On July 11, 1969, Harland Stonecipher was involved in a head-on collision. He got away with his life, as well as a mountain of legal fees. Sure, he had car insurance and medical insurance and even a life insurance policy, but he didn’t have any protection from all the legal bills that quickly piled up. So Harland turned to Europe and began researching the legal expense plan industry over there. In 1972 all the pieces came together and...