In their lifetime, people are most likely to use legal services that fall into four categories: civil defence, civil plaintiffs, criminal defence and legal help that involve a variety of transactional or business law.

Your liability insurances already cover you for the legal pertaining to civil defence. Your insurer hires the lawyer who will defend you and have every incentive to defend your well since they are the ones who bear your legal costs irrespective of the final outcome. In that respect, you already have 'pre-paid legal coverage' in place and a legal plan wouldn't add much to the coverage.

Civil plaintiff attorneys in the Unites States work on a 'no win no fee' basis. This means that they will not charge you unless they win you damages in an insurance claim or lawsuit against someone who caused you physical injury. Their contingency fees are calculated as a 'commission' on any money won, so there is every incentive for your plaintiff lawyer to defend you and defend you well: the more you win, the more he wins. There is no need to pre-pay for a service where you stand to lose nothing, and where advice is readily available to you from plaintiff lawyers eager to work on your case.

On the rare occasion you need to bring criminal charges if you're involved in a serious accident or defend yourself against criminal charges brought against you, lining up a lawyer to represent you in advance is not the best of decisions. In these situations, client-lawyer rapport is crucial: you need someone whom you trust, build a rapport with and competent enough to defend you in a court of law. You rarely get the chance to talk to your attorney face-to-face in a pre-paid legal plan, and most of the attorneys in the network do not do criminal defence work.

Transactional and business law is the area where you will most probably find pre-paid legal services most effective. If you frequently need to someone to draft your wills, review simple contracts and set up advance health-directives or simply want competent legal advice at your disposal, then going pre-paid will save you the trouble of searching for an attorney and paying 'a la carte'.