A legal plan is similar to medical insurance. You pay a fixed amount every month, regardless of whether you use it, and in return you get access to an attorney whenever you need one. A basic legal plan would include a network of lawyers which can:
1. Prepare documents, such as a property deed or a simple will
2. Provide consultations
3. Provide unlimited phone consultations
4. Conduct one call or prepare one letter (on your behalf)
5. Review unlimited personal documents
6. Review one business document
7. Help with minor things such as speeding tickets
The advantages of purchasing a legal plan are many. The more sophisticated your needs, the more sophisticated the plan can be. Without having a legal plan, if you were to have a disastrous year legally, your finances could be wiped out by the legal fees. Most people don’t have the financial resources to retain a lawyer whenever they need one. However, those who do have a legal plan set in place may actually be able to avoid potential legal problems by taking advantage of the unlimited phone consultations option to gain legal advice. You would also have access to a database of legal forms and documents, and benefit from having a trained lawyer’s eye review them.
Instead of being forced to forgo help in an emergency because you don’t have the money to consult a lawyer, a legal plan would allow you to retain the services of a qualified attorney. When considering a plan, make sure you find out what the plan does and does not cover to determine whether or not it serves your needs. And of course, only purchase a legal plan from a licensed insurance broker who has your best interests in mind.
Fortier Insurance Services is here to answer any questions you may have about legal plans and more. Sign up for a free consultation with one of their professional agents today.
Tiffany Buczek is a freelance writer and licensed esthetician living in Southern CA.