Compare Loudsiren & Lifelock

We all know that identity theft is in high occurrence at internet. Thus we need to secure our identity when we transact something especially online. There are many available security companies that offer great securities. Two of which are Loudsiren and Lifelock. But we must choose the best, thus we need to compare loudsiren and lifelock . What are the factors to consider when choosing? This is the question that lingers to our mind when we have to choose. For me the important factors are the following (my top 3):
1) Retail Price
2) Insurance
3) Company reputation
For me if the above factors are met, then that will be my victor.
So, let's start with retail price for loudsiren they offer only $99 per year, while lifelock is offering $110 per year. Let's check the insurance, for loud siren they offer $25,000 Identity Protection Insurance underwritten by AIG while for Lifelock they offer none and the last on my list is the company reputation, for loudsiren it was excellent since it is consumer direct partner of Debix, Inc., which was selected by several States as their sole ID theft solution, while for lifelock it was only good since it has a recognizable brand name, but has suffered some negative publicity. So for me i'll chosse loud siren to protect me from identity theft.