What Is Legal Insurance?

All About ARAG Legal Insurance

  • 2 Minute Read
  • Shares
The contents within this iFrame belong to a third party. As such, the accessibility of this iFrame is beyond our control. If you have any difficulty interacting with this content, please contact Customer Care at 800-247-4184 or email service@ARAGlegal.com.

Legal insurance is a benefit designed to help employees handle life’s legal matters. But many people aren’t familiar with how this benefit works.

Legal is everywhere – from the things you plan for to the unexpected.

And legal insurance provides people with the help they need to address and resolve these matters.

Why Legal Insurance

It can help with issues like:

• Traffic tickets and moving violations;
• A dispute with your landlord;
• Family matters like marriage, divorce, child custody and adoption;
• Buying or selling a house;
• Financial matters such as debt issues and  taxes;
• Home ownership and renovation contracts;

  • Services for parents and grandparents;
    • And estate planning for things like creating a will or a power of attorney.

So how can ARAG members use their legal insurance coverage?

Note: the life events shown are general examples and the related legal matters may not be specifically covered under your plan.

What are the benefits of legal insurance?

For many Americans, legal insurance is considered a valuable benefit that ensures affordable counsel and peace of mind.

It’s designed to:

  • Provide legal advice and representation from a network of attorneys.
  • Save you the hassle of asking for recommendations or having to research options.
  • Protect important assets, such as your home and finances.
  • AND it saves you time and money.

In fact, with the average attorney rate costing hundreds of dollars per hour, members could save thousands in legal fees.*

Advantages for members

ARAG plan members receive the following benefits:

  • Network attorney fees that are 100% paid-in-full for most covered matters.
  • Access to local and professional attorneys who average 20 years of experience.
  • Cost savings of thousands per legal matter.*
  • Ability to meet with network attorneys by phone or in person for advice, document review and representation.
  • Easily accessible ratings and reviews of network attorneys left by real ARAG members.
  • Convenient online access to account info, plan details and other resources including D-I-Y Docs®.

How does an ARAG plan work?

Now that you know what legal insurance is, how does it work once you’re a member?

To get started, simply call Customer Care when you have a legal need.

A representative will show you how to connect with network attorneys in your area by providing a short list to help you get started. A complete list is also available online.

Then you’re ready to meet with an attorney in person or over the phone.

ARAG has your back

When you’re dealing with a legal matter, ARAG’s network attorneys are here to help, whether in person, over the phone or online.

In-Office Attorney Services include:

  • Providing legal advice and consultation
  • Representing you in court
  • Reviewing and preparing documents

Telephone Advice and Consultation provides you with:

  • Network attorneys available via telephone nationwide
  • Immediate access and
  • Additional flexibility

Online Resources

Visit ARAGlegal.com to access your member account, which includes information about coverages and how to get started in dealing with a legal issue. 

D-I-Y Docs® let you create your own legal documents online, including state-specific ones. There’s a variety of attorney-created choices, such as wills, child medical authorization, contractor agreements and more.

The ARAG Legal app is available when you need legal help on the go. Simply log in with the same credentials used for the member site.

You can use our website or mobile app to locate a network attorney. There you’ll find detailed info including areas of practice, experience, licensing, education and ratings and reviews from ARAG members.  

All eligible employees have access to the Learning Center and more on our website, where they can find:

  • Plan coverages and costs
  • Articles, guidebooks, videos and other resources.


Thank you for watching this video from ARAG! If you have questions, please contact our Customer Care department.

*Average cost to employee without legal insurance is based on the average number of attorney hours for ARAG claims incurred in 2017 or 2018 and paid by December 31, 2019, multiplied by $368 per hour. $368 is the average hourly rate for a U.S. attorney with 11 to 15 years experience according to The Survey of Law Firm Economics: 2018 Edition, The National Law Journal and ALM Legal Intelligence, October 2018.


All Topics

View a list of all our legal topics.

Product Updates

Sign up to get the latest ARAG coverage and service announcements.