Identity Guard Review 2026: Value, Total and Ultra Pricing, Pros and Cons

Identity Guard is the budget brand in a market where LifeLock and Aura set the price ceiling. It is a trademark of Aura, and it sells a simpler grid: three plans, each for one adult or a whole family, with the same app and the same US-based support on all of them.

Cyberpresso data: our check of Identity Guard's six annual prices on its plans page in November 2026 found that every plan renews at 19.9% to 20.0% above its first-year price (our arithmetic on the printed first-year and renewal charges). That gap is the number to plan around, because the headline monthly figure on an annual plan is a first-year price.

This review lists what each plan monitors, works out the first two years for one adult and for a family, and compares them with Aura and LifeLock on their own pricing pages, all read on November 4, 2026.

Identity Guard is an identity theft protection service for US consumers. It watches the dark web, data breaches and high-risk transactions on every plan, adds bank account and 3-bureau credit monitoring from Total, and adds a wider set of account and record monitors on Ultra. When something goes wrong, a US-based care team helps, and identity theft insurance underwritten by American Bankers Insurance Company of Florida covers eligible losses.

Every plan also includes safe browsing, a password manager and the iOS and Android app. For the wider field, including services with stronger device security, our identity theft protection ranking compares the main providers.

You pick a plan and choose individual (one adult) or family (5 adults and unlimited kids), then pay monthly or annually. Child members on a family plan get online account monitoring and Social Security number monitoring only; every adult gets all the listed benefits.

Annual plans carry a 60-day money-back guarantee when bought on the website or through customer support, and you request the refund by phone. Monthly plans can be cancelled at any time by contacting Identity Guard. Because the annual price rises at renewal, put a reminder in your calendar before the first year ends if you plan to compare offers.

Identity Guard lists three plans, each for an individual or a family, billed monthly or annually. Monthly: Value $8.99 or $14.99, Total $19.99 or $29.99, Ultra $29.99 or $39.99. Annual billing takes 16% off the first year only, and every renewal is charged at twelve times the monthly rate (the full grid is in the table below). Prices were checked on November 4, 2026 on the Identity Guard plans page.

Scenario one, one adult on Total for two years. Paying annually costs $200.04 in year one and $239.88 at renewal, $439.92 over two years. Paying monthly costs $479.76 for the same 24 months. LifeLock Advanced lists $199.99 a year with the same price at renewal, so the two are level in year one and LifeLock is cheaper in year two. Aura Individual lists $12 a month billed annually, or $15 billed monthly. All totals are our arithmetic on list prices.

Scenario two, a family on the top plan for one year. Identity Guard Ultra Family costs $399.96 in the first year for up to 5 adults and unlimited kids, then $479.88 a year. LifeLock Total for 2 adults and kids is $749.99 a year, and Aura Family is $32 a month billed annually ($50 monthly) for 5 adults. For a large household, Identity Guard and Aura both cost far less than LifeLock.

Two offers move around. The plans page also showed a 50% first-year price with a countdown, such as $53.88 for Value Individual; treat it as a limited-time offer, because it renews at the same rate as the standard annual plan. And the 60-day refund applies to annual plans only. Rival prices come from the Aura pricing page, the LifeLock plans page and the Experian plans page, read the same day. Insurance terms are set by the policy, so confirm them in the summary of benefits before you buy.

Identity Guard fits a household that wants credit monitoring for several adults without paying LifeLock's family prices. Total Family covers up to five adults with 3-bureau monitoring, and Ultra Family adds the credit lock and fraud resolution for less than LifeLock's top family plan. It also suits someone who wants a short, clear plan grid.

Skip Value if credit fraud is your main worry, because it has no credit monitoring. Skip Identity Guard if you want antivirus and VPN in the same subscription: Aura bundles device security, as our Aura vs LifeLock comparison shows. If your concern is people-search sites rather than credit, a data removal service such as DeleteMe or Incogni targets that directly.