When I was little I remember my parents always saying if we live and act right we would never need a lawyer or doctor.  These were two services all good people needed to avoid.  That was then.  This is now.  The modern world has grown complicated and complex.  Sooner or later every one needs a lawyer and a doctor.  The smart person wouldn't be without health insurance nor would he be without prepaid legal services. 

There are many reasons why prepaid legal services are the ounce of prevention instead of the pound of cure.  People want to know the difference between leaving or will or forming a living trust.  If you have a couple of rental properties it is a good idea to have a landlord legal form.  If you are considering forming a business partnership, legal advice in advance is a really good idea.  Attorneys cost are anywhere from $200 to $450 an hour today.  It doesn't take many hours to incur huge bills.  Prepaid legal services can save big bucks for simple legal problems. For a small monthly sum, you shouldn't be without it.