How to Buy Prepaid Legal Services

Prepaid legal services give people access to legal services that they otherwise would not be able to afford. The advantages of prepaid legal services far outweigh the average expense of between $12 to 20 per month. However, there are some things you should keep in mind before committing to that monthly payment.

Difficulty:

Moderate

Instructions

1. Assess your present and future legal needs. For the most part, nobody wants to have to use a lawyer for anything. But if you need a will or plan to buy or sell a house, prepaid legal services will save you money.

2. Check with your employer. Many employers offer prepaid legal services as part of their voluntary benefits package.

3. Research the company selling prepaid legal. Prepaid legal scams do exist, so make sure the firm from which you are buying your policy is legitimate and has a clean track record. Check with the Better Business Bureau to find out.

4. Investigate the law firm. Check with the American Bar Association to make sure that the lawyers have no history of problems and that the firm is reliable and trustworthy.

5. Choose a plan that fits your needs. Don't let anyone push you into buying more coverage than you need. For example, if you don't have minor children, there is no reason to pay more for a plan that covers custody issues.

Tips & Warnings

• Look at prepaid legal the same as insurance. You may not put it to use for anything but drafting a will or legal advice, but if something comes up unexpectedly, you will be glad you have it.

• Shop for prices and plans to get the best rates.

• Buy a plan that covers only what you think you will need. Make sure you have the option of canceling if you aren't happy with the plan.

Resources

• Get more information on prepaid legal services at Expertlaw.