As AI gives cybercriminals new ways to trick victims, from deepfake videos to vibe-coded fake websites, scams are only getting more convincing. LifeLock’s Scam Support feature gives you the expert help you need to fight back, and Scam Reimbursement provides a valuable financial safety net of up to $10,000 in coverage for losses.
From phishing emails and impostor calls to fake websites and fraudulent payment requests, scammers are constantly finding new ways to trick people into sending money or sharing sensitive information.
In fact, the 2025 FTC Consumer Sentinel report shows total reported losses from scams and fraud hit $12.5 billion in 2024, 25% higher than the year before. And one in three people who were targeted by a scam lost money, with an average loss of just under $500.
Thankfully, scam protection capabilities are advancing, too. LifeLock’s Scam Support feature, included in LifeLock Advanced and LifeLock Total, provides access to a 24/7, AI-powered Virtual Advisor and team of scam experts to help you identify scams. Plus, scam reimbursement covers up to $10,000 in eligible losses,1 providing a safety net that banks rarely offer if you fall victim to a scam.
Learn how LifeLock’s Scam Support and Reimbursement work, why such features are increasingly important, and how to get scam protection on your plan.
How LifeLock’s Scam Support works
LifeLock’s Scam Support feature helps you respond quickly and confidently when you suspect you’re being targeted by a scammer. You can get immediate help from a 24/7 Virtual Advisor with real-time scam detection capabilities, or you can contact one of our scam support assistants by phone to break down suspicious texts, emails, calls, or websites.
Here’s a step-by-step guide to how it works:
Reach out if something feels suspicious: If you get a message, email, or phone call that doesn’t seem right, or you end up on a website that’s ringing alarm bells, open the Virtual Advisor in the app or call a LifeLock scam support expert.
Get help evaluating the situation: The AI-powered Virtual Advisor will analyze any messages or screenshots you send and help you decide whether they're a scam. Alternatively, a LifeLock expert can manually review the suspicious material and provide an assessment.
Receive guidance if you’ve already been scammed: If you’ve already suffered from a scam, the LifeLock support team can help guide you through next steps, like contacting financial institutions, securing accounts, and claiming reimbursement.
LifeLock Scam Support is designed to be a reliable safeguard against scams you might encounter day-to-day. So if you ever suspect you’re being scammed, you’ll always have an expert opinion just a few clicks away, so you don't have to face a suspicious situation alone.
Screenshots from Scam Support & Restoration features in the LifeLock app.
What Scam Reimbursement covers
Scam Reimbursement Coverage helps compensate for some of the financial losses caused by scams that go undetected. LifeLock Advanced includes up to $5,000 in scam reimbursement, while LifeLock Total includes up to $10,000. This is in addition to LifeLock’s identity theft reimbursement coverage of up to $3 million† — providing multifaceted financial protection.
The Scam Reimbursement feature covers you against some of the most common scam methods, including:
Online scams, such as being tricked into sending money from your bank account.
Unauthorized transactions, including fraudulent use of your credit card or accounts.
Cyberextortion, such as demands for payment to unlock data or prevent its release.
Coverage applies only to direct losses from a scam discovered during your plan term, reported within 60 days of discovery, and not eligible for reimbursement by another third party. Full details of Scam Reimbursement Coverage’s terms are available in the Summary of Benefits.
How LifeLock protects you when banks don’t
Banks and credit card companies often reimburse losses from fraud, such as when stolen credit card details are used to make purchases without your permission. But banks don’t always refund scammed money from social engineering schemes if you were tricked into sending the money yourself. LifeLock’s Scam Reimbursement feature helps address this gap, covering you against losses from more scam types.
Plus, while some banks provide basic in-app warnings before you send a payment to a potential scammer, such alerts are often limited to the final transaction step at the payment screen. LifeLock’s Scam Support feature is designed to help identify scams across a wider range of scenarios and platforms — from suspicious phone calls to fake websites — with guidance tailored to the situation.
Why scam reimbursement matters if you have more to lose
As your financial life grows more complex, your exposure to scams increases. You may have multiple bank accounts, credit cards, investment platforms, and retirement funds, all of which can be targeted by scammers. Just one slip-up, whether you get targeted by a sophisticated AI scam or you’re simply in a rush, and your money could end up in someone else's pocket.
That’s why LifeLock plans are designed to suit people at different points in their financial journey, with features and reimbursement coverage to match.
LifeLock Core
LifeLock Advanced
LifeLock Total
Best for
People early in their financial journey
People with growing finances
People with a diverse mix of financial accounts
Scam reimbursement coverage
NA
$5,000
$10,000
Identity theft insurance
Up to $1.05M
Up to $1.2M
Up to $3M
Suspicious financial account activity alerts
2 accounts
5 accounts
Unlimited accounts
401(k) and Investment Activity Alerts
Join LifeLock for scam support and reimbursement coverage
Scams are an everyday threat online. Whether you’re shopping, banking, or just browsing, scammers are always looking for ways to trick you. LifeLock’s Scam Support offers a powerful line of defense in the form of expert scam detection advice delivered in real time.
And, if you fall for a scam, you’ll get financial protection with up to $10,000 in reimbursement coverage for eligible losses. Plus, as a LifeLock member, you’ll also benefit from proactive tools that help you safeguard against fraud, including automatic data broker removal, credit monitoring, and identity theft alerts.
How much scam reimbursement coverage do I get with LifeLock?
LifeLock Advanced includes $5,000 in scam reimbursement coverage, and LifeLock Total increases that coverage to $10,000. This far exceeds the median consumer loss to scams, according to the FTC’s 2024 Sentinel Report, helping provide additional financial protection and peace of mind.
Does Scam Reimbursement replace my bank’s fraud protection or other insurance?
No, LifeLock’s scam reimbursement coverage is only applicable when your money isn’t refundable by another responsible third-party, like your bank or credit card provider. It’s designed to offer protection that banks don’t.
How does Scam Reimbursement work with LifeLock’s Million Dollar Protection Package?
Scam Reimbursement includes up to $10,000 in coverage specifically for scam-related losses that might not be covered by your bank. The Million Dollar Protection Package is an identity theft reimbursement feature that provides up to $3 million in coverage, split between reimbursement for financial losses, legal costs, and personal expenses following identity theft.
In other words, Scam Reimbursement is one part of LifeLock’s broader protection offering. It works alongside the Million Dollar Protection Package to help cover different types of financial risk.
How do I file a scam reimbursement claim if I’ve been scammed?
If you’ve been scammed, start by contacting LifeLock support as soon as possible. They can guide you through the next steps and help you open a claim. Make sure to report the loss within 60 days of discovering it.
Who is eligible for Scam Reimbursement and where is it available?
LifeLock’s Scam Reimbursement is available to LifeLock members who are actively enrolled in an eligible LifeLock Advanced or LifeLock Total plan, except New York residents.
† Up to $1 million for coverage for Lawyers and Experts included on all plans, plus reimbursement and expense compensation up to $25,000 each with Core, $100,000 each with Advanced, and $1 million each with Total. Insurance benefits are issued by third parties. See LifeLock.com/legal for policy info.
1 Scam protection coverage as part of identity theft benefits is currently available to all customers residing in the United States, including U.S. territories and the District of Columbia, with the exception of New York. Gen Digital is not a licensed insurance producer. Benefits under the Master Policy are issued and covered by HSB Specialty Insurance Company. You can find further details and exclusions in the Summary of Benefits.
Shashwat leads LifeLock product management to help people better protect their identities and finances, with over a decade of experience building award-winning consumer products.
Editors’ note: Our articles provide educational information about identity theft, scams, financial fraud, and other topics that can put your identity or personal accounts at risk. LifeLock offerings may not cover or protect against every type of crime, fraud, scam, or threat we write about. For more details about how we write, review, and update our articles, see our Editorial Policy.
