Primerica
Legal
Protection
™
Program
Underwritten by
Pre-Paid Legal Services®, Inc.
For Internal Use Only.
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.
For Internal Use Only.
The Product
What is PLPP?
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.
For Internal Use Only.
The Product
What is PLPP?
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.
For Internal Use Only.
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?
For Internal Use Only.
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.
For Internal Use Only.
Family and Group Plans
What’s the Difference?
Family Plan
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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

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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.
For Internal Use Only.
PLPP Family and Group Benefits
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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)
For Internal Use Only.
PLPP Benefits
Legal Consultations and Assistance Services
 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.
For Internal Use Only.
PLPP Benefits
Will 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
For Internal Use Only.
PLPP Benefits
Directive to Physician/Living Will
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-oftreatment 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.
For Internal Use Only.
PLPP Benefits
Durable Power of Attorney
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.
For Internal Use Only.
PLPP Benefits
Probate 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.
For Internal Use Only.
PLPP Benefits
Motor Vehicle-Related 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, drugrelated 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.
For Internal Use Only.
PLPP Benefits
Trial Defense 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-andrun, 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.
For Internal Use Only.
PLPP Benefits
IRS Audit Legal Services
 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.
For Internal Use Only.
PLPP Benefits
Contingency Fee Matters
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.
For Internal Use Only.
PLPP Benefits
All Other Legal Work
 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.
For Internal Use Only.
PLPP Benefits
Legal Shield (optional)
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.
For Internal Use Only.
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)
For Internal Use Only.
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 setup 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.
For Internal Use Only.
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.
For Internal Use Only.
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.
For Internal Use Only.
PLPP Marketing
PLPP Membership — New Business vs. Reinstatement
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.
For Internal Use Only.
PLPP Administration
Credits and Commissions
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.
For Internal Use Only.
PLPP Marketing
Changing Memberships
 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.
For Internal Use Only.
PLPP Marketing
Recruiting Pre-Paid Legal Representatives
 The Pre-Paid Legal representative must resign, in writing, to
Paid Legal Services, Inc.
Pre-
 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.
For Internal Use Only.
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.
For Internal Use Only.
PLPP Family Compensation
$25/mo. Program
Level
$20/mo. Program (NJ, WA & NY)
2 Yr. Advance
Yrs 3+
2 Yr. Advance
Yrs 3+
A.Rep/Rep
Sr. Rep
DIS
DIV
RL
RVP
$50
$60
$80
$90
$100
$125
0
0
0
0
0
$10
$40
$48
$64
$72
$80
$100
0
0
0
0
0
$8
1st
2nd
3rd
4th
5th
6th
Total
$10
$7
$4
$2
$1
$1
$150
$27
$13
$12
$7
$3
$3
$75
$8
$5
$3
$2
$1
$1
$120
$22
$11
$9
$6
$2
$2
$60
Commission payments shown are rounded to the nearest dollar.
For Internal Use Only.
PLPP Group
Why Employers Should Offer PLPP
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.
For Internal Use Only.
How PLPP Group can Benefit Employees
How Can Group PLPP Benefit Employees of a Business?
Employees with legal problems usually:
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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.
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For Internal Use Only.
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.
For Internal Use Only.
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.
For Internal Use Only.
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.
For Internal Use Only.
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.
For Internal Use Only.
Group Commissions
$23.95/mo. Program
Florida $25/mo. Program and receive family plan commissions
$18.95/mo.Program (NJ, WA & NY)
Level
2 Yr. Advance
Yrs 3+
2 Yr. Advance
Yrs 3+
1st
2nd
3rd
4th
5th
6th
Total
$10
$7
$4
$2
$1
$1
$145
$26
$12
$12
$7
$3
$3
$73
$8
$5
$3
$2
$1
$1
$115
$21
$11
$9
$6
$2
$2
$58
APFA/PFA
Sr. Rep.
DIS
DIV
RL
RVP
$48
$58
$77
$86
$96
$120
0
0
0
0
0
$10
Commission payments shown are rounded to the nearest dollar
For Internal Use Only.
$
$
$
$
$
$
38
46
61
68
76
95
0
0
0
0
0
$8
Primerica Incentive Trips
Qualify 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:
u Top 5 RVP Base Shop Producers
u Top 5 PLPP Personal Producers
For Internal Use Only.
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.
For Internal Use Only.
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 nonregulated states on POL/Support System/Protection
Management/PLPP US/Family/Group Plan.
*PLPP not available in Alaska, Massachusetts, Michigan, Puerto Rico and South Dakota.
For Internal Use Only.
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
For Internal Use Only.
Marketing Materials Available
Print Pieces
101 Reasons for PLPP (A9022)
101 Reasons for PLPP - Spanish (A9149)
PLPP Solution for Businesses (A9015)
PLPP Legal Solutions for Businesses NV, WA, NY (A9016)
PLPP Agent Brochure (A8917)
PLPP Spanish Agent Brochure (A9008)
PLPP Client Brochure (A8813)
PLPP Spanish Client Brochure (A8938)
PLPP Client Brochure for NY (A8784)
PLPP Client Brochure for NY - Spanish (A9148)
PLPP Client Brochure for WA (A8904)
PLPP Client Brochure for NJ (A8785)
PLPP Client Brochure for RI (A8988)
PLPP Training/Dual Disc-Video and Audio (V2507) Representative Use Only
Learn how to market to both families and Groups
For Internal Use Only.
$.10
$.10
$.25
$.40
$.40
$.40
$.15
$.15
$.15
$.15
$.15
$.15
$.15
$6
Want more Information on Marketing PLPP?
Visit:
www.primericaonline.com/supportsystem/protectionmanagement/plppus
E-mail:
us_plppmarketing@primerica.com
Call:
Primerica Field Marketing at (866) 711-5219
Product and Membership (Pre-Paid Legal) at (800) 426-9239
For Internal Use Only.
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 us_plppmarketing@primerica.com.
Every day you help families build towards financial success.
Now help them protect it. Get training for your team today!
For Internal Use Only.
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.