Transcript PrepaidLegalStd - Beneflex Financial Group

Pre-Paid Legal
®
Services , Inc.
and Subsidiaries
THE
THECOMPANY
COMANY

Over 30 Years In Business

Began With A Serious Auto Accident

Public Company Since 1976 (NYSE:PPD)
Harland C. Stonecipher
Founder, Chairman,
and CEO
THE COMPANY
Pre-Paid Legal Has Been Featured in Many
Major Publications
THE NEED/MARKETPLACE
100 M
93
75 M
Million
50 M
25 M
0
36
Million
Hospitalizations
in 2002*
Court Filings
in 2002**
You Are More Than Twice As Likely To Be In
Court Than You Are To Be Hospitalized!
* Hospital Statistics, American Hospital Association, 2002 Edition ** Examining the Work of State Courts, 2002
THE NEED/MARKETPLACE
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?
THE NEED/MARKETPLACE
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

THE PRODUCT
What Do We Do?
Simply put, a Pre-Paid Legal Plan does for attorney an
legal bills what an medical insurance does for doctor
and hospital bills.
THE PRODUCT
Who Is Covered By The
Pre-Paid Legal Membership?
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 PRODUCT
Five Areas of Coverage - Standard Family Plan
25%
Preventive
Legal
Services
Motor
Vehicle
Legal
Services
Trial
Defense
Services
IRS Audit
Legal
Services
Other
Legal
Services
THE PRODUCT
I. Preventive Legal Services
These services are available to you immediately 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 and Yearly Updates
Included for the Member, Available to Covered Family
Members for an Additional $20
UNDER TITLE I: A letter or phone call per subject matter is available if advisable in your Provider Attorney’s sole discretion. Nevada residents
limited to 50 hours of telephone consultation per year and five personal legal documents reviewed per year. In New York, these benefits are
provided at a reduced fee. Check benefit availability in your state/province.
THE PRODUCT
II. 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.
UNDER TITLE II: Representation under this benefit is provided as a result of the operation of a properly licensed motor vehicle. Your membership
helps you with the cost of representation for moving traffic violations and defense of motor vehicle related criminal charges. You are responsible
for any court costs, fines, and related fees. Pre-existing conditions, charges of DUI/DWI, hit and run, drug-related matters, and unmeritorious
cases are excluded. Commercial vehicles with more than two axles are not covered. In New York, these benefits are provided at a reduced
fee. Check benefit availability in your state/province.
THE PRODUCT
III. Trial Defense
If you or your spouse face a civil suit or job-related criminal
charges, your Provider Law Firm will provide up to 60 hours
of service - at no added cost - to defend you. Additional pretrial and trial services are available at a 25% discount from
the Firm’s standard hourly rate.
The longer you keep your membership in force, the more
valuable it becomes!
1st year - 60 hours (2.5 pretrial hours/57.5 trial hours)
2nd year - 120 hours (3 hours pretrial/117 trial hours)
3rd year - 180 hours (3.5 pretrial hours/176.5 trail hours)
4th year - 240 hours (4 pretrial hours/236 trial hours)
5th year - 300 hours (4.5 pretrial hours/295.5 trial hours)
UNDER TITLE III: Trial Defense Services cover the member and spouse for covered civil actions or for criminal actions which arise out of the performance of the
covered person’s employment responsibilities. Not covered are dissolution of marriage, separation, annulment, child custody or other divorce-related matters,
bankruptcy, charges of DUI/DWI, or drug-related matters. Acts or matters occurring prior to the membership that give rise to a lawsuit even though the lawsuit
may be filled after enrollment are excluded as pre-existing conditions. You may use your 25% discount and the unlimited toll-free consultation benefit for any
of these exclusions. In New York, these benefits are provided at a reduced fee. Check benefit availability in your state/province.
THE PRODUCT
IV. Federal Tax Audit Legal Services
Up to 50 hours of Provider Law Firm services
once you receive written notice from the IRS that
you are being audited or if you are requested to
appear at the IRS office regarding your tax
return.
Coverage for this service begins with the tax
return due April 15th of the year you enroll.
UNDER TITLE IV: This portion of the plan does not cover audits of Schedule C only, charges of tax fraud or evasion, corporate, trust, or business
returns. In New York, these benefits are provided at a reduced fee. Check benefit availability in your state/province.
THE PRODUCT
V. Other Legal Work
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!
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.
UNDER TITLE V: 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.
THE PRODUCT
Legal Shield
The Legal Shield gives you and your family 24-hour access to legal
consultation if you are detained, for only $1 a month - as an
additional benefit to your Family Plan membership.
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 about your detainment.
It’s that easy.
The Legal Shield service 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 the member is being detained for outstanding warrants. Check benefit availability in your state.
THE PRODUCT
What Do You Think This Would Cost
Well, with a Pre-Paid Legal membership you receive all of
this for only $15.95 a month! Isn't your family worth it?
That's less than the price of a cup of coffee a day!
THE PRODUCT
Identity Theft Shield
"America's fastest Growing Crime"
In September 2003, the Federal Trade Commission issued
a report on the impact of Identity Theft in the United
States and the numbers are alarming:
♦ 27.3 million victims - last 5 years
♦ 9.9 Million victims in 2002 alone
♦ $53 Billion in losses
And what’s worse, new records are expected this year.
THE PRODUCT
IT’S NO SECRET:
Identity Theft is a major problem in America.
q Do you hand your credit card to servers at restaurants?
q Do you supply personal information over the internet?
q Do you keep your Social Security number in your wallet or purse?
q Do you leave mail at your home or business for the postal carrier
to collect?
q Do you throw away unwanted mail with personal information
without shredding it first?
THE PRODUCT
PPL Launches the Identity Theft Shield Through Kroll, Inc.
Kroll Background America is the world’s leading risk
consulting company:
♦ Publicly traded on the NASDAQ
♦ Over 30 years in business
They have been involved in many notable cases:
♦ Assisted the Kuwaiti government in investigating Saddam
Hussien's financial network
♦ Responsible for the restructuring of Enron
♦ Played an instrumental role in the lives saved during the
September 11, 2001 World Trade Center tragedy
THE PRODUCT
Credit Report
You’ll receive an up-to-date credit report through
Experian at no additional charge with your membership.
You will also receive a personal credit score calculated by
an independent scoring service and a detailed analysis of
that score.
Continuous Credit Monitoring
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…
THE PRODUCT
Identity Restoration
• If your identity is stolen, get more than just information about
how to restore your name and credit rating. As an Identity Theft
Shield 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.
THE PRODUCT
How much is this peace of mind going to cost?
The value of these services is priceless, but we had to
put a price tag on it.
Only $9.95 a month, in addition to your PPL
membership, both you and your spouse receive the
benefits of the Identity Theft Shield.
This membership is also available as a stand-alone
product for just $12.95/month.
PRE-PAID LEGAL
Success Stories
PRE-PAID LEGAL
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:
In Tennessee: Pre-Paid Legal Services of Tennessee, Inc.
In Florida: Pre-Paid Legal Services, Inc., of Florida
In Mississippi: National Pre-Paid Legal Services of Mississippi, Inc.
In Virginia: Legal Service Plans of Virginia, Inc.
In Ohio: Ohio Access to Justice, Inc., administered by Pre-Paid Legal Services®, Inc.
©1999 Pre-Paid Legal Services, Inc.
02.04