Should You Consider Getting a PrePay Legal Plan

Most people one day will use the services from a legal advisor. Sometimes it may just be for writing wills, contracts, or if you are starting your own business a lawyer can and will be necessary. People try to do things themselves because of the high cost of legal services and if they write a contract themselves, they may lose money if it is ever challenged in court.

So what is pre-paid legal service? A prepaid legal service is where you pay a fixed monthly price you can get telephone access and advice from a lawyer or have them review and create simple legal documents such as writing a will, writing contract and real estate issues. There also could be other services depending on the coverage of your plan. Each plan is different so you will want to read your plan to see what is covered.  Most of the time the money that you save even with writing one will can be worth the cost of the monthly fees on pre-paid legal service.

Pre-paid legal services are becoming more popular as the cost of attaining a lawyer is growing higher daily. Even if the legal service that you need isn’t covered under your plan you may be able to get an attorney in your area at a fixed rate which is less than the original cost of attaining a lawyer. The scope of the services that you can get can be unlimited.  There are some things that you will want to check for when looking into getting pre-paid legal service.

1.  What is covered under your plan?

2. Does your plan have a limit to the amount of times you can contact a lawyer for questions?

3. Does your plan do documents, such as wills, contracts, and other documents?

4. Is your documents going to be done by a trainee or an experienced attorney?

5. Can you see a local attorney if you need to under your plan?

These are questions that you will want to answer before signing up for pre-paid legal service.

Usually you will have Telephone and office consultations. Usually the telephone consultations are unlimited and sometimes there is email consultations.

There could be where your pre-paid attorney on the prepaid legal service plan will write letters for you to resolve problems; they will also do follow-up phone calls for you under most plans.  

They will write legal documents such as wills, contracts. Not only will they draft the documents such as your wills, but they will also read over your legal documents such as your sales contracts, leases, and insurance policies. They will advise you on the contracts giving you legal advice on how to proceed with them.  They will also do written agreements. This is great if you are selling something like a car. This will protect you in court, if you are ever sued.

If you have a need for legal work that isn’t covered under your plan or policy, then you will usually get the services at a deep discount.  You will know exactly what you will be paying before you get started.

Some of the benefits are they are very cost –effective. Since you pay for them monthly, you can get these documents done under your plan. Some plans will start under $10 a month and depending on the services you get with the plan usually don’t go much higher. These are very affordable and you can get many services with the monthly fee.

Help is a Phone Call Away – You can get advice over the phone and have questions answered.  This can prevent you from losing money or ending up in court with the simple answer prior to you making your decision before you agree to a deal.

They are simple to Use – Since lawyers change different fees for different charges, with the pre-paid legal service you know up front before getting the pre-paid legal attorney what you will pay. Since you are paying a flat fee, it doesn’t matter how many hours it takes, you know at the beginning what everything is going to cost you to complete your project. There are no hidden charges when you use the pre-paid legal service.

Some employers are offering you the pre-paid legal service as a benefit on your job. They will give you the option of signing you for the pre-paid legal service at a reduced rate. This is something that you may want to look into while saving yourself money.

There are many great reasons for you to look for pre-paid legal service. If you need to find a good legal prepaid plan before purchasing any, do your homework and research. This can save you money even if you use it only once or twice to draft your will or your medical power of attorney. This are necessary life documents that we all need and sadly many of us don’t have them  With the pre-paid legal service you can have all these important life documents created giving you peace of mind for you and your family.