Everything in your life is connected by legal — whether it’s a situation you plan for, like creating a will or buying a home — or something more unexpected, like fighting a traffic ticket. With legal insurance from ARAG, network attorney fees are 100% paid-in-full for most covered matters. Through this plan, employees can address legal issues in any of the following ways:

Meet with an Attorney: Members can work with a network attorney in-person or over the telephone to address their legal concerns. Services include legal advice, consultation and representation as well as document preparation and review.

Create legally-valid documents: Create 350+ legally-valid documents, including state-specific templates that can be customized to help members take control of legal matters. Members can securely access, edit and store their documents online at their convenience.

Access Online Resources: All employees ― even those who are not members in the legal insurance plan ― have access to a collection of online tools, educational articles and easy-to-use resources to help them better understand a variety of legal and financial matters.

UltimateAdvisor Plus™

ARAG offers an all-in-one solution within its UltimateAdvisor Plus™ plan that includes all the benefits and services of UltimateAdvisor, plus:

Identity Theft Protection offers resources to help you protect your personal identity and information, and services to help deal with identity theft in case it happens. Members have access to: $1 million identity theft insurance*, full-service identity restoration, internet surveillance, single-bureau credit monitoring, lost wallet services, child identity monitoring and change of address monitoring.

Financial Education and Counseling Services

Members call a financial counselor whenever they want information or advice regarding general financial planning and counseling services.


To help members prepare for the commitment of caregiving for a parent or grandparent, the following services are available: telephone access to network attorneys for legal matters related to a parent/grandparent, annual legal check-up for a parent/grandparent to review his or her legal matters and documents, reduced-fee services for a parent’s/grandparent’s legal assistance/elder law issues, access to eldercare advocates who can negotiate discounts for facilities when available and online caregiving tools and resources, including access to an eldercare database with more than 100,000 long-term care providers.

Tax Services

Members can call a professional tax specialist for questions or advice regarding personal, nonbusiness related tax matters. Services include: tips for state or federal filing of personal taxes, explanation of tax law changes, research on complex personal tax matters, advice regarding IRS audits and notifications, review of last year’s personal tax return and discounted personal tax return preparation.**


*Eligibility, coverage, limitations and exclusions are governed by a separate coverage document. Please see the identity theft plan summary for details.

**There is a flat $50.00 charge for each personal tax return prepared (federal, state, local) and is limited to the preparation of tax forms 1040, 1040A or 1040EZ (includes Schedule A, Schedule B and Schedule D). If the tax return requires any other schedules, an additional fee of $60.00 per hour will be billed to the member. If a different type of personal tax return is required, the member will be billed $60 per hour for the preparation of the return and any schedules.

Limitations and exclusions apply. Depending upon a state’s regulations, ARAG’s legal insurance plan may be considered an insurance product or a service product. Insurance products are underwritten by ARAG Insurance Company of Des Moines, Iowa, GuideOne® Mutual Insurance Company of West Des Moines, Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines, Iowa. Service products are provided by ARAG Services, LLC. This material is for illustrative purposes only and is not a contract. For terms, benefits or exclusions, call 800-758-2860.

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