Opportunity

1
Pre-Paid Legal Services, Inc.and subsidiaries
2
Business Briefing

• Three Major Problems Needs
• facing millions of families/individuals across
  North America
• The Best Answers/Solutions
• we have found for these problems through our
  company
• Opportunity and Timing
• if you would like to position yourself for profit
• Action Steps
• for those who choose to take advantage of this
  information

3
First Major Problem
Most people today have the same complaints

Lack of TIME
Lack of MONEY
Expenses are escalating. Everyday items are much
more expensive today than just one year ago.
Credit Cards n Taxes n Loans n Mortgages n
CollegeTaxes n Car loans n Taxes n Insurance n
Cell PhonesGasoline n Taxes n Etc.
4
Second and Third Major Problems
THE NUMBER ONE FASTEST GROWING WHITE COLLAR
CRIME INAMERICAN HISTORY -Federal Trade
Commissions (FTC)
Identity Theft
Access to the legal system for Everyday Life
Events
Attorney fees 200 300 400 --------- PER HOUR
Average Wages 13 -------- PER HOUR
SCALES OF JUSTICE ARE NOT BALANCED
5
Five Areas to Evaluate
The Company The Need/Marketplace The Product
The Compensation The Timing
6
The Company

• Pre-Paid Legal Services, Inc
• And Subsidiaries

7
The Company

• Has been in business for more than 37 years
• Is a public company since 1976 (NYSEPPD)
• Focused on Integrity Customer Satisfaction
• Began with a serious auto accident.

Harland C. Stonecipher Founder, Chairman, CEO
8
Pre-Paid Legal Featured in Many Publications

• Pre-Paid Legal was recently featured in Success
  from Home magazine.

9
Pre-Paid Legal Featured in Many Publications
Best 15-Year Stock Gain!
Firms, investors tend to prosper with founders at
the helm
Harland Stonecipher Pre-Paid Legal
Services4,302
John Sperling, Apollo Group, 6,340
Jeff Bezos, Amazon.com. 4,381
August 22, 2007
10
Sales History
16 Consecutive Quarters of Record Growth
GROSS REVENUE IN MILLIONS
303 350 361 386 423
444 457 464
Our sales history continues to improve as we move
up and to the right each year.
11
Its Not If, But When
200 M150 M 100 M 50 M 0
200 Million
163 Million
100 Million
37 Million
AnnualFiling Parties
Annual Hospitalizations
Annual Court Filings
Data breaches

• You are more than five times as likely to be in
  court, and you are more than four times as
  likely to have your identity stolen than you are
  to be hospitalized!!!
• American Hospital Association, 2006 Annual
  Survey
• Examining the Work of State Courts, Court
  Statistics Project 2007
• http//www.privacyrights.org/ar/ChronDataBreach
  es.htm

12
Have You Ever . . .

• been treated unfairly
• been overcharged for a repair?
• tried to return a defective product?
• received a traffic ticket?
• lost a security deposit?
• been audited by the IRS?
• signed a contract?
• purchased a home?
• prepared a Will?
• had a serious legal question?
• worried about identity theft?
• been sued or wanted to sue?

13
Why Dont People Call Attorneys
The Main Reasons People Dont Seek Legal Counsel

• They are intimidated by lawyers.
• They dont 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

14
What Do We Do
EQUAL JUSTICE UNDER LAW EQUAL ACCESS TO THE
TOP-QUALITY LAW FIRMS NATIONAL WIDE
Here in UTAH
Is an established firm extensively investigated
by Pre-Paid Legal in good standing with Utah
State Bar Association service philosophy
consistent with the high standards of Pre-Paid
Legal Understands and empathizes with your legal
problems Will provide you courteous and
professional service Considers you their largest
client in most cases Consistently receives
"excellent" to "very good" overall ratings from
others
THROUGH YOUR PRE-PAID LEGAL MEMBERSHIP
15
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.
16
Who Is Covered?
The Pre-Paid Legal membership (LIFE EVENTS LEGAL
PLAN)covers

• The Member
• The Members Spouse
• Never Married Dependent Children
• Under 21 Living At Home
• Dependent Children Under Age 18
• For Whom The Member Is Legal Guardian
• Full Time College Students Up To Age 23
• Never Married, Dependent Children
• Physically Or Mentally Challenged Child
• Living At Home

one flat-rate monthly fee!!!
17
Six Areas of Coverage
The Life Events Legal Plan

• Preventative Legal Services
• Motor Vehicle Legal Services
• Trial Defense Legal Services
• IRS Tax Audit Legal Services
• Preferred Member Discount
• 24/7/365 Legal Shield

18
Preventative Legal Services
These services are available to you immediately
when you enroll!

• Unlimited telephone consultations
• -- Personal, Business or Financial
• -- Current or Pre-existing situation
• If you dont KNOW what your rights are you
  DONT have any!
• Letter written or Phone call made on your behalf
  by your attorneys
• -- Unlimited number of matters
• -- a letter per each subject matter
• dont CHECK YOUR CHECKBOOK before CHECKING YOUR
  RIGHTS!

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 Firms sole discretion. Trust
preparation is available at the preferred member
rate.
19
Preventive Legal Services
These services are available to you immediately
when you enroll!

• Unlimited Contracts and documents review
• -- up to 10 pages per document or contract
• -- and one business document per year
• Bold Prints Giveth, Fine Prints Taketh Away!
• Living Last Will, Durable Power of Attorney
  and Physician Directive
• -- free annual updates for the member
• -- 20/year for any additional family member
• Leave behind a love letter to your loved ones!

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 Firms sole discretion. Trust
preparation is available at the preferred member
rate.
20
Motor Vehicle Legal Services
These services are available just 15 days after
enrollment!

• Moving Traffic Violations
• -- court representation for speeding tickets
• -- help keeping the points off your records!!!
• Keep your insurance costs low/down
• Motor vehicle related criminal charges
• -- Negligent manslaughter and vehicular homicide
• -- 100 of the court fees paid by your membership
• Bad things happen to good people too

• Other legal Assistance
• -- Up to 2.5 hours for help with drivers license
  assistance
• -- Personal injury/property damage collection
  assistance of 2,000 or less.

Representation under this benefit is provided
when the member has a valid drivers 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. Drivers 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.
21
Trial Defense Legal Services

• If you face a Civil suit or a job-related
  criminal charges,
• -- both you or your spouse are fully
  covered
• 1st year - 75 hours (17.5 pretrial/57.5
  trial)
• The longer you keep your membership, the more
  valuable it becomes!
• 2nd year -140 hours (23 pretrial/117 trial)
• 3rd year - 205 hours (28.5 pretrial/176.5
  trial)
• 4th year - 270 hours (34 pretrial/236 trial)
• 5th 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.
22
IRS Tax 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, youll receive 46.5
  hours of your Provider Law Firms 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
members tax returns, pre-existing
conditionswhere member has been notified by the
IRS prior to enrollment, and services rendered by
an enrolled agent.
23
Other Legal Services
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 Firms 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.

25
Child Custody Divorce Immigration
Bankruptcy Pre-existing Matters
Nordstrom Products for Wal-Mart prices!!!
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
24/7 Legal Shield
The Legal Shield gives you and your family
24-hour access to legal consultation for the
following emergency 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.
Its 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
Its No Secret
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?

26
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 Security Records
• Banking Records
• Employment Records
• Postal Records
• Purchasing Records
• Tax Records
• Leasing Records
• Licensing Records

Your Data is Out There
27
Five Common Types of Identity Theft
Guilty Until Proven Innocent!
28
Financial
Medical
Social Security
Character/ Criminal
Drivers License

• Identity Theft is not just about credit cards!
  ID theft is an international crime and access to
  an attorney may be critical.

28
The Best Answer

• Is Credit Monitoring the Solution?

S
S
S
S
R
Drivers License Identity Theft
Medical Identity Theft
Social Security Identity Theft
Character/ Criminal Identity Theft
Financial Identity Theft
29
The Best Answer
R
R
R
R
R
RestorativeServices
RestorativeServices
RestorativeServices
RestorativeServices
RestorativeServices
R
R
R
R
R
Life Events Legal Plan
Life Events Legal Plan
Life Events Legal Plan
Life Events Legal Plan
Life Events Legal Plan
Drivers License Identity Theft
Medical Identity Theft
Social Security Identity Theft
Character/ Criminal Identity Theft
Financial Identity Theft
30
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.
entity Theft
ID
SHIELD
TM
with the Pre-Paid Legal Plan
31
The Best Answer
entity Theft
ID
SHIELD
TM
Kroll is the worlds leading risk consulting
company with more than 30 years of experience.
Wall Street's Private Eye
NOTABLE CASES

• Assisted the Kuwaiti government in investigating
  Saddam Husseins financial network.
• Responsible for the restructuring of Enron.
• Used by the government, agencies, military and
  large corporations to conduct background
  screening services prior to employment or
  security clearance
• Investigation of Brazil's President Collor
• Played Important role in September 11 in SAVING
  LIVES.

32
Credit Report Continuous Monitoring

• Up-to-date Credit Report
• full credit analysis to determine if youve been
  a victim
• including your credit score.
• Continuous Monitoring.
• Suspicious activity will be brought to your
  attention, providing you with early detection.
• Youll receive prompt notice if any
• new accounts are opened in your name...
• derogatory notations are added to your credit
  report.

33
Restoration Services
KROLL 800 LB GORRILLA

• 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

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.
34
How Much Will Peace of Mind Cost?
No contract! Month-to-month! Lifetime Rate!
35.95
9.95
26.00
ID
entity Theft
SHIELD
35
The Best Answer
The Complete Wall of Security
YOU
MonitoringServices
Life Events Legal Plan
Restoration Services
36
Whats in It For You?

• We need your help taking this service and
  opportunity to the marketplace.

37
How do people create WEALTH?
The Opportunity
Work for someone else? Get a second job? A third
job?

• Escalating Expenses

38
Two Goals

• Sign up every family for the Life Events Legal
  Plan and Identity Theft Service
• Servicing more than 1.5 million families across
  United States Canada.
• Over 44,000 companies offer the services as an
  employee benefit.

• 2. Create more millionaires than any other
  company
• In 2007 approximately every 12 days a new family
  started earning a six-figure income working with
  PPL!
• And approximately every 26 days a new family
  joins the Millionaire Club!

PPL TRACK RECORD
PPL TRACK RECORD
And you can, too, by doing three simple things!
39
Getting Started
OR
OR
49 BASIC PROGRAM
40
INDIVIDUAL/GROUP MARKETING
YOUR PERSONAL EFFORTS
Advanced Commissions
What you do (accomplishment)
What you become (promotions)
252.35
75 memberships/month
Executive Director
38 PEOPLE
207.41
250 memberships
Director
125 PEOPLE
172.84
Manager
100 memberships
50 PEOPLE
138.27
50 memberships
Senior Associate
25 PEOPLE
69.14
25 memberships
13 PEOPLE
Associate
34.57
Everybody starts here
Junior Associate
COLLECT 35.95 1st month membership
Fees 10.00 1 (one) - time Enrollment fee
45.95
Commission amounts shown represent advances. If a
membership cancels during the advance period, you
will be charged back against future commission
advances.
41
BUILDING AN ORGANIZATION
LEVERAGING YOUR EFFORTS
Advanced Commissions
Team Override Advance
What you become (promotions)
BASIC PROGRAM
FAST START PROGRAM
75 MEMBERSHIPS/MONTHCURRENT QUALIFICATIONS
75 MEMBERSHIP/MONTHCURRENT QUALIFICATIONS
252.35
44.94
Executive Director
HELP 3 TO MANAGERS LEVELTOTAL OF 21 ASSOCIATES
HELP 3 TO MANAGERS LEVELTOTAL OF 15 ASSOCIATES
34.57
207.41
Director
34.57
HELP 1 TO SENIORTOTAL OF 6 ASSOCIATES
HELP FS TO SENIOR SIGN UP 2 MORE TOTAL OF 4
172.84
Manager
69.14
RECRUIT 2 MORE ASSOCIATES- TOTAL OF 3 ASSCOCIATES
RECRUIT 1 FS ASSCOCIATE WITH A MEMBERSHIP -
TOTAL OF 1 FS ASSOCIATE
138.27
Senior Associate
34.57
69.14
RECRUIT 1 ASSOCIATE
Associate
Everybody( Fast Start or Basic) Starts Here
34.57
Junior Associate
103.71
COLLECT 35.95 1st month membership
Fees 10.00 1 (one) - time Enrollment fee
45.95
QUADRUPLEYOUR FIRSTCOMMISIONS
Commission amounts shown represent advances. If a
membership cancels during the advance period, you
will be charged back against future commission
advances.
42
LAUNCH YOUR BUSINESS!!!
NEW
NEW
43
Investment
JOB EMPLOYEE WORKER
HOMEBUSINESS OWNER
OR
HOME OFFICE SUPPORT (800 employees) Customer
Service Department Attorneys Resources
Center Marketing Services Department Group
Marketing Department MAS Member Advantage
Services PBLA Pre-Paid Legal Benefits
Association
In Business FOR Yourself But NOT BY Yourself!
44
Investment
OR
49 BASIC PROGRAM
45
Investment
As a FAST START Associate you receive

• BUILDERS PACK
• Applications
• Brochures
• 3 months FREE enhanced website
• 3 months FREE Televox
• 1 Getting Started Right Book
• 3 Training CDs
• 3 Recruiting DVDs
• 1 Recruiting CD

Help one person start their business and sell ten
35.95 memberships 1,382.70
Special Executive Director support and guidance
to launch your business!
46
Your Goal to a Successful Business
Your Goal to a Successful Business
Become Executive Director with at least 49
associates!
ED
1 3 9 36
CEO
DIR
DIR
DIR
VICE PRESIDENTS
MGR
MGR
MGR
REGIONAL MANAGERS
MGR
MGR
MGR
MGR
MGR
MGR
AREA SUPERVISORS/BRANCH MANAGERS
SA
SA
SA
SA
SA
SA
SA
SA
SA
ALL THE REST - REGULAR EMPLOYEES
47
Three Steps to a Successful Business
12-MONTH PLAN TO FINANCIAL FREEDOM
1. Become an Associate 249 or 49
1. ________ 2 2. ________ 4 3. ________ 8
4. ________ 16 5. ________ 32 6. ________ 64
7. ________ 128 8. ________ 256 9. ________
51210. ________ 102411. ________ 204812.
________ 4096
2. Sign up for Legal Plan IDT Shield
35.95/month
3. Sign up ONE new Associate per MONTH and you
and your organization each do these same THREE
things.
If only 1 out of 10 are working, thats 400
Associates. If 400 Associates market one combo
membership/month,
thats 400 Xs ED bonus/45 18,000/MONTH
Figures represent potential income only and are
no guarantees of any certain income. Figures
represent sales of both plans.
48
Three Steps to a Successful Business
A 5-YEAR RETIREMENT PLAN
1. Become an Associate 249 or 49
1. ________ 5 2. ________ 25 3. ________
125 4. ________ 625 5. ________ 3125
2. Sign up for Legal Plan IDT Shield
35.95/month
3. Sign up FIVE new Associates per YEAR and
you and your organization each do these same
THREE things.
If only 1 out of 10 are working, thats 300
Associates. If 300 Associates market one combo
membership/month,
thats 300 Xs ED bonus/45 13,500/MONTH
Figures represent potential income only and are
no guarantees of any certain income. Figures
represent sales of both plans.
49
Pre-Paid Legal Pays You Every Day

• Commissions are paid daily by direct deposit!

50
Players Club

• Qualify for the Players Club and receive a
  monthly car bonus!
• The program requires additional requirements to
  be met. Review the Players Club flier for full
  details regarding this program.

Your monthly car bonus can range from 100 to
500!
51
This Business Is Simple

• Let the tools do the work for you!

• Hand Outs
• Brochures
• DVDs and CDs
• Mail Outs
• Conference Calls
• Recordings
• Website
• Third-party validations
• Company Briefings

52
No Specific Experience Necessary
DORSEY Landscaping
PICKENS Military
RASMUSSEN Business Owner
SMITH Grocer
MUHAMMAD BellSouth
SELF Store Manager
BURGESS Social Worker
GARDNER Attorney
DENNE Custodian
MALLOY G.E.D.
53
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 15-25 Billion Market
The Rest 80 is locked out of the justice system
Pre-Paid Legal Services, Inc. gives the middle
income North Americans equal access to justice.
54
The Market Timing Is Perfect
100 75 50 25 0
Approximately 80 Of Europeans Have Legal
Coverage
Less than 3 of North Americans Have A Pre-Paid
Legal Services Membership
It is only a matter of time!
55
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.
56
Timing Is Key

• History shows that when an industry hits a 2
  market penetration, critical mass can be achieved.

THE GROWTH OF HMOS
60 50 40 30 20 10 0

• It took 10 Years for HMOs to reach 2 market
  penetration

• After that, it took just seven more years to
  reach 52 market penetration

1 2 3 4 5 6 7 8 9 10 11 12
13 14 15 16 17
57
Timing
National Media Campaign
FORMER ATTORNEY GENERALS.
MIKE TURPEN OKLAHOMA
ANDREW MILLER VIRGINIAI
MIKE MOORE MISSISSIPPI
GRANT WOODS ARIZONA
BILL PAULFormer American Bar Association
President
HARRY C. ALFORD President CEO, National Black
Chamber of Commerce
THOMAS J. DONOHUE President CEO, United
States Chamber of Commerce
58
Timing Is Key
The three major divisions of the insurance
industry have already achieved billions in market
share.
59
Pre-Paid Legal Services, Inc.
As workplace marketing expands into this new
area, prepaid legal services may become as
expected an employee benefit as major medical
insurance or group life. In the next few
years, prepaid legal services may well
emerge from being a novelty to becoming
another accepted form of insurance the average
American expects.
60
Timing Is Key

• Judge Rules LifeLocks Fraud Alert Service
  Illegal
• By Kim Zetter
• May 27, 2009   
• 503 pm   
• Categories Breaches, The Courts
• In a decision that has privacy advocates and
  others scratching their heads, a federal judge
  has ruled that LifeLock has been
  breaking California law for years by placing
  fraud alerts on its customers credit profiles.
• The decision is a blow to the burgeoning
  identify-theft protection industry, and means
  that companies that experience data breaches may
  no longer be able to offer victims free
  subscriptions to such services a standard
  damage-control tactic in recent years. Consumers
  can still place fraud alerts by contacting one of
  the three U.S. credit reporting agencies
  directly.
• Bo Holland, founder and CEO of Debix, a
  competitor of LifeLock, called the ruling
  dramatic and unexpected.
• It causes a real shift in the industry, he told
  Threat Level.
• The pre-trial partial summary judgment comes in a
  lawsuit filed last year against LifeLock by
  Experian, one of the nations three credit
  reporting bureaus. Experian claimed LifeLock is
  trying to game the system of fraud alerts to
  make a profit.
• LifeLock, a controversial company that gained
  notoriety for publishing its CEOs Social
  Security number in advertisements , charges 120
  a year to consumers to place fraud alerts on
  their credit profiles, among other services. The
  company also offers a 1 million guarantee to
  reimburse the expenses of any customer who
  suffers losses from identity theft while
  subscribed to LifeLock.

61
Legal plans to the rescue By Jim Barone
Published May 1, 2009 From the May 2009 Issue
The headlines tell a story of gloom and doom as
the world faces one of the greatest financial
challenges since the 1930s. Weve all read the
news. Giants of commerce seem to be teetering.
Many organizations large and small now find
themselves between a rock (lower sales) and a
hard place (business costs). Everywhere, people
are feeling the pinch. From Wall Street to Main
Street, people are worried about jobs, benefits
and financial security the future. Yet,
economists, historians, and grandparents who
lived through the Great Depression remind us that
society has survived and overcome financial
difficulties. Legals Unique AdvantagesThe good
news is that, despite the dark clouds of economic
uncertainty, leading brokers are finding a silver
lining of opportunity by providing best in class
financial products and services. They are helping
employers and employees overcome todays
challenges and move purposefully and confidently
into the future. This is especially true for
brokers who offer voluntary products, such as
legal plans placing themselves in a favorable
position with current and prospective
clients. Employers are always looking for
cost-effective ways to manage business expenses.
Yet, they also recognize the importance of
providing value-added employee benefits. The two
strategies can work together to help keep the
business moving forward. While managing costs is
clearly important, savvy employers dont lose
sight of their most valuable natural resource
the men and women who comprise their workforce.
Cost-conscious employers are employing the
cost-saving strategy of passing along benefit
costs to employees. At the same time, they are
choosing to offer legal plans or other
value-added voluntary benefits that help
employees address personal needs and objectives
keeping things in balance for all concerned.
According to recent studies from UNUM and
MetLife, more than half of U.S. employers offer
at least one voluntary benefit to which tens of
millions of American workers have access through
their jobs. Recent studies have shown that
Americans concerned about work and financial
stability are placing increased personal value
in having adequate benefit protection for
themselves and their families. Furthermore, they
appear to be willing to pay for voluntary
benefits that supplement their standard
employer-sponsored benefits. While some consumers
might perceive legal services, in general, as
inaccessible and unaffordable, a Russell Research
study (Legal Needs of Todays Multi-Generational
Workforce) showed that a majority of Americans
see legal plans as a valuable employee benefit to
help them deal with personal legal needs, ranging
from financial and family to home and
automobile-related matters. One of the hard facts
of life that people are now learning is that
legal needs arise regardless of having coverage
or ability to pay. The Russell Study reported
that only one-fifth of Americans have a plan for
covering legal expenses that may arise. Nearly
two-fifths dont have a plan and another
two-fifths would have to find a way to cover
legal expenses. The study also showed that seven
out of 10 people (67 percent) experienced one or
more legal life events in the past 12 months
while nine out of 10 (88 percent) were concerned
about one or more financial or legal matters.
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Do You Qualify?

• Do you have a BURNING DESIRE?
• Why Starting a Pre-Paid Legal Business?
• What Are Your Goals With Pre-Paid Legal?
• Are youWILLING TO WORK?
• Share Service Opportunity with Everyone
• Plan Your Next Event (Briefing and/or PBR)
• Will youBE COACHABLE?
• Attend the Game Plan Interview with Sponsor!
• Plug Into the System (Trainings/Use Tools)

63
Action Steps
Thank the person who invited you here tonight and
let them know whether you are a type A, B or C
person

• A Absolutely!!!
• It all make sense! I am ready to get started!
• B Become a Member
• I still have questions about the Business
• C - C U Later! (This is not for me! )
• At least protect your FAMILY for 1.20/day

64
Action Steps

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

Thank you for your time.
65
See You Next Week

• Tonights event was great, and we appreciate your
  being here . . but next week will be even better.
  
• Dont 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!