What is pre-paid legal insurance?

Reality bites. You're getting divorced. You got a ticket for over speeding. You've got a problem with your credit rating. You look for an attorney. You found one! Yet, you can't afford their hourly rate. What do you do? Never fear, prepaid legal insurance is here! What exactly is prepaid legal insurance service?

Prepaid legal insurance service works like as a legal insurance to minimize the cost of protection for a group of policy holders who pay a monthly premium. While you pay a retainer's fee or an hourly fee for your regular insurance, prepaid legal insurance lets you pay a monthly amount. You get unlimited legal consultation with a network of participating attorneys in your state or city. For a minimum monthly premium of roughly around $15-30, you get free phone consultations, will or document reviews, large discounts on legal services, written fee agreements, and grievance procedures.

There is also what you call "add-ons" where you get to pay $1 for each extra service, like a 24-hour on call service plus other services in addition to the prepaid plan itself. As in other types of insurance, prepaid legal insurance service requires its policy holders to pay a small fee per month to receive coverage on a wide range of legal services.

What do you get when you purchase a prepaid legal insurance service? You can get free consultations by phone or in the office. Members can call or meet with the attorney regarding almost any personal legal matter for up to 30 minutes at no charge or a very low rate. You can have as many consultations as long as each consultation is entirely a different situation with the other. You get free follow-up services. Some cases can be solved by just one phone call or letter that the attorney needs to do on your behalf.

You also get a free document review where an attorney will review personal documents such as leases, insurance policies, or sales contracts at no extra cost. The attorney will also answer specific question regarding your documents should the need arise. You also get a 25% or more discount off regular hourly rates or fees such as real estate purchases, criminal defense and divorce. Everything is confidential. All matters are handled between you and your attorney on a strictly confidential basis.