A R AG L E G A L C E N T E R

A Simple Way to Provide Choice to All Your Employees

ARAG Legal Center:

Help 100% of your employees with lifes legal challenges.

3 out of 4 employees experienced at least one legal life event in the past year.1 Yet 1 in 3 employees has a plan to pay for legal expenses that occur. 2
1

Consumer Legal & Financial Woes Study, Conducted by Russell Research and commissioned by ARAG, March 2012. 2 Legal Needs of Todays Multi-Generational Workforce, a national study conducted by Russell Research and commissioned by ARAG, March 2012. 1

ARAG Legal Center

Flexible, Aordable Legal Solutions that Benet All Your Employees
Looking for an employee-paid benet that helps all your employees and comes with no direct cost to your company? Turn to the ARAG Legal Center a exible platform of aordable legal solutions that meets all your employees needs. While your employees are at work each day, many are burdened with personal legal and nancial issues and are unsure of what to do next. Now you can oer them a wide range of choices to help them address these issues and reduce the intimidation, confusion and high costs of legal protection. Oer the ARAG Legal Center, an easy way for your employees to regain control.

UltimateAdvisor LawPhone DIY Docs Education Center

ARAG Legal Center Legal Solutions for Every Employee. A Valuable, Employee-Paid Benet at No Cost to You.
800-888-4184 ext. 237 ARAGgroup.com
2

Education Center:
Oer all your employees this free online legal benet without any direct cost to you.

The website covers most questions anyone would have.

Richard B., Roseville, CA Plan Member
3

EDUCATION CENTER

Education Center
Free Legal Tools and Resources to Empower Your Employees
With the Education Center from ARAG, your employees receive a FREE benet at no cost to you. All your employees have access to online legal resources to become more informed about the legal issues that impact them. The Education Center includes the following online benets: The Law Guide: A collection of articles that contain insightful and timely information on a wide range of legal topics. How-To Resources: Informative materials including Guidebooks and Videos that touch on key consumer issues currently impacting employees, such as caregiving, estate planning, debt collection and more. LawExpresso: A free e-newsletter packed with timely and helpful legal tips. Legal Glossary: Easy-to-understand denitions that eliminate the confusion and intimidation of legal terminology. Personal Information Organizer: A document that helps employees keep track of critical, personal information all in one place. Legacy Planning: Essential legal documents and tools oered to all employees during the Benets Open Enrollment Period to help them protect their families and plan for the future. Health Care Power of Attorney Living Will

Free Education for All Your Employees. Enhanced Benets for Your Organization.
800-888-4184 ext. 237 ARAGgroup.com
4

DIY Docs:
Empower your employees to take control of lifes issues on their own.

I absolutely love this site. Its easy to access and nd your way around to whats needed. Its absolutely awesome that these documents are available to us.
Shenel B., Rosharon, TX Plan Member
5

DIY DOCS

DIY Docs
A Simple, Secure Way to Create Online Documents
DIY Docs (Do-It-Yourself Documents) is an aordable solution for your employees that allows them to eciently and safely create legally valid documents online at their own pace, when its convenient for them. Best of all, it requires no costs or administration on your part since its direct pay. With an annual subscription to DIY Docs, your employees receive the following benets: Education Center Plus, these additional services: Legally Valid Documents: Online access to more than 300 state-specic documents authored and reviewed by attorneys for accuracy and state-specic compliance in all 50 states. These documents can assist your employees with everyday life, including issues involving: Automobiles Caregiving Estate Administration Finances Easy-to-use Interactive Document Assembly Tool: Helps your employees eciently create legally valid documents by asking them simple questions. My Documents: Online document storage and 24/7 access for your employees to create, update, retrieve and print documents. Legacy Planning: Additional legal documents employees can easily create online using DIY Docs: Financial Power of Attorney Health Care Power of Attorney Living Will Standard Will Real Estate Marital Issues Miscellaneous

An Easy-to-Use Legal Solution for Your Employees. A Hassle-Free Legal Benet for Your Organization.
800-888-4184 ext. 237 ARAGgroup.com
6

LawPhone:
Oer your employees direction with convenient access to helpful legal and nancial advice.

[The Network Attorney] explained the situation and my options, and sent me the information I needed for next steps.
Stephanie L., Lake Stevens, WA Plan Member
7

LAWPHONE

LawPhone
A Direct Line to Legal and Financial Assistance
Your employees can call ARAG to receive trusted advice and consultation from experienced Network Attorneys and Financial Counselors for a variety of personal legal and nancial matters. Its like giving your employees access to their own Board of Advisors to turn to whenever they need help. With LawPhone, your employees have access to the following benets: Education Center DIY Docs Plus, these additional services: CaseAssist: ARAG Customer Care Specialists help your employees navigate their legal issues by listening to their needs, walking them through their benets and providing choices to address their issues. Legal Hotline: Toll-free legal advice from attorneys in every state plus Puerto Rico on virtually any personal legal matter. Additional attorney services include: Document Review and Preparation Follow-up Calls and Letters Reduced Fee Benets: Employees will receive at least 25% o a Network Attorneys normal hourly rate for other personal legal matters. Financial Wellness Hotline: Toll-free access to Financial Counselors for nancial education and guidance. Online Financial Tools and Resources: Access to more than 300 articles on various nancial topics, interactive calculators, a personal nancial plan and a mutual fund research center. Identity Theft Services: Toll-free access to Certied Identity Theft Case Managers and online resources to help your employees prevent and recover from identity theft. Legacy Planning: Work with attorneys over the phone to create these essential legal documents: Financial Power of Attorney Health Care Power of Attorney Living Will Standard Will 24/7 Emergency Phone Assistance

Fewer Worries for Your Employees. More Productive Employees at Work.

800-888-4184 ext. 237 ARAGgroup.com
8

UltimateAdvisor:
Help your employees prevent and resolve lifes legal and nancial issues.

[The Network Attorney] is everything you wish for in an attorney. His knowledge, attitude and patience in walking me through the legal process made a dicult situation easy to understand and handle. It took all of the stress out of the unknown.
Julie G., Oakdale, MN Plan Member
9

ULTIMATEADVISOR

UltimateAdvisor
Comprehensive Legal Coverage Helps Your Employees Address Lifes Legal Issues
Your employees will be backed by the strength of all of our products wrapped up into one comprehensive legal insurance plan UltimateAdvisor. A benet oering unmatched in the industry and designed to reduce worry and eliminate high cost legal fees. With UltimateAdvisor, your employees have access to the following benets: Education Center Docs DIY LawPhone Plus, these additional services: Attorney Services: Employees can meet with a local attorney, who oers a wide range of paid-in-full services, including: Document Review and Preparation Follow-up Calls and Letters Legal Advice and Consultation Court Representation

Broader and Deeper Coverage: UltimateAdvisor provides legal services to protect your employees in all areas of life and most legal issues are 100% paid-in-full, including: Bankruptcy and Debt Caregiving Issues Consumer Protection Issues Criminal Matters Family Law Matters Landlord/Tenant Matters Real Estate Issues Trac Matters And More

Network Attorney Guarantee: ARAG guarantees an attorney within 30 miles of your employees home or work. Reduced Fee Benets: Employees will receive at least 25% o a Network Attorneys normal hourly rate for other personal legal matters. Legacy Planning: Employees can work directly with an attorney to create or update the following legal documents: Financial Power of Attorney Health Care Power of Attorney Living Will Standard Will Complex Will

Legal Relief and Cost Savings for Your Employees. Reduced Stress in Your Workplace.
800-888-4184 ext. 237 ARAGgroup.com
10

ARAG 400 Locust Street, Suite 480 Des Moines, IA 50309 800-888-4184 ext. 237 515-246-8710 Fax

ARAGgroup.com

Limitations and exclusions apply. 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 or Advisory Communication Systems, Inc., depending on the product and state. Some products are only available through membership in the ARAG Association LC. This material is for illustrative purposes only and is not a contract. For terms, benets or exclusions, call our toll-free number. 2012 ARAG North America, Inc. 244211v2