For Internal Use Only. Primerica Legal Protection Program ™ Underwritten by Pre-Paid Legal...

For Internal Use Only.

Primerica Legal Protection Program™

Underwritten by Pre-Paid Legal Services®, Inc.


Top Six Reasons to Offer PLPP To Your Clients

Helps protect clients’ income and assets by offering the complete solution.

Allows representatives to earn money when just starting in the business.

Opens the door to offer other Primerica products. Opens the door for re-visits to existing customers. Maintenance free; which means extra time for

representatives to focus on other things. Monthly bonus program and incentive contests.


The Product

The Primerica Legal Protection Program (PLPP) offers clients:

An array of legal benefits; Legal empowerment to know that an attorney is just a phone

call away (No searching through the yellow pages, online, etc.);

The comfort of knowing a qualified provider attorney firm is in their corner.

PLPP lets your clients talk to an attorney: Without worrying about the cost; To help prevent legal questions from becoming legal

problems; To help provide peace of mind when they are faced with the

critical need for legal consultation.

What is PLPP?


The Product

Simply put, a Primerica Legal Protection Program does for lawyer and legal bills what a medical or dental plan does for doctor and dental bills.

What is PLPP?


The Need

Have you Ever... Been overcharged for a repair? Tried to return a defective

product? Lost a security deposit? Been audited? Received a traffic ticket? Prepared a will? Signed a contract? Purchased a home? Faced possible foreclosure?


The Need

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.


Family and Group Plans What’s the Difference?

Family Plan Offered to individual families across the kitchen table or in an individual setting. The Family Plan is $25 per month with a $10 enrollment fee (full benefit states) The Family Plan is $20 per month with a $10 enrollment fee (limited benefit

states).

Group Plan Offered as a benefit through a place of employment to the employees to

cover the individual and their family at a discounted rate. The Group Plan is $23.95 per month with NO enrollment fee (full benefit states) The Group Plan is $18.95 per month with NO enrollment fee (limited benefit

states). Florida Group Plan is $25 per month with NO enrollment fee Same benefits as the family plan. Minimum of five members to be considered a group plan.


PLPP Family and Group Benefits

Legal consultation & assistance services Will benefits Physician’s directive Durable power of attorney Probate benefits Motor vehicle related benefits Trial defense benefit IRS audit protection Contingency fee matters Discounted legal work Legal Shield (optional)


Legal Consultations and Assistance Services

PLPP Benefits

Toll-free telephone consultations for any legal matters for personal and/or business questions.*– Being proactive can prevent small issues from becoming

large ones. Know your rights from the beginning.

One personal letter or phone call, per subject-related matter, plus two business-related letters and/or phone calls.**

Unlimited review of personal legal documents of 10 pages or less, plus one business-related document of 10 pages or less.***

*NV residents are limited to 50 hours of consultation per year and five document reviews per year.**A letter or phone call per subject matter is available if advisable at your provider law firm’s sole discretion.***You must be a contracting party on the document.


PLPP Benefits

Will preparation and annual will updates for primary member (free with membership).

Will preparation for spouse or partner is free if submitted within 60 days receipt of will questionnaire.*

Annual will updates for a spouse or partner and covered family members are $20.

Preparation of trusts at a 25% discount off the provider law firm’s standard hourly rate.

Member’s will must be completed and filed through Pre-Paid Legal for the probate benefit to be valid.*Limited time offer

Will Benefits


PLPP Benefits

Initiating a living will gives you a way to make your wishes known to your family and doctors, while saving your family the agony of having to make end-of-treatment decisions in terminal situations.

Living will preparation and annual reviews for members and covered family members are free with membership.*

*Living will forms should be requested from your provider attorney.

Directive to Physician/Living Will


PLPP Benefits

A durable power of attorney authorizes you to act on the behalf of another person, even if that person should later become disabled or otherwise incapacitated.

Durable power of attorney, plus annual reviews, are available to members ($20 per document for covered family members).*

*Durable power of attorney forms should be requested from your provider attorney.

Durable Power of Attorney


Probate Benefits

PLPP Benefits

When a person dies, his or her assets must go through probate, a process that helps to ensure that the deceased’s assets are distributed properly to the person’s heirs and creditors and that estate taxes are paid.

Up to 25 hours of attorney time per membership year for contested probate, available to the PLPP member or member’s spouse.

Unlimited uncontested probate hours.

Member’s will must be completed and filed through Pre-Paid Legal for the probate benefit to be valid.


Motor Vehicle-Related Benefits

PLPP Benefits

Moving traffic violation assistance. Defense of criminal charges resulting from the

operation of a moving vehicle. • Manslaughter / Vehicular Homicide

Up to 2.5 hours of help with license suspensions and personal injury/property damage collection per membership year.

Motor vehicle-related benefits are available 15 days after your enrollment date. If you have received any traffic tickets before your 15-day waiting period has passed, your provider attorney firm will provide services at your preferred PLPP member discount rate. Exclusions on charges where the covered member is driving without a valid operator’s license as well as charges of DUI/DWI, drug-related charges (whether prescribed or not), hit-and-run, leaving the scene of an accident, unmeritorious cases or similar charges are covered with your preferred member discount. Commercial vehicles with more than two axles are not covered.


Trial Defense Benefits

PLPP Benefits

Defense of civil and covered work-related criminal charges, including up to 60 hours of legal assistance for the first membership year. This benefit includes 57.5 hours of trial time and 2.5 hours of pre-trial time.

Up to 300 hours of legal assistance by the fifth year of membership. This benefit includes 295.5 hours of trial time and 4.5 hours of pre-trial time.

This coverage applies only to the named member and spouse, dependents are not included. Divorce, separation, annulment, child custody or other divorce-related matters, bankruptcy, charges of DUI/DWI, drug-related charges (whether prescribed or not), hit-and-run, leaving the scene of an accident, unmeritorious cases or similar charges are covered with your preferred member discount. Additional exclusions: Being named in a civil lawsuit or having criminal charges filed against you because you are listed as an owner, management 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. Thos charges are covered with your preferred member discount. Class actions, interventions, or amicus curiae filings in which the covered family member is the party (or potential party) are excluded. Also, this coverage does not include garnishment, attachment or any other appeal.


IRS Audit Legal Services

PLPP Benefits

Up to 50 hours of legal consultation, advice and/or representation per membership year when the tax return of a member or covered family member is audited by the IRS. Tax returns filed in the first year of the membership are included.

Exclusions apply to this benefit: garnishments, attached or any other appeal; class actions, interventions or amicus curia filings; charges of tax fraud or income tax evasions; trust returns, business and /or corporate tax returns, payroll and information returns; pre-existing conditions – where the member has been notified by the IRS prior to enrollment; services rendered by an enrolled agent.


Contingency Fee Matters

PLPP Benefits

In general, attorneys who represent the plaintiff in a lawsuit will base their fees on a fixed percentage of the plaintiff’s recovery. With PLPP membership, that percentage is lowered.

A 5% discount from the provider law firm’s standard contingency fee scale is available to both the members and covered family members.


All Other Legal Work

PLPP Benefits

A 25% discount from the provider law firm’s standard hourly rate of representation for legal services not specifically covered by the membership or in excess of the benefits provided through PLPP.

Five business days advance notice is required for preparation in court representation.

Pre-existing issues fall under this benefit.

Depending on your legal needs, a retainer may be required by your provider law firm prior to services being rendered under this discount. Your provider attorney firm is responsible for determining the amount of the retainer and any other anticipated costs. Other costs you may incur include fines, court costs, penalties, expert witness fees, bonds, bail bonds, and any other out-of-pocket expenses. These costs are your responsibility and are not included as part of membership benefits. Your provider attorney firm cannot provide any legal services until payment of the retainer and other cost have been made. You have the right to ask for a detailed invoice. If you need to, you can ask your provider attorney firm if they will consider a payment plan.


PLPP Benefits

Most law enforcement officers are conscientious and devoted to protecting your rights rather than abusing them. If you have PLPP and are stopped or detained by a law enforcement official or police officer, you’ll be able to show them your Legal Shield card. Your Legal Shield card provides you:

Access to your provider lawyer via a 24-hour, toll-free number;

Peace of mind knowing that your rights are protected.

Legal Shield Limitations and Exclusions – 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 in domestic violence or stalking. The members is being detained for outstanding warrants. The member needs assistance in making, posting, or obtaining bond, bail or other security required for release.

Legal Shield (optional)


Who Is Covered?

1. The member

2. The member’s spouse or significant other

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 children(Living at home)


Provider Attorney Firms

How are attorneys selected? Provider law firms are carefully screened and selected by Pre-Paid Legal.

– There is one provider attorney firm per state – except Florida, which has two.

– Each firm has individual attorneys that specialize in a certain area of law. – The FNA output provides the provider attorney firm contact information for

your state.

How does Pre-Paid Legal monitor the attorney firm? Pre-Paid Legal monitors firms on a daily basis for quality of business,

complaints and time it take to contact members back.

What if a client isn’t happy with the service they receive from

the firm and don’t feel they received what they paid for? The client may contact Pre-Paid Legal customer service at (800) 426-9239 and

set-up a request for a liaison. Pre-Paid Legal will have the liaison contact both the firm and client to verify the attorney did do what he was supposed to do.


PLPP Administration

Completing the PLPP Universal Application Download the application from Primerica Online (POL).

(Support System/Protection Management/PLPP US/Forms) Indicate the time and date. Complete all client information being sure to include the

complete address. Complete all billing information and signatures. Attach the check for payment if choosing bank draft option.

No voided check is needed. Write legibly.

An original application with signature is always required. No copies or faxed applications will be accepted.


PLPP Administration

Where to mail an application Do not send to Home Office. This will delay processing. The mailing address is listed on the upper left corner of the

application - Pre-Paid Legal Services, Inc. PO BOX 145, Ada, OK 74821-0145.

For expedited mailing, send an application via Fed-Ex or UPS to: Pre-Paid Legal Services, Inc., New Business, 1 Pre-Paid Way, Ada, OK 74820

Processing time Allow at least 48 hours once Pre-Paid Legal receives the application. Allow 7-10 business days after the application is processed at

Pre-Paid Legal in order for the client to receive the membership kit. The application must be fully completed with no errors and a valid

payment method.

To check the status of an application You or the client may contact Pre-Paid Legal for status at

(800) 426-9239.


PLPP Marketing

New Business Your client has never been a member. Your client has membership that has been cancelled 12 months or

longer. Full production/contest credit and commission will be given.

Reinstatement Your client has membership that has been cancelled for less than

12 months. No production/contest credit and partial commissions will be given

and paid through earns. Earnings are commissions based on how long membership was in force.

PLPP Membership — New Business vs. Reinstatement


PLPP Administration

With first monies attached

The writing representative will receive production credit and commissions (check or credit card)

When no first monies are attached

(bank draft with no check/credit card issues)

The application will be processed as “pending” until first monies are received. Once monies are received, production credit and commission will be given to the writing representative for the membership.

Credits and Commissions


PLPP Marketing

Changing from a Pre-Paid Legal membership to a PLPP membership requires a six month waiting period from the date of client cancellation.

During the waiting period, the client will not be covered for either Pre-Paid Legal or PLPP benefits.

If a Pre-Paid Legal client has held membership for several years, trial defense benefit hours have accumulated and those are lost once membership is cancelled.

It is typically not good for your business or for your client to change their membership from Pre-Paid Legal to PLPP.

Changing Memberships


PLPP Marketing

Recruiting Pre-Paid Legal Representatives The Pre-Paid Legal representative must resign, in writing, to

Pre-Paid Legal Services, Inc.

There is a six month waiting period after the representative’s last commission check is received for a Pre-Paid Legal representative to be able to become a Primerica representative.

The same procedures apply for Pre-Paid Legal recruiting of Primerica representatives.

Primerica does not encourage recruiting of Pre-Paid Legal representatives.


PLPP Marketing

PLPP insert in all new life policy delivery kits The insert includes customized client letter and product

overview and a PLPP membership application.* The application is pre-filled with your name, solution number

and contact information. Policy delivery provides great opportunity to discuss PLPP –

complimentary will, legal consultation and assistance, motor vehicle** and more.

Complete the application with your client — or your client may complete and mail it to Pre-Paid Legal without your signature.

Primerica’s mission statement reads that we “Help families become properly protected.” We believe the Primerica Legal Protection Program (PLPP) is a valuable part of that protection.

*Letter and membership application sent only to new life clients in PLPP non-regulated states.**Not available in New Jersey.


PLPP Family Compensation

$25/mo. Program $20/mo. Program (NJ, WA & NY)

Level 2 Yr. Advance Yrs 3+ 2 Yr. Advance Yrs 3+

A.Rep/Rep $50 0 $40 0Sr. Rep $60 0 $48 0DIS $80 0 $64 0DIV $90 0 $72 0RL $100 0 $80 0RVP $125 $10 $100 $8

1st $10 $27 $8 $222nd $7 $13 $5 $113rd $4 $12 $3 $94th $2 $7 $2 $65th $1 $3 $1 $26th $1 $3 $1 $2Total $150 $75 $120 $60Commission payments shown are rounded to the nearest dollar.


PLPP Group

Employees’ legal problems cost employers money. According to an LSK Associates study, almost half the employees who take time off from work do so to deal with problems that are either legal or legal-related.

Why Employers Should Offer PLPP


How PLPP Group can Benefit Employees

Employees with legal problems usually: Have an absenteeism rate five times higher than average; Use their medical benefits four times more than average; Use sick leave twice as often as the average employee; Experience a substantial reduction in their productivity.

A Primerica Legal Protection Program: Helps keep employees’ minds off their problems and on the job; Is highly visible to employees; Reduces turnover by cementing employee loyalty; Is tax deductible to the employer (if offered as a fringe benefit) as a

cost of doing business; (Employers should consult with their CPA regarding this issue.)

Attracts employees in the competitive market.

How Can Group PLPP Benefit Employees of a Business?


PLPP Group

What are group PLPP memberships?Group PLPP provides the same coverage benefits as the Family membership, but is offered through places of employment. A minimum of five members are required to set up a group.Only three members are required if an employer is paying for the memberships as a fringe benefit.

How do you set up a group? Complete a group authorization form (available online at

POL/Support System/Protection Management/PLPP US/Forms). Have each participating employee complete the PLPP universal

application and attach to the group authorization form. Attach first monies to all paperwork being sent to Pre-Paid

Legal in order to receive immediate commission and credit.


Group Plan Cost

How much does a group plan cost? There is a discounted rate of $23.95 for groups in

full benefit states. The enrollment fee is waived. The Florida group rate is $25.00 a month with no

enrollment fee (Family commissions are paid for FL Groups).

The group rate in limited benefits states is $18.95 and the enrollment fee is waived. These states include NJ, NY and WA.


Group Payment Methods

Fringe Benefit Employer can purchase PLPP for all employees or as few as three key

employees, at no cost to employee. Employees NOT receiving PLPP as a fringe benefit can enroll via payroll

deduction, bank or credit card draft.

Payroll Deduction Employers can elect to have employees monthly membership fees deducted

from their paychecks when five or more employees initially enroll for payroll deduction.

The employer or payroll company will deduct the payment from the individuals and forward one check to Pre-Paid Legal for the monthly payment.

If payroll deduction is selected, make sure to fill out and then detach the payroll deduction slip from the bottom of the application and leave it with the employer/payroll clerk.

Bank Draft/Credit Card When payroll deduction is not an option, individual members can have their

bank or credit card accounts drafted.


What businesses cannot be considered for a Group Plan

Taxi services (due to high turnover)

Church members

Associations

Chambers of commerce

Unions (not on a common payroll)

Correctional facilities (prisoners)

Credit unions

Lodges

Guilds

If you encounter a company that currently has a group plan established with either Pre-Paid Legal or PLPP/Primerica, leave the account as it stands. If you want to check and see whether or not a group is currently covered under a Pre-Paid Legal or PLPP/Primerica plan please use the group availability form found on POL/Support System/Protection Management/PLPP US/Forms.


Group Commissions

$23.95/mo. Program $18.95/mo.Program (NJ, WA & NY)Florida $25/mo. Program and receive family plan commissions

Level 2 Yr. Advance Yrs 3+ 2 Yr. Advance Yrs 3+APFA/PFA $48 0 $ 38 0Sr. Rep. $58 0 $ 46 0DIS $77 0 $ 61 0DIV $86 0 $ 68 0RL $96 0 $ 76 0RVP $120 $10 $ 95 $8

1st $10 $26 $8 $212nd $7 $12 $5 $113rd $4 $12 $3 $94th $2 $7 $2 $65th $1 $3 $1 $26th $1 $3 $1 $2Total $145 $73 $115 $58

Commission payments shown are rounded to the nearest dollar


Primerica Incentive TripsQualify with PLPP!

Primerica has allocated 10 slots on Company trips for PLPP crusaders! Are you ready to break free from the ordinary? Push your PLPP production to the limit and qualify for the ultimate travel opportunities!

10 PLPP slots available: Top 5 RVP Base Shop Producers Top 5 PLPP Personal Producers


PLPP Licensing

For checklist on how to obtain your license to market PLPP in your state visit:

POL/Licensing & Education/Getting Licensed If you live in a regulated state you must obtain a

PLPP license to sell in that state. Non-residential licenses for PLPP are available in

most regulated states. Check licensing information on POL for state guidelines and details on non-resident licensing for PLPP.

Non-regulated states do not require a PLPP license and you may begin selling PLPP once you receive a solution number.


PLPP Licensing

Regulated states — PLPP license required

Alabama, Arkansas, Florida, Illinois, Mississippi, Missouri, Montana, Nebraska, North Dakota, South Carolina, Tennessee, Texas, Virginia, Wisconsin

All other states are non-regulated and do not require a license to market/sell PLPP.*

You may also check out the list of regulated and non-regulated states on POL/Support System/Protection Management/PLPP US/Family/Group Plan.

*PLPP not available in Alaska, Massachusetts, Michigan, Puerto Rico and South Dakota.


PLPP Monthly Incentive

The monthly PLPP production bonus adds that extra motivation for Primerica representatives to build their PLPP businesses. Each month, the top 5 personal producers receive a cash bonus with a total payout of $1,500.

1st place $500

2nd place $400

3rd place $300

4th place $200

5th place $100


Marketing Materials Available

Print Pieces101 Reasons for PLPP (A9022) $.10

101 Reasons for PLPP - Spanish (A9149) $.10

PLPP Solution for Businesses (A9015) $.25

PLPP Legal Solutions for Businesses NV, WA, NY (A9016) $.40

PLPP Agent Brochure (A8917) $.40

PLPP Spanish Agent Brochure (A9008) $.40

PLPP Client Brochure (A8813) $.15

PLPP Spanish Client Brochure (A8938) $.15

PLPP Client Brochure for NY (A8784) $.15

PLPP Client Brochure for NY - Spanish (A9148) $.15

PLPP Client Brochure for WA (A8904) $.15

PLPP Client Brochure for NJ (A8785) $.15

PLPP Client Brochure for RI (A8988) $.15

PLPP Training/Dual Disc-Video and Audio (V2507) Representative Use Only $6

Learn how to market to both families and Groups


Want more Information on Marketing PLPP?

Visit:www.primericaonline.com/supportsystem/protectionmanagement/plppus

E-mail:[email protected]

Call:

Primerica Field Marketing at (866) 711-5219 Product and Membership (Pre-Paid Legal) at (800) 426-9239


PLPP Product Training

Get up-close and personal training Learn what PLPP is, how it works and how it can benefit your Primerica

clients. PLPP trainers will provide your team with marketing strategies,

application completion tips and much more. All it takes is just 25 attendees. Base shops can combine to meet the

minimum requirement. 1-2 hours of training time.

The Training You Need Use the Field Training Request Form on POL/Support System/Protection

Management/PLPP US/Field Training Information. Call us at (866) 711-5219. Email us at [email protected].

Every day you help families build towards financial success.Now help them protect it. Get training for your team today!


Primerica

Certain benefits are not available in all states. Please consult with your Primerica representative for details about plan coverage. 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 plan coverage. Please remember that only the plan contract can give actual terms, coverage, amounts and exclusions.

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 Primerica Associate Agreement.

Limited benefits available in New York, New Jersey, and Washington.

© 2010 Primerica/US/41511/12.10

For Internal Use Only. Primerica Legal Protection Program ™ Underwritten by Pre-Paid Legal...

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Transcript of For Internal Use Only. Primerica Legal Protection Program ™ Underwritten by Pre-Paid Legal...