How useful are prepaid legal services in the long term

How useful are these services in the long term?

Statistics show that more than half of subscribers drop out of these plans after the first year. This is important for at least two reasons:

Did these subscribers only buy the service in anticipation of a certain need, and then drop it afterwards?
Did they find the benefit not to be worth the cost?

Here's a possible reason why many subscribers quit after the first year:

The most clever use of a prepaid legal services plan I have heard about was by a real estate agent, who found a plan that covered the preparation of a deed for a real estate transfer. He would have his clients sign up for the plan, and they would then obtain the deed through the plan's attorney. The cost of the plan was significantly less than the attorney would otherwise charge for the deed. On top of that, the real estate agent received a commission on each plan sold. The clients typically cancelled the policies after the first year. While not every situation or plan is amenable to such clever use, this example does illustrate that a well-chosen prepaid legal services plan can benefit a consumer with a known legal need.

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