Protection is a natural instinct. We throw our arms across our children when anticipating a car wreck; we double-check the stove, iron, and electric blanket to make sure they’re all off before leaving the house; we worry about giving credit card information out online. One form of legal protection that has been increasing in popularity since the 1970s is pre-paid legal services, and it is the result of that same, natural inclination towards protecting ourselves, those around us, and the possessions and careers we have worked so hard to build. There are, however, both pros and cons where pre-paid legal services are involved. First, let’s explain what a pre-paid legal service (PPL or PPLS) actually is.