Is the Prepaid Legal Membership Really a Ripoff?

Is the Prepaid Legal membership really a ripoff?

Pre-paid legal services, inc. is the most widely known company that offers legal expense plans. There are other company's but Pre-paid legal services is the oldest. They have been in business since the early 70's.

I was sold a prepaid legal membership two years ago by a friend. The way he explained the membership to me was that it was a life events legal plan. This meant that Pre-paid legal's membership is designed to keep customers out of legal trouble before it gets too big. Prepaid legal offer's a range of services from legal consultation, letters and phone calls on your behalf, contract and document reviews, wills, power of attorney's, moving traffic violations, lawsuits, audit's, and will's.

When I got my membership I didn't have a will and I was too afraid to try to fill it out myself without an attorney so that part of the membership was a plus. I also liked the fact that I had help with speeding tickets. There are alot of speed traps in South Carolina where I reside so that part of the membership gave me peace of mind.

However, I think the most POWERFUL part of prepaid legals membership is legal consultation. For a measly $17.00 a month I have an entire law firm on retainer for legal advice. If I need to speak to a tax attorney, real estate attorney, family law attorney, criminal attorney, etc. I can talk with them without worrying about being billed.

I run a small business and need access to advice throughout the year. The business consultation I have received has saved me loads of time and money.

$17.00 x 12 months = $204.00 a year.

Is a Prepaid Legal membership a ripoff? That all depends on how you view your membership.

There are exclusions to prepaid's memberships that will not give you FREE coverage for some of the most popular legal problems. "Divorce", "Child Custody", "Bankruptcy", and "Drugs and Alchohol". Customers can still get help they are just offered a discount of 25%. This is where you see the most complaints to a Pre-paid legal membership. They are either oversold on how to use the membership or they believe they should have all their legal problems covered FREE of charge for $204.00 a year.

Friends, this is planet earth. This is not middle earth.

There is NO way a law firm can do everything for you for free.

To date my Pre-paid legal membership has saved me over $500.00 and in just two years of service. My attorney's have also saved me time off my job for traffic violations and having to go to court.
In my opinion a Prepaid legal membership is not a ripoff, but then again this is coming from just one satisfied customer.

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