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Well I do Appreciate your opinion, I felt the same way until I took a closer look. Two hours of an Attorneys fees pays for the whole year of policy and every legal situation is covered. Plus you get a free will and medical power of attorney, which is usually more that the cost of having the service for a year. No long term commitments..  I have had this policy for a year and I have used over $2500. of services for my family. 
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