MyLifeProtected
Get Affordable Legal Help and Identity Theft Protection When You Need It
Life is full of legal matters—some expected, like buying a home or writing a will, and others not, like a traffic ticket or a dispute with a neighbor. Legal Now from ARAG helps you handle legal issues today while preparing you for the unexpected. You'll save time and money with access to experienced network attorneys and 25% off their normal rates for over 140 common legal matters.
Learn more about Legal Now
When you enroll in ARAG’s Legal Now, you’ll benefit from
Savings of 25% off normal rates for network attorney advice and representation.
Online DIY Docs to create your own legal documents for yourself and family members.
Unlimited advice, document preparation and review from network attorneys via phone.
Identity Theft Protection for online monitoring and restoration if you are a victim.
Digital personal information organizer and an ARAG Learning Center.
What does ARAG Legal Now Cover?
Be empowered to address your legal matters and save money versus going it alone. For as little as $269 per year, your unlimited use plan can match you with experienced network attorneys based on your area of need and provide at least 25% off the attorney’s normal rate. Plus, explore additional valuable resources like DIY Docs, comprehensive Identity Theft Protection and more to help you protect what’s important.
Immediate Advice Attorneys
Get connected to state-licensed network attorneys for advice on simple legal matters, document review and follow-up letters.
Reduced Fee Attorney Services
For more complex issues, ARAG matches you with experienced network attorneys based on your area of need. And you will receive 25% off the attorney’s normal rate for legal advice and representation in more than 140 common legal matters in these areas:
- Administrative Hearings
- Bankruptcy and Debt
- Civil (Other)
- Consumer Protection (plaintiff and defendant)
- Criminal Matters
- Custody and Support
- Divorce (contested and uncontested)
- Driver’s License and Traffic Tickets
- Family Matters (plaintiff and defendant)
- Immigration
- Internet Law (plaintiff and defendant)
- Real Estate and Home Ownership (plaintiff and defendant)
- Services for Tenants (plaintiff and defendant)
- Tax Issues
- Wills, Trust and Estate Planning
The plan also includes:
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DIY Docs
Online access to legally valid state-specific templates created by attorneys to make it easy to create, edit, store and print legal documents for you and your immediate family members. DIY Docs includes nine essential legal templates (standard will, living will, healthcare and financial power of attorney, bill of sale, residential lease agreement and more).
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Online Learning Center
Featuring a downloadable interactive personal information organizer to track critical personal information for family members. Also includes helpful guidebooks, video and articles to better understand common legal issues.
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Identity Theft Protection
Included in your plan, you can rely on the added security and peace of mind that Identity Theft Protection offers. It allows you to take a proactive approach to protecting your identity and personal information. Plus, if you do become a victim of fraud or identity theft, our restoration services can make the process of clearing your name easier.
Identity Theft Protection Features:
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Legal Advice and Representation
Members can consult with a network attorney in-person or over the phone regarding a covered legal matter for advice and representation for legal-related problems the theft of your identity may have caused.
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Change of Address Monitoring
Alerts member if a change of address request has been submitted to the U.S. Postal Service for their address.
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Full-Service Identity Restoration
Restoration Specialists use a limited power of attorney to restore a member’s identity with lenders, credit bureaus, the state, county courts and more.
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Single-Bureau Credit Monitoring
Informs members of changes to their credit file – including credit inquiries, new loans, new credit cards, delinquencies and more.
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Child Identity Monitoring
Service that monitors your minor child’s personal information and Social Security number for activity on the dark web. It also monitors a minor child’s Social Security number to identify credit information associated with their identity.
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Senior Adult Services
Senior family members (up to 4 adults) are able to utilize identity theft monitoring services. The identity theft monitoring services include full-service identity restoration, lost wallet services and identity theft insurance.
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Lost Wallet Services
Restoration Specialists help members cancel and reissue personal documents – including credit cards, debit cards, driver’s license, Social Security cards, etc.
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Identity Theft Insurance1
Coverage up to $1 million for expenses associated with restoring the member’s identity, including legal costs, loss of income, fraudulent withdrawals and more.
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Internet Surveillance
Service monitors thousands of websites and millions of data points throughout the internet to see if a member’s personal information is being traded and/or sold. If a match is found, the member is alerted to take action.
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Common information tracked online includes:- Social Security Number
- Email Addresses
- Telephone Numbers
- Medical Identification Numbers
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- Driver's License Number
- Credit Card Numbers
- Passport Number
- Bank Account Numbers
Frequently asked questions
What does the plan cost?
Your exclusive rate of $269 annually includes unlimited use of the ARAG Legal Now plan.
Does the annual fee auto-renew?
The plan will auto-renew after 12 months. Members may contact ARAG or log in to their member account to opt out of auto-renewal.
Can prospective members view ARAG’s attorney coverage in their local area to help them understand attorney selection?
Yes, you can access general network attorney information from the Find an Attorney directory (drop down link in Network Attorneys) on the Legal Now informational site to get an idea of the selection of network attorneys within 0-100 miles of their ZIP code. You can also search by most major metro cities.
How do members get started using their plan?
Once enrolled, members can immediately create an account on the member portal at ARAGlegal.com/account and begin using their plan. All members receive a welcome email with details to help them get started and understand how to get the most from their plan.
How do members access detailed information about network attorneys?
Once enrolled, members receive access to more detailed information on ARAG network attorneys including their license(s), education, experience, areas of practice, office location and contact information, as well as ratings and reviews from ARAG plan members.
How are attorneys identified and vetted?
Averaging more than 20 years of experience, ARAG network attorneys are individually selected from practices across the country. ARAG actively recruits attorneys who are licensed to practice in their state and are in good standing with the relevant regulatory authority in the state(s) where they are licensed and practicing law. ARAG re-credentials each attorney annually to ensure they are still meeting the requirements of the ARAG network agreement.
Does ARAG pick the attorney for members?
ARAG provides a list of network attorneys who practice in the area of law that relates to the members’ specific legal matter. You can review each attorney’s detailed profile including ratings and reviews from members and choose a network attorney who is the best fit for your situation.
What resources does ARAG offer to help members choose a network attorney for their legal need?
For more complex cases requiring advice and/or representation ARAG provides a CaseAssist confirmation which includes coverage details, a detailed list of network attorneys matched to their legal need and the attorney’s normal rate after the 25% reduction.
For less complex cases where the member is looking for more immediate advice, ARAG’s Customer Care team will connect members to an ARAG telephone attorney who is licensed in their state. The attorney can offer advice, as well as prepare and review documents.
How does the client access legal help?
Members can log in or call ARAG Customer Care to start a case with an attorney. They’ll answer a few questions to help us confirm coverage and provide experienced network attorneys who can work with them over the phone, online or in person to help resolve their legal issue. If a member is not sure if their issue is a legal issue, they can start by contacting ARAG Customer Care at 800-247-4184, Monday - Friday, 7 am – 7 pm, Central time) or email service@ARAGlegal.com.
How does it work?
When a member meets with a reduced fee network attorney for legal advice and representation, the attorney bills the member directly. Members receive 25% off the attorney’s normal rate. The member is responsible for costs incurred such as notary fees, copying costs, postage, etc.
When a member works with a telephone network attorney for advice, document review or preparation, the attorney bills ARAG directly for the service. ARAG pays the attorney service fees. The member is responsible for costs incurred such as notary fees, copying costs and postage.
DIY Docs and the Learning Center are available 24/7 and can be accessed by logging into their ARAG account at ARAGlegal.com/account.
How can members learn more about their plan after they purchase?
A great first step to explore all the ways your legal plan can help:
- Go to ARAGlegal.com/account.
- Choose Create Account.
- Enter the ARAG Member ID (provided in the ARAG member welcome email).
- Once logged in, check out the Plan Coverage page to review your benefits.
Do I have to use the same attorney every time?
No. For each legal issue, we’ll help connect you with network attorneys who are experienced in the area of law you need. You choose the network attorney you wish to work with.
What if I want to use an attorney who is not in the ARAG network?
Legal Now plan benefits do not extend to services provided by attorneys outside of the ARAG Network.
How do I cancel my policy?
Once enrolled, the annual plan fee is non-refundable. However, you can cancel the auto-renewal anytime via your online member account or by contacting ARAG Customer Care at 800-247-4184.
Will I experience enough legal issues in my lifetime to make Legal Now worth the money?
85% of individuals experienced a legal event in the past three years.2 Some are planned – like creating a will or trust to protect and provide for your kids. Others are unplanned – like getting one too many traffic tickets and suddenly being at risk of losing your driver’s license. Legal Now is there for it all so when you need legal help and an attorney, you don’t have to stress about where to turn or how you’ll afford it.
What are some examples where Legal Now could help me?
- You are concerned about creating or updating your estate plan as part of your retirement planning and need help.
- You would like to create a will and trust to make your wishes known.
- Your HOA is not willing to help pay for issues related to shoddy work on your condo building and you need an attorney to intervene.
- You want to create healthcare and financial powers of attorney for an immediate family member who can no longer care for themself.
- You are considering marriage and want to create a prenup to protect your legacy for your children.
- And so much more.
How soon can I use Legal Now after I purchase it?
On your plan effective date, you will receive a welcome email with instructions on how to create your online account and begin using your legal service.
Is there a limit to how often I can use Legal Now?
No, there are no usage limits on any of the benefits with Legal Now.
Does Legal Now help with attorney costs for pre-existing conditions?
Yes, the plan can be used for pre-existing legal matters. Members can receive 25% off the attorney’s normal rate. Members are responsible for other costs incurred such as notary fees, copying costs, postage, etc.
What Doesn’t ARAG’s Legal Now plan cover?
Legal now does not cover:
- Matters against us, the named plan member or the company or partner offering the plan.
- Matters arising out of a business interest, investment interest, employment matters, employee benefits, your role as an officer or director of an organization and patents or copyrights.
- Matters deemed by us to be frivolous or lacking merit.
- Matters outside the jurisdiction of the United States of America.