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Get Affordable Legal Help When You Need It

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.

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Learn more about Legal Insurance

When you sign up for ARAG legal insurance, you’ll benefit from:


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.

Pick the best legal protection plan 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

Legal Protection Plus

  • Wills and Trusts
    Durable / Financial Power of Attorney
    Legal assistance to create a durable power of attorney - the written authorization to represent or act for another person. A "durable" power of attorney simply means the document stays in effect if you become unable to handle matters on your own. A "financial" power of attorney gives someone the authority to handle financial transactions on your behalf.
    Full coverage Full coverage
    Estate Administration
    Legal assistance to administer deceased person's estate - the court-supervised process of accounting for and distributing all assets of a deceased person.
    Full coverage Full coverage
    Healthcare Power of Attorney
    Legal assistance to create a document naming who will make healthcare decisions for you if you are unable to make decisions for yourself.
    Full coverage Full coverage
    Inheritance Rights
    Legal assistance if you believe you are entitled to receive something from the estate of someone who's passed away.
    Full coverage Full coverage
    Irrevocable Trust
    Legal assistance to set up an irrevocable trust to protect property and reduce taxes when the owner of the property dies. ''Irrevocable'' means that the trust can't be changed or terminated without permission of the beneficiary (the person the trust is set up to benefit.)
    Full coverage Full coverage
    Living Will
    Legal assistance to create health care directives, right to die documents, and/or medical care directive.
    Full coverage Full coverage
    Revocable Trust (Living Trust)
    Legal assistance to create a revocable trust. In a revocable trust, the person who funds the trust can continue to change it or end the trust, yet still pass the asset to the beneficiary at death.
    Full coverage Full coverage
    Wills / Codicils
    Legal assistance to create a will.
    Full coverage Full coverage
  • Traffic Tickets and Moving Violations
    Drivers License Restoration
    Legal assistance to restore suspended or revoked driving privileges.
    Full coverage Full coverage
    Drivers License Suspension/Revocation
    Legal assistance to defend a traffic offense in which conviction will directly result in suspension or revocation of your driving privileges.
    Full coverage Full coverage
    Driving / Operating While Intoxicated
    Legal assistance to defend a charge of driving under the influence of drugs or alcohol.
    Some coverage Some coverage
    Traffic Tickets
    Legal assistance to defend a traffic offense.
    Full coverage Full coverage
  • Sale or Purchase of a Home
    Building Codes
    Legal assistance to resolve issues with local government standards relating to renovating or improving your existing home.
    Full coverage Full coverage
    Buying a Home
    Legal assistance to buy a home.
    Full coverage Full coverage
    Deeds
    Legal assistance to prepare and/or review any document transferring ownership of real estate.
    Full coverage Full coverage
    Easements
    Legal assistance to resolve easement issues. An easement is the right to use another person's real estate for a specific purpose.
    Some coverage Some coverage
    Foreclosure
    Legal assistance if your primary residence is going to be repossessed because mortgage payments were not made.
    Full coverage Full coverage
    Home Improvement / Contractor Issues
    Legal assistance to resolve issues with someone who's provided a written, verbal or implied contract or obligation to renovate or improve your home.
    Full coverage Full coverage
    Neighbor Disputes
    Legal assistance to resolve a disagreement with your neighbor over an issue relating to property you own.
    Full coverage Full coverage
    Promissory Note
    Legal assistance related to a promissory note - a signed, written promise to pay a stated sum to a specified person at a specified date.
    Full coverage Full coverage
    Property Taxes
    Legal assistance if you want to dispute the value of yourhome as it was assessed for the purpose of paying your property tax.
    Some coverage Some coverage
    Real Estate Disputes
    Legal assistance to resolve a disagreement regarding a contract or obligation to construct, buy or sell your home.
    Full coverage Full coverage
    Refinancing
    Legal assistance and document review to refinanace your home.
    Full coverage Full coverage
    Selling a Home
    Legal assistance to help you sell your home including preparing and reviewing documents such as the purchase contract and attending your closing.
    Full coverage Full coverage
    Zoning Variance/Eminent Domain Full coverage Full coverage
  • Consumer Protection (e.g., debt collection, warranty issues)
    Auto repair
    Legal assistance to resolve a disagreement with someone who agreed to fix your vehicle.
    Full coverage Full coverage
    Buying a new or used automobile
    Legal assistance to complete the purchase of a new or used automobile.
    Full coverage Full coverage
    Car Dealership Dispute
    Legal assistance to resolve a disagreement with someone who sold you a car.
    Full coverage Full coverage
    Consumer Fraud (scams and telemarketing)
    Legal assistance for victims of a consumer fraud, scam, or telemarketing scheme.
    Full coverage Full coverage
    Consumer Protection for Goods or Services
    Legal assistance related to a product you've purchased or a service you've hired. This includes written, verbal or implied contracts or warranties.
    Full coverage Full coverage
    Credit Record
    Legal and financial assistance to correct errors on your credit report.
    Some coverage Some coverage
    Home Improvement / Contractor Issues
    Legal assistance to resolve issues with someone who's provided a written, verbal or implied contract or obligation to renovate or improve your home.
    Full coverage Full coverage
    Homeowners Association Dispute
    Legal assistance to resolve a disagreement with your Homeowners Association.
    Full coverage Full coverage
    Insurance Disputes (home, auto, long-term care)
    Legal assistance to resolve a disagreement between you and your insurance company about the amount of the claim you have been paid.
    Some coverage Some coverage
    Personal Property Disputes
    Legal assistance to resolve disagreements over personal property or your personal property rights. Personal property includes everything you own except real estate.
    Full coverage Full coverage
  • Civil Damage Defense
    Court / Mediation
    Legal assistance to go to court or settle a case with a mediator.
    Some coverage Some coverage
    Small Claims Court Issues / Representing Yourself
    Legal assistance to file or defend a suit in small claims court.
    Full coverage Full coverage
  • Protecting Your Property
    Contracts / Lease Agreements
    Legal assistance to resolve a dispute with a landlord regarding a lease agreement.
    Full coverage Full coverage
    Eviction
    Legal assistance if your landlord is trying to remove you from your rental property.
    Full coverage Full coverage
    Security Deposit
    Legal assistance to resolve problems related to your security deposit.
    Full coverage Full coverage
    Tenant Disputes with a Landlord
    Legal assistance to resolve problems with the landlord of your primary address (the place you usually live).
    Full coverage Full coverage
  • DIY Docs ®
  • Identity Theft Protection
    Civil Damage (Libel/Slander)
    Legal assistance to defend against a civil damage claim (civil law refers to private matters instead of criminal).
    Full coverage Full coverage
    Debt Collection Matters
    Legal assistance to resolve a debt someone is trying to collect from you. This includes debt you owe and debt you do not owe.
    Full coverage Full coverage
    Financial Planning Education
    Assistance from financial counselors to answer your personal money management questions and help you use ARAG's online financial tools.
    No coverage Full coverage
    Garnishment
    Legal assistance if someone is trying to collect a debt from you and has obtained a court order to take funds from your paycheck before you receive it.
    Some coverage Some coverage
    Identity Theft
    Identity theft recovery services to restore your good name and credit if your identity is stolen.
    No coverage Full coverage
    Medical Malpractice
    Legal assistance to resolve a medical malpractice claim in which you suffer physical, emotional or financial damage due to the negligence of a medical professional.
    Some coverage Some coverage
    Medicare/Medicaid
    Legal assistance to resolve issues related to your Medicare or Medicaid benefits.
    Full coverage Full coverage
    Personal Injury Claims
    Legal assistance to resolve a personal injury claim in which you or someone else suffers physical, emotional or financial damage due to the action or inaction of another.
    Some coverage Some coverage
    Social Security
    Legal assistance to resolve issues related to your Social Security benefits.
    Full coverage Full coverage
    Veterans Benefits
    Legal assistance to resolve issues related to your veterans benefits.
    Full coverage Full coverage
  • Caregiving Services
    Adoption
    Legal assistance to adopt a minor child when the parties don't agree to the terms of the adoption.
    Full coverage Full coverage
    Caregiving Services
    Legal, financial and eldercare guidance to care for your parents or grandparents.
    No coverage Full coverage
    Domestic Violence (Restraining Order)
    Legal assistance to get a restraining order related to domestic violence - a court issued document that bars someone from contact or a specific activity.
    Some coverage Some coverage
    Elder Law
    Legal guidance and document review for your parents or grandparents.
    Some coverage Some coverage
    Guardianship / Conservatorship
    Legal assistance to appoint or be appointed as a guardian or conservator when all parties agree to the terms. The guardian or conservator will be legally responsible for providing care and managing the affairs of a child or adult who is not capable.
    Full coverage Full coverage
    Immigration Assistance
    Legal assistance to live permanently in the United States.
    Some coverage Some coverage
    Incapacity
    Legal assistance to determine your mental or physical capacity.
    Full coverage Full coverage
    Name Change
    Legal assistance to change the name you are legally known by.
    Full coverage Full coverage
    Parenting / Parental Responsibilities
    Legal assistance to resolve damages or injury caused by your child if you are being held legally accountable.
    Full coverage Full coverage
    Pet Related Matters
    Legal assistance to resolve issues caused by your pet if you are being held legally accountable.
    Full coverage Full coverage
    School Issues
    Legal assistance to resolve problems related to disabilities, special education or student policy violations within a public or private school.
    Full coverage Full coverage
    Surrogacy
    Legal assistance to select and contract with a surrogate to have a baby for you.
    Some coverage Some coverage
  • Financial Education and Counseling Services
Plan Total

$15.44


Per Month

$23.28


Per Month
  • Full Coverage - When you need legal assistance, contact an ARAG Network Attorney. You pay a $250 deductible for each legal issue you experience, and then your ARAG legal insurance covers the rest of your Network Attorney fees. You can use your legal insurance for covered legal matters as often as you want - there are no waiting periods or usage limits.
  • Some coverage - If your legal matter is not covered, you may be eligible to work with an ARAG Network Attorney at a reduced fee of 25% or more off the Network Attorney's normal hourly rate.

Get Legal Insurance Today

Frequently Asked Questions

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:

  • Written notice of a legal dispute is sent or filed by you or received by you
  • A ticket or citation is issued
  • An attorney is hired

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:

  • Legal services in class actions, post judgments, punitive damages, malpractice or appeals.
  • Legal services deemed by us to be frivolous or lacking merit or, in actions where you are the plaintiff and the amount we pay for your legal services exceed the amount in dispute, or in our reasonable belief you are not actively and reasonably pursuing resolution in your case.
  • Matters against us or an insured against the interests of the named insured under the same policy.
  • Legal services arising out of a business interest, investment interests, employment matters, your role as an officer or director of an organization and patents or copyrights.
  • Any legal matter not specifically listed on your policy.
  • Legal services for the benefit of anyone other than you or covered dependent.

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.


Get Legal Insurance Today

*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 800-247-4184.