Do you really need it?

[fernando1027]

I am just wondering do you really need insurance from [prepaid legal service] or some other company or is better to have a lawyer ?

Thanks

[Beiruty]

no, if you stay within your self-defense rights

[TreyHouston]

There are many out there. I am about to get one as Houston has a new AG....this town keep getting more and more gun unfriendly....

[TexasJohnBoy]

I have a paid legal service. Once I get more fiscally comfortable, I will probably look to retain a lawyer in general though.

[Liberty]

Just my opinion, but I believe that the only people that really benefit from these programs are those that sell them. I have talked to a few of these people and they don't want to talk about how much they make off the sale. or how much the of premiums actually are paid towards benefits.

We have several lawyers on this forum and I've never seen any enthusiasm from them for these programs. An emergency savings account is a wiser use of your money IMHO.

[oljames3]

The "Do you really need it?" question about anything is always easy to answer. My usual answer is NO. We each must do our own risk analysis.

I need to breathe.

I do not "need" to:
* Have a fire extinguisher in my kitchen
* Have collision insurance for my vehicles
* Have home owner's insurance
* Have liability insurance for my rocketry activities
* Carry a self-defense handgun

However, I find it prudent to do so. I hope I will never have to use any of these things. I plan my life and activities so that I will never "need" any of these things. But I have them because it makes my life better.

As with most things in life, it comes down to which risks we are willing to manage and which benefits matter most.

[Wag2323]

Just my opinion, but I believe that the only people that really benefit from these programs are those that sell them. I have talked to a few of these people and they don't want to talk about how much they make off the sale. or how much the of premiums actually are paid towards benefits.

We have several lawyers on this forum and I've never seen any enthusiasm from them for these programs. An emergency savings account is a wiser use of your money IMHO.

I currently have the prepaid thing and have been on the fence about it the whole time. But I also debate if I didn't how much of an emergency savings account are we talking about is enough?

[Liberty]

I currently have the prepaid thing and have been on the fence about it the whole time. But I also debate if I didn't how much of an emergency savings account are we talking about is enough?

I think the financial experts recommend minimum 3 to 6-month income.

[oljames3]

Just my opinion, but I believe that the only people that really benefit from these programs are those that sell them. I have talked to a few of these people and they don't want to talk about how much they make off the sale. or how much the of premiums actually are paid towards benefits.

We have several lawyers on this forum and I've never seen any enthusiasm from them for these programs. An emergency savings account is a wiser use of your money IMHO.

I currently have the prepaid thing and have been on the fence about it the whole time. But I also debate if I didn't how much of an emergency savings account are we talking about is enough?

How much is enough? More than I can save.

I have prepaid coverage for myself, my wife, and my minor children. Works for me. May work for you or it may not. There are few absolutes in this life.

I have Tricare medical coverage and I have a medical savings account. I have accident/collision coverage on my vehicles and savings to cover deductibles.

For me and mine, right now, under current law, a combination of insurance and savings works best. Your mileage will vary, but you should make an informed decision and have a plan.

[Abraham]

Look at what the NRA offers.

[apvonkanel]

I picked it up this year based on the current fragile political situation locally.

[G.A. Heath]

I would also suggest you look at what Charles Cotton has posted on these services, he has given good advice which should be considered before making a decision. I would suggest paying special attention to what he said about reading the contract on what they actually provide and when they provide it.

[Soccerdad1995]

no, if you stay within your self-defense rights

That is my personal decision. I also do not carry a general liability policy, either. But I do have liability coverage as part of my home owners policy and auto insurance policy. That is where I, personally, draw the line.

[Mr_Houston_Guy]

Anyone use [Pre-paid legal service]?

(Moderator note: the Forum allows no named mention of such services at this time. One prominent service is the subject of an ongoing class-action lawsuit and, given the nature of this Forum, we cannot allow by-name cites or testimonials, whether positive or negative.)