* Please remember that these legal documents are accurate and useful in many situations. Whether or not the document is right for you and your situation depends on your circumstances. If you want specific advice regarding your situation, consult an attorney. You may be able to get help through your legal plan. Check your plan policy for details. No legal form is a substitute for personalized advice from a knowledgeable attorney licensed to practice law in your state.

While every effort is made to ensure that the DIY Docs^® are in compliance with the current law and are legally valid, state law changes frequently. ARAG continually monitors state legislation for newly enacted laws to make every effort to ensure the DIY Docs^® are legally valid. However, you may want to periodically check the template library to see if any of the documents you have created have been revised due to recent changes in the law. If so, you may want to consider redoing your document to take advantage of the new law.

The Legal Reference Program™ is available to Aetna Group Insurance members through an arrangement between ARAG and Aetna Life Insurance Company.

The Legal Reference Program is available to Aetna plan sponsor employees first and cannot be used by other family members against the covered employee.

The Legal Reference Program is independently administered by ARAG. Aetna does not provide legal services and makes no representations or warranties as to the quality of the information on the ARAG web site, the services of ARAG or of any attorney in the ARAG network.

Limitations and exclusions apply. Insurance products are underwritten by ARAG Insurance Company of Des Moines, Iowa, GuideOne® Mutual Insurance Company of West Des Moines, Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines, Iowa. Service products are provided by ARAG Services, LLC. This material is for illustrative purposes only and is not a contract. For terms, benefits or exclusions, call 888-257-2934.