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Individual & Family Legal Insurance Plan

An Individual & Family Legal Insurance Plan allows you to consult with a local attorney on any personal legal matter, have legal documents reviewed, and phone calls made and letters written by an attorney to resolve legal matters—all for less than 99¢ per day.

Pricing

Services

A Covered Person has the right to (1) have a Standard Will prepared by the Provider Law Firm, or (2) have an annual review of, and amendment to, an existing Standard Will by the Provider Law Firm. The Covered Person desiring a Standard Will must provide all requested information to complete the Standard Will. The Standard Will may include a codicil or amendment and may include the creation of a testamentary children's trust.

A Covered Person has the right to (1) have a Living Will/Physician's Directive prepared by the Provider Law Firm or (2) have the Provider Law Firm review and amend (if necessary) an existing Living Will/Physician's Directive.

A Covered Person may receive phone consultations with a Provider Attorney for an unlimited number of personal legal matters during regular, non-holiday office hours. Consultations are available to the extent the Provider Law Firm deems it necessary to adequately advise the Covered Person on the personal legal matter. One phone consultation per subject/situation—up to 30 minutes per call.

After a phone consultation, a Covered Person may submit a copy of one personal legal document (in which the Covered Person is named as a contracting party) for review by the Provider Law Firm, with each document being no more than fifteen (15) pages in length. The Covered Person must send only a copy of the document to be reviewed and must keep the original document. The Provider Law Firm will review the copy of the document and advise the Covered Person by phone call. Legal advice will be provided by the Provider Law Firm on any areas of concern, the legal implications of those provisions of the document, and the document’s compliance with state and federal law. The following documents and related legal services are excluded from and not covered by the document review service: • Documents in ongoing court proceedings or lawsuits are not covered. Examples of documents that are not covered include, without limitation, petitions, complaints, motions or other requests for relief, subpoenas, discovery requests or responses, applications for injunctive relief, applications for restraining orders, show cause orders, proposed judgments, and other matters submitted for judicial determination. • Revisions or amendments to the documents, or the negotiation of the terms of the documents reviewed by the Provider Law Firm are not covered. • Any matters for which legal services are provided under other provisions of the Member Contract are not covered.

A Covered Person may receive up to 2.5 hours of a Provider’s Attorney’s time (per Covered Membership Year) to seek reinstatement of the Covered Person’s Driver’s License.

A Covered Person may consult with a Provider Attorney if the Covered Person is being detained by a law enforcement officer or if the Covered Person's rights, freedoms, or liberties are being threatened when: • the Covered Person is in the presence of a law enforcement officer who place you under arrest or take away or obstruct your rights, freedoms, and liberties. • the Covered Person is in the presence of a government official who is attempting to take away the Covered Person’s children. • if the Covered Person is injured in an accident or other incident and is being asked to sign a document that might forfeit or waive the Covered Person’s rights, freedoms, and liberties. This emergency access is provided on a 24 hour per day basis by calling the emergency number. The phone access provided is subject to the conditions imposed by the detaining or questioning authority, which may prevent a Provider Attorney from speaking with the Covered Person on an immediate basis. 24/7 emergency access does not cover legal services associated with the making, posting, or obtaining bond, bail, or other security required for release. Such legal services are available under the 25% off discount. The discount only applies to the attorney fees and not to the bond, bail, or security or any other fees charged by third parties. This emergency-access benefit is not available for situations in which you want to take affirmative legal action against another party.

A Covered Person has a right to a total of up to 50 hours of legal services from their Provider Law Firm when they are notified in writing by the IRS that their tax return is going to be audited, investigated, or otherwise examined. Of these 50 hours, a Covered Person may receive up to 3.5 hours to use on consultation, advice, and negotiation. A Covered Person may receive consultation and advice from their Provider Law Firm within the first 30 days after being notified of an audit or request to appear at the IRS offices related to their tax return. A Covered Person may also receive representation and telephone conversations with their Provider Law Firm at the audit or any settlement conferences prior to trial. When the IRS sues the Covered Person, or the Covered Person sues the IRS after paying the disputed tax, the Covered Person may receive up to 46.5 hours in trial time or services for actual trial appearances.

A Covered Person has a right to have their Provider Law Firm prepare a financial power of attorney or a durable power of attorney for the Covered Person or for another Covered Person who is at least 18 years old and is the person granting power.

A Covered Person has a right to up to 2.5 hours of assistance from their Provider Law Firm to seek recovery of up to $5,000 of property damage the Covered Person incurred while driving, riding in, or being struck by a motor vehicle. These covered benefits do not include the filing of a lawsuit and do not include personal injury damages. This benefit is available for each motor vehicle accident in which the Covered Person incurs property damage while driving, riding in, or being struck by a motor vehicle.

A Covered Person has a right to have their Primary Law Firm assist with resolving and defending against noncriminal traffic moving violations (in the court of original jurisdiction) when the Covered Person was driving with a valid driver’s license and registration. This benefit is limited to up to two hours of attorney and legal assistant time spent in the negotiation and documentation of a deferred adjudication, plea agreement, probation, diversion, or other pretrial resolution that does not require an in-person appearance by the Provider Law Firm in court or in the prosecutor's office.

A Covered Person has a right to have mortgage documents (as required of the borrower by the lending institution) prepared by their Provider Law Firm for the purchase of the Covered Person's primary residence. Any documents prepared by the seller, lender, or third party may be reviewed by the Provider Law Firm prior to closing. This benefit is available once each Covered Membership Year. All information necessary for the preparation of the documents must be provided by the Covered Person to the Provider Law Firm at least five business days prior to the closing date. This benefit does not include review of abstracts, preparation of a title opinion, or the Provider Attorney's attendance at the closing.

The Covered Person and the Covered Person’s Spouse have the right to receive a defense—subject to the Schedule of Hours and the Exclusions—from the Provider Law Firm if the Covered Person or Covered Person's Spouse is named as a defendant in a civil action filed in a state trial level court or a federal district court.

A Covered Person has the right to consultation, advice, preparation, review, and negotiation guidance on one prenuptial agreement document, for a total of up to two hours of their Provider Attorney’s time. Additional time for the Provider Attorney to prepare, review, and negotiate the Covered Person’s prenuptial agreement is eligible for the 25% Discount off the Provider Law Firm’s Standard Hourly Rate.

A Covered Person has the right to consultation, advice, preparation, review, and negotiation guidance on one postnuptial agreement document, for a total of up to two hours of their Provider Attorney’s time. Additional time for the Provider Attorney to prepare, review, and negotiate the Covered Person’s postnuptial agreement is eligible for the 25% Discount off the Provider Law Firm’s Standard Hourly Rate.

A Covered Person has the right to uncontested adoption services from a Provider Law Firm—including preparation of documents and, when needed, representation for an uncontested domestic adoption of a minor. This does not include guardianship. This benefit is available beginning 90 consecutive days after the effective date of the Covered Membership. A Provider Law Firm can represent a Covered Person at adoption proceedings for no additional attorney’s fee if (1) all parties have agreed in writing to an adoption; (2) all required consents are obtained before filing; and (3) the adoption is not contested or challenged.

A Covered Person has the right to representation by a Provider Law Firm in uncontested divorce proceedings. This includes preparation of documents and, when needed, representation of Covered Person at one uncontested divorce hearing (prove-up) when both parties agree in writing and net material assets of the marriage are under $500,000. Uncontested divorce is a divorce in which (1) neither party is represented by separate counsel; (2) all issues are agreed upon in writing without negotiation by the Provider Law Firm; (3) net assets of the marriage are under $500,000; and (4) no division of retirement benefits or QDRO is applicable. This benefit is available beginning 90 consecutive days after the effective date of the Covered Membership.

A Covered Person has the right to uncontested separation services from a Provider Attorney, including preparation of documents and, when needed, representation at an uncontested hearing. Uncontested separation is defined as a separation in which neither the Covered Person or the Covered Person's spouse is represented by separate counsel and all issues are agreed upon in writing by the parties without negotiation by the Provider Law Firm. Thus, a Provider Law Firm can represent a Covered Person for an uncontested separation as part of the Covered Person Benefits if (1) the Covered Person and their spouse are not represented by another lawyer and (2) all issues related to the legal separation are agreed upon in writing by the parties without negotiation by the Provider Law Firm. This benefit is available beginning 90 consecutive days after the effective date of the Covered Membership.

A Covered Person has the right to uncontested annulment services from a Provider Attorney, including preparation of documents and, when needed, representation at an uncontested hearing. Uncontested annulment is defined as an annulment in which neither the Covered Person or the Covered Person's spouse is represented by separate counsel and all issues are agreed upon in writing by the parties without negotiation by the Provider Law Firm. Thus, a Provider Law Firm can represent a Covered Person for an uncontested annulment as part of the Covered Person benefits if (1) the Covered Person and their spouse are not represented by another lawyer and (2) all issues related to the legal separation are agreed upon in writing by the parties without negotiation by the Provider Law Firm. This benefit is available beginning 90 consecutive days after the effective date of the Covered Membership.

When a name change is not contested or challenged, and all consents are obtained before filing, the Provider Law Firm can help the Covered Person prepare for and attend the initial hearing to obtain the name change.

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