Are Pre-paid services worth the money?

You may be covered when it comes to health, life, car or home insurance…

but what about legal coverage?



The question is not if you'll need a lawyer, but when: according to the

American Bar Association (ABA) "Americans have come to view legal

assistance as a necessity". Yet, most Americans have not used a lawyer

more than once due to the sky high attorney fees – anywhere from $100 to

$1000 per hour – and the trepidation involved in the search for legal

services.



Prepaid legal insurance might just be the answer you have been looking

for. The concept is simple: for a fixed monthly subscription, you get

telephone access to advice from a lawyer. You pay a fixed amount in

advance each month to defray the cost of legal services furnished in the

future. These services span various areas of the law, anywhere from reviews

of simple legal documents and the writing of a simple will to more

comprehensive coverage of trials, divorce, bankruptcy and real estate

issues.



Pre-paid legal coverage is a very attractive proposition for people who

don’t have the resources to retain a lawyer on a regular basis whenever

they need assistance. You effectively have a network of attorneys you can

use as retainer to seek preliminary advice about what the issues are and

how the procedures work whenever legal matters arise. Services not covered

by the plan are available to members for a discount on regular hourly rates

or flat fees.



A hard fact, however, is that more than half of new subscribers drop out of

a prepaid plan after their first year. One reason could be that many members

do not require any legal assistance during their first year, so opt out. Another

reason is the scope of services offered, which are very basic and limited

in nature. Most plans have certain caps or maximums as far as benefits

provided are concerned, and purport to offer discount on standard attorney

fees instead. However, by virtue of simply calling around by yourself you

could probably negotiate a lower rate.



Another problem with pre-paid legal plans is the likelihood of getting

assigned to a novice attorney. Because of cost considerations, many of the

companies behind per-paid services assign trainee or inexperienced

attorneys to handle phone consultation and drafting of simple legal

documents. You are also less likely to build rapport and understanding,

two of the most important attributes of choosing a good attorney, as over

90% of the work is done over the phone.









Learn How to get up to 19 Checks Per Month, Earn Upwards of $519.17 Per Day, and Personally Sponsor 107 Reps into YOUR Primary Business in 60 Days or Less Marketing 1 Simple Website. Click Here To Get Access Now!