Personal legal insurance, also called “group legal services insurance” or “prepaid legal services,” is designed to make legal services more affordable. It’s not really insurance, however; it’s a discount plan.
Personal legal insurance companies differ somewhat in the coverage they offer. Further, if you get your personal legal insurance through your employer (many large companies offer it to their employees as an optional benefit), be aware that your employer can customize the coverage available to its employees.
Further, personal legal insurance plans divide different types of legal services into different categories, and there may be limits on how much service the plan will cover in each category. For example, to use “preventive” legal services such as having an attorney review your will, the plan might cover one hour of service per calendar quarter.
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