With all the lawsuits and identity theft that happen in today's society, more people are feeling the need for legal protection. Prepaid legal offers packages for legal services that are said to be more affordable than paying the retainer fee for an attorney. At the company's website, the packages are more clearly presented than the associate compensation plan. This review attempts to give an overview of what both the legal plans and the compensation for sales associates involve.



There are two categories of coverage that the company offers—identity theft protection plans and legal service plans. The identity theft protection plan is offered for a monthly fee of $9.95 or $12.95. The legal service plans have a range of prices with family plans that may be about $16 to $26 a month. There are other plans offered for businesses and drivers. The benefits are similar to an insurance plan offering access to legal counsel should a person need it. When the plans do not cover something, a 25% discount on legal services is offered through participating lawyers.

There are opposite reports when it comes to people who have bought the plans. Some say they have saved significant amounts of money and benefited from the free consultations included in the plans. Others are adamant that the monthly fees are a waste of money because of all the issues that are not covered. In the end, the services like drawing up a will are the most commonly used and valued benefit, but once this has been done, some argue that you might not be likely to use the service again. On the other hand, there are some whose circumstances may allow them to use it more frequently, and these are the people who recommend buying the prepaid plans.

Because you receive a commission ahead of time for each membership you sell, if someone drops their membership, you are charged for the number of months that went unfulfilled. For those who continue selling Prepaid Legal plans there is also a residual income option that kicks in after someone renews their annual membership. During the 45-day training period you become qualified after you make 5 membership sales or recruit 3 people to join the sales program. After this initial period, more sales are required if you still want to qualify and move beyond the rank of an associate in training.

In the end, whoever is selling these plans has the power to inform or mislead those who buy the memberships. Hopefully the company's incentives for renewals cause associates to make clear what customers are getting so that they will be happy enough to renew. This company is not the only one offering these kinds of prepaid services. If you believe you are likely to use them, it is worthwhile to check out and compare what other options are available for buying and selling these kinds of services.