I'd add the medical help service to that as well. They were a tremendous asset when I ran into a medical issue some years ago. I've never used the legal service, but know pilots who said they too were invaluable. I continue to be a member and continue to subscribe to their legal and medical services. In the grand scheme of things, it's not really a lot of money, especially compared to other types of insurances, and, IMHO, a good idea for professional pilots.