PPL Legal Care of Canada

Corporation
Business Briefing

 Three Major Problems and

Needs
 The Best Answers
 Opportunity and Timing
 Action Steps
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.
 Second and Third Major
Problems

Identity Theft

Access to the legal

system
for Everyday Life Events
Five Areas to Evaluate

 The Company
 The Need/Marketplace
 The Product
 The Compensation
 The Timing
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
Pre-Paid Legal Featured in Many
Publications

Pre-Paid Legal was most recently

featured in Success from Home
magazine.
Sales History
GROSS REVENUE
IN MILLIONS

$475
$450
$425
$400
$375
$350
$325 $303 $350 $361 $386 $423 $444 $457
$464
$300
Our sales history continues to improve as we move up and to the right each
year.
2001 2002 2003 2004 2005 2006 20
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?
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
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.
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
Areas of Coverage

The Life Events Legal Plan:

 Preventive Legal Services

 25% Preferred Member
Discount
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

 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.
Preventive Legal Services
(continued)
 Letters written on your behalf or preventive phone calls
made 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
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
Preferred Member Discount: Hourly rates for Provider Law Firms and court appearances may vary. Please note that a retainer may be required for services
may vary.
to be rendered under this benefit. At least five business days are required for preparation in court representation. Telephone advice is available
immediately.
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.
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.
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!
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?
 Five Common Types of Identity
Theft

Drivers Social Medica Charact Financ

License Insuran l er/ ial
ce Criminal

Identity Theft is not just about credit cards! Identity

theft is an international crime and access to an lawyer
may be critical.
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

Your Data is Out There

The Best Answer

Is Credit Monitoring Alone the

Solution?

    
Drivers Social Medical Character/ Financial
License Insurance Identity Criminal Identity
Identity Identity Theft Identity Theft Theft
Theft Theft
 The Best Answer


Restorative

Restorative

Restorative

Restorative

Restorative
Services Services Services Services Services

Life
Life
Life
Life
Life
Events Events Events Events Events
Legal Plan Legal Plan Legal Plan Legal Plan Legal Plan

Drivers Social Medical Character/ Financial

License Insurance Identity Theft Criminal Identity
Identity Identity Identity Theft Theft
Theft Theft
The Best Answer

The Complete Wall of Security

YOU
Monitoring
Services

Life Events
Legal Plan
Restoration
Services
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 IDentity Theft
crime occurs.
SHIELD
TM

with the Pre-Paid Legal Plan

The Best Answer

Kroll is the world’s

leading risk consulting
company with more
than 30 years of
experience. Kroll has IDentity Theft
been involved in many
SHIELD
TM

notable cases, such as:

with the Pre-Paid Legal Plan
 Assisted the Kuwaiti
government in investigating
Saddam Hussein’s financial
network.

 Responsible for the

restructuring of Enron.
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.
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.
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
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.
This benefit applies to you, your spouse and any dependent children up
to the age of 18.

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.
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.
What’s in It For You?

We need your help

taking this service
and opportunity to
the marketplace.
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
Two Goals

1. Sign up every 2. Create more

family for 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.
millionaires than
any other company
PPL TRACK RECORD:
 In 2008 approximately
every 12 days a new
family started earning
a six-figure income
working with PPL!
 And approximately
every 24 days a new
family joins the
Millionaire Club!

And you can, too, by doing three simple

things!
Advanced Commissions - $35.95
($26 PPL Family Plan + $9.95 Identity Theft
Shield) Personal Team Cumulative
Sales Override Override
Advance Advance 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!
Advanced Commissions - $26
Plan
Personal Team Cumulative
Sales Override Override
Advance Advance 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!
Pre-Paid Legal Pays You Every
Day

Commissions are paid daily by direct deposit!

 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.
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
 and now . . .
Viral Marketing Tool
Marketing experts believe the most valuable ad placement today is on
someone's internet home page.
Through a partnership with blastoff, Pre-Paid Legal Services, Inc. now
has the opportunity to expose individuals to their services through
potentially millions of homepages.
FREE... FUN... EASY...
They shop, they save. You earn, and you market PPL.
No Specific Experience Necessary

PICKENS RASMUSS DORSEY MUHAMM SMITH

Military EN Landscaping AD Grocer
Business BellSouth
Owner

DENNE MALLOY GARDNER BURGESS SELF

Custodian G.E.D. lawyer Social Worker Store Manager
The Target Market Is Huge

The Top 10%

Have
Or Can Afford
The Bottom 10% Legal Access
Have Access To
Legal Aid or
Public Defender

Target
Customer
Pre-Paid Legal Services, Inc.$15-$25
gives middle income North
America equal access to Billion Market
justice.
The Market Timing Is Perfect

100 %

75 %

50 %

25 %

0%
Less than 3% of Approximately
North Americans 80%
Have Of Europeans
A Pre-Paid Legal Have
Services Legal Coverage
Membership
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.

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 took 10 Years for
HMO’s to
50%
reach 2% market
40% •After that, it took just
penetration
seven
30%
more years to reach
20% 52%
market penetration
10%

0%
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17
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
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.
Investment

O
R
$49 BASIC
PROGRAM
 Investment

As a FAST START Associate you

receive:
BUILDER’S PACK:
 Applications
 Brochures
 3 months FREE enhanced
Help one
website
person start  3 months FREE Televox
their business  1 Getting Started Right Book
and sell ten  3 Training CDs
$35.95  3 Recruiting DVDs
 1 Recruiting CD
memberships
= Special Executive Director support
and guidance to launch your business!

$1,382.
Action Steps

 Become a Member
 Become an Associate
 Plug into Your Area
Events

Thank you for your time.

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!
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