Organic | Legal Insurance

Get Affordable Legal Help and Identity Theft Protection When You Need It

Life is full of legal matters. Some you plan for, like getting married or buying a home - as well as the unexpected, like a traffic ticket or a neighbor dispute. With legal insurance, you can rest easy knowing that when you experience a legal event, you've got legal help. ARAG^® Legal Protection Plus 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.^*

Learn more about Legal Insurance

When you sign up for ARAG Legal Protection Plus, you'll benefit from:

Access to network 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.^*

Identity Theft Protection is included with ARAG legal insurance.

What does ARAG Legal Protection Plus cover?

ARAG legal insurance plans offer the most coverage for plan members, with easy access to network attorneys and legal services. With Legal Protection Plus, for as little as $29.95 per month, you can count on comprehensive coverage and resources - plus additional services like Identity Theft Protection, financial education and counseling, and services for parents/grandparents.

Legal Advice and Representation
Members can consult with a network attorney in-person or over the phone regarding a covered legal matter for advice and representation for legal-related problems the theft of your identity may have caused.
Change of Address Monitoring
Alerts member if a change of address request has been submitted to the U.S. Postal Service for their address.
Full-Service Identity Restoration
Restoration Specialists use a limited power of attorney to restore a member’s identity with lenders, credit bureaus, the state, county courts and more.
Single-Bureau Credit Monitoring
Informs members of changes to their credit file — including credit inquiries, new loans, new credit cards, delinquencies and more.
Child Identity Monitoring
Service that monitors your minor child’s personal information and Social Security number for activity on the dark web. It also monitors a minor child’s Social Security number to identify credit information associated with their identity.
Lost Wallet Services
Restoration Specialists help members cancel and reissue personal documents — including credit cards, debit cards, driver’s license, Social Security cards, etc.
Prevention and Recovery Tools
Online tools help members prevent and recover from identity theft. These tools include an identity theft tracking sheet, personal information organizer, identity theft prevention and victim action guidebooks, videos and more.
Identity Theft Insurance**
Coverage up to $1 million for expenses associated with restoring the member’s identity, including legal costs, loss of income, fraudulent withdrawals and more.

What's included with Identity Theft Protection?

As a member of the ARAG legal insurance plan, you can rely on the added security and peace of mind that Identity Theft Protection offers. It allows you to take a proactive approach to protecting your identity and personal information. Plus, if you do become a victim of fraud or identity theft, our restoration services can make the process of clearing your name easier.

Legal Advice and Representation
Members can consult with a network attorney in-person or over the phone regarding a covered legal matter for advice and representation for legal-related problems the theft of your identity may have caused.
Change of Address Monitoring
Alerts member if a change of address request has been submitted to the U.S. Postal Service for their address.
Full-Service Identity Restoration
Restoration Specialists use a limited power of attorney to restore a member’s identity with lenders, credit bureaus, the state, county courts and more.
Single-Bureau Credit Monitoring
Informs members of changes to their credit file — including credit inquiries, new loans, new credit cards, delinquencies and more.
Child Identity Monitoring
Service that monitors your minor child’s personal information and Social Security number for activity on the dark web. It also monitors a minor child’s Social Security number to identify credit information associated with their identity.
Lost Wallet Services
Restoration Specialists help members cancel and reissue personal documents — including credit cards, debit cards, driver’s license, Social Security cards, etc.
Prevention and Recovery Tools
Online tools help members prevent and recover from identity theft. These tools include an identity theft tracking sheet, personal information organizer, identity theft prevention and victim action guidebooks, videos and more.
Identity Theft Insurance**
Coverage up to $1 million for expenses associated with restoring the member’s identity, including legal costs, loss of income, fraudulent withdrawals and more.

Internet Surveillance
Service monitors thousands of websites and millions of data points throughout the internet to see if a member’s personal information is being traded and/or sold. If a match is found, the member will be alerted to take action.
Common information tracked online includes:
- Social Security Number
- Email Addresses
- Telephone Numbers
- Medical Identification Numbers
- Driver's License Number
- Credit Card Numbers
- Passport Number
- Bank Account Numbers

Frequently asked questions

How does the plan work?

Members Face a Legal Issue.
You can receive an initial consultation from a network attorney in-office or via telephone on any covered matter.

Members Select an Attorney for Advice.
You receive information for attorneys in the network who practice in the area of law where you need help. You contact an attorney of your choosing to discuss your issue on the phone or make an appointment to meet in person.

ARAG Pays the Network Attorney Fees.
If your covered matter requires further legal assistance, ARAG covers 100% of the members network attorney fees, after you pay a $250 deductible.*

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. Others 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 after I purchase it?

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. For each legal matter you address, you pay a $250 deductible. Then network attorney fees are 100% paid in full for covered legal matters.

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. Subject to exclusions.

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 exceeds 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 matters regarding divorce and post-divorce matters, e.g., divorce, child support, custody, visitation and alimony, are not covered under Legal Protection Plus; however, please note that if your matter is not covered (yet not excluded), you can receive a reduced-fee benefit of up to 25% off a network attorney's normal hourly rate.

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. You'll have access to a nationwide network of thousands of attorneys who average 20 years of experience. Plus, 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 credentialing process, ARAG requires all attorneys to disclose any complaints filed with or any disciplinary action by any attorney disciplinary authority or court, 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. The insured will need to complete an indemnity claim form to be reimbursed. To request a claim form, please call ARAG Customer Care at 800-819-6010.

How do I cancel my policy?

To cancel, please call Customer Care at 800-819-6010.