ARAG offers prepaid legal insurance.  The Company states the following about the Company:

ARAG^®, or Allgemeine Rechtsschutz-Versicherungs Aktien Gesellschaft (translation: general legal protection insurance incorporated), sold its first legal plan in the United States more than 35 years ago. But the roots of the company run much deeper. ARAG was founded in Düsseldorf, Germany in 1935 by attorney Heinrich Fassbender, and remains a family-owned company today, with Paul-Otto Fassbender at the helm. Since its inception, the company has focused its efforts on a single goal – to help people protect their rights and assets by making quality legal services affordable to all.

In the U.S. we were founded in 1973 as a division of Midwest Mutual Insurance Company and began creating, marketing and administering a new group legal product. In 1989, ARAG purchased the organization and created ARAG Insurance Company.

Today, the ARAG Group is the internationally recognized, independent partner for legal matters and protection. ARAG is the largest family-owned company in the German insurance industry. With its over 3,300 employees, the Group generates sales and premium revenues of over € 1.4 billion. Outside of Germany, ARAG is actively serving customers in 12 other European countries and the United States. ARAG currently holds a leadership position in the US legal insurance market. In addition, the ARAG Group with its legal insurance products is the market leader in Spain and Italy.

See http://www.araggroup.com/aboutus/index.htm

According to the Company, individual Plan Members pay nothing for covered matters.