It is legal insurance. And, the last I checked the rates were at $25 a month to get started. At the time there was no initiation fee, either. That may have changed, however.
When the salesperson was trying to get us to join it was explained to us on a tiered system. Whereby you could only get a certain amount of consultation per month. They were NOT at your disposal for everything. So, in the first six months you could get 1 hour of advice. The next six months you could get 1 hour and 15 minutes. After 3 years, the level of advice went up to 3 hours per month. If you went above and beyond that allocated amount of time the hourly rate was equal to that of a regular attorney.
The benefit is not there for the cost. An hour of coverage can be sucked up in a phone call, especially with the consultation minimums. 2 minute phone call would be logged at the 30 minute minimum.