"Honey, I don't know how the thieves got in, but our bank accounts are drained. All our money is gone!"
"Honey, don't worry! I called Lifelock months ago and signed us up for their service. We're covered! We've got nothing to worry about!"
We've all heard the Lifelock Commercials- smarmy dope opens by telling us his Social Security Number (Oh My God! What's he doing?? Is this man CRAZY? Doesn't he know that his Identity can be stolen using his sacred, Top-Secret, used only on Driver's Licenses and Student IDs and countless other readily-available government documents Social Security Number?) He's not afraid, though, because he has LifeLock!
The guy in the commercial quoted above signed himself and his wife up for Lifelock "months ago," which means he handed over his SS number, and his wife's, and God Knows what other financial information, to some huckster he heard on the radio. You just learned something about your husband's respect for your privacy, lady- and how do you respond? "Thank goodness you made that call!"
But wait- what does Lifelock really offer? "They have a million-dollar guarantee- that means they'll spend up to a million dollars fixing our lost identity problem." Does that mean that if your bank accounts are cleaned out, like this couples has been, Lifelock will put back up to a million dollars? HELL NO! It means exactly what they say (give them credit for honesty on this point)- they'll spend up to a million dollars restoring your identity. The cash removed from your accounts? That's between you and your bank.
Sorry, lady- but despite what your incredibly disrespectful husband told you (and you really should sit down and ask him what else he has done in your name and without your consent- any Life Insurance policies you should know about? Investments? Time Shares?) you have plenty to worry about. Lifelock may be helpful in getting bad credit ratings created by imposters removed from your files, but they aren't going to be sending an agent down to the bank with a check to replace your lost cash.
And here's my cheaper alternative: If I'm ever dumb enough to sign up for Lifelock and I get my identity stolen, please don't spend a million dollars restoring it. For half that amount, I'll accept a brand-new identity. Just cut me a check, and I'll walk away. I like my name, but I'm not married to it. I'd even wish the very best to the poor sap who stole my identity and thought he was getting something of immense value. :>)