$26 Canadian Life Events Legal Plan


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Due to the variations in plan benefits and membership fees as well as other regulatory requirements, this presentation is to be used only in Canada.

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$26 Canadian Life Events Legal Plan

  1. 1. PPL Le ga l Ca re o f Ca na da Co rpo ra tio n
  2. 2. Business Briefing  Three Ma jo r Pro ble m s and Ne e ds  The Be s t Ans we rs  Oppo rtunity and Tim ing  Ac tio n Steps
  3. 3. First Major Problem Most people today have the same complaint – they don’t have enough money and they have no time freedom. Expenses are escalating. Everyday items are much more expensive today than just one year ago. Credit Cards  Taxes  Loans  Mortgages  College Taxes  Car loans  Taxes  Insurance  Cell Phones Gasoline  Taxes  Etc.
  4. 4. Second and Third Major Problems Ide ntity The ft Ac c e s s to the le ga l s ys te m fo r Eve ryda y Life Eve nts
  5. 5. Five Areas to Evaluate  The Co m pa ny  The Ne e d / Ma rke tpla c e  The Pro duc t  The Co m pe ns a tio n  The Tim ing
  6. 6. The Company  Has been in business for more than 30 years  Is a public company since 1976 (NYSE:PPD)  Began with a serious auto accident . Harland C. Stonecipher Founder, Chairman , & CEO
  7. 7. Pre -Paid Legal Featured in Many Publications Pre-Paid Legal was most recently featured in Success from Home magazine.
  8. 8. Sales History GROSS REVENUE IN MILLIONS $475 $450 $425 $400 $375 $350 $325 $300 2001 2002 2003 2004 2005 2006 2007 2008 $303 $350 $361 $386 $423 $444 $457 $464 Our sales history continues to improve as we move up and to the right each year.
  9. 9. 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?  worried about identity theft?
  10. 10. Why Don ’t People Call Attorneys The Main Reasons People Don ’t Seek Legal Counsel:  They are intimidated by lawyers.  They don’t know who to call.  They believe it would cost too much. The Most Common Responses to a Legal Dispute Are to :  Ignore the problem  Try to handle it personally
  11. 11. What Do We Do Simply put a Pre -Paid Legal membership does for lawyer and legal bills what medical insurance does for doctor and hospital bills.
  12. 12. Who Is Covered ? The Pre -Paid Legal membership covers : 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
  13. 13. Areas of Coverage The Life Events Legal Plan :  Preventive Legal Services  25% Preferred Member Discount
  14. 14. Preventive Legal Services These services are a vailable to you im mediately when you enroll!  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  Powers of Attorney Preparation** 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.
  15. 15. Preventive Legal Services (continued )  Letters written on your behalf or preventive phone ca lls ma de to help you with warranty issues  Review of leases and other documents  Assistance in contacting government agencies  Debt collection review and advice  Tenant review and advice  Small claims court advice  Consumer protection benefits  Legal Advice on matters relating to social assistance  Legal Advice on settlement of an estate
  16. 16. 25% Preferred Member Discount Your Provider Law Firm will render assistance at a preferred rate which is 25% less the normal hourly rate for legal services not otherwise covered by the membership. Even pre-existing matters can be covered under this portion of the plan! You will receive a 33.3% discount off your Provider Law Firm’s standard hourly rate for representation should you need legal services that must be performed outside of a lawyer’s office. * Five business days advance notice is required for preparation in court representation. *Hourly rates for Referral Lawyers and court appearances may vary. Preferred Member Discount: Hourly rates for Provider Law Firms and court appearances may vary. Please note that a retainer may be required for services to be rendered under this benefit. At least five business days are required for preparation in court representation. Telephone advice is available immediately.
  17. 17. 25% Preferred Member Discount - continued Should you require assistance of a lawyer in the United States, on a retainer basis, simply contact your Provider Law Firm. They will arrange a referral to an appropriate United States lawyer. You will be entitled to a 25% discount off that lawyer’s standard hourly rate for the services provided. A retainer will normally be required for services to be rendered under this benefit. Five business days advance notice is required for preparation in court representation. 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.
  18. 18. Assistance If Arrested Or Detained The benefit 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 membership 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 lawyer. It’s that easy. This benefit 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.
  19. 19. How Much Will It Cost ? Well, with a Life Events Legal Plan 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!
  20. 20. It ’s No Secret Identity Theft is A Major Problem In North America  Do you hand your credit card to servers at restaurants?  Do you supply personal information over the internet?  Do you keep your Social Insurance number in your wallet or purse?  Do you leave mail at your home or business for the postal carrier to collect?  Do you throw away unwanted mail with personal information without shredding it first?
  21. 21. Five Common Types of Identity Theft Drivers Social Medical Characte Financi License Insuranc r/ al e Criminal Identity Theft is not just about credit cards! Identity theft is an international crime and access to an lawyer may be critical.
  22. 22. What is Identity Theft ? Why are you at risk ?  Utility Companies  Insurance Companies  Credit Card Records  Medical Records  Real Estate Records  Motor Vehicle Records  School Records  Military Records  Social Insurance Records  Banking Records  Employment Records  Postal Records  Purchasing Records  Tax Records  Leasing Records  Licensing Records Yo ur Da ta is Out The re
  23. 23. The Best Answer Is Credit Monitoring Alone the Solution ?      Drivers Socia l Medical Character/ Financial License Insura nce Identity Theft Crim inal Identity Theft Identity Theft Identity Theft Identity Theft
  24. 24. The Best Answer  Restorative  Restorative  Restorative  Restorative  Restorative Services Services Services Services Services  Life Events  Life Events  Life Events  Life Events  Life Events Legal Plan Legal Plan Legal Plan Legal Plan Legal Plan Drivers Social Medical Character/ Financial License Insura nce Identity Theft Crim inal Identity Theft Identity Theft Identity Theft Identity Theft
  25. 25. The Best Answer The Co m ple te Wa ll o f Se c urity YOU Monitoring Services Life Events Legal Plan Restoration Services
  26. 26. The Best Answer 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. IDentity Theft SHIELD TM with the Pre-Paid Legal Plan
  27. 27. 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 IDentity Theft cases, such as: SHIELD TM  Assisted the Kuwaiti government in with the Pre-Paid Legal Plan investigating Saddam Hussein’s financial network.  Responsible for the restructuring of Enron.
  28. 28. Expedited Consumer Credit Disclosure A Consumer Credit Disclosure will help you to make sure your financial records are accurate. You can receive a copy of your current consumer credit disclosure and we’ll help you obtain it at no additional charge.
  29. 29. Expedited Delivery of Consumer Credit Disclosures Quarterly You will be provided easy to use forms to request your consumer credit disclosure one every three months. By ordering your consumer credit disclosure quarterly, you will be actively involved in helping to monitor your own credit information. Learning of suspicious activity before it ruins your credit is crucial. Your credit file will be provided to you free of charge by the credit bureau as required by provincial credit reporting legislation. This product offers assistance for you to request your consumer credit file disclosure as an additional benefit of the service. No purchase is necessary to obtain your credit file disclosure from the credit bureau.
  30. 30. Restoration Services 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 information you may not have known about. 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 lawyer 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.
  31. 31. How Much Will Peace of Mind Cost ? With the 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. That’s less than the price of a bottle of water a day.
  32. 32. What ’s in It For You ? We need your help taking this service and opportunity to the marketplace.
  33. 33. The Opportunity Ho w do pe o ple c re a te WEALTH? Work for someone else? Get a second job? A third job? Escalating Expenses •Credit Cards •Car loans •Taxes •Taxes •Loans •Insurance •Mortgages •Cell Phones •College •Gasoline •Taxes •Taxes
  34. 34. Two Goals • Sign up every family for 2. Create more the Life Events Legal millionaires than any Plan and Identity Theft other company Service PPL TRACK RECORD: PPL TRACK RECORD:   In 2008 approximately Servicing more than 1.5 million families. every 12 days a new family  Over 34,000 companies offer started earning a six-figure the services as an employee income working with PPL!  And approximately every benefit. 24 days a new family joins the Millionaire Club! And you can , too, by doing three simple things !
  35. 35. Advanced Commissions - $ 35.95 ($26 PPL Family Plan + $9.95 Identity Theft Shield) Personal Team Override Cumulative Sales Advance Advance Override Advance Executive 252.35 44.94 217.78 Director Director 207.41 34.57 172.84 Manager 172.84 34.57 138.27 Senior 138.27 69.14 103.71 Associate Associate 69.14 34.57 34.57 All you have to do is Junior 34.57 collect: $35.95 1st Month's fee Associate + $10.00 One Time Enrollment $45.95 Want to earn higher commissions immediately? If your first activity is to recruit a new Junior Associate AND sell that person a membership, you will immediately advance to Associate level and receive the Associate level advance on that sale! Commission amounts shown represent advances. If a membership cancels during the advance period, you will be charged
  36. 36. Advanced Commissions - $ 26 Plan Personal Team Override Cumulative Sales Advance Advance Override Advance Executive 182.50 32.50 157.50 Director Director 150.00 25.00 125.00 Manager 125.00 25.00 100.00 Senior 100.00 50.00 75.00 Associate Associate 50.00 25.00 25.00 Junior 25.00 All you have to do is collect: $26.00 1st Month's fee Associate + $10.00 One Time Enrollment $36.00 Want to earn higher commissions immediately? If your first activity is to recruit a new Junior Associate AND sell that person a membership, you will immediately advance to Associate level and receive the Associate level advance on that sale! Commission amounts shown represent advances. If a membership cancels during the advance period, you will be
  37. 37. Pre -Paid Legal Pays You Every Day Commissions are paid daily by direct deposit!
  38. 38. Player’s Club Qualify for the Player’s Club and receive a Your monthly car bonus can monthly car range from $ 100 to $ 500! bonus! *The program requires additional requirements to be met. Review the Player’s Club flier for full details regarding this program.
  39. 39. This Business Is Simple Let the tools do the work for you !  Hand Outs  Brochures  DVDs and CDs  Mail Outs  Calls  Recordings  Website  Third-party validations
  40. 40. No Specific Experience Necessary PICKENS RAS MUS S E DORS EY MUHAMMA S MITH Military N Landscaping D Grocer Business Owner BellSouth DENNE MALLOY GARDNER BURGES S SELF Custodian G.E.D. lawyer Social Worker Store Manager
  41. 41. The Target Market Is Huge The Top 10% Have Or Can Afford Legal Access The Bottom 10% Have Access To Legal Aid or Public Defender Ta rg e t Cus to m e r $ 1 5 -$ 2 5 Pre-Paid Legal Services, Inc. Billio n Ma rke t gives middle income North America equal access to justice.
  42. 42. The Market Timing Is Perfect 100 % 75 % 50 % 25 % 0 % Le s s tha n 3 % o f Appro xim a te ly No rth Am e ric a ns 80% Ha ve Of Euro pe a ns A Pre -Pa id Le g a l Ha ve Se rvic e s Le g a l Co ve ra g e Me m be rs hip
  43. 43. Current Market Penetration Less than 1% penetration 1% to 3% penetration More than 3% penetration Plan not available 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.
  44. 44. Timing Is Key History shows that when an industry hits a 2% market penetration, critical mass can be achieved. THE GROWTH OF HMO’S • 60% It to o k 1 0 Ye a rs fo r HMO’s 50% to • re a c h 2 % m a rke t 40% Afte r tha t , it to o k jus t pe ne tra tio n 30% s e ve n m o re ye a rs to re a c h 5 2 % 20% m a rke t pe ne tra tio n 10% 0% 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17
  45. 45. Timing Is Key The three major divisions of the insurance industry have already achieved billions in market share. 100 90 80 70 60 50 40 30 20 10 0 LIFE AUTO HEALTH LEGAL
  46. 46. Success Stories 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.
  47. 47. Investment OR $ 49 BASIC PROGRAM
  48. 48. Investment As a FASTSTART Associate you receive: BUILDER’S PACK:  Applications  Brochures  3 months FREE enhanced website Help one person  3 months FREE Televox start their  1 Getting Started Right Book business and  3 Training CDs sell ten $35.95  3 Recruiting DVDs memberships =  1 Recruiting CD $1,382.70 Special Executive Director support and guidance to launch your business!
  49. 49. Action Steps  Become a Member  Become an Associate  Plug into Your Area Events Thank you for your time.
  50. 50. See You Next Week Tonight ’s event was great , and we appreciate your being here . . . but next week will be even better. Don’t miss our special guest speaker! Be sure to write it down because you definitely want to be here. And be sure to bring people with you!
  51. 51. 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 CasualtySM, 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 Canada: PPL Legal Care of Canada Corporation ©1999 Pre-Paid Legal Services, Inc. 4.09