What about the representations about the prepaid legal service by an independent representative?

In practically every case, it is the documents, brochures, and most importantly, the contract for the prepaid legal service that will actually control what services are provided. You should very carefully compare whatever the person who is selling the service says with what the documentation says. Any differences should be a red flag that cause you to seek clarification from the company. The representative might just be poorly trained, or they may be overreaching to try to make a sale to make a commission.