Life is full of legal situations – many you might not even realize are legal until it’s too late. With legal insurance, you can rest easy knowing that when you experience a legal event, you’re covered. ARAG® legal insurance connects you with a local, knowledgeable Network Attorney of your choice. And 100% of the Network Attorney fees for covered matters are paid in full after you pay a small deductible.
Access to attorneys in-person or over the phone.
Online legal resources, including DIY Docs® to create your own legally valid documents.
100% paid-in-full Network Attorney fees after you pay a small deductible for all covered matters.
Peace of mind knowing you’re prepared for whatever legal issues life has in store for you.
Choose the legal insurance plan that provides the right level of protection for you and your family. Legal Protection is the base plan that covers most common personal legal issues, while Legal Protection Plus offers more robust legal coverage plus additional services. The list below shows you at a high level the type of coverage you can expect with each plan.
Legal Protection Plus
|Wills and Trusts|
|Traffic Tickets and Moving Violations|
|Sale or Purchase of a Home|
|Consumer Protection (e.g., debt collection, warranty issues)|
|Civil Damage Defense|
|Protecting Your Property|
|DIY Docs ®|
|Identity Theft Protection|
|Financial Education and Counseling Services|
Will I experience enough legal issues in my lifetime to make legal insurance worth the money?
Three out of four Americans will experience at least one legal issue a year. Some are planned — like creating a will or trust to protect and provide for your kids. Other are unplanned — like getting one too many traffic tickets and suddenly being at risk of losing your driver’s license. Legal insurance 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.
How soon can I use ARAG legal insurance once I purchase?
You can use your insurance for covered legal matters the same day that we receive and process your payment. You’ll receive a confirmation email that will give you instructions on how to log in to your member account and access help right away.
Is there a limit to how often I can use ARAG legal insurance?
No, there are no usage limits. This means you can get professional legal assistance whenever you need it, without having to worry about additional or unexpected costs.
Does legal insurance cover pre-existing conditions?
No, this is an insurance policy that covers legal matters that occur after you have purchased the policy. The earliest date for any of the following events is used to determine whether a legal matter is covered:
If any of these events occur before you purchase a policy, you still have the Reduced Fee Services benefit available to you for that particular matter of at least 25 percent off Network Attorney fees.
What DOESN'T an ARAG legal insurance policy cover?
ARAG legal insurance policies don’t cover:
Does ARAG legal insurance cover divorce and post-divorce issues?
Legal Protection and Legal Protection Plus currently offer 25% off Network Attorney fees for issues including divorce, child support, custody, visitation and alimony.
How do I know I will be working with a knowledgeable attorney?
Attorneys who are a part of our nationwide network must meet our set of requirements. 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. As part of the qualification process, ARAG requires all attorneys to disclose any complaints made about the attorney, as well as any claims or lawsuits for malpractice against them.
ARAG also re-credentials each attorney every year to ensure they are still meeting the requirements of the ARAG Network Agreement.
Does ARAG pick the attorney for me?
No, ARAG will provide you with a list of Network Attorneys who practice in the area of law that relates to your specific legal matter. You will be able to review each attorney’s profile and decide for yourself which Network Attorney is the best fit for your situation. You can use a non-network attorney and receive indemnity benefits.
Do I have to use the same attorney every time?
No. For each legal issue, you can choose the Network Attorney.
What if I want to use an attorney who is not in the ARAG network?
You may choose to work with an attorney who is not within the ARAG Attorney Network. In this situation, you would be billed directly by the attorney and then after paying your deductible you can be reimbursed on an indemnity basis up to the maximum amounts listed in your policy.
How do I cancel my policy?
To cancel, please call Customer Care at 800-819-6010.
*Limitations and exclusions apply. Depending upon a state’s regulations, ARAG’s legal insurance plan may be considered an insurance product or a service product. Insurance products are underwritten by ARAG Insurance Company of Des Moines, Iowa, GuideOne® Mutual Insurance Company of West Des Moines, Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines, Iowa. Service products are provided by ARAG Services, LLC. This material is for illustrative purposes only and is not a contract. For terms, benefits or exclusions, call 800-758-2860.