Some legal insurance plans also provide online learning centers and access to DIY legal documents that are prepared and reviewed by attorneys for accuracy and state-specific compliance in all 50 states. You might find a waiting period is required for divorce matters, misdemeanors, refinancing or tax audits, which means there is no coverage for these types of legal matters during the waiting period after you purchase your plan. This waiting period can be as long as 6 months. It’s also common to find a waiting period requirement for certain types of coverage.
ALTERNATIVE TO LEGAL ZOOM PROFESSIONAL
If your legal matter concerns your business or professional actions, coverage is likely to be excluded. Coverage is limited to personal legal needs, however. Children may also be covered up through age 18 students may have coverage available until age 25 with some plans. Many plans cover claims for the insured as well as their spouse or domestic partner.
ALTERNATIVE TO LEGAL ZOOM FULL
For other categories of legal matters, coverage can be more selective, with limitations or exclusions possibly preventing full coverage. Many plans also require a deductible of up to $250 before services are covered, although some are offered with no deductible.Ĭoverage tends to be the most complete for consumer protection, real estate issues and legal needs surrounding wills and trusts. You may also find some categories of legal services either aren’t covered or are covered with a reduced fee structure as opposed to services being paid in full. For example, it’s common to find limitations or exclusions for legal assistance regarding divorce or family law, like custody issues. It’s important to know what legal insurance covers and what it doesn’t cover. Here are some of the common uses for legal insurance: Nomenclature aside, legal insurance can provide coverage for a broad range of legal issues, which might span from simple traffic tickets to adoption assistance or disputes with contractors - and many things in between.
You’ll find legal insurance referred to by several names, including legal protection insurance (LPI), prepaid legal plans (PPL) or legal expenses insurance (LEI).
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