Comparison Chart 

Pre-Paid Legal Defense vs. Insurance

While some have compared Pre-Paid Legal Defense program (PPLD) to insurance, in reality, it is the complete antithesis of insurance.  Here are some key differences between Pre-Paid Legal Defense and insurance.


PPLD Insurance
Annual price increases No Yes

Higher rate prior claims

No Yes
Maximum annual rate increase 5% Unlimited
Covers corporate entities Yes No

Covers staff members

Yes No
Client has full settlement authority Yes No
Client hires attorney directly
Yes
No