Legal Insurance

Legal Insurance  


For a low monthly premium, you'll have access to a nationwide network of attorneys who will:

  • Work with you in person, over the phone or online to consult on legal issues.
  • Review or prepare personal documents.
  • Make follow-up calls or write letters on your behalf.
  • Represent you.

Network attorneys can help with a variety of legal services, including:

  • Estate planning, including wills and powers of attorney
  • Family law (name change, adoption)
  • Consumer protection issues (auto repair, consumer fraud)
  • Traffic matters (driver license suspension, traffic tickets)
  • Debt-related matters (bankruptcy, foreclosure)
  • Landlord/tenant matters (contracts, security deposit)
  • Buying/selling a home
  • And more!

Sign up today for comprehensive legal protection.


Learn More
Visit and enter access code 18550sc to learn more about what the plan offers, research legal topics and more!


NOTE: When you sign up, you are enrolling for the full plan year and must remain in the plan until the next annual enrollment period.


Tell Me More

As a new hire, you can enroll within 30 days of your benefits eligible date. Outside of your new hire enrollment period, enrollment is limited to the company's annual enrollment period.


You can choose between two plans:

  • UltimateAdvisor®, which provides a wide range of coverages, legal services and online tools and resources for $13.50 per month.
  • UltimateAdvisor Plus™, which offers everything you get with UltimateAdvisor, along with additional legal coverage including services like identity theft, tax, financial and services for parents and grandparents, for $21 per month.


Payments can be made via payroll deduction, which covers you, your spouse/domestic partner and eligible dependents.


Contact Us

We're here to help! Please contact us in whatever manner is most convenient for you.

Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
 ARAG Phone
 M-F 9a-6p ET

How It Works


Answers about the plan, including eligibility, options, enrollment, customer service and more.
  • Who is the provider?

    ARAG® is a leading provider of legal insurance in the U.S., offering the most comprehensive legal insurance plan designed around a nationwide network of attorneys. You can choose between two different plans, UltimateAdvisor® and UltimateAdvisor Plus™. For both plans, network attorney fees are 100% paid in full for most covered legal matters.


    The legal insurance plan provides affordable legal counsel for a variety of legal matters, such as a dispute with a contractor, buying or selling a home or creating a will.

  • How can this help me?

    Legal is everywhere. And this affordable, versatile benefit puts a network of attorneys on your side, ready whenever you need assistance with legal matters or financial issues. That means you can consult with a network attorney who can help you create a will, fight a traffic ticket or take legal action regarding a dispute with a home contractor. And it's covered under your legal insurance benefit because network attorney fees are 100% paid in full for most covered legal matters.


    Simply call ARAG Customer Care at 800-247-4184 and a specialist will help you get connected with a network attorney in your local area. The attorney can:

    • Review or prepare personal documents.
    • Make follow-up calls or write letters on your behalf.
    • Advise and consult with you on legal issues.
    • Represent you.


    To help you better manage today's common legal and financial matters, visit the Learning Center at, where you have access to a variety of tools and resources, including:

    • Educational articles, videos and guidebooks: Get helpful tips regarding key legal, financial and consumer issues like estate planning, debt collection, identity theft, caregiving and working with an attorney.
    • Personal Information Organizer: Download this document to help you keep track of all your critical legal, financial, medical and personal information.
    • Legal Glossary: Review this comprehensive collection of terms and coverages, with easy-to-understand descriptions and real-life examples to help you learn more about your legal issue.
  • Who is covered?

    You and your eligible family members are covered.
  • What’s covered?

    You can choose between two different plans, UltimateAdvisor® and UltimateAdvisor Plus™. Both plans offer unlimited telephone advice on covered matters and network attorney fees are 100% paid in full for most covered legal matters. You can also receive in-office consultations regarding a wide range of personal legal issues and full representation for the following:

    • Estate Planning (Wills, powers of attorney)
    • Family law (name change, adoption, divorce)
    • Consumer protection issues (auto repair, consumer fraud)
    • Criminal Matters (expungement, juvenile matters)
    • Debt-related matters (bankruptcy, credit records)
    • Landlord/tenant matters (contracts, security deposit)
    • Plus, many more – visit for details.
  • Are there any exclusions?

    The plan covers most personal legal services. The following matters are excluded from coverage:

    • Matters against ARAG, the policyholder or an insured against the interests of the named insured under the same Certificate.
    • Legal services arising out of a business interest, investment interests, employment matters, employee benefits, your role as an officer or director of an organization, and patents or copyrights.
    • Legal services in class actions, post judgments, punitive damages, malpractice, appeals, small claims court or equivalent court in your state.
    • Legal services deemed by ARAG to be frivolous or lacking merit, or in actions where you are the plaintiff and the amount we pay for your legal services exceeds the amount in dispute, or in our reasonable belief you are not actively and reasonably pursuing resolution in your case.


    Pre-existing matters: If you have already hired the services of an attorney, a legal action has been filed or any actual or alleged violations of either party's rights has occurred, you are not eligible for in-office coverage. However, as a plan member, you are eligible to receive telephone legal advice for nonexcluded matters from a network attorney as well as reduced fee benefits for in-office legal services of at least 25 percent off their normal rate.

  • What attorney can I use?

    You have access to more than 14,000 network attorneys across the U.S. who:

    • Are individually selected to ensure you receive professional assistance.
    • Average more than 20 years of experience practicing law.
    • Can meet a wide range of legal needs.
    • Are re-credentialed annually to ensure they meet ARAG's standards.
    • Must fulfill specific criteria to maintain their status in the network.


    You also have the flexibility to use a non-network attorney and get reimbursed for covered services according to the indemnity benefits under your legal plan. If you have difficulty connecting with a network attorney, contact ARAG for help to receive full plan benefits on covered matters.


    To find local network attorneys, please contact our Customer Care Center at 800-247-4184. You can also log in to and access the Attorney Finder to search for a network attorney by area of law and location. If you have any difficulty locating a network attorney, please call our Customer Care Center to learn about our network attorney guarantee.


    Members can also download the ARAG Legal app to make it easier to select and connect with attorneys.

  • How are payments handled with a non-network attorney?

    As a member, you have the choice to see a network or non-network attorney; however most members use a network attorney for their legal matter. If you choose to work with a non-network attorney, you will be billed directly by them. You will then be required to provide ARAG with appropriate documentation—including an ARAG non-network attorney claim form—to be reimbursed for covered legal services under your indemnity benefits. Reimbursement will then be made to you according to the indemnity amount, which is listed in your group policy.
  • Can I use this plan for small business-related or employment-related legal matters?

    No. ARAG provides legal protection for personal legal matters and does not provide services for business-related legal matters or any matter involving your employer, its subsidiaries or insurance carriers.
  • What if my employment status changes?

    If members leave employment, they have the option of enrolling in an ARAG conversion plan that offers similar benefits and arrange to pay premiums to ARAG directly for coverage. Contact ARAG at 800-247-4184 for details.

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, 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. This material is for illustrative purposes only and is not a contract. For terms, benefits or exclusions, contact us at 800-247-4184.


Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.