i hate to be the one who brings up the possible down side. I cannot imagine ANY attorney agreeing to take on a case for the proceeds of this insurance after a cc'r shoots/kills someone. It sounds like prepaid legal, and though it says it will, but for how long. Attorneys are billing $300-500 an hour, how long are they gonna rep you for no money out of your pocket? What circumstances? What if you are convicted of a bad shoot? Might be a good thing, and don't want to rain on anyones parade, but I naturally trust no one, and until I have proof otherwise, $100 a year for something kind of nebulous is a no go.