LifeLock is an identity-theft protection service. RMO MyShield is an income-disruption protection plan. They’re sometimes confused because both contain the word “protection” — here’s exactly what each does and when you might want one, the other, or both.
LifeLock watches your identity. MyShield pays your bills when income stops. Pick by problem — many members carry both.
These two are complements, not direct substitutes. If you have one and not the other, you have a coverage gap on the side you’re missing.
RMO MyShield vs. LifeLock on what they protect, how they pay, and when you’d use each.
| Feature | RMO MyShield | LifeLock |
|---|---|---|
| Product category | Income-disruption protection plan | Identity-theft monitoring + restoration |
| Primary trigger | Job loss, disability, hospitalization, qualifying event | Identity theft, dark-web exposure, credit inquiry |
| Primary benefit | Monthly cash benefit for household expenses (by tier) | Alerts + identity-restoration support + reimbursement up to plan limit |
| Credit monitoring | Not the main job — available via separate RMO Bank products | Yes — 1 to 3 bureau monitoring depending on plan |
| Dark-web monitoring | Not included | Yes |
| Bank-account alerts | Available in MyRMO across RMO products | Yes — on plans that include it |
| Stolen-funds reimbursement | Not covered | Yes — up to plan limit (typically $25K, $100K, or $1M) |
| Pricing model | Flat monthly tier (MyShield I-IV) | Tiered monthly subscription |
| Household coverage | One plan covers household | Per-account, family plans available at higher tier |
| Bundles with other products | Yes — via RMO membership | Sometimes bundled with Norton 360 antivirus |
Comparison details summarized for context. See RMO MyShield plan disclosures and LifeLock plan documents for current features, reimbursement limits, and conditions.
If your fear is “someone is opening accounts in my name,” LifeLock is the right tool. If your fear is “what if my paycheck stops next month,” MyShield is the right tool. They aren’t alternatives — they’re two layers of a complete financial-safety stack.
Personal Membership unlocks every RMO Protection plan including MyShield I-IV. Apply in minutes online.
Tier I covers basic necessities. Tiers II-IV expand to housing, transit, childcare, medical, and debt. Pick what matches your household risk.
If a covered income-disruption event occurs, file via MyRMO. Approved claims pay a monthly benefit you can use for what your tier covers.
No. MyShield is an income-disruption protection plan. It pays a monthly benefit during covered events like job loss, disability, or hospitalization — not for identity theft. For identity-theft monitoring and restoration, LifeLock and similar services are the right product category.
“Financial Protection” describes the financial outcome — protecting your ability to pay bills when income stops. The product mechanic is income disruption, not identity monitoring. We surface the distinction prominently on the family page and in plan disclosures.
Often, yes. The two cover different risks. LifeLock watches your credit and identity; MyShield bridges household expenses during income disruption. Many members carry both.
Identity monitoring is available through related RMO Bank and partner-bank offerings. Check the RMO Bank product pages or the security center for current member offerings.
If identity theft leads to a qualifying income-disruption event under your MyShield tier (for example, you have to take time off work to resolve identity issues and that meets your plan’s definition), the MyShield benefit may apply. The trigger is the income-disruption event, not the identity theft itself.
Guides, plans, and more RMO comparisons to help you decide with confidence.
Become an RMO member and choose the MyShield tier that matches your household risk. One flat monthly tier — no per-policy underwriting, no age-based premiums.
