The Best Legal Insurance Companies. Many consumers do not have an attorney, much less a good attorney, that they can call when in need. Most attorneys are specialist and can only help with a narrow set of legal problems. Some prepaid legal plans come with a network of attorneys from a variety of backgrounds and specialties.
The benefit of being able to tap into an attorney network is knowing you can consult with a vetted attorney that has expertise in the area of law in which you need assistance.
Prepaid legal plans resemble legal insurance, but they are not insurance. A prepaid legal plan is a contract that wherein the legal provider agrees to provide certain legal services through a network of attorneys.
The Best Legal Insurance Companies
|The Best Legal Insurance Companies|
These is recommended for the best legal insurance companies who must you know.
You may be familiar with LegalZoom as a DIY legal document provider, but LegalZoom also offers an affordable pre-paid legal plan. Available at $9.99 per month for a 12-month commitment or $11.99 per month for a 6-month commitment, you’ll gain access to
LegalZoom’s nationwide network of attorneys, including an unlimited number of 30-minute consultations on new legal matters, free review of short legal documents and a 1-hour annual legal review with an attorney, included with the 12-month plan. Additional legal services are discounted 25% off standard attorney fees.
2. Nationwide LegalGuard
Nationwide provides two no-deductible plans for individuals, LegalGUARD Advantage at about $17 per month and LegalGUARD Optimum, which is priced at about $24 per month. An $0.85 administrative fee is also billed each month.
Both plans offer similar coverage types, and a big difference is that the Optimum plan does not have a waiting period and includes uncontested divorce benefits, a coverage that some other providers shy away from.
Spouses are covered as well, as are dependents up to 19 years old or up to 25 years old if they are full-time students.
LegalGuard offers a mix of full coverage and fixed-rate coverage, depending on your legal need. Living wills, for example, are provided at no additional charge, though there may be a cost for additional documents like power of attorney. Other legal matters like traffic tickets have a flat rate of $89 with the Optimum plan.
3. ARAG Legal Insurance
With monthly rates similar to those from Nationwide, ARAG also offers two plans at about $17 per month and $25 per month. ARAG has a $250 deductible, after which your plan pays 100% of in-network attorney fees for paid-in-full covered matters.
Coverage levels vary depending on your needs. For example, premarital agreement services are available at no extra charge (after deductible), but other marital or cohabitation agreements are offered at a 25% discount to the attorney’s standard fee.
Alimony and child support matters are also offered as discounted services, and you can get covered for real estate, consumer protection and estate planning matters.
ARAG’s network of over 14,000 attorneys helps ensure you’ll find expert help in your area to better protect you and your family.
As one of the best-known legal insurance providers, LegalShield offers coverage for a wide range of legal matters. Some types of legal issues are only offered as a discounted service, however, like DUI/DWI, bankruptcy and contested divorce.
Some other services may be limited by the number of hours covered, like trial defense representation. The number of covered hours increases with each year of membership, up to a maximum of 300 hours for trial defense.
As with similar plans, your LegalShield individual plan covers the insured member, his or her spouse and dependents in most cases. Only one plan is available for individuals, priced at $24.95 per month, with specialized plans available for business or CDL coverage. Pricing may vary by state.
LegalShield’s network is smaller than some competitors, with less than 1,000 providers listed.
5. Rocket Lawyer
Rocket Lawyer provides DIY legal documents similar to LegalZoom but includes many services at no extra charge if you purchase a membership, which also comes with access to Rocket Lawyer’s network of attorneys.
Rocket Lawyer’s 7-day free membership is a no-risk way to explore the services available, after which monthly membership costs $39.99. Discounts of up to 40% apply if you hire an attorney from
Rocket Lawyer’s on-call network and several extras come with membership, including free business incorporation for new members.
Rocket Lawyer’s 7-day free membership is a no-risk way to explore the services available, after which monthly membership costs $39.99. Discounts of up to 40% apply if you hire an attorney from Rocket Lawyer’s on-call network and several extras come with membership, including free business incorporation for new members.
Choosing The Best Legal Insurance
Legal insurance, like insurance for your home or car, is coverage you hope you’ll never need — but if you do need coverage, choosing the right plan beforehand can save hundreds or even thousands of dollars.
It may be impossible to predict which services you’ll need, however, which often makes the legal insurance plans that have the broadest coverage and widest networks worth the extra monthly cost.
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