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$24 New York Life Events Legal Plan
- 1. Pre -Pa idLe ga l Se rvic e s , Inc . a nd s ubs idia rie s
- 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. First Major Problem Mostpeople 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. Second and ThirdMajor 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. Five Areas toEvaluate 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. The Company Hasbeen 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. Pre -Paid LegalFeatured in Many Publications Pre-Paid Legal was most recently featured in Success from Home magazine.
- 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. It ’s NotIf, But When 102 100 M 75 M Million 50 M 25 M 37 Million 0 Hospitalizations Court Filings in 2006* in 2006** You are more than twice as likely to be in court than you are to be hospitalized! * American Hospital Association, 2006 Annual Survey ** Examining the Work of State Courts, Court Statistics Project 2007
- 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. Why Don ’tPeople 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. What Do WeDo Simply put a Pre -Paid Legal membership does for attorney and legal bills what medical insurance does for doctor and hospital bills.
- 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. Seven Areas ofCoverage The Life Events Legal Plan : Preventive Legal Services Motor Vehicle Legal Services Trial Defense Services IRS Audit Legal Service Contingency Fee Services 25% Preferred Member Discount Legal Shield
- 15. Preventive Legal Services These services are a vailable to you im mediately when you enroll! Phone consultation on an unlimited number of matters Up to three letters or phone calls made on your behalf on 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. 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. Preventive Legal Services(continued ) Warranty assistance Review of leases and other documents Assistance in contacting government agencies Living Will preparation Health Care Proxy Debt collection review and advice
- 17. Preventive Legal Services(continued ) Personal financial alternatives review - Personal/joint bankruptcy - Out-of-court arrangements - Out-of-court settlements Tenant review and advice Small claims court advice Consumer protection benefits
- 18. Preventive Legal Services(continued ) Legal advice in matters relating to Social Security, Medicare and Veteran’s Benefits Legal advice on settlement of estate
- 19. Motor Vehicle LegalServices These services are a vailable just 15 days a fter enrollment ! Call your Provider Law Firm immediately when you or a covered family member is charged with a traffic violation which results in points being assessed for a fee of $25 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 at a rate of $50 per case 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.
- 20. Trial Defense Services Ifyou or your spouse face a civil suit or job-related criminal charges, you will be represented by your Provider Lawyer if either of you is named defendant or respondent in a covered civil or job-related criminal action filed in court. You’ll receive representation under this benefit for $49 per hour for covered suits. 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.
- 21. IRS Audit LegalServices Consultation will be provided at a rate of $49 per hour when you are notified in writing of an audit by the IRS 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.
- 22. Contingency Fee Services Personalinjury claim review and evaluation and recommendation will be provided on a contingency fee basis if your Provider Lawyer agrees you have a case worth pursuing. The Provider Lawyer will be paid only a percentage of what you ultimately collect. The Provider Lawyer fee will not exceed 25% in a personal injury case.
- 23. 25% Preferred MemberDiscount 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.
- 24. Legal Shield The LegalShield 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.
- 25. How Much WillIt Cost ? Well, with a Pre -Paid Legal membership you receive all this for only $24 a month! Isn't your family worth it? That's less than the price of a cup of coffee a day!
- 26. It ’s NoSecret Identity Theft 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?
- 27. Five Common Typesof Identity Theft Drivers Social Medical Characte Financi License Securit r/ 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.
- 28. What is IdentityTheft ? 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 Security Records Banking Records Employment Records Postal Records Purchasing Records Tax Records Leasing Records Licensing Records Yo ur Da ta is Out The re
- 29. The Best Answer IsCredit Monitoring Alone the Solution ? Drivers Socia l Medical Character/ Financial License Security Identity Theft Crim inal Identity Theft Identity Theft Identity Theft Identity Theft
- 30. 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 Security Identity Theft Crim inal Identity Theft Identity Theft Identity Theft Identity Theft
- 31. The Best Answer The Co m ple te Wa ll o f Se c urity YOU Monitoring Services Life Events Legal Plan Restoration Services
- 32. 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
- 33. 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.
- 34. 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.
- 35. Restoration Services If youridentity 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 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.
- 36. How Much WillPeace 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. That’s less than the price of a bottle of water a day.
- 37. What ’s inIt For You ? We need your help taking this service and opportunity to the marketplace.
- 38. The Opportunity Ho wdo 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
- 39. Two Goals • Signup 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 !
- 40. Advanced Commissions -$ 33.95 ($24 PPL Family Plan + $9.95 Identity Theft Shield) Personal Team Override Cumulative Sales Advance Advance Override Advance Executive 238.32 42.44 205.69 Director Director 195.88 32.65 163.25 Manager 163.23 32.65 130.60 Senior 130.58 65.30 97.95 Associate Associate 65.30 32.65 32.65 All you have to do is Junior 32.65 collect: $33.95 1st Month's fee Associate + $10.00 One Time Enrollment $43.95 Want to earn higher commissions immediately? If your first activity is to recruit a new Junior Associate AND sell that person a membership, you will immediately advance to Associate level and receive the Associate level advance on that sale! Commission amounts shown represent advances. If a membership cancels during the advance period, you will be
- 41. Advanced Commissions -$ 24 Plan Personal Team Override Cumulative Sales Advance Advance Override Advance Executive 168.47 30.00 145.40 Director Director 138.47 23.08 115.40 Manager 115.39 23.08 92.32 Senior 92.31 46.16 69.24 Associate Associate 46.16 23.08 23.08 Junior 23.08 All you have to do is collect: $24.00 1st Month's fee Associate + $10.00 One Time Enrollment $34.00 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
- 42. Pre -Paid LegalPays You Every Day Commissions are paid daily by direct deposit!
- 43. 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.
- 44. This Business IsSimple Let the tools do the work for you ! Hand Outs Brochures DVDs and CDs Mail Outs Calls Recordings Website Third-party validations
- 45. No Specific ExperienceNecessary 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. Attorney Social Worker Store Manager
- 46. The Target MarketIs 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.
- 47. The Market TimingIs 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
- 48. 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.
- 49. Timing Is Key Historyshows 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
- 50. Timing Is Key Thethree 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
- 51. Timing Recent National Media Campaign MIKEMOORE: 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 HARRYC. ALFORD: President & CEO, National Black Chamber of Commerce BILL PAUL: Former American Bar Association President
- 52. 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.
- 53. Investment OR $ 49 BASIC PROGRAM
- 54. 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 $33.95 3 Recruiting DVDs memberships = 1 Recruiting CD $1,305.80 Special Executive Director support and guidance to launch your business!
- 55. Action Steps Become a Member Become an Associate Plug into Your Area Events Thank you for your time.
- 56. See You NextWeek 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!
- 57. Pre -Paid LegalServices , 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. ©1999 Pre-Paid Legal Services, Inc. 4.09