Credit Cards • Taxes • Loans • Mortgages • College Taxes • Car loans • Taxes • Insurance • Cell Phones Gasoline • Taxes • Etc. First Major Challenge
Most people today have the same challenges
Lack of money
Lack of time freedom
Expenses are escalating . Everyday items are much more expensive today than just one year ago.
Second and Third Major Challenges Identity Theft Access to the legal system for Everyday Life Events
Five Areas to Evaluate
Has been in business for more than 35 years
Is a public company since 1976 (NYSE:PPD)
Began with a serious auto accident.
The Company Harland C. Stonecipher Founder, Chairman, & CEO
Pre-Paid Legal Featured in Many Publications
Pre-Paid Legal was most recently featured in Forbes Magazine (10/27/08) in the Top 200 Best Small Companies List- #1 for ROE!
Our sales history continues to improve as we move up and to the right each year.
It’s Not If, But When
You are more than twice as likely to be in court than you are to be hospitalized!
* American Hospital Association, 2005 Annual Survey
** Examining the Work of State Courts, Court Statistics Project 2006
37 Million 100 Million
Have You Ever . . .
been overcharged for a repair?
tried to return a defective product?
received a traffic ticket?
lost a security deposit?
signed a contract?
purchased a home?
prepared a Will?
had your Identity stolen or know someone who has?
Why Don’t People Call Attorneys
They are intimidated by lawyers.
They don’t know who to call.
They believe it would cost too much.
The Main Reasons People Don’t Seek Legal Counsel: The Most Common Responses to a Legal Dispute Are to:
Ignore the problem
Try to handle it personally
What Do We Do? Simply put a Pre-Paid Legal membership does for attorney and legal bills what medical insurance does for doctor and hospital bills.
Who Is Covered?
1. The Member
2. The Member’s Spouse
3. Never Married Dependent Children
Under 21 Living At Home
4. Dependent Children Under Age 18
For Whom The Member Is Legal Guardian
5. Full Time College Students Up To Age 23
Never Married, Dependent Children
6. Physically Or Mentally Challenged Child
Living At Home
The Pre-Paid Legal membership covers:
Seven Areas of Coverage Your Life Events Legal Plan: Preventive Legal Services Motor Vehicle Legal Services Trial Defense Legal Services Tax Audit Legal Services Preferred Member Discount 25% Legal Shield ID Theft Shield
Preventive Legal Services
Phone consultation on an unlimited number of matters
A Letter written or phone call made on an unlimited number of personal issues for you and your family
An unlimited number of personal contracts and documents reviewed up to 10 pages each
Standard Will preparation and yearly updates included for the member, available to covered family members for an additional $20
Phone consultation on unlimited matters is available to the extent the Provider Law Firm deems it necessary to adequately advise you on your legal matter. One (1) hour of legal research per subject matter will be completed by the Provider Law Firm if your legal matter cannot be adequately addressed during your telephone consultation. Nevada residents limited to 50 hours per year and 5 personal legal documents reviewed per year. A letter or phone call per subject matter is available if advisable in your Provider Law Firm’s sole discretion. Trust preparation is available at the preferred member rate. These services are available to you immediately when you enroll!
Motor Vehicle Legal Services
Call your Provider Law Firm immediately when you receive a moving traffic ticket so proper assistance can be arranged.
Representation for certain motor vehicle related criminal charges
These services are available just 15 days after enrollment! Representation under this benefit is provided when the member has a valid driver’s license and is driving a properly licensed motor vehicle. Pre-existing conditions, charges of DUI/DWI related matters, drug-related matters, hit-and-run related charges, leaving the scene of an accident, and unmeritorious cases are excluded. Commercial vehicles with more than two axles are not covered. Driver’s license and personal injury/property damage recovery assistance is limited to two and one-half (2-1/2) hours of lawyer time per claim, does not include the filing of a lawsuit, and excludes personal injury and property claims exceeding $2,000.
Up to 2.5 hours for help with driver’s license assistance and/or personal injury/property damage collection assistance of $2,000 or less.
Trial Defense Services
If you or your spouse face a civil suit or job-related criminal charges, your Provider Law Firm will provide up to 75 hours of service - at no added cost - to defend you. Additional pre-trial and trial services are available at a 25% discount from the Firm’s standard hourly rate.
The longer you keep your membership, the more valuable it becomes!
1st year - 75 hours (17.5 pretrial/57.5 trial)
2nd year - 140 hours (23 hours pretrial/117 trial)
3rd year - 205 hours (28.5 pretrial/176.5 trial)
4th year - 270 hours (34 pretrial/236 trial)
5th year - 335 hours (39.5 pretrial/295.5 trial)
Matters not covered under Plan benefits and which you may use your preferred member rate for services are: Dependents (covers member and spouse only), Bankruptcy, divorce, separation, annulment, child custody or other divorce or domestic-related matters, Charges of DUI/DWI, drug-related matters (whether prescribed or not), hit-and-run, leaving the scene of an accident, and civil or criminal charges occurring as a result of operating a commercial vehicle with more than two axles, Plan benefits apply only to charges of job-related criminal actions. Benefits do not cover instances in which you are named in a civil lawsuit or have criminal charges filed against you because you are listed as an owner, manager or associate of the business and you had no direct involvement with the act or matter that gave rise to the lawsuit or criminal charge, Lawsuits filed because of something that occurred prior to your enrollment or because of conditions that were reasonably anticipated or foreseeable prior to your enrollment (even if the lawsuit is filed after you become a member), Class actions, interventions or amicus curiae filings in which the covered member is a party (or potential party), Garnishment, attachment or any other appeal, Claims, defenses, or legal positions which your Provider Law Firm determines will not prevail in court or are frivolous or without merit.
IRS Audit Legal Services
One hour of consultation, advice or assistance when you are notified of an audit by the IRS
An additional 2.5 hours if a settlement is not achieved within 30 days
If your case goes to court, you’ll receive 46.5 hours of your Provider Law Firm’s services
Coverage for this service begins with the tax return due April 15 of the year you enroll
Coverage includes the return due on April 15th of the first membership year. Does not cover garnishment, attachment or any other appeal, class actions, interventions or amicus curiae filings, charges of tax fraud or income tax evasions, Trust returns, business and/or corporate tax returns, payroll and information returns, partnerships, corporation returns or portions thereof that are included in the member’s tax returns, pre-existing conditions—where member has been notified by the IRS prior to enrollment, and services rendered by an enrolled agent.
25% Preferred Member Discount
Your Provider Law Firm will render assistance at the preferred rate for legal services not specifically covered by the benefits of the membership. Even pre-existing matters can be covered under this portion of the plan!
If you own a business and wish representation for the entity, you will receive a preferred rate of 25% less the Provider Law Firm’s corporate hourly rate*.
The information contained in this material is for illustrative purposes only and is not a contract. It is intended to provide a general overview of the coverage you have selected. Please remember that only the plan contract can give actual terms, coverage, amounts, conditions, and exclusions. Check benefit availability in your state/province. Five business days advance notice is required for preparation in court representation. *Hourly rates for referral attorneys and court appearances may vary.
The Legal Shield gives you and your family 24-hour access to legal consultation for the following situations:
If you are detained by a law enforcement officer
If you are injured in an accident
If authorities attempt to remove your child
from your home or custody
If you are served with a warrant
To contact your Provider Law Firm, simply call the toll-free number on your Legal Shield card. You will reach the Pre-Paid Legal offices, who will then put you in contact with your Provider Law Firm, so you can consult with an attorney. It’s that easy.
Legal Shield The Legal Shield membership will not apply if the member is alleged to be under the influence of or impaired by alcohol, intoxicants, controlled substances, chemicals or medicines, whether prescribed or not; the member is alleged to be involved with domestic violence or stalking; and/or assistance in making, posting, or obtaining bond, bail or other security required for release. Check benefit availability in your state.
How Much Will It Cost? Well, with a Pre-Paid Legal membership you receive all this for only $26 a month! Isn't your family worth it? That's less than the price of a cup of coffee a day!
Five Common Types of Identity Theft
Identity Theft is not just about credit cards! ID theft is an international crime and access to an attorney may be critical.
Drivers License Identity Theft Medical Identity Theft Financial Identity Theft Social Security Identity Theft Character/ Criminal Identity Theft
Why are you at risk?
Credit Card Records
Real Estate Records
Motor Vehicle Records
Social Security Records
Your Data is Out There! What is Identity Theft?
Drivers License Identity Theft Medical Identity Theft Financial Identity Theft Social Security Identity Theft Character/ Criminal Identity Theft The Best Answer Is Credit Monitoring the Solution?
Restorative Services The Best Answer Drivers License Identity Theft Medical Identity Theft Financial Identity Theft Social Security Identity Theft Character/ Criminal Identity Theft Life Events Legal Plan Life Events Legal Plan Life Events Legal Plan Life Events Legal Plan Life Events Legal Plan Restorative Services Restorative Services Restorative Services Restorative Services
The Best Answer
Kroll is the world’s leading risk consulting company with more than 30 years of experience. Kroll has been involved in many notable cases, such as:
Assisted the Kuwaiti government in investigating Saddam Hussein’s financial network.
Responsible for the restructuring of Enron.
TM SHIELD ID entity Theft with the Pre-Paid Legal Plan
Credit Report & Continuous Monitoring
You will receive an up-to-date credit report through Experian at no additional charge with your membership.
Your credit files will be regularly monitored . Suspicious activity will be brought to your attention, providing you with early detection.
You’ll receive prompt notice if any new accounts are opened in your name... or if derogatory notations are added to your credit report.
If your identity is stolen , you need more than just information about how to restore your name and credit rating. As an Identity Theft Shield SM member you can rest easy knowing experienced
professionals are working for you!
Fraud alert notifications will be sent on your behalf and applicable
follow up will be done with affected agencies and institutions
Proactive searches of applicable local and national databases will be made on your behalf to look for breaches you may not be aware of.
Identity Restoration will not apply if the identity theft is the result of a dishonest, criminal, malicious, or fraudulent act you, your spouse, or your child participated in, directed, or had knowledge of. Restoration services will not be provided for a known stolen identity event that occurred prior to enrollment date. You must be an active member to receive restoration services. Services provided do not cover financial losses arising from the identity theft. A signed limited power of attorney must be provided to Kroll when an Identity Theft Restoration case is opened in order for Kroll to work on your behalf and/or provide the Proactive Database Searches listed. A stolen identity event does not include the theft or unauthorized or illegal use of your business name, d/b/a, or any other method of identifying your business activity.
The Complete Wall of Security The Best Answer Life Events Legal Plan YOU Monitoring Services Restoration Services Pre-Paid Legal Services, Inc. is the only company with a suite of products that provides help in every phase of Identity Theft – before, during, and after the crime occurs.
How Much Will Peace of Mind Cost?
With the Pre-Paid Legal Life Events Legal Plan you will receive all these benefits for just $26 or less per month! And the Identity Theft Shield can be added for an additional $9.95 per month.
$35.95 per month for this month to month service!
That’s less than the price
of a bottle of water a day .
What’s in It For You?
We need your help taking this service and opportunity to the marketplace.
How do people create WEALTH? Work for someone else? Get a second job? A third job?
Investment As a Fast Start Associate you receive:
3 months FREE enhanced website
3 months FREE Televox
1 Getting Started Right Book
3 Training CDs
3 Recruiting DVDs
1 Recruiting CD
Special Executive Director support and guidance to launch your business! $49 Basic Applications Brochures
2. Create more millionaires than any other company
PPL TRACK RECORD:
In 2007 approximately every 12 days a new family started earning a six-figure income working with PPL!
And approximately every 26 days a new family joins the Millionaire Club!
Protect every family with the Life Events Legal Plan and Identity Theft Service
PPL TRACK RECORD:
Servicing more than 1.5 million families.
Over 34,000 companies offer the services as an employee benefit.
Director 3 Manager Teams or 250 membership counters Manager One Senior Associate team or 100 membership counters Senior Associate Three Jr. Associates with membership or 50 membership counters Jr. Associate $34.57 $138.27 $172.84 $207.41 Advanced Commissions Team Override Advance $69.14 $34.57 $34.57 Associate One new Jr. Associate with membership or 25 membership counters $69.14 $34.57 Executive Director Current Qualifications $252.35 $44.94 ($217.78) ($172.84) ($138.28) ($103.71) Cumulative Override advance from a new Jr. Associate Advanced Commissions Commission amounts shown represent advances. If a membership cancels during the advance period, you will be charged back against future commission advances. All you do is collect: $35.95 1st month dues + $10.00 One time enrollment $45.95
Example Senior Associate Junior Associate Manager You (Director) 10 Memberships X $34.57 Override $345.70 6 Memberships X $69.14 Override $414.84 4 Memberships X $138.28 Override $691.36 Example $345.70 + $414.84 + $691.36 + $414.82 $1866.72 2 Memberships X $207.41 Commission $414.82
#1. Become an Associate $ 249 #2. Enroll for Legal Plan & IDT Shield $ 35.95/month 1. ________ 2. ________ 3. ________ 4. ________ 5. ________ 6. ________ 7. ________ 8. ________ 9. ________ 10. ________ 11. ________ 12. ________ If only 1 out of 10 are working, that’s 400 Associates. If 400 Associates market one combo membership/month, that’s 400 X’s ED bonus/$40 = $16,000 Figures represent potential income only and are no guarantees of any certain income. Figures represent sales of both plans. #3. Help ONE new Associate get started per month and you and your organization each do these same THREE things. 2 4 8 16 32 64 128 256 512 1,024 2,048 4,096 Three Steps to a Successful Business 12 MONTHS
Advanced Commissions - $26 Plan Commission amounts shown represent advances. If a membership cancels during the advance period, you will be charged back against future commission advances. Team Override Advance Personal Sales Advance All you have to do is collect: $26.00 1st Month's fee + $10.00 One Time Enrollment $36.00 Executive Director Senior Associate Associate 182.50 32.50 150.00 125.00 100.00 75.00 25.00 25.00 25.00 Director Manager CFT Associate 25.00 25.00 132.50 100.00 75.00 50.00 25.00 Cumulative Override Advance
Pre-Paid Legal Pays You Every Day
Commissions are paid daily by direct deposit!
Commissions are paid daily by direct deposit! daily
Qualify for the Player’s Club and receive a monthly car bonus!
*The program requires additional requirements to be met. Review the Player’s Club flier for full details regarding this program.
Your monthly car bonus can range from $100 to $500!
This Business Is Simple
Let the tools do
the work for you!
DVDs and CDs
The Bottom 10% Have Access To Legal Aid or Public Defender Target Customer $15-$25 Billion Market Pre-Paid Legal Services, Inc. gives middle income North Americans equal access to justice. The Target Market Is Huge Rich Poor Middle Class The Top 10% Have Or Can Afford Legal Access
Current Market Penetration This map illustrates Pre-Paid Legal Services ® , Inc.’s current market penetration. Percent of population based on households utilization of 2.5 household members per membership. Less than 1% penetration 1% to 3% penetration More than 3% penetration Plan not available
Timing Is Key
History shows that when an industry hits a 2% market penetration, critical mass can be achieved.
THE GROWTH OF HMO’S
It took 10 Years for HMO’s to reach 2% market penetration
After that, it took just seven more years to reach 52% market penetration
The Market Timing Is Perfect Less than 3% of North Americans have A Pre-Paid Legal Services membership Approximately 80% Of Europeans Have Legal Coverage Legal plans are the norm in Europe and have been around for over 70 years!
Timing Is Key The three major divisions of the insurance industry have already achieved billions in market share.
Timing MIKE MOORE: Former Attorney General Mississippi MIKE TURPEN: Former Attorney General Oklahoma GRANT WOODS: Former Attorney General Arizona ANDREW P. MILLER: Former Attorney General Virginia THOMAS J. DONOHUE: President & CEO, U.S. Chamber of Commerce HARRY C. ALFORD: P resident & CEO, National Black Chamber of Commerce BILL PAUL: Former American Bar Association President National Media Campaign
Now, it is time to show you how Pre-Paid Legal really works. We’re going to share with you real stories from real people who have been helped either by the membership, the business opportunity or both.
SMITH Grocer MUHAMMAD BellSouth DORSEY Landscaping RASMUSSEN Business Owner SELF Store Manager No Specific Experience Necessary PICKENS Military GARDNER Attorney BURGESS Social Worker MALLOY G.E.D. DENNE Custodian
Investment $49 basic program
Become a Member
Become an Associate
Plug into the Training
Action Steps Thank you for your time.
See You Next Week
We appreciate you being here . . .
Don’t miss our special guest speakers next week!
Gold Executive Director
Pre-Paid Legal Services, Inc.
This presentation is copyrighted material and may not be altered in any form under any circumstances. Alteration of this material in any way is a violation of the company’s policies and procedures and may result in immediate termination of your PPLSI Associate Agreement.
Marketed by Pre-Paid Legal Services, Inc . or applicable subsidiary:
Pre-Paid Legal Casualty SM , Inc.
In Tennessee: Pre-Paid Legal Services of Tennessee, Inc.
In Florida: Pre-Paid Legal Services, Inc., of Florida
In Virginia: Legal Service Plans of Virginia, Inc.
In Ohio: Ohio Access to Justice, Inc., administered by Pre-Paid Legal Services, Inc.