A pre-paid legal service (PPL or PPLS) is an individual or group low-cost insurance provider for specific, limited legal services (usually basic, but sometimes specialized) from participating law firms and attorneys at costs considerably less than independently hiring these providers. PPL services may be provided on an "open" basis, with a subscriber selecting specialists relatively freely from a pool of participating providers, or in a "closed" system, in which most or all services are provided to a subscriber by one central law firm. Pre-paid legal services have existed since the early 1900s, and have increased in popularity since the 1970s.
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