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I'm not familiar with the offering you mentioned, but pre-paid legal is not insurance, it's more like a given level of representation for a fixed fee.

You're correct, volume is absolutely the key. However, how much volume is there in that practice area? Of all the CHL's I know, not one has insurance or pre-paid legal. There are at least three firms I am aware of that are offering this, so the entire book of business is divided between at least three firms, if not more. If you have a 1,000 people sign up with a firm, then an entire year's pre-paid fees can be eaten up in one or a few cases. Also, what is provided for your annual fee? Is it only an attorney? Do they hire any expert witnesses? I'm not saying they won't because I don't know.

I'm not trying to talk anyone out of participating in a pre-paid legal program if they wish. Just understand what you get, what you don't, and what are the qualifications of the people who will represent you?

Chas.

I try to stay out of prepaid legal discussions, but remember the old saying "you get what you pay for." $100/yr buying a lawyer all the way through trial on a murder charge?

Chas.