▁of ▁B TE ▁nor ▁of ▁A TE ▁ins urance . ▁The ▁Ministry ' s ▁research ▁estimated ▁that ▁ 2 8 ▁million ▁British ▁adult s ▁have ▁actually ▁B TE ▁ins urance , ▁mostly ▁as ▁an ▁add - on ▁to ▁another ▁ins urance ▁policy . ▁ ▁United ▁States ▁Pre - pa id ▁legal ▁services ▁are ▁relatively ▁new ▁in ▁the ▁United ▁States . ▁There ▁are ▁a ▁variety ▁of ▁online ▁legal ▁services ▁that ▁offer ▁legal ▁plans ▁which ▁usually ▁cover ▁specific ▁events ▁like ▁draft ing ▁a ▁contract ▁or ▁a ▁will , ▁while ▁legal ▁protection ▁ins urance ▁covers ▁un for ese en ▁events ▁( e . g . ▁employ ment ▁or ▁consumer ▁disput es ). ▁Leg al ▁plans ▁rely ▁mainly ▁on ▁bulk ▁sav ings ▁( for ▁instance ▁mass ▁purch asing ▁of ▁legal ▁services ▁or ▁in - house ▁coun sel ▁for ▁a ▁specified ▁group ▁of ▁people , ▁such ▁as ▁trade ▁union ▁members ) ▁rather ▁than ▁on ▁ins urance ▁principles , ▁i . e . ▁they ▁do ▁not ▁include ▁guarante es ▁like ▁ins urance ▁but ▁provide ▁cover ▁only ▁until ▁the ▁accum ulated ▁funds ▁are ▁used ▁up . ▁Leg al ▁plans ▁are ▁offered ▁by ▁trade ▁un ions ▁as ▁a ▁free ▁benefit ▁of ▁union ▁membership ▁or ▁they ▁are ▁set ▁up ▁by ▁groups ▁of ▁people ▁having ▁a ▁common ▁interest , ▁like ▁university ▁students . ▁ ▁References ▁▁ ▁Category : Types ▁of ▁ins urance ▁Category : Leg al ▁costs <0x0A> </s> ▁Notre ▁D ame ▁Fal cons ▁▁▁▁▁▁ ▁Jo el ▁Mal col m ▁Davis ▁is ▁an ▁American ▁professional ▁mixed ▁mart ial ▁artist ▁and ▁former ▁folk style