When illness grabs ahold of us, we expect our medical insurance to bail us out, we expect the same thing from our car and home insurance companies. But guess what, our legal protection and our identity rights don't mean as much to us as it should.

That's what has made me take a closer look at several companies that offer some type of prepaid legal protection. In researching these prepaid legal companies I question the need for such an added expense to my already growing monthly output.

I ponder on if a prepaid legal serivce plan is something people need to have or is it a product that takes advantage of people's fear and anxiety about legal matters.

Years ago I used a legal professional because my dad lost his battle with severe illness and I needed help sorting through the final details of his life's legacy.

The thing is, dad had no updated will so we were kind of left in the dark on what to do. I'm currently reading how some prepaid legal services offer will preparation as one of the cornerstones of what they do.

Honestly, having a last will and testament drawn up is the furthest thought from my mind at any given time. I probably should get one prepared just in case because it's been reported that an astonishing seventy percent of people will pass away without leaving a will behind.

And in contacting several prepaid legal companies they said that their first mission is to help you devise a will as soon as you arm yourself with prepaid legal protection.

From what I understand about most prepaid legal services is that they are basically a voice for those who probably can't keep an attorney on retainer full time and that turns out to be most people. But I guess a prepaid legal services plan would be like having an entire law firm on retainer.

Theoretically, I could be bombarded with legal complications like being detained by law enforcement, collecting a debt from someone who owes me, and preparing my will, and have these situations seen about by my prepaid legal services law professionals.

Maybe if I had a boatload of legal problems ready to chew me up this would be really advantageous to me, but it's not right now. I could see the will prep as something my spouse would bug me about. But what if a person really has nothing to leave behind?

Could be that the whole point of having some prepaid legal protection is to prepare for life's "what ifs".