Slide 1: * 2003 FTC Report Slide 2: Identity Theft in the News ! Every day in the U.S. at least 20,000 people fall victim to Identity Theft. Slide 3: Identity Theft is about your entire identity NOT just your Credit Card Numbers and Online Shopping. Five Common Types of Identity Theft What is Identity Theft? 21%-28% Identity Theft is an international crime and access to an attorney will be needed over 70% of the time to address these related issues. Slide 4: Driver’s License Identity Theft What is Identity Theft? “An 82-year-old grandmother, who quit driving during the Truman administration, suddenly found herself in [a devastating situation] after one of her neighbors, arrested on drunk-driving charges,…pretended to be her. ‘I was told there were warrants for my arrest…[and]…I was afraid to answer the phone.’” As a result she was arrested for a crime she never committed. (AARP Bulletin) You may need access to an attorney to resolve these related issues. Our Driver’s License has become an unofficial National Identification card. Slide 5: Social Security Identity Theft What is Identity Theft? A Chicago woman applied for a job at a local Target department store and was denied. The reason? She already worked there – or rather, her Social Security number already worked there.
Follow-up investigation revealed the same Social Security number … was used to obtain work at thirty-seven other companies. (MSNBC) You may need access to an attorney to resolve these related issues. 10,000,000 Social Security numbers are bought and sold every six weeks. Slide 6: Medical Identity Theft What is Identity Theft? Medical Identity Theft is the fasted growing form of Identity Theft and is becoming a significant concern, with risks of fraudulent charges, falsified medical history and loss of insurance coverage. You may need access to an attorney to resolve these related issues. There are over 47,000,000 people in the U.S. without Health Insurance. Stolen Health Insurance Cards are being sold on the black market for $500-$600 each! (AARP) Slide 7: Character/Criminal Identity Theft What is Identity Theft? Criminal Identity Theft occurs when an imposter gives another person’s name and personal information such as a driver’s license, date of birth or Social Security number to a law enforcement officer during an investigation or upon arrest. You may need access to an attorney to resolve these related issues. You Could be Arrested for Crimes You Did Not Commit! Slide 8: Financial Identity Theft What is Identity Theft? The Federal Trade Commission defines Financial Identity theft as exploiting your credit worthiness to commit loan fraud, mortgage fraud, credit card fraud, and banking fraud.
New federal laws hold victims partially responsible for fraudulent debt after forty-eight hours of discovery, and can hold you fully responsible if not reported within sixty days. You may need access to an attorney to resolve these related issues. You May be Held Responsible for Debts You Did Not Create! Slide 9: The Average American is listed in at least 50 Databases Your Name
1000’s of aggregators Fingerprints and DNA
FBI, State, and Local DBS Insurance Claims
C.L.U.E. DBS, etc Military Record
DOD DBS Criminal History
NCIC DBS Real Estate Deeds
Clerks of Court DBS Legal History
State and Federal Court DBS Credit History
Credit Repositories’ DBS Birth Certificate
Choice Point DBS, State, etc Hunting, Fishing, Real Estate, Ins. License etc. STATE DBS Social Security Number
SSA DBS Address
1000’s of DBS Driver’s License Number & Record
DMV DBS Medical Records
MIB DBS, etc Car Registration & Info
DMV, Local Treasurer, On Star, etc Slide 10: So many laptops … we lost count i.e. Hotels.com (Ernst & Young) Identity Theft Facts Between January 10, 2005 and February 25, 2008 Whether it was hacking, lost computers or lost data tapes, there were 218,621,856* records lost due to computer data breeches from major companies. The U.S. Population reached 300,000,000 in October 2006. *www. privacyrights.org ID Theft Chat Room : ID Theft Chat Room Slide 12: Mike Turpen
Former Attorney General
State of Oklahoma “You have so many things on your radar screen the Identity Theft involving one person is hard to become the number one priority of a law enforcement agency.” Law Enforcement is Overwhelmed Only 1 out of every 700 thieves
are ever prosecuted! Slide 13: Offered by Pre-Paid Legal Services and Kroll Background America, both are
New York Stock Exchange Listed Companies and Number One in their Respective Fields. Protect You and Your Family Slide 14: Identity Theft Shield is Provided by Kroll, Inc. Who We Are Kroll, founded in 1972, is the leading Risk Consulting Company in the world. They were acquired In 2004 by Marsh McLennan Companies, Inc., a New York Stock Exchange Listed Company (MMC). Kroll is headquartered in New York and has offices in more than 25 countries worldwide with over 4,000 employees. Professional Thieves are stealing your identity.
Does it not make sense to have
Professional Investigators restore your identity? Slide 15: Identity Fraud Solutions Who We Are Licensed Investigators – Kroll is the only data security and breach recovery solution provider to employ licensed criminal investigators (many former FBI and CIA agents) with thousands of hours of work experience and the hands-on understanding required to restore an individual’s identity to pre-theft status. They have been involved in many high profile cases:
Assisted the Kuwaiti government in investigating Saddam Hussien's financial network (After the 1991 Gulf War)
Responsible for the restructuring of Enron (Hired by the FBI and Securities and Exchange Commission to do forensic accounting)
Played an instrumental role in the lives saved during the September 11, 2001 World Trade Center tragedy Slide 16: You will receive a detailed credit report which includes your credit score to verify your credit information is accurate
Your credit files are *regularly monitored suspicious activity will be brought to your attention, providing you with early detection
You will receive prompt notice if any new accounts are opened in your name, derogatory notations or public records have been added to your credit report or a change of address has been requested Continuous Monitoring What We Do *Includes all three credit repositories
You will receive notification by e-mail or regular mail. Slide 17: With the Identity Theft Shield SM you will have professional criminal investigators doing the work for you if you are a victim of identity theft to help restore your good name and credit. Restoration Services What We Do Criminal activity in your name with your county’s records and certain federal watch lists
Department of Motor Vehicles records in your state
U.S. Postal Service (requests for address changes are updated nationwide every day at midnight)
Social Security Administration Continuous searches are made to these local and national databases! Fraud Alert Notifications will be sent on your behalf to all three credit repositories, Social Security administration, FTC, U.S. Postal Service and effected credit card companies and financial institutions on your behalf with a Limited Power of Attorney. Slide 18: Credit Monitoring and Restoration provide incredible support, but they do not include legal help, particularly 24-hour legal access in the event you are being arrested. Our Life Events Legal Plan provides help that addresses these and other related issues. Slide 19: Handed your credit card to servers at restaurants?
Been treated unfairly or been taken advantage of?
Supplied personal information on the Internet?
Had a problem with an insurance claim?
Kept your Social Security card in your wallet or purse?
Received a moving traffic violation?
Disposed of mail or personal information without shredding it?
Had trouble with a warranty on a product you purchased?
Left mail at your home or business for the mail carrier to collect?
Signed a contract that you had not read or fully understood?
Needed to have your Last Will and Testament prepared or updated?
Wanted to ask an attorney a question? Life Events Legal Plan Have you ever? Access to legal counsel is included in our Life Events Legal Plan. Slide 20: Simply put, a
Life Events Legal Plan does for attorney and legal bills what medical coverage does for doctor and hospital bills. Life Events Legal Plan Slide 21: I. II. III. IV. V. Life Events Legal Plan Life Events Legal Plan Life Events Legal Plan Provider Law Firms Across North America In addition to Credit Monitoring and Restoration our Provider Law Firm includes these additional services Slide 22: Title I. Preventive Legal Services These services are available to you immediately when you enroll! Life Events Legal Plan Unlimited Legal Consultation and Advice… Access to your Provider Law Firm for any personal, identity theft or business legal matters — without getting a bill in the mail!
Unlimited Letters and Phone Calls… Letters written or phone calls made on your behalf for any personal subject matter to help resolve legal issues. An Unlimited Number of Personal Contracts and Documents Reviewed… up to 10 pages each.
Will Preparation… A Last Will and Testament for you at no additional charge – not just a “simple” Will, but one that meets most Americans’ needs - with yearly reviews and updates. Including the Advanced Directives: Your Durable Power of Attorney, Health Care Surrogate, and your Living Will.
Trust preparation is available at a 25% discount. Life Events Legal Plan Slide 23: UNDER TITLE II: For representation under this benefit you must have a valid drivers license and be driving 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. This area provides representation for an Unlimited number of moving traffic violations anywhere in the United States – including teenage drivers.
Legal representation in traffic court will help you keep points off of your record and will help keep your insurance costs down.
Your Attorney Fees are Completely Covered with your Legal Service Policy for the Defense of criminal charges such as Manslaughter, Involuntary Manslaughter, Negligent Homicide or Vehicular Homicide for you and your covered family members. Title II. Motor Vehicle Legal Services These services are available just 15 days after enrollment! Life Events Legal Plan Moving traffic violations can cause an increase in your auto insurance Slide 24: 2nd Year – 140 Total Hours – 23 Pre-Trial 117 Trial Hours
3rd Year – 205 Total Hours – 28 ½ Pre-Trial 176 ½ Trial Hours
4th Year – 270 Total Hours – 34 Pre-Trial 236 Trial Hours
5th Year – 335 Total Hours – 39 ½ Pre-Trial 295 ½ Trial Hours Benefits increase each year to a maximum of: III. Trial Defense Life Events Legal Plan Your Provider Attorney will assist You or your Spouse in the Defense of Civil Suits and Job Related Covered Criminal Charges.
Up to 75 Hours of Assistance The First Year Including 17 ½ Hours of Pre-Trial and 57 ½ Hours of Trial Time. Over 200 Million Law Suits Filed Last Year. Slide 25: 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. 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.
This includes 3.5 Hours of Pre-Trial Time.
Coverage for this service begins with the tax return due April 15th of the year you enroll. Life Events Legal Plan Slide 26: You can however, discuss these issues with your Provider Law Firm under your Legal Consultation Benefit at no additional charge. Pre-Existing Matters and Representation for a Business Owner’s Legal Issues are also Covered Under this Benefit. Preferred Member Discount Life Events Legal Plan Slide 27: 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. Legal Shield The Legal Shield gives you and your family 24-hours a day,
7-days a week, 365-days a year access to legal consultation in the event of an emergency anywhere in the U.S. and Canada. 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 emergency.
Drug and Alcohol Matters not included. Detained or Arrested
Injured in an Accident
Involved in matters of Child Custody Life Events Legal Plan Slide 28: MonitoringServices Life Events Legal Plan Restoration Services YOU The Complete Wall of Protection The Best Answer Slide 29: Our Life Events Legal Plan Provides Coverage for … 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 Dependents
Living At Home, Regardless of Age Life Events Legal Plan Slide 30: $32 Million 179,000 Square Foot Corporate Office Located in Ada, Oklahoma The Pre-Paid Legal Opportunity Life Events Legal Plan Slide 31: Continuous credit monitoring
Restoration in the event of identity theft Summary Of Benefits Unlimited consultation with you, as my attorney, phone calls and letters written, on my behalf, review of contracts and documents, plus a Last Will and Testament, with yearly reviews and updates and the Advanced Directives prepared for me and for my spouse If you were my Attorney, and I asked you to provide all these services for me and my family, what would you charge me for ... Moving violation and tragic accident criminal charge representation
Trial defense for lawsuits or job-related criminal charges
IRS audit representation
24-hour, 7-day access to you, as my legal counsel, in an emergency
Discounted rates for any other legal services Now, if you were my attorney, what flat monthly fee would you charge me for all of these services? Slide 32: You Can Protect You and Your Family with a Pre-Paid Legal Expanded Trial Defense Legal Plan,
Legal Shield, and Identity Theft Shield Gold … That is less than the price of a cup
of coffee a day! for as little as … $38.95 per month One-time enrollment fee - $10.00
($1.28 per day) Life Events Legal Plan What areas of coverage did you like best?
Do you have any questions?
Your Protection, Security and Peace of Mind are Available to You and Your Family Immediately Upon Enrollment with Your Legal Service Policy.
Payment Options: Monthly /Annual Checking Account Draft, Credit Card or Debit Card Draft or Annual Direct Billing? Which one would you prefer? Life Events Legal Plan Slide 33: is simply... Telling other people
about our Life Events Legal Plan and Identity Theft Service The Pre-Paid Legal Opportunity Slide 34: Has Been a Guest Speaker in the White House and Sat in the VIP Section at President Bush’s State of the Union Address! THE FOUNDER His Tragedy Became His Destiny! Voted Master Regional Entrepreneur of the Year by Ernst and Young! 2003 Elected to the Board of Directors of the United States Chamber of Commerce and re-elected in 2005 and 2007! Voted As One of the 100 Most Powerful Insurance Executives in the United States! Mr. Stonecipher Spoke at The 2006 National Attorneys General Conference Regarding
Identity Theft! The Pre-Paid Legal Opportunity Several Attorneys Generals Own a Pre-Paid Legal Membership and Endorse Pre-Paid Legal Services. The Pre-Paid Legal Opportunity Life Events Legal Plan Harland C. Stonecipher
Founder, Chairman, & CEO
Pre-Paid Legal Services, Inc. Slide 35: Documentation Beats Conversation! The Company The Pre-Paid Legal Opportunity The Pre-Paid Legal Opportunity The Pre-Paid Legal Opportunity Life Events Legal Plan Slide 36: Ways We Build our Business ID Theft Shield & Life Events Legal Plans
Small Business Owners Legal Plans
Group Employee Benefits
Commercial Drivers Legal Plans
Law Officers Legal Plans
Recruiting - Building a Team The Pre-Paid Legal Opportunity Slide 37: What You Get For Your Investment A Marketing Services Department to support you and your Associates' needs
An Accounting Department to pay you and your team your commissions, as well as provide your 1099 annually
A Membership Department to handle your members needs
Carefully selected, quality law firms to service members
Proven System for Success and Tax Benefits of a Home Based Business The Pre-Paid Legal Opportunity Two Ways to Start : $49 Associate
Basic Start Up Kit
* Applications $249 Fast Start
* 3 months free website
* 3 months free Televox
* 1 Getting Started Right Book
* 3 Training CDs
* 3 Recruiting DVDs
* 1 Recruiting CD * Earn TWICE the commissions
from your first recruit and
* Promote to Senior Associate 3
Times Faster Two Ways to Start The Compensation New Fast Start Associate Fee : New Fast Start Associate Fee One $249 Fast Start recruit with a $38.95 membership:
Advance directly to Senior Associate and get paid $138.27 on your first sale! Benefits to new associate:
Televox FREE for 3 months
E-Service FREE for 3 months
Special Builders Pack to start their business
Faster advancement and higher pay The Compensation Slide 40: The Compensation Want to earn higher commission immediately? If your FIRST activity as a $49 Junior Associate is to recruit a new $49 Junior Associate with a new membership, you will advance to the Associate level and receive the Associate level commission of $69.14*
Or if your FIRST activity as a $249 Fast Start Associate is to recruit a new $249 Fast Start Associate with a new membership, you will automatically advance to the Senior Associate level and receive the Senior Associate level commission of $138.27* Slide 41: YOU GET PAID
EVERY DAY! Monday
Friday Pre-Paid Legal Services, Inc.
One Pre-Paid Way
Ada, Oklahoma 74821 Commission 111001560 31 2508 1251 Pay to the order of dollars 111001560 31 2509 1252 111001560 31 2510 1253 111001560 31 2511 1254 111001560 31 2512 1255 The Compensation Slide 42: “THE PLAYERS CLUB” Only 5 or10 Membership Sales Each Month To Qualify An additional incentive for consistency and persistency. The Compensation Slide 43: 100 %
0 1.7% 80% United States Europe* Population Owning Pre-Paid Legal Plans *Pre-Paid Legal Plans have been available in Europe since 1940 The Timing Slide 44: Current Market Penetration 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. Less than 1%
1% to 2%
More than 2%
Plan not available The Timing Slide 45: 100’s of Billions of Dollars All for a ONE TIME INVESTMENT of $49 or $249! Slide 46: Solid Companies
Services That Fill The Need
Lucrative Compensation Plan
Perfect Timing The Opportunity Slide 47: The news media continues to tell the public how badly they need legal services via radio, T.V., newspapers, magazines, etc. For a one-time investment of $49 or $249 you can position yourself in front of two of the hottest emerging market trends in North America with the number one companies in their professional fields! This could prove to be the greatest investment you will ever make! You need to know that only 1 out of 700 identity theft thieves are ever
prosecuted! And 1 out of 3 families in America will be affected this
year. Thieves are only going to get more creative! Little risk/easy $$$ Attorneys are not going to drop their rates to $40 per hour to make
themselves affordable! The public is going to continue to get bills
that are not fair , they will continue to be treated unfairly , they will
continue to sign contracts and need to have their Wills prepared - do
you see the need for a legal service policy and ID theft protection? The Business Model Millions in new money in 2009! : Millions in new money in 2009! Go Get Yours! The Business Model Slide 49: Pre-Paid Legal