This essay analyzes the group and prepaid legal services industry and how regulatory mechanisms must change in order to create a conducive environment that will foster the necessary innovation to allow this industry to continue to thrive. Group and prepaid legal services continue to face regulatory obstacles that hinder necessary innovation in the industry. The tortured history of the group and prepaid legal services industry is well documented and highlights the issues that the current legal landscape still faces. As this essay demonstrates, it is beneficial to analyze the current state of regulations and rules governing group and prepaid legal services plans, with a particular focus on state commerce, insurance regulations, and state supreme court governance. Changing the legal landscape to create an incentive for continued innovation in this industry is an arduous but necessary task.

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