
- Unlimited bandwidth VPN
- Insurance for identity theft
- 24/7 customer support
- More advanced features unavailable on cheaper plans
3. McAfee – cybersecurity veterans with solid ID theft protection
|Dark web monitoring:||Only for email|
|Current deal:||🔥Get McAfee, save up to 67%🔥|
McAfee is the first-ever commercially available antivirus with features beneficial for older adults, like an easy setup process and tech-support scam alerts.
Why did we pick it?
- ID data monitoring. McAfee Total Protection will scan the dark web and the regular Internet for malicious activities with your personal details. If there are any, it will outline the issues and provide easy-to-follow solutions.
- Trust score rating. Upon inputting your personal details for online monitoring, McAfee will assign you a trust score with steps on how to improve it. They designed it to be game-like and engaging, which we found appealing for seniors.
- Low resource consumption. Resource-friendly McAfee Total Protection suit is an excellent choice for older adults that have no need for RTX 4090-level computational power.
- Insurance. McAfee offers two levels of insurance policy: advanced and ultimate. The former provides up to $1.000.000 in reimbursement dealing with ID theft. The latter adds $25.000 ransomware protection and expert-level online support.
McAfee offers a variety of payment plans. However, the most affordable starts from $39.99/year, offering sufficient ID theft protection and additional online safety benefits.
- Intuitive design
- Provider ID theft insurance
- Trust score rating
- Easy setup
- Mandatory auto-renewal to unlock full benefits
- Customer support does not specialize in ID theft
4. Bitdefender Ultimate Security – top cybersecurity tool with identity theft protection features
|Dark web monitoring:||Yes|
|Current deal:||🔥Get Bitdefender for up to 62% OFF!🔥|
Bitdefender Ultimate Security provides all-around cross-device senior identity theft protection for up to ten individual devices. It should be your priority choice if you're looking for comprehensive cybersecurity alongside identity theft protection.
Why did we pick it?
- ID data monitoring. Bitdefender scouts the dark web to notice any suspicious activity related to your personal information. Moreover, its ID theft protection toolkit includes lost wallet assistance, social media, and data-breach monitoring, and exhaustive credit tracking services.
- Credit score tracking. It only takes an SSN confirmation for Bitdefender to pull your credit score details. The basic plan monitors TransUnion information but adds Equifax and Experian for Plus tier users.
- Robust cybersecurity. With Bitdefender, you will get additional benefits, such as antivirus, VPN with unlimited traffic and a password manager (all plans), parental control, and multi-layer ransomware protection. Bitdefender encompasses all the necessary features for a top-notch online safety bundle.
- Insurance. Standard plan members receive up to $1.000.000 in ID theft insurance, going up to $2.000.000 for Ultimate Security Plus subscribers.
Bitdefender does not specialize in ID theft protection. Instead, it offers a bundle of useful cybersecurity solutions that will assist in restoring stolen identity. And the starting price is as low as $23.99/year.
- Outstanding antivirus software
- Unlimited VPN traffic
- Excellent Standard plan features
- Bigger Premium plan insurance
- Lacks dedicated senior ID protection features
- No bank and credit card alerts for Standard plan
5. Surfshark – an easy-to-use solution for general online safety
|Dark web monitoring:||Yes|
|Current deal:||🔥Get Surfshark Antivirus - 76% OFF!🔥|
Surfshark is well known for its user-friendly identity theft protection service. Its simplistic design and affordable two-year plan make Surfshark a strong contender for the best identity theft protection for seniors.
Why did we pick it?
- ID data monitoring. Surfshark will not leave any stone unturned in monitoring the Internet for identity theft. Coming from a privacy-protection cybersecurity company, it identifies data leaks and provides efficient online privacy protection solutions.
- App design. The application is extraordinarily easy to use, where most features are one click away. It is easy to set up and will walk you through the identity theft protection process.
- Additional features. Surfshark is an excellent choice if you're looking for a VPN service coupled with ID theft protection. It will mask your original IP address and encrypt the data flow to maximize online privacy protection.
- Data removal. You can use Surfshark’s Incogni premium tool to remove personal information from online sites. Cleaning your online derelicts will reduce data exposure and minimize the risks of a data leak.
Surfshark offers the basics of identity theft protection. However, it's a useful addition to its sophisticated online privacy-protection toolkit. It's also one of the more affordable options, going for $41.88/month and giving unlimited simultaneous VPN connections.
- Easy to use
- Real-time IS theft alerts
- Provides a professional VPN
- Additional data removal tool
- No ID theft insurance
- Basic senior ID theft protection features
How we selected the best ID theft protection for seniors
Identity theft protection services significantly differ per provider. Furthermore, some services are more applicable to seniors than others.
When picking the best providers for this list, we based on the following testing criteria:
- Security and performance. We ensured each listed provider excels in monitoring the dark web and the regular Internet for PII leaks and that they would include the analysis of previous data breaches and real-time alerts for contemporary incidents.
- Ease of use. When testing, we looked for identity theft protection apps that provide a clear interface with simplistic data visualizations that are easy to follow for users of any mature age.
- Customer support. Professional customer support to assist seniors in recovering stolen identities is of utmost importance. That’s why we picked the best senior ID theft protection services that include a responsive support team trained in dealing with ID theft fraud.
- Pricing. Old or young, a good price-to-quality ratio is a must. Therefore, we picked only those identity protection services that offer robust protection for a fair price.
What makes the best identity theft protection for seniors?
There are several key factors to consider when choosing the best senior identity theft protection software.
- Credit monitoring. Seniors are frequently targeted by various frauds that exploit their stable financial income. The best senior ID theft protection software should monitor details from the three major credit bureaus: Equifax, Experian, and TransUnion.
- Dark web monitoring. Stolen personally identifiable information is often sold on the dark web. Any reliable ID theft protection service must scrutinize the dark web for any illicit activities regarding senior PII.
- Identity theft insurance. A solid theft insurance policy benefits the older generations because they have a stable income that's unlikely to change. In case of financial damages, insurance will remediate the losses without negatively affecting the victims' lifestyle.
- User-friendly interface. Because seniors grew up with an entirely different digital technology, their ID theft protection software must have an intuitive and simplistic design. Step-by-step guides are a significant advantage.
- Responsive customer support. Retrieving stolen identities is a tricky task for the best of us. Seniors should look for an efficient and responsive support team when dealing with such complex issues.
Why are older adults at more risk for identity theft?
Cybercriminals often look for the easiest targets with the biggest potential financial returns. Unfortunately, seniors fit into both categories.
Many seniors can't keep up with the rapidly changing technological environment. For example, online banking was commercially introduced at the turn of the Millennium but gained real traction over the last decade due to smartphones.
Moreso, older generations are more financially stable than younger adults or teenagers. They often have hefty life savings – which is not commonly found among young people. And their high credit scores allow taking bigger loans with easier procedures and draw less attention.
Finally, they tend to be more trusting because of the different times they grew up. Con artists were rare compared to the current amount of experienced cybercriminals or script kiddies looking for beer money with automated Phishing email frauds. Therefore, ID theft software nowadays is particularly important, providing real-time alerts about possible scams, like changes in credential accounts or breached emails.
What can seniors do to protect their identity?
Here are several easy-to-follow steps older adults can take to protect their identity:
- Use identity theft protection. Such software was designed to identify various ID theft scams and protect sensitive information from falling into the wrong hands. It includes credit monitoring, which is especially important for seniors with excellent credit score ratings.
- Use additional cybersecurity software. Other cybercrime methods often accompany identity theft. Additional cybersecurity software, like antivirus and a robust VPN, will protect seniors against the most common cyberattacks.
- Regularly check financial records. Senior ID theft almost always ends up in dubious financial operations. It is best to regularly check your financial transactions to verify no one else is using your banking details for their own gains.
- Don't answer unknown numbers. Seniors are the primary target for phone scams. So, don't hesitate to terminate the call if you're unsure about the caller's number or find the conversation suspicious.
How to find out if someone is using your identity
Identity theft does not require direct contact with the victim. The information can be stolen and exploited without the victim's knowledge.
Here's how to tell if your identity has been stolen:
- Check your bank account. If you notice any transactions or withdrawals you have not ordered, chances are high that someone else is using your bank account.
- Review credit reports. Criminals can take loans or open new accounts in your name if they successfully obtain enough information to counterfeit your identity.
- Track your bills. If you suddenly stop receiving certain bills or start getting new ones, you may be a victim of identity theft.
- New purchases and online subscriptions. Stolen identities are often used to subscribe to various online services or purchase goods in online shops. Take time to go through your purchase history to verify you did each.
- You receive unexpected physical mail. You may be a victim of loan fraud if someone steals your identity and uses it to take loans in your name. The responsible credit agency will have your address in its database and send letters to your mailbox.
- Use identity theft protection tools. Fully-developed ID theft protection software will include the discussed features in one comfortable app. Use it to monitor PII leaks on the dark web, freeze credit upon identifying suspicious activity, and protect your devices from malware and other cybercrime methods.
What's the best free identity theft protection for seniors?
There are various free identity theft protection tools. However, it is best to rely on a professional paid service.
A free senior ID theft protection software will scan the dark web for data leaks, but its database could be outdated. In such cases, it will alert of older data leaks but will not provide crucial information on more recent security incidents, introducing security vulnerabilities.
On the other hand, most banks have a robust security system that alerts you of suspicious activity. As useful as it is, without additional features like dark web monitoring, it is not enough. Likewise, credit bureaus like Experian offer free credit monitoring features that you can use within their capabilities.
Free or freemium tools are better than nothing, but you must be mindful of their limits. Therefore, we suggest going for a premium provider, like Aura, and using a 14-day money-back guarantee to test the service for free before committing to it.
Senior ID theft is a common cybercrime method that exploits several attributes unique to this demographic group. Hackers pose a serious threat to older generations expecting higher monetary returns compared to other targets.
Using reputable identity theft protection for seniors can help you secure your sensitive information hassle-free. Providers, like Aura antivirus, are easy to use, monitor all the required data, include additional features like a VPN, and offer reliable 24/7 customer support.
More ID theft guides from Cybernews
What is the best senior identity theft protection software?
Aura antivirus provides the best ID theft protection features applicable to older adults. The application is reliable and easy to use, with real-time credit monitoring and a family-friendly payment plan. Additionally, there's a password manager, VPN, and antivirus for a robust cybersecurity structure.
What would keep an older adult from reporting identity theft?
Identity theft does not require direct contact with the victim, which delays the response rate. Seniors may be unaware a malicious party is exploiting their identity. Occasionally, they cannot identify specific activities as fraud due to lacking technical know-how. Sometimes older adults don't know the correct channel to report ID theft cases.
How much does Norton LifeLock cost for senior identity theft protection?
Norton LifeLock Identity Advisor is the most affordable senior ID with a starting price of $19.99/year. However, advanced features like credit reports or phone takeover monitoring are only available on the Ultimate Plus plan, which increases the price to $19.99/year.
How do I get a credit report for my parents?
United States law allows getting one free copy of their credit report from the three major credit reporting agencies: Equifax, Experian, and TransUnion. However, you can use ID theft protection software that provides a credit report feature to keep tabs on their credit activities to prevent ID theft.