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Complete Overview of Prepaid Legal

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  • Tonight we’ll be going over ….
  • Let’s be honest, - most of you are in this room tonight because you’d like to better your financial situation – or maybe you’re earning plenty, but you’re ready to start having a life to be able to enjoy it.
  • Another major problem in our country today is Identity Theft – It is for sure the nation’s fastest growing crime. How many of you have either had ID Theft happen to you – or you know of someone it has happened to? (These days, almost everyone in the room raises their hand).And an age-old problem is lack of access to the legal system! Before we think of using an attorney, we usually consider how much is in our bank account first, right? What would it be like if you didn’t have to do that? If you could have an attorney for the everyday issues that we usually just live with? How many of the members in the room have used an attorney through their PPL membership in the last 3 months? (most will raise their hands). Guests, I promise you, this room is not filled with criminals! These are everyday people who are now able to use attorneys for their everyday life situations! I can’t wait to tell you about these services!So let’s get started!
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  • So the solution we are hearing about most in the media – is credit monitoring – right?How many of you have seen the commercials for credit monitoring?And YES, it is important – BUT – is it going to help you with:Driver’s license identity theft? XSoc. Sec. IDT? XMedical IDT? XChar/Crim. IDT? XFinancial – YES! It is important for this!
  • How would you like to have access to attorneys in each one of these cases?If you were pulled over for speeding and the officer looked up your license and found warrants out for your arrest and worse, would you like to be able to get an attorney on the line right then and there to advise you and perhaps even talk to the officer on your behalf? What a blessing that would be – just listen as we go over the legal plan and the Identity Theft plan in a minute.(go over each area in a similar fashion).
  • We definitely have the BEST ANSWER to the nightmares of Identity Theft –
  • Do you know many people who got wealthy working for someone else?If they did, did they have a life or did they work 80 hours a week?Most people have serious credit card debt – pay far more in taxes than the wealthy percentage wise.How can the everyday person truly become WEALTHY?<number>
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  • This is to be done quickly – Say – So let’s see if you might be qualified to start this business – Let’s look at some people and their backgrounds who have been very successful here, earning over 6 figures a year:Click for each picture and just say their name and background.…So you see, your background is not relevant here. It’s simply your DESIRE to change your financial future that matters.
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    1. 1. Pre-Paid Legal Services, Inc. and subsidiaries
    2. 2. Business Briefing Three Major Problems and  Needs The Best Answers  Opportunity and Timing  Action 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 Identity Theft Access to the legal system for Everyday Life Events
    5. 5. Five Areas to Evaluate The Company  The Need/ Marketplace  The Product  The Compensation  The Timing 
    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 ManyPublications Pre-Paid Legal was most recently featured in Success from Home magazine.
    8. 8. Sales History $450 $400 $350 $300 GROSS REVENUE $250 IN MILLIONS $200 $150 $100 2000 2001 2002 2003 2004 2005 2006 2007 $255 $303 $350 $361 $386 $423 $444 $457 Our sales history continues to improve as we move up and to the right each year.
    9. 9. It’s Not If, But When 100 100 M 75 M Million 50 M 37 25 M Million 0 Court Filings Hospitalizations in 2005** in 2005* 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
    10. 10. Have You Ever . . .  been overcharged for a repair?  tried to return a defective product?  received a traffic ticket?  lost a security deposit?  been audited?  signed a contract?  purchased a home?  prepared a Will?  worried about identity theft?
    11. 11. WhyDon’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 
    12. 12. 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.
    13. 13. 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
    14. 14. SixAreas of Coverage The Life Events Legal Plan:  Preventive Legal Services  Motor Vehicle Legal Services  Trial Defense Services  IRS Audit Legal Service  25% Preferred Member Discount  Legal Shield
    15. 15. Preventive Legal Services These services are available to you immediately when you enroll!  Phone consultation is available to you and your covered family members on an unlimited number of matters.  When your Provider Attorney feels it is in your best interest, a letter will be written or a phone call will be made on an unlimited number of personal issues for you and your family. 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.
    16. 16. Preventive Legal Services These services are available to you immediately when you enroll!  When you are faced with signing a contract, have your Provider Law Firm review it first! An unlimited number of personal contracts and documents that are 10 pages or less in length will be reviewed as a part of your membership.  Standard Will preparation and yearly updates are included for the member. Your spouse may have their Will prepared for no additional fee if requested within 60 days of purchasing the membership. After that time, your spouse may have their Will prepared, along with other 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.
    17. 17. Motor Vehicle Legal Services These services are available just 15 days after enrollment!  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  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. 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.
    18. 18. 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! 1 st year - 75 hours (17.5 pretrial/57.5 trial) 2 nd year - 140 hours (23 hours pretrial/117 trial) 3 rd year - 205 hours (28.5 pretrial/176.5 trial) 4 th year - 270 hours (34 pretrial/236 trial) 5 th 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.
    19. 19. 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.
    20. 20. 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*. Five business days advance notice is required for preparation in court representation. *Hourly rates for Referral Lawyers and court appearances may vary. 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.
    21. 21. Legal Shield 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. 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.
    22. 22. 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!
    23. 23. It’s No Secret IdentityTheft is A Major Problem In America  Do you hand your credit card to servers at restaurants?  Do you supply personal information over the internet?  Do you keep your Social Security 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?
    24. 24. Five Common Types of IdentityTheft Social Medical Characte Drivers Financi Securit r/ License al y Criminal Identity Theft is not just about credit cards! ID theft is an international crime and access to an attorney may be critical.
    25. 25. What is IdentityTheft? Whyare you at risk?  Utility Companies  Insurance Companies  Credit Card Records  Medical Records  Real Estate Records  Motor Vehicle Records  School Records  Military Records  Social Security Records  Banking Records  Employment Records  Postal Records  Purchasing Records  Tax Records  Leasing Records  Licensing Records Your Data is Out There
    26. 26. The Best Answer Is Credit Monitoring Alone the Solution?  Social Medical Character/ Drivers Financial Security Criminal Identity Theft License Identity Theft Identity Theft Identity Theft Identity Theft
    27. 27. 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 Social Medical Character/ Drivers Financial Security Criminal Identity Theft License Identity Identity Theft Identity Theft Identity Theft Theft
    28. 28. The Best Answer The Complete Wall of Security YOU Monitoring Services Life Events Legal Plan Restoration Services
    29. 29. 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
    30. 30. 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 SHIELD cases, such as: TM  Assisted the Kuwaiti government in with the Pre-Paid Legal Plan investigating Saddam Hussein’s financial network.  Responsible for the restructuring of Enron.
    31. 31. 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 regularlymonitored. 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.
    32. 32. Restoration Services If your identityis stolen, you need more than just information about how to restore your name and credit rating. As an IdentityTheft ShieldSM 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 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.
    33. 33. 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 IdentityTheft Shield can be added for an additional $9.95 per month. That’s less than the price of a bottle of water a day.
    34. 34. What’s in It For You? We need your help taking this service and opportunity to the marketplace.
    35. 35. The Opportunity How do people create 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
    36. 36. 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 2007 approximately  Servicing more than 1.5 million every 12 days a new family families. started earning a six-figure  Over 34,000 companies offer income working with PPL! the services as an employee  And approximately every 26 benefit. days a new family joins the Millionaire Club! And you can, too, bydoing three simple things!
    37. 37. Advanced Commissions - $35.95 ($26 PPL Family Plan + $9.95 Identity Theft Shield) Cumulative Team Override Personal Override Advance Advance Sales Advance 44.94 217.78 Executive 252.35 Director 34.57 172.84 207.41 Director 172.84 34.57 138.27 Manager 138.27 69.14 103.71 Senior Associate 34.57 69.14 34.57 Associate All you have to do is 34.57 Junior 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
    38. 38. Advanced Commissions - $26 Plan Cumulative Team Override Personal Override Advance Advance Sales Advance 32.50 157.50 Executive 182.50 Director 25.00 125.00 150.00 Director 125.00 25.00 100.00 Manager 100.00 50.00 75.00 Senior Associate 50.00 25.00 25.00 Associate 25.00 Junior 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 charged
    39. 39. Pre-Paid Legal Pays You EveryDay Commissions are paid daily by direct deposit!
    40. 40. Player’s Club Qualify for the Player’s Club and receive a Your monthlycar 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.
    41. 41. 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
    42. 42. No Specific Experience Necessary PICKENS DORSEY RASMUSSE MUHAMMA SMITH N Military Landscaping D Grocer Business Owner BellSouth BURGESS SELF DENNE GARDNER MALLOY Social Worker Store Manager Custodian Attorney G.E.D.
    43. 43. 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 Target Customer $1 5 -$2 5 Pre-Paid Legal Services, Inc. Billion Market gives middle income North America equal access to justice.
    44. 44. The Market Timing Is Perfect 100 % 75 % 50 % 25 % 0% Approximately Less than 3 % of 80% North Americans Of Europeans Have Have A Pre-Paid Legal Legal Coverage Services Membership
    45. 45. 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.
    46. 46. 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 1 0 Years for HMO’s 60% to 50% • reach 2 % market After that, it took just 40% penetration seven 30% more years to reach 5 2 % 20% market penetration 10% 0% 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17
    47. 47. 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
    48. 48. Timing Recent National Media Campaign 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: President & CEO, National Black Chamber of Commerce BILL PAUL: Former American Bar Association President
    49. 49. 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.
    50. 50. Investment OR $49 BASIC PROGRAM
    51. 51. Investment As a FASTSTART Associate you receive: BUILDERSPACK: ’  Applications  Brochures  3 months FREE enhanced website Help one person  3 months FREE Televox start their  1 Getting Started Right Book business and sell  3 Training CDs ten $35.95  3 Recruiting DVDs  1 Recruiting CD memberships = $1,382.70 Special Executive Director support and guidance to launch your business!
    52. 52. Action Steps Become a Member  Become an Associate  Plug into Your Area Events  Thank you for your time.
    53. 53. 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!
    54. 54. Pre-Paid Legal Services, Inc. This presentation is copyrighted material and may not be altered in anyform under any circumstances. Alteration of this material in anyway is a violation of the companys ’ 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. ©1999 Pre-Paid Legal Services, Inc. 1.09