I did some research on Texas/US Law Shield and found some interesting stuff

Obligatory "I am not a lawyer" disclaimer.There was some confusion in another thread about the different between http://uslawshield.com and http://ift.tt/1PT5z9L. The sites look similar but are different, one member of Texas Law Shield said that he could not log into the US Law Shield site. The website domains are owned by the same company but hosted on different servers. The legalese provides some more concrete informationTexas Law Shield, LLPA Texas based LLP that agrees to give provide you with a lawyer. They are not an insurance company but are a Legal Service Contract company, a regulated industry in Texas. They must keep a certain amount of cash on hand, at least $50,000 to hold up their end of the contract. They can cancel this contract for any reason with written notice (VIII.A)U.S. Law Shield of Pennsylvania, LLCVery similar legal speak except they are just an ordinary company with no regulation.U.S. Law Shield of Oklahoma, LLCA prepaid legal services company, I can't find any legal regulations but they claim to base their model off of the ABAs modelU.S. Law Shield of Missouri, LLCAn LLC that provides a "legal service plan." This is not insurance and I could find no state regulation so it is probably just a contract.U.S. Law Shield Legal Expense Insurance Corporation,A Florida corporation for their Florida residents. This is the only actual insurance company. Does not cover any form of appeals (all other states covered the initial appeal). Unlike other policies this one has relations with a specific lawyer rather than saying they'll find one when the time comes. There was a disclosure notice at the end about the law firm of Walker & Rice, L.L.P being shareholders in this company. I can not find any info on this organization. The Florida Bar has no recognized law firms with that name nor people with those last names listed with that company. However, the name Darren Ray Rice and Thomas Walker came up on their articles of incorporation. Darren Ray Rice is a bar certified attorney since 1996 with no discipline on record (10 years) and Thomas Walker has been certified since 2006 with no discipline who mainly does family law (but claims to also do criminal, personal injury and juvenile matters). I do not know if this means they are the only lawyers that will represent you, but I wouldn't want either since I don't know Rice's background and Walker is a family lawyer.U.S. Law Shield of Colorado, LLCAn LLC that provides a "legal service plan." This is not insurance and I could find no state regulation so it is probably just a contract.SummaryTexas and Florida are the only two states where I would even consider getting their protection. Other states don't require them to have enough money to hold up their end of the contract, if they run out of money you are SOL. Since all the contracts allow them to cancel all they have to do is run out of money, cancel all their contracts (and issue refunds in a few states where required) then disappear. They separate companies into multiple states which is incredibly suspect since most aren't regulated. I would guess this structure is to mitigate damage if they run out of money and to make their point of bankruptcy a lot less than the assets of the entire network. Each unregulated state would only run out of its own money rather than the pool of all sates. They seem to have a tendency to do the least amount required by law in each state. via /r/CCW http://ift.tt/1S1e8H8