PrePaid Legal?

[Schema Thing]

Seriously, does their service provide value for the money?

[RoyGBiv]

1. Run away, far away ...

I know more about Harland Stonecipher, this company, and how it works than I care to reveal in a public forum such as this, despite the illusion of anonymity I have, but I will offer that from my vantage point, the company seems to put more resources into acquiring new salesmen than it does gaining the services of legal professionals to implement its benefits.

While not meeting the legal definition of a pyramid scheme, it works in many of the same ways, a bit like Amway, but without any tangible product to sell or purchase. Boiled down, it's just insurance that offers you the services of some sort of legal professional for certain tasks. Crunch the numbers for your own personal legal needs that are covered by their policies, and you'll have your answer. But, read the fine print. The tasks for which people really *need* a lawyer are not generally covered or are not covered well, unless you get a lot of parking or traffic tickets and would rather pay a monthly fee for the possibility of getting out of paying them than just driving a little more safely and parking where you're supposed to.

From my point of view, I do not believe this "service" is worth the cost of the paper upon which your policy is written.

OnEdit: I re-read your poll and decided I wanted to add that I've literally known hundreds of people who've sold Pre-Paid. One of them made a living from it, and he did so for exactly two years by managing to get a contract with a large company to offer Pre-Paid as an employee benefit. He was doing so well he was given a title, and he bought a house. Three years later he filed for bankruptcy, and the last I heard was doing hard sales in a call center somewhere.

[Schema Thing]

2. Thanks for your comments

I remember thinking the same about the product 18 years ago or so, but I thought perhaps it had evolved into something worthwhile.

[Richard Steele]

4. I'll second that.

I've heard bad things(sometimes eyewitness reports, sometimes just articles about criminal investigations) about several 'pre-paid legal' companies; NEVER heard a single good thing about any such service.

[Schema Thing]

3. keeek

[greatbubba]

5. Some idiot at work sold it to me. In theory its good..In reality it sucks

You will find out when you need a lawyers...Their so call lawyers are stupid..They will think of a reason to contract you out to a real expert lawyer in the field you have a problem with at a 20% reduction off their rate...what kind of shit is that.

I called a lawyer because i bought a battery from the internet and it was the wrong one fried my laptop. I called him to seek guidence. he told me sorry cant do nothing for you...Thats what happens when you buy electronics. I have been canceling since Feb 2004 and they alway come up with excuses. Once it went 3 months I thought everything was fine and boom a charge on my credit card.. I called capital one today so they can put a stop to those idiots.

On EDIT: If you have an issue and its the same issue it will not be covered...