Hi Tess, I have been with Prepaid Legal (PPL) now about 4 years. I was introduced to a PPL rep and I purchased my policy through her. I believe each state has different rate packages. There are business plans and home plans. They bill me automatically each month on my credit card and the law firm that I call is located in Cherry Hill, NJ about an hour from me. It works like this: I call a toll free number and leave a message about what I am calling about with a receptionist who is pleasant and professional. Someone then is supposed to call me back that day or the next day. They usually call me back the same day. You never know who will be calling you back but it will be an attorney in the firm. I never had a problem with any of them. Before I joined PPL I researched legal costs in my state. I called 2 attorneys and asked the price for their hourly rate. One quote was $300/hour and the other a little less than that. My own attorney, at that time, who was my real estate attorney was high even with an AARP discount. I haven't called PPL in a while now, but I like knowing I can call at any time. I always carry the number in my wallet, you never know when you will need a lawyer either...

So, I would recommend them highly to anyone. Even if you have a problem you can call the 800 # and they will help you.

. If you need more info on this, just let me know.