CCW Insurance vs Defense Funds/Prepaid Legal - What's the difference?

Hi all, for starters, I am aware there's a CCW Insurance topic in the FAQ but I'm still having a bit of trouble understanding things.I have looked at many insurance options and prepaid legal options and have taken a look at the comparison sheet from VCDL which was fantastic.It seems like Self Defense Fund is a good option with low monthly rates and a fairly high benefit.So with that said, what's the difference between insurance such as SecondCall, USCCA, etc., and prepaid legal/defense funds such as Self Defense Fund?Will the Self Defense Fund do everything that insurance companies will do or are companies like Self Defense Funds not very reliable (able to go bankrupt anytime)? It would be great if someone that had any ccw insurance/defense fund who actually had to use it could tell of there experiences with their insurance but I understand that will probably not be possible.Thanks for all your help! via /r/CCW http://ift.tt/2njaaNM