If you are worried about the recent Equifax breach or if you've known anyone who has first hand experienced Identitfy Theft then the fees for a identify protection/monitoring service is worth the money for peace of mind and guidance when it does occur. Equifax is also currently offering fees on credit fees for 30-days, free year of service (with no autorenewal) and they have also removed the waiver on liability should you check to see if your account was affected (Source cnn.com).
Standard $8.99/mo: Proactive Protection to protect against Identity Fraud + up to $1-Million Insurance to cover expenses caused by fraud
Ultimate $26.99/month - Includes Alerts for Investment Accounts & Bank Takeovers, Monthly Credit Score Tracking, and more
LifeLock monitors all your vital financial and personal information and alerts you when something is amiss. They watch black market sites that may sell your information, so if someone opens a bank account with your social security number or your home address pops-up where it shouldn't, you will be alerted. LifeLock tracks logins of your financial accounts and includes 24-hour live support along with identify theft recovery should anything happen. In the case your identity is stolen, they have a $1 million protection plan to hire experts, lawyers, investigators, consultants and anyone else who will help you recover your identity.