guns

I've had Legal Shield for years. I think it's $30/mo.? Anyway, it's maybe not what you're asking for, but it's damned nice to have a lawyer on the phone for free.

Life is so much easier when you can pick up the phone and ask, "Is this some bullshit or what?" If you turn out to have real problems, you get a 25% discount. Between my divorce and child custody issues, I'll never pay enough to make the difference.