Pre-paid Legal - A Genuine Review

Pre-Paid Legal is a successful network marketing company that allows customers to pay monthly into a group legal benefit program

. This allows them access to legal services on an on-call basis. This article examines the company to establish its validity.

The model is like that of a group insurance benefit where members pay premiums and have part of all of their medical bills paid for when they become sick or need surgery. In addition to providing this service to customers, Pre-Paid Legal is a business opportunity where people recruit others to sell memberships to the group benefit.

On July 11, 1969 Harland C. Stonecipher was involved in a motor vehicle accident and was hospitalized. The other party in the accident was cited for fault, but filed a lawsuit against him for the accident. Stonecipher hired a lawyer to defend himself in court, but in doing so, depleted his life savings. He later founded Pre-Paid Legal so that others wouldn't suffer personal financial loss when seeking legal services. Early on, the company was charged with misrepresenting retention rates of its members, which is an important factor in people's decisions to join. Because of this early controversy, Pre-Paid Legal is often labeled a scam by outsiders.

Whenever anyone signs up for any type of group membership, either as a customer or as a distributor, it is important to know what you are getting involved in. Membership in the program usually does not cover tort litigation, criminal cases, and are of little help in traffic cases. They are most useful in things like wills, letters, purchasing a car or home, or most recently, identity theft cases. Attorneys can charge quite a bit for these services, so paying a monthly premium of less than $30 can make it worthwhile if you have cases like this that need attention.

From a distributor's standpoint, in order not to feel as though you've signed up for a scam when joining Pre-Paid legal to sell its services, it is important to do your research ahead of time. The company has gotten bad press, so do your homework and read up on the controversies. They have had a great deal of success with their identity theft services, however, and this is a very timely and necessary product as identity theft rises exponentially each year.

As with medical insurance, signing up for Pre-Paid Legal as a customer is a bit of a crap shoot. One never knows what types of issues will crop up, if ever. Some services that the company provides actually cost less than the cost of several years worth of premiums. Some cost more. If you don't get your money's worth out of the services, it can be easy to consider Pre-Paid legal a scam.

The company's business model is legal and legitimate, and so are its services. Deciding whether to join, and at what level is an individual choice, and one that should be backed up with lots of time, consideration, and research.

by: Neil Ashworth

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