Identity protection backed by one of America's largest insurance companies. Formerly InfoArmor, acquired by Allstate in 2018. Particularly strong at financial account takeover monitoring and retirement-account fraud detection.
Allstate Identity Protection has a winding history. It started as InfoArmor in 2006, building identity protection specifically as an employee benefits offering rather than direct-to-consumer. Allstate acquired InfoArmor in 2018 and rebranded it under the Allstate name, leveraging the parent insurance company's recognition while keeping the employer-benefits distribution channel as the dominant sales path. Many customers first encounter Allstate IP through their workplace benefits package rather than buying it directly.
The service is differentiated by financial account depth. While most competitors focus on dark web and credit bureau monitoring, Allstate goes hard on 401(k), HSA, tax-refund, and student loan monitoring, categories where identity theft can hit retirement and education funds that other services miss entirely. The 401(k) and HSA stolen funds reimbursement coverage is rare. The trade-off: only one credit bureau (TransUnion) monitored on most plans, you need the most expensive Blue Family plan for three-bureau coverage.
Three direct-to-consumer plans. Many customers access Allstate IP through their employer's benefits package at a discounted rate, check with HR before signing up direct. 30-day free trial available, card required at signup.
Positive sentiment. Positive reviews focus heavily on actual recovery experiences. Members who became theft victims describe specific restoration agents who handled multi-step recovery (banks, IRS, credit bureaus) over weeks until resolution. The 401(k) and tax refund fraud detection get specific praise from users who experienced those specific attack types, both are categories most competitors do not handle. Members who get the service through employer benefits often emphasize the value of free or heavily discounted coverage.
Negative sentiment. The disconnect between Trustpilot (4.2) and BBB (1.11) is notable and concerning. BBB reviews cluster around login issues, alert reliability concerns, and customer service response times. Some users report being enrolled through employer benefits but unable to actually use the service due to verification problems. The privacy policy's collection of browsing history (more than competitors) draws privacy-focused criticism.
Your employer offers Allstate IP as a benefit, take advantage, especially if free or subsidized. Or you specifically want 401(k), HSA, and tax-refund fraud monitoring that most competitors do not offer. Or you have a large family (up to 10 members covered, including non-dependent elders) and want them all under one plan.
You want 3-bureau credit monitoring at the entry tier (you need Blue Family for that). You are uncomfortable with the privacy policy collecting browsing history. You want a direct-to-consumer brand with more established consumer-review presence (Aura, LifeLock have more public sentiment data to evaluate).
Allstate Identity Protection occupies an interesting niche: deep financial-account monitoring (especially 401(k), HSA, tax refund, student loan) that competitors largely ignore. For someone who has retirement assets or worries about tax-refund fraud, this depth is genuinely valuable.
The buy-direct-vs-employer question matters. If your employer offers it as a benefit, the value calculation is overwhelmingly positive (often free or heavily discounted). Buying direct at $9.99 to $24.99/mo puts you in the same price range as Aura and IDShield, which offer better overall value for direct buyers.
The BBB vs Trustpilot rating disparity (1.11 vs 4.2) is unusual enough to warrant caution. Read both before signing up direct. The financial-account specialty remains the strongest reason to choose Allstate IP over alternatives.