ARAG Legal Plan Flyer

M id- A merica A partments, L.P.

Legal Insurance from ARAG

Be protected when legal happens.

Did you know that 3 out of 4 individuals have faced legal troubles in the past three years? 1 Most people believe legal troubles are rare, once-in-a-lifetime events, but they're far more common than you think. A legal insurance plan from ARAG ® covers a wide range of legal needs like the examples below to help you address life's legal situations. How Legal Happens in Your Life

A Place to Turn During Life’s Challenges • You get caught speeding. • Your dog bites a neighbor. Managing Your Home, Protecting Your Assets • Your neighbor’s ugly fence is on the property line. • Your landlord won’t fix the heater. Protecting Your Growing Family • Create a pre-marital agreement before your wedding. • Your child gets expelled from school.

Protection As a Consumer • The mechanic botches your car repair. • Your dream vacation gets canceled with no refund.

Financial Challenges • Your ID was stolen on vacation. • You can't get out of debt.

Plus 100+ more ways to use your plan!

When the unexpected happens, having legal insurance can provide you with protection and peace of mind . How Does ARAG Legal Insurance Protect?

We help connect you with attorneys – many who average 20+ years of experience.

Work with a network attorney and attorney fees are paid in full for most covered matters.

Address your covered legal situations with a network attorney who is only a phone call away . Your network attorney can help throughout your legal matter , including preparing and reviewing legal documents, offering legal advice and representing you in court.

Save thousands of dollars , on average, for legal matters by avoiding costly legal fees.

Use DIY Docs ® to create, edit and store state-specific legal documents , like wills or powers of attorney.

1 ARAG Stress Research Study, general consumers and members with known legal issues, October 2022.

Using Your Legal Plan Is Easy

What Does It Cost?

ARAG legal insurance provides affordable coverage with more than 100+ ways to use your plan for both simple and complex legal issues, benefiting you and your family.

When you face a legal issue, getting help from ARAG is as simple as using your medical plan.

To get started, you can go online, use the ARAG Legal app or call Customer Care.

UltimateAdvisor $7.13 biweekly

Answer a few questions to confirm your coverage and receive information on network attorneys who can help with your legal matter.

UltimateAdvisor Plus ™ , which offers you even more legal protection and additional services. $10.11 biweekly

Then, meet with a network attorney virtually, over the phone or in person.

To compare plans and find the best option for you, scan the QR code.

Want More Information?

Scan the QR Code and learn more about your legal insurance plan, like a list of all coverages, plan cost savings calculator or network attorneys in your area. Or, visit ARAGlegal.com/myinfo and enter Access Code: 18333maa

(800) 247-4184

Or, call ARAG at

Limitations and exclusions apply. Depending upon a state’s regulations, ARAG’s legal insurance plan may be considered an insurance product or a service product. Insurance products are underwritten by ARAG Insurance Company of Des Moines, Iowa. Service products are provided by ARAG Services, LLC. This material is for illustrative purposes only and is not a contract. For terms, benefits or exclusions, contact us.

2026 Plan Information Rev 5/25 200333

Already a member of the ARAG legal insurance plan?

Here are five ways to get the most out of it – and stay protected. To get started, create or log in to your account at ARAGlegal.com/account or call ARAG® Customer Care. After logging in, take advantage of these valuable plan features. 1. View your plan benefits and confirm coverage Review the legal benefits covered by the plan. When you have a legal need, choose “ Start a Case. ” Answer a few questions to help us confirm your coverage and receive information about local network attorneys who can help you. 2. Work with a network attorney Review the attorney information provided by ARAG in your CaseAssist confirmation email to easily find a network attorney who can address your legal matter, review documents, represent you - and more! 3. Create online documents with DIY Docs® Create a variety of legally valid documents, like simple wills and powers of attorney using state-specific templates. Securely store your documents and access them any time to review and update as needed. 4. Check out the online Learning Center View articles, guidebooks and videos to learn more about managing essential legal and financial matters like estate planning, caregiving, consumer protection, financial planning and more. 5. Download the ARAG Legal app Use the app to contact ARAG Customer Care, search the network attorney directory and start a case. Visit the Apple App Store or Google Play Store to download.

Selecting an attorney? Read the Reviews! To help you select a local network attorney who can address your legal need, we include ratings and reviews from members just like you, so you can make an informed, confident decision.

Turn over and see how much you can save on legal matters!

Get the legal help you need.

Legal coverage is a diverse benefit that can help you navigate a variety of legal matters and saves you money. As a member, your network attorney fees are 100% paid-in-full for most covered matters. Tackle issues like:

Estate Planning. Meet with a network attorney to plan who you want to leave your assets to, name a guardian for children and determine who will be in charge of your finances and medical decisions if you’re unable to make them yourself.

Family Law. When you face challenges like divorce, guardianship questions or school matters, our network attorneys can provide legal guidance.

Traffic Matters. A network attorney can help you defend a traffic offense – and represent you in court if needed.

Property Protection. Address neighbor disputes, boundary disagreements and personal loans with the support of a network attorney.

Consumer Protection. Get advice from a network attorney for issues with auto repairs, contractors, buying a car or various types of fraud.

How much can you save?

Average Attorney Fees without a Legal Plan 1

Network Attorney Fees with ARAG 2

Example of Legal Issues:

$0 $0

Neighbor dispute

$2,533

Debt collection issues

$2,392

$2,330

Purchase/sale of home

$1,472

Will

To learn more, log in to your account at ARAGlegal.com/account

1 Average cost to employee without legal insurance is based on the average number of attorney hours for claims incurred in 2020 or 2021 and paid by December 31, 2022 multiplied by $368 per hour. $368 is the average hourly rate for a U.S. attorney with 11 to 15 years experience according to The Survey of Law Firm Economics: 2018 Edition, The National Law Journal and ALM Legal Intelligence, October 2018. 2 Attorney fees are 100% paid in full when using an ARAG network attorney for most covered matters. Limitations and exclusions apply. Depending upon a state’s regulations, ARAG’s legal insurance plan may be considered an insurance product or a service product. Insurance products are underwritten by ARAG Insurance Company of Des Moines, Iowa. Service products are provided by ARAG Services, LLC. This material is for illustrative purposes only and is not a contract. For terms, benefits or exclusions, contact us.

Rev 6/23 200489

Handle life’s legal moments with confidence – on your own schedule. DIY Tools

Take control of everyday legal matters with easy-to-use DIY Tools. You can craft the legal documents you need with DIY Docs ® , using state-specific, attorney-reviewed templates, or write a demand letter using AI-powered, ready-to-use prompts. If you’re unsure which estate planning documents might be best for your situation, the Estate Planning Navigator guides you through a series of questions to help you determine which documents may serve you best. These tools help you quickly and confidently navigate everyday legal situations. AI Demand Letters Demand Letters is a letter-drafting assistant designed to help you create professional demand letters quickly and easily, like landlord/tenant disputes, warranty claims, neighbor disputes and more. DIY Docs ® DIY Docs ® is a convenient, interactive tool that empowers you to easily create legal documents online at your convenience. You’ll have immediate access to these services: With this tool, you can draft a demand letter on your own using AI. Simply select the type of letter you want to create and we’ll provide a ready-to-use prompt to get you started. You can even ask the tool to cite city ordinances or state laws to strengthen your letter. This makes it a fast, convenient way to begin handling common disputes.

• Legally Valid Templates: The tool uses state-specific, attorney-reviewed document templates. Wills, powers of attorney, residential lease agreements or a vehicle bill of sale can be easily customized. • Guided Document Creation: Simple questions guide you to efficiently create specific documents. • My Documents: Online document storage with 24/7 access to create, update, download and print documents.

Available Legal Templates

• Specific or Dual Power of Attorney • Medical Records Release (HIPAA) • Residential Lease • Contractor Agreement

• Standard Trust with Pour-Over Will • Power of Attorney for Health Care • Authorization for Minor’s Medical Treatment • Vehicle Bill of Sale • Living Will • Standard Will

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Estate Planning Navigator The Estate Planning Navigator is a proprietary ARAG tool that asks key questions about your family, assets and privacy considerations to help you choose between a Will or Trust.

Learning Center All employees – regardless of plan membership – have free, year-round access to the ARAG Learning Center. This educational resource, accessible via ARAGlegal.com , features the Stuff Happens organizer, along with robust articles, guidebooks and videos about common issues like family and relationships, finances and debt, property ownership, caregiving and more.

Use DIY Tools Today Log in to the ARAG member portal, then select DIY Tools from the menu. From there, you can access these resources to conveniently address your legal needs.

Legal Insurance

ARAG Legal App Providing members a convenient place to turn when they need legal help.

Start a case: Answer a few questions to help us confirm coverage and provide you information about local network attorneys who can help with your case.

Find an attorney: Enter your location and a legal matter to view profile information for local network attorneys. You can also search by an attorney’s last name.

View attorney ratings and reviews: See what other plan members have to say about their experience working with a network attorney.

Sort attorney search: These include ratings and reviews, office location, network seniority and reduced fee rate.

Additional Features Include: Face ID/Touch ID: Provides secure access and quicker convenience to your account. Mobile ID: Access your digital ARAG legal insurance identification details on the go. Get Help: Contact an ARAG Customer Care specialist directly from the app to get help with your coverage or claim questions. DIY Docs®: Create state-specific legal documents, such as a will or power of attorney.

Questions? Call 800-247-4184 for more information.

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