You have unlimited toll-free access to your Provider Firm --immediately when you enroll-- for personal or business-related legal matters. Just call your Provider's toll-free number during regular business hours.

A phone call or letter from your Provider Lawyer can get you the results you want fast. Your Provider

Lawyer will recommend a letter or phone call when that is the best step for you. One call or letter per personal subject related matter is free with your membership. Plus, you'll receive two business letters each year at no additional cost! Additional assistance for same subject is at a 25% discount.

You can have an unlimited number of personal legal documents, up to ten pages each, reviewed by your Provider Lawyer. Included each year is one business document review at no additional cost! Your Provider Lawyer will analyze the documents and suggest changes for your benefit before you sign.

A Will for you at no additional charge, not just a "simple" Will, but one that meets most Americans' needs - with free yearly reviews and updates. Wills for covered family members are just $20 each; changes and updates $20. Trust preparation is available at a 25% discount.

Your Provider Lawyer will render assistance at a 25% reduction to his or her standard hourly rate* for you or your spouse should you need legal services not covered by this plan. A retainer may be required for services being rendered under this benefit. Five days are required for preparation for court representation.

* Hourly rates for Referral Lawyers and court appearances may vary.

This information describes highlights of the Pre-Paid Legal Plan. Only the membership contract can provide a complete description of plan benefits, provisions, limitations or exclusions.