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  • Report: #161353

Complaint Review: Primerica Prepaid Legal

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  • Submitted: Wed, October 19, 2005
  • Updated: Tue, December 26, 2006

  • Reported By:Fort Pierce Florida
Primerica Prepaid Legal
PO Box 145 Ada, Oklahoma U.S.A.
  • Phone: 800-4269239
  • Web:
  • Category: Lawyers

Primerica Financial Services: Research of its financial products & Business Opportunity. Primerica shows total commitment to resolve all issues & misunderstandings, committed to serving clients & agents. Rip-off Report investigates, finds most of what is posted is ridiculous like this title: Primerica Prepaid Legal Total Primerica Ripoff Ada Oklahoma *UPDATE: Rip-off Report Investigation examines the Company and its record of service to consumers and representatives

*Consumer Suggestion: COME ON.....

*UPDATE EX-employee responds: Responding to Anon (Ada)

*Consumer Comment: Please stop while you are behind

*UPDATE Employee: Robert

*UPDATE Employee: Robert

*UPDATE Employee: Robert

*UPDATE Employee: Robert

*Consumer Comment: None PPl Rep

*Consumer Comment: Do you do this with a stright face Anon?

*UPDATE Employee: This is to the EX Customer Service Rep in Antlers

*Consumer Comment: Primerica and Prepaid legal services

*UPDATE EX-employee responds: Primerica and PPL are the same company and more info for others

*UPDATE Employee: PPL is a great service!

*UPDATE Employee: PrePaid legal Standard Plan

*Consumer Suggestion: My Case..........

*UPDATE EX-employee responds: YOU ARE ALL MISSING THE CRUCIAL POINT

*UPDATE EX-employee responds: YOU ARE ALL MISSING THE CRUCIAL POINT

*UPDATE EX-employee responds: YOU ARE ALL MISSING THE CRUCIAL POINT

*UPDATE EX-employee responds: YOU ARE ALL MISSING THE CRUCIAL POINT

*Consumer Comment: Kim...this may be the secret

*Consumer Comment: PPL sues their own associates!!!?

*Consumer Comment: PPL sues their own associates!!!?

*Consumer Comment: PPL sues their own associates!!!?

*Consumer Comment: PPL sues their own associates!!!?

*Consumer Comment: It depends on how you use it.

*Author of original report: WRONG !

*UPDATE Employee: Analogies Correction!

*Author of original report: Analogies

*UPDATE Employee: What is PPLSI?

*UPDATE EX-employee responds: Simple resolution to this topic...

*Consumer Suggestion: get an IQ an learn how to read!

*Consumer Suggestion: get an IQ an learn how to read!

*Consumer Suggestion: get an IQ an learn how to read!

*Consumer Suggestion: get an IQ an learn how to read!

*UPDATE Employee: Please research your comments

*UPDATE EX-employee responds: logo is identical

*Consumer Comment: Pre Paid Legal is old news

*Author of original report: Once again you don't get it

*Author of original report: Once again you don't get it

*Author of original report: Once again you don't get it

*Author of original report: Once again you don't get it

*UPDATE Employee: Who sells what for whom?

*UPDATE EX-employee responds: Prior Response Clarification

*Author of original report: I think that you Primericans/Prepaid legal apologists are missing the point.

*UPDATE Employee: Pre Paid Legal and Primerica's Legal Protection Program

*Consumer Comment: LOL @ "CRIMERICA"!!

*UPDATE EX-employee responds: Rebutting Salvatore (East Haven) ..Saying that prepaid legal and Crimerica are two different entities doesn't let Crimerica off the hook.

*Consumer Comment: I get your point Anthony

*UPDATE EX-employee responds: A proven relationship exists with PPL, that this the point

*Consumer Comment: Again, not the same company...

*Consumer Comment: OK SURE MIKE... If you really can't handle a little rudeness and sarcasm then stay off these forums, because there is a lot of it here.

*UPDATE EX-employee responds: Response to Salvatore's comment

*Author of original report: Primerica PrePaid Legal does exist!

*Consumer Comment: WHAT THE... ROY?

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EDitor's Comment: Rip-off Report Investigation: Primerica gets a POSITIVE RATING in customer support from Rip-off Report and is fulfilling its commitment to provide excellent customer service. Primerica pledges to resolve complaints and address representative issues. For a long time this EDitor had concerns about Primerica because of the number of Reports about them. For many months Rip-off Report was looking into the company, even before they contacted us to resolve any issues and mostly misunderstandings being posted by competitors. With over 100,000 representatives and 6 million clients, Primerica is bound to be the subject of a certain number of complaints about improper agent conduct, as well as product and administrative complaints. Rip-Off's investigation found such complaints, but importantly also found that Primerica is committed to resolving such complaints quickly and doing everything possible to satisfy its clients. It also takes appropriate action against any of its representatives who are found to have conducted themselves improperly or unethically. We believe that the number of complaints against this company, whether through the Internet or other channels, is small when put into the context of its enormous size. Most big companies would never commit themselves like Primerica has. Read our investigative Report and Primerica's commitment to 100% consumer satisfaction. www.primerica.com provides products and services through independent representatives. Primerica www.primerica.com has more than 100,000 licensed representatives who serve more than 6 million clients in the U.S., Canada, Puerto Rico, Spain and the United Kingdom. Through a Financial Needs Analysis www.primericafna.com, the companys representatives provide a snapshot of a familys financial picture and suggest a strategy for financial security via Primericas products and services www.primericafinancialsolutions.com. Primericas business opportunity is attractive to people from many different backgrounds, including women www.womeninprimerica.com, African-Americans www.primericaaalc.com, Hispanics www.primericalatino.com and young adults www.generationprimerica.com.


Primericas Prepaid Legal is a total ripoff. Basically you pay $300 per year for the privilege of talking to an attorney for around 10 minutes, who then refers you to a "local" attorney, who then deducts 25% off his hourly rate. I recently consulted them over a civil action I am considering taking, after about 10 minutes the "Attorney" (though it could have been a para-legal for the advice given was not particularly useful)referred me to a local attorney who said he would only charge me $225 per hour. I decided to call a couple of Attorneys in the Yellow pages, both said on the strength of my case they would take it on contingency, meaning free and they are paid on the judgement if we prevail. Now why am I paying $300 per year to Primerica when the yellow pages are free. Do yourselves a favor consumers don't get taken in by the slick Primerica marketing, this is a total con and as with most Primerica products check around as their rates are way above other companies. Roy Fort Pierce, Florida
U.S.A.

This report was posted on Ripoff Report on 10/19/2005 03:36 PM and is a permanent record located here: http://www.ripoffreport.com/r/Primerica-Prepaid-Legal/Ada-Oklahoma-74820/Primerica-Financial-Services-Research-of-its-financial-products-Business-Opportunity-P-161353. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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REBUTTALS & REPLIES:
0Author 54Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

COME ON.....

AUTHOR: Jeremy - (U.S.A.)

I don't know why I am even responding to this as many of your responses are ludicrous.



I hope you get what it is that you are looking for and that you have learned from this and will use it to never be "TAKEN" again! I hope that everyone else will take this as a learning experience and do some personal homework before purchasing.



Remember that being an educated consumer is YOUR BEST DEFENSE.



YOU ALL REALIZE THAT YOU WILL ALMOST NEVER BUY ANYTHING DIRECTLY FROM THE MANUFACTURER(Auto Ins, Health Ins, Life Ins, Investments, Legal Svc or consumables) YOU WILL ALMOST ALWAYS BUY IT FROM A DISTRIBUTOR. GAS, FOOD, CIGARRETTES, ALCOHOL, BUILDING MATERIALS, CARS, CLOTHING ETC THEY ARE ALL SOLD THIRD PARTY.



Your Primerica policy may or may not have been the same as a Pre-Paid Legal Plan. Primerica may have a "special discount legal plan" that has no resemblance of the normal PPL Plans. Pre-Paid Law firms are obligated to offer service that they have been contracted to provide.



If the service sold to you did not come with any hard copy paperwork for you to keep, you should have thought twice about purchasing it. In this world today lying, cheating and stealing are all acceptable sales tactics.



Before you buy anything (especially long term products) get as much information from your sales rep and then go home and do some research on the item you are looking at. Go to Better Business Bureau and the local Chamber of Commerce for the Business you are interested in. Here they will offer you the information on complaint history and background that may help you avoid being here today.



I am a consumer just like the rest of you and hope that we have all learned from this to BE EDUCATED ABOUT WHAT WE ARE DOING!
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#2 UPDATE EX-employee responds

Responding to Anon (Ada)

AUTHOR: Stuart - (U.S.A.)

Two things:



"Let me show you the different websites for the two companies. www.prepaidlegal.com and www.primerica.com." "They also have two different CEO's. Harland Stonecipher is the founder, CEO, and chairman of the board for PPL." So what about Crimerica and Citigroup? Two different companies

(Crimerica's a sub of Citigroup) with different heads). Yet they are affiliated.



Even worse, on the form it says "Primerica Legal Protection Program" with a trademark. It doesn't say Primerica and Prepaid Legal nor anything to indicate two different entities and I wonder how a judge would view this if someone were to take Crimerica to court for misrepresentation?
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#3 Consumer Comment

Please stop while you are behind

AUTHOR: Robert - (U.S.A.)

"It also proves your ignorance in the fact that you claim that Primerca and PPL are the same companies. They are totally different. Primerica sells a lot of different products and PPL just happens to be one of them."



"Primerica is just a company that wants to make a little money by being an independent associate of Pre-Paid Legal by marketing the memberships."



You're just too funny. You keep saying they have nothing to do with each other...then immediately prove your point by stating one sells the other.



You have to stop. I'm getting a stitch from laughing too hard.



Try and prove the two companies are NOT in cahoots with each other by showing how they have NOTHING to do with each other.



Oh wait...You can't do that.
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#4 UPDATE Employee

Robert

AUTHOR: Anon - (U.S.A.)

Well it seems very clear to me. You seem to be the confused one. Let me show you the different websites for the two companies. www.prepaidlegal.com and www.primerica.com. Primerica is just a company that wants to make a little money by being an independent associate of Pre-Paid Legal by marketing the memberships.



I don't think I can make it anymore simple than that. Now go read about it before you make anymore uneducated comments. They also have two different CEO's. Harland Stonecipher is the founder, CEO, and chairman of the board for PPL. Now if you just do a little reading it will be come really clear for you. It seems that your another person that makes statements before your homework is done.
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#5 UPDATE Employee

Robert

AUTHOR: Anon - (U.S.A.)

Well it seems very clear to me. You seem to be the confused one. Let me show you the different websites for the two companies. www.prepaidlegal.com and www.primerica.com. Primerica is just a company that wants to make a little money by being an independent associate of Pre-Paid Legal by marketing the memberships.



I don't think I can make it anymore simple than that. Now go read about it before you make anymore uneducated comments. They also have two different CEO's. Harland Stonecipher is the founder, CEO, and chairman of the board for PPL. Now if you just do a little reading it will be come really clear for you. It seems that your another person that makes statements before your homework is done.
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#6 UPDATE Employee

Robert

AUTHOR: Anon - (U.S.A.)

Well it seems very clear to me. You seem to be the confused one. Let me show you the different websites for the two companies. www.prepaidlegal.com and www.primerica.com. Primerica is just a company that wants to make a little money by being an independent associate of Pre-Paid Legal by marketing the memberships.



I don't think I can make it anymore simple than that. Now go read about it before you make anymore uneducated comments. They also have two different CEO's. Harland Stonecipher is the founder, CEO, and chairman of the board for PPL. Now if you just do a little reading it will be come really clear for you. It seems that your another person that makes statements before your homework is done.
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#7 UPDATE Employee

Robert

AUTHOR: Anon - (U.S.A.)

Well it seems very clear to me. You seem to be the confused one. Let me show you the different websites for the two companies. www.prepaidlegal.com and www.primerica.com. Primerica is just a company that wants to make a little money by being an independent associate of Pre-Paid Legal by marketing the memberships.



I don't think I can make it anymore simple than that. Now go read about it before you make anymore uneducated comments. They also have two different CEO's. Harland Stonecipher is the founder, CEO, and chairman of the board for PPL. Now if you just do a little reading it will be come really clear for you. It seems that your another person that makes statements before your homework is done.
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#8 Consumer Comment

None PPl Rep

AUTHOR: Kevin - (U.S.A.)

Roy I'm sorry you feel that you got taken.

I think all of you are missing the point.



The author said That PPL did not cover his civil action for free. Of course not the coverage is criminal actions, legal letters, some advice and some other accumulative benefits. It covers Discounts on civil action. Like any insurance it is not for the insured to make a profit. If you got a free attorney and won the case you would profit from the insurance part as well as the law suite. All insurance is designed to make you financially whole again not to make you rich.



The author is made because he did not read or understand the contract.



If the author did some investigation on the Free lawyer he may not be so apt to take it do some math. Free = 33%+ costs the hrs the attorney put in (lets say 50 hrs 50 x $225 = $11,250) if he won $100,000 = ($100,000 - $33,333.33 11,250 = $55,416.67) yes these numbers are hypothetical but they are a realistic of a FREE attorney.



Be aware of fast talking attorneys.

Any thing I got for free cost me more than I bargained for. We live in the real world the free attorney is gambling on your case Ether way you go pay the attorneys up front or after you are gambling it's your choice.



As for them referring you to a local attorney that attorney was probable on retainer just like the big firm in your state just closer to where all the work will be done.



Do all your home work. Read the contract, do the math and make an Informed decision. I am a Primerica rep in Michigan where we do not sell PPL I have it and I read the Brochure before I bought it.
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#9 Consumer Comment

Do you do this with a stright face Anon?

AUTHOR: Robert - (U.S.A.)

"It also proves your ignorance in the fact that you claim that Primerca and PPL are the same companies. They are totally different. Primerica sells a lot of different products and PPL just happens to be one of them."



You first say they have nothing to do with each other. Then you say one sells the other.



Do you even read what you type? Do you understand the words that are coming out of your keyboard?



You're just too much.
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#10 UPDATE Employee

This is to the EX Customer Service Rep in Antlers

AUTHOR: Anon - (U.S.A.)

I really wish you would not comment on the marketing side of Pre-Paid Legal. This is an area that does not concern CSR's, which is the position you held in the company. I can tell you exactly why you were fired, since it appears that this simple fact evades you. It is against policy for you to send a potential member to your website to sign up for the membership. You were fired for violating company policy. You know you should have completed a lead action form and the lead would have been sent out to a PPL Associate that earned it. You have to be at director level, subscribe to esvc, qualified for players club, and when its your turn you will get a lead.



You abused your position for personal gain and did not follow company policy. I would have fired you too. It also proves your ignorance in the fact that you claim that Primerca and PPL are the same companies. They are totally different. Primerica sells a lot of different products and PPL just happens to be one of them. I am part of the corp marketing staff in Ada, OK. You really should not make comments on the part of PPL that you have no knowledge of.
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#11 Consumer Comment

Primerica and Prepaid legal services

AUTHOR: Todd - (U.S.A.)

I wish people would do their research before bashing others Pre-Paid legal services inc and primerica inc are two seperate companies. As an associate with primerica you can write prepaid legal policies which are underwritten by prepaid legal.



First off I want to say that I am a college student and do have a prepaid legal membership and have used it many different times sometimes liking the outcome other times not so much. The one thing that I do love more than anything is the fact that i have access to an attorney 24 hours a day if the need arises. ie. pulled over by an officer and he is harrasing me for no reason which has not happened.



I do have very close ties with prepaid legal and have meet the ceo's for both compainies I know that they are in cahoots to quote Stuart. In fact from unconfirmed reports the ceo of primerica was the person that gave the ceo of prepaid legal the idea to become a mlm company which they were not at the begining.



Roy I'm sorry that you had a bad experience with the attorneys but that is why prepaid legal has such a great customer service department. I recomend to everyone to use them if you have a problem.



Finally guess what sometimes the law is not in your favor and if you are going to buy a product read the fine print and learn what the product provides. I personaly love my Pre-paid Legal membership and will never be with out it just as i will never be with out car insurance, Renters/house insurance, health insurance and life insurance
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#12 UPDATE EX-employee responds

Primerica and PPL are the same company and more info for others

AUTHOR: Brandon - (U.S.A.)

Salveretardo, Primerica and PPL are the same companies. I think I would know seeing how I used to work in their call center in Antlers. (Yes they do have one there idiot.) Primerica members used to call in all the time. How else would he get the PPL letter head on his letter moron. Vanessa Glass was one of the "big wigs" in the office there. Want some more names, to stick in your pipe and smoke on? Jennifer Mickel, used to be a supervisor there (at the time I worked there), Arlette Michan was the the Quality Assurance Supervisor (at the time I worked there).



For those of you who needed help with Civil cases and such. Their little plan was designed specificially for traffic tickets and accidents. Most of these people selling this crap lead you to believe that "every legal matter is covered". Trust me, I used to be one of the people you members would call and yell at about it.



Its not something for handling real-estate (sorry Roy) atleast not under the benefits of the plan. I am guessing they still do not send anything to you in the mail explaining the plan, or even try to really help you understand what you paid for. Because ultimately no company wants to say "Yes, our associate lied to you Mr. So and So". Because then they could be held liable for refunding your money. Trust me on this, they used to tell us people on the phones in the office all the time to watch what we say, because it could "cost us millions". I once got my butt reemed so bad just for telling a member that she was wrong about a question on her billing of her plan on her bank account. And it wasn't the fact that she was wrong (because she was, Supervisors backed me up on that) but, the way that I told her she was wrong. Which finally after almost 7 minutes of explaining it to her, and her not understanding, I just said "NO! You are wrong!"



Anyways, thats the way it works. Basically if it is pre-existing (if its not on paper dont tell the attorneys it is) and if its anything other than traffic violations or an accident (has to be a 100% legal vehicle tags, inspection, insurance) and legal driver (you or another person on your plan). Anything else is at their regular book or hourly rate minus 25% discount. In other words, better of finding your own attorney by that time. As Roy mentioned, most attorneys will do things like in his case on a contingency basis. In other words, if you don't win, you don't pay anything at all. If you dont like your provider attorneys answer to your question, if it is a covered matter. Call another attorney, get a second opinion. Almost every attorney who can afford to be listed in the phone book gives a free consultation.



I was fired for selling the membership, literally. Some associate claimed I stole his member when the member called in to the customer care center, asking for ANY website to sign up for Pre-Paid Legal. I gave him mine and was fired. Apparently that associate did not have his own website and apparently no other means of signing this person up. I was FIRED. Then told I could still sell under my associates package. It sits in my storage unit, probably all ruined (which is fine) where it will stay because I will never lift a finger to sell anything for them again.



As the one person mentioned earlier, numbers are still on their side for now. Sooner or later the other 290 million will all be on here as well. Telling their stories about being "shafted". Consumers, be sure to understand what you are buying from the vulture associate.



Salveretardo, get a life. Primerica and Pre-Paid Legal are the same damn company. They may have different reps, but the same company. Call them sometime and ask before posting your moronic thoughts on here...okay?



P.S. - Roy sorry to hear that your attorney did that to you. Your associate who signed you up for the plan should have informed you of what is and whats not covered under plan benefit.
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#13 UPDATE Employee

PPL is a great service!

AUTHOR: Cat - (U.S.A.)

Our family has benefitted greatly from our three years with PPL! I have spoken with a local attorney every time I've calleed, and gotten concrete advice to resolved various issues. We've had traffic tickets dismissed, and received advice on how to handle a photo-light violation. We had our wills drawn up for FREE.



I'm sorry your one experience didn't live up to your expectations, but it's stated clearly in the contract that attorney fees are REDUCED. The 10-minute free calls to an attorney are worth 25 bucks a month to me! I used it numerous times. They've saved me so much money.



Oh, and as EVERYONE knows, Primerica doesn't own PPL. Primerica only owns a life insurance company (and won't for much longer, as they're selling it, or have already sold it). Every solution Primerica provides, whether PPL, long-term care ins., investments, mortgages, or what-have-you are ALL owned by other companies. Primerica acts as a go-between. Primerica offers PPL at a reduced rate because they have an agreement with PPL. Call PPL to see how much it would cost if you bought it as a consumer.



Again, it's too bad your expectations surpassed the contract you signed. But, I really do wish you the best finding good legal counsel for you situation.
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#14 UPDATE Employee

PrePaid legal Standard Plan

AUTHOR: Rev Carole - (U.S.A.)

I am a Pre-Paid Legal Independent Associate.



In reading your letter Roy, and the responses,

I didn't see anyone address the membership plan.



There are 2 plans in which you could have been signed up for.



1. Standard Plan

2. Expanded Plan



I am going to assume since you stated that you paid $300.00 for the Legal plan, that you have the Expanded Plan.



Was this is a pre-exsisting situation? in other words did you have this situation prior to signing with PPL? If you did, the person signing you up, should have told you, you might have to pay a 25% fee to use the PPL attorney and that the PPL Attorney can recommend other Attorney's in your area at a 25% discount.



To quote from the "Pre-Paid Legal Fast Trac Sucess Training Manual"

Page 17

Additional information and exclusions:



1. If the lawsuit was filed because of something that occurred prior to enrollment or because of conditions that were reasonably anticipated or foreseeable prior to enrollment, then the lawsuit is excluded from the Trial Defense benefit. This exclusion applies even if the lawsuit is filed after the effective date of the membership. These lawsuits are covered under the preferred member discount.



2. When legal assistance required for a member's civil or job related criminal charges will exceed the hours avaiable in the plan contract, the member will be required to pay the provider firm a retainer fee prior to the provider firm rendering service. The member will receive a discount rate of 25% off the provider firm's standard hourly rate on the retainer fee. The firm will base the amount of the retainer on any excess hours required beyond those provided in the plan contract.



The Trial Defense benefit is part of the expanded plan, so is the Preferred member discount.



Now under The Preferred Member Discount

Page 19

Pre-Paid Legal Fast Trac Sucess Training Manual



WHAT THIS BENEFIT OFFERS:

2. However in the event members need more intensive legal representation and assistance, they will receive assistance at a preferred member rate of 25% off their provider law firm's standard hourly rate.



In that catagory under:

ADDITIONAL INFORMATION AND EXCLUSIONS:

Page 19



1. lists issues which could be discounted (too many for me to list here)

#3 Rates may vary, depending on the type of assistance and area of law required.



When you signed up with PPL the person signing you up should have been trained as to what your options were.



If it was not a pre exsisting situation, then it falls under the preferred Membership #2 you may have needed more extensive legal services.



It may have been an excluded situation, if your situation would have been excluded, you could have called member services, they would have been able to tell you if it was or not. Even at that the PPL Attorney should have explained to you why he was referring you to another Attorney.



If you were unhappy with the service you received from the PPL Attorney, Prepaid legal wants to know, you can call customer service at PPL and complain to them, They can and often times will refer you to another PPL Attorney within the Legal plan.



Sometimes for convience to you the customer. The attorney will refer you to an attorney in your local area, in which it may be easier for you to get to.



I have the PPL plan myself, they did that for me, because I would have to drive quite aways to meet with the PPL Attorney's and still be paying the 25% discount rate, it was better for me to meet with an Attorney in my area at the 25% discount.



Pre-Paid Legal is a good company, It has a lot to it. I have been with this co for about 3 years, I am still learning about the plans etc. I hope this sheds some light on the subject,

I hope I didn't confuse further.



I do not know about the primerica, It sounds to me like they are selling PPL under their name Primerica, If they are selling PPL, I have given you what PPL policy's are in the area you were concerned about. I do not think Primerica is authorized to change any of the policy's of PPLS.
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#15 Consumer Suggestion

My Case..........

AUTHOR: Roy - (U.S.A.)

is on going the contingancy lawyer is working in conjunction with the insurance company lawyer, his percentage is 15% from me. Say what you like about me, my case or my situation Pre Paid Legal and Primericas reps. have a moral obligation to explain what their service actually covers. Oh and get this a few weeks ago the Primerica rep. called me and invited me to a Primerica "evening", this is how clueless this person is, now why would anyone trust this guy with their financial future ?
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#16 UPDATE EX-employee responds

YOU ARE ALL MISSING THE CRUCIAL POINT

AUTHOR: Dexter - (U.S.A.)

YOU ALL MISSED THAT ROY FELT THAT THE PLAN HE GOT WASNT WORTH THE 300 BUCKS HE WAS PAYING.



WHAT HE DIDNT SAY WAS THAT AFTER HE CALLED THE LAWYER AND HAD ONLY TEN MINUTES WORTH OF STUFF TO TALK ABOUT, HE WAS LED TO ANOTHER LAWYER BECAUSE WHAT HE NEEDED WAS NOT COVERED BY THE PLAN HE PAID FOR.



IF YOU GET A "TRIPLE A" ROAD SERVICE PLAN THEY WILL JUMP START YOUR CAR OR TOW YOU TO A SERVICE STATION. YOU PAY FOR THAT. THEY WILL NOT REPAIR YOUR ENGINE. YOU DONT PAY ENOUGH FOR THAT.



I LEFT PRIMERICA 4 YEARS AGO AND STILL THINK OF IT EVERY DAY. THEY TAUGHT ME HOW TO RUN A BUSINESS, NOW I DO.



I REMEMBER MY FIRST PPL CUSTOMER. IT WAS ME! I BOUGHT THE PLAN AND SPOKE WITH AN ATTORNEY FOR 45 MINUTES THE FIRST TIME AND 25 MINUTES THE SECOND TIME ABOUT CHILD CUSTODY. THEN AGAIN ABOUT A BLATANTLY FALSE REPAIR ON MY CAR. I DIDNT GET A FREE CONSULTATION ABOUT MY CAR, PPL'S LAWYER WROTE A LETTER TO THE GARAGE WHO CUT ME A $581. CHECK IN 2 DAYS AFTER I TRIED TALKING TO THE GARAGE FOR TWO WEEKS BEFORE CALLING PFS. THE WHOLE POINT OF PPL (WHICH IS NOT THE SAME COMPANY BUT FITS UNDER THE UMBRELLA OF A NEEDED PRODUCT FOR THE NON FINANCIALLY EDUCATED GENERAL PUBLIC SO THEREFORE PFS OFFERED THE PLAN), THE WHOLE POINT IS IF I DIDNT HAVE THE PPL CARD I WOULD NEVER HAVE GOTTEN A LAWYER. I WOULD HAVE TAKEN THEM TO SMALL CLAIMS COURT AND WASTED HOURS OF MY TIME OR MORE LIKELY CHALKED IT UP AS EXPERIENCE AND MOVED ON.

ALSO NOT MENTIONED IS AFTER ROY HAD TEN MINUTES WORTH OF QUESTIONS HE STILL HAD IN INFINITE NUMBER OF POSSIBLE MATTERS TO ASK ABOUT OVER THE REST OF THE YEAR. ALSO YOU DONT GET A 'WILL DOCUMENT' WHEN YOU CALL FOR A 'FREE CONSULTATION'. SO YOU ARE GETTING SOMETHING FOR YOUR $300 ..ERR $240 THAT ROY SIMPLY HASNT TAKEN ADVANTAGE OF. THE HOPES ARE THAT HE WILL NEVER NEED THE SERVICES JUST LIKE YOUR NO FAULT INSURANCE.



AGAIN ITS ALL PART OF A PACKAGE OF FINANCIAL EDUCATION AND PRODUCTS THAT HAVE SAVED SO MANY FAMILIES FROM FINANCIAL RUIN. LIKE MINE, AND A FEW FRIENDS, ANDS A LOT OF PEOPLE WHO BECAME FRIENDS. MY PICTURE IS ON THE WEBSITE BECAUSE I SAVED A DRY CLEANER ABOUT 200 BUCKS A MONTH ON HIS INSURANCE. HE HEARD ME TALKING TO SOMEONE ELSE ABOUT PRIMERICA AND HE JUMPED IN TO SAY THE AGENT BEFORE ME SAVED HIM 1,100 A YEAR ON HIS BUSINESS CAR INSURANCE. ITS NOT THAT WE HAVE CHEAPER INSURANCE THAN THE OTHER COMPANY, THEY JUST SOLD HIM THE HIGH COMMISSION STUFF THAT HE DIDNT EVEN NEED. THE POLICY HE NEEDED WAS ABOUT 69 BUCKS A MONTH. I STILL REMEMBER IT 9 YEARS LATER AND HIS SON, NOW A MAN, SHAKES MY HAND EVERY TIME I WALK BY.



ALSO ROY, DID YOUR 'FEE UPON CONTINGENCY' LAWYER ACTUALLY TAKE YOUR CASE? WAS THERE ANYTHING LEFT OVER AFTER THE 'FEE' AND THE 'FEES' AND ALL THE 'FEES' WERE TAKEN TO OFFSET THE COST OF ALL THE 'FEES' LOST WHEN CASES ARENT WON?



STILL TRYING TO GET SOMETHING FOR NOTHING????

REALLY NOW.
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#17 UPDATE EX-employee responds

YOU ARE ALL MISSING THE CRUCIAL POINT

AUTHOR: Dexter - (U.S.A.)

YOU ALL MISSED THAT ROY FELT THAT THE PLAN HE GOT WASNT WORTH THE 300 BUCKS HE WAS PAYING.



WHAT HE DIDNT SAY WAS THAT AFTER HE CALLED THE LAWYER AND HAD ONLY TEN MINUTES WORTH OF STUFF TO TALK ABOUT, HE WAS LED TO ANOTHER LAWYER BECAUSE WHAT HE NEEDED WAS NOT COVERED BY THE PLAN HE PAID FOR.



IF YOU GET A "TRIPLE A" ROAD SERVICE PLAN THEY WILL JUMP START YOUR CAR OR TOW YOU TO A SERVICE STATION. YOU PAY FOR THAT. THEY WILL NOT REPAIR YOUR ENGINE. YOU DONT PAY ENOUGH FOR THAT.



I LEFT PRIMERICA 4 YEARS AGO AND STILL THINK OF IT EVERY DAY. THEY TAUGHT ME HOW TO RUN A BUSINESS, NOW I DO.



I REMEMBER MY FIRST PPL CUSTOMER. IT WAS ME! I BOUGHT THE PLAN AND SPOKE WITH AN ATTORNEY FOR 45 MINUTES THE FIRST TIME AND 25 MINUTES THE SECOND TIME ABOUT CHILD CUSTODY. THEN AGAIN ABOUT A BLATANTLY FALSE REPAIR ON MY CAR. I DIDNT GET A FREE CONSULTATION ABOUT MY CAR, PPL'S LAWYER WROTE A LETTER TO THE GARAGE WHO CUT ME A $581. CHECK IN 2 DAYS AFTER I TRIED TALKING TO THE GARAGE FOR TWO WEEKS BEFORE CALLING PFS. THE WHOLE POINT OF PPL (WHICH IS NOT THE SAME COMPANY BUT FITS UNDER THE UMBRELLA OF A NEEDED PRODUCT FOR THE NON FINANCIALLY EDUCATED GENERAL PUBLIC SO THEREFORE PFS OFFERED THE PLAN), THE WHOLE POINT IS IF I DIDNT HAVE THE PPL CARD I WOULD NEVER HAVE GOTTEN A LAWYER. I WOULD HAVE TAKEN THEM TO SMALL CLAIMS COURT AND WASTED HOURS OF MY TIME OR MORE LIKELY CHALKED IT UP AS EXPERIENCE AND MOVED ON.

ALSO NOT MENTIONED IS AFTER ROY HAD TEN MINUTES WORTH OF QUESTIONS HE STILL HAD IN INFINITE NUMBER OF POSSIBLE MATTERS TO ASK ABOUT OVER THE REST OF THE YEAR. ALSO YOU DONT GET A 'WILL DOCUMENT' WHEN YOU CALL FOR A 'FREE CONSULTATION'. SO YOU ARE GETTING SOMETHING FOR YOUR $300 ..ERR $240 THAT ROY SIMPLY HASNT TAKEN ADVANTAGE OF. THE HOPES ARE THAT HE WILL NEVER NEED THE SERVICES JUST LIKE YOUR NO FAULT INSURANCE.



AGAIN ITS ALL PART OF A PACKAGE OF FINANCIAL EDUCATION AND PRODUCTS THAT HAVE SAVED SO MANY FAMILIES FROM FINANCIAL RUIN. LIKE MINE, AND A FEW FRIENDS, ANDS A LOT OF PEOPLE WHO BECAME FRIENDS. MY PICTURE IS ON THE WEBSITE BECAUSE I SAVED A DRY CLEANER ABOUT 200 BUCKS A MONTH ON HIS INSURANCE. HE HEARD ME TALKING TO SOMEONE ELSE ABOUT PRIMERICA AND HE JUMPED IN TO SAY THE AGENT BEFORE ME SAVED HIM 1,100 A YEAR ON HIS BUSINESS CAR INSURANCE. ITS NOT THAT WE HAVE CHEAPER INSURANCE THAN THE OTHER COMPANY, THEY JUST SOLD HIM THE HIGH COMMISSION STUFF THAT HE DIDNT EVEN NEED. THE POLICY HE NEEDED WAS ABOUT 69 BUCKS A MONTH. I STILL REMEMBER IT 9 YEARS LATER AND HIS SON, NOW A MAN, SHAKES MY HAND EVERY TIME I WALK BY.



ALSO ROY, DID YOUR 'FEE UPON CONTINGENCY' LAWYER ACTUALLY TAKE YOUR CASE? WAS THERE ANYTHING LEFT OVER AFTER THE 'FEE' AND THE 'FEES' AND ALL THE 'FEES' WERE TAKEN TO OFFSET THE COST OF ALL THE 'FEES' LOST WHEN CASES ARENT WON?



STILL TRYING TO GET SOMETHING FOR NOTHING????

REALLY NOW.
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#18 UPDATE EX-employee responds

YOU ARE ALL MISSING THE CRUCIAL POINT

AUTHOR: Dexter - (U.S.A.)

YOU ALL MISSED THAT ROY FELT THAT THE PLAN HE GOT WASNT WORTH THE 300 BUCKS HE WAS PAYING.



WHAT HE DIDNT SAY WAS THAT AFTER HE CALLED THE LAWYER AND HAD ONLY TEN MINUTES WORTH OF STUFF TO TALK ABOUT, HE WAS LED TO ANOTHER LAWYER BECAUSE WHAT HE NEEDED WAS NOT COVERED BY THE PLAN HE PAID FOR.



IF YOU GET A "TRIPLE A" ROAD SERVICE PLAN THEY WILL JUMP START YOUR CAR OR TOW YOU TO A SERVICE STATION. YOU PAY FOR THAT. THEY WILL NOT REPAIR YOUR ENGINE. YOU DONT PAY ENOUGH FOR THAT.



I LEFT PRIMERICA 4 YEARS AGO AND STILL THINK OF IT EVERY DAY. THEY TAUGHT ME HOW TO RUN A BUSINESS, NOW I DO.



I REMEMBER MY FIRST PPL CUSTOMER. IT WAS ME! I BOUGHT THE PLAN AND SPOKE WITH AN ATTORNEY FOR 45 MINUTES THE FIRST TIME AND 25 MINUTES THE SECOND TIME ABOUT CHILD CUSTODY. THEN AGAIN ABOUT A BLATANTLY FALSE REPAIR ON MY CAR. I DIDNT GET A FREE CONSULTATION ABOUT MY CAR, PPL'S LAWYER WROTE A LETTER TO THE GARAGE WHO CUT ME A $581. CHECK IN 2 DAYS AFTER I TRIED TALKING TO THE GARAGE FOR TWO WEEKS BEFORE CALLING PFS. THE WHOLE POINT OF PPL (WHICH IS NOT THE SAME COMPANY BUT FITS UNDER THE UMBRELLA OF A NEEDED PRODUCT FOR THE NON FINANCIALLY EDUCATED GENERAL PUBLIC SO THEREFORE PFS OFFERED THE PLAN), THE WHOLE POINT IS IF I DIDNT HAVE THE PPL CARD I WOULD NEVER HAVE GOTTEN A LAWYER. I WOULD HAVE TAKEN THEM TO SMALL CLAIMS COURT AND WASTED HOURS OF MY TIME OR MORE LIKELY CHALKED IT UP AS EXPERIENCE AND MOVED ON.

ALSO NOT MENTIONED IS AFTER ROY HAD TEN MINUTES WORTH OF QUESTIONS HE STILL HAD IN INFINITE NUMBER OF POSSIBLE MATTERS TO ASK ABOUT OVER THE REST OF THE YEAR. ALSO YOU DONT GET A 'WILL DOCUMENT' WHEN YOU CALL FOR A 'FREE CONSULTATION'. SO YOU ARE GETTING SOMETHING FOR YOUR $300 ..ERR $240 THAT ROY SIMPLY HASNT TAKEN ADVANTAGE OF. THE HOPES ARE THAT HE WILL NEVER NEED THE SERVICES JUST LIKE YOUR NO FAULT INSURANCE.



AGAIN ITS ALL PART OF A PACKAGE OF FINANCIAL EDUCATION AND PRODUCTS THAT HAVE SAVED SO MANY FAMILIES FROM FINANCIAL RUIN. LIKE MINE, AND A FEW FRIENDS, ANDS A LOT OF PEOPLE WHO BECAME FRIENDS. MY PICTURE IS ON THE WEBSITE BECAUSE I SAVED A DRY CLEANER ABOUT 200 BUCKS A MONTH ON HIS INSURANCE. HE HEARD ME TALKING TO SOMEONE ELSE ABOUT PRIMERICA AND HE JUMPED IN TO SAY THE AGENT BEFORE ME SAVED HIM 1,100 A YEAR ON HIS BUSINESS CAR INSURANCE. ITS NOT THAT WE HAVE CHEAPER INSURANCE THAN THE OTHER COMPANY, THEY JUST SOLD HIM THE HIGH COMMISSION STUFF THAT HE DIDNT EVEN NEED. THE POLICY HE NEEDED WAS ABOUT 69 BUCKS A MONTH. I STILL REMEMBER IT 9 YEARS LATER AND HIS SON, NOW A MAN, SHAKES MY HAND EVERY TIME I WALK BY.



ALSO ROY, DID YOUR 'FEE UPON CONTINGENCY' LAWYER ACTUALLY TAKE YOUR CASE? WAS THERE ANYTHING LEFT OVER AFTER THE 'FEE' AND THE 'FEES' AND ALL THE 'FEES' WERE TAKEN TO OFFSET THE COST OF ALL THE 'FEES' LOST WHEN CASES ARENT WON?



STILL TRYING TO GET SOMETHING FOR NOTHING????

REALLY NOW.
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#19 UPDATE EX-employee responds

YOU ARE ALL MISSING THE CRUCIAL POINT

AUTHOR: Dexter - (U.S.A.)

YOU ALL MISSED THAT ROY FELT THAT THE PLAN HE GOT WASNT WORTH THE 300 BUCKS HE WAS PAYING.



WHAT HE DIDNT SAY WAS THAT AFTER HE CALLED THE LAWYER AND HAD ONLY TEN MINUTES WORTH OF STUFF TO TALK ABOUT, HE WAS LED TO ANOTHER LAWYER BECAUSE WHAT HE NEEDED WAS NOT COVERED BY THE PLAN HE PAID FOR.



IF YOU GET A "TRIPLE A" ROAD SERVICE PLAN THEY WILL JUMP START YOUR CAR OR TOW YOU TO A SERVICE STATION. YOU PAY FOR THAT. THEY WILL NOT REPAIR YOUR ENGINE. YOU DONT PAY ENOUGH FOR THAT.



I LEFT PRIMERICA 4 YEARS AGO AND STILL THINK OF IT EVERY DAY. THEY TAUGHT ME HOW TO RUN A BUSINESS, NOW I DO.



I REMEMBER MY FIRST PPL CUSTOMER. IT WAS ME! I BOUGHT THE PLAN AND SPOKE WITH AN ATTORNEY FOR 45 MINUTES THE FIRST TIME AND 25 MINUTES THE SECOND TIME ABOUT CHILD CUSTODY. THEN AGAIN ABOUT A BLATANTLY FALSE REPAIR ON MY CAR. I DIDNT GET A FREE CONSULTATION ABOUT MY CAR, PPL'S LAWYER WROTE A LETTER TO THE GARAGE WHO CUT ME A $581. CHECK IN 2 DAYS AFTER I TRIED TALKING TO THE GARAGE FOR TWO WEEKS BEFORE CALLING PFS. THE WHOLE POINT OF PPL (WHICH IS NOT THE SAME COMPANY BUT FITS UNDER THE UMBRELLA OF A NEEDED PRODUCT FOR THE NON FINANCIALLY EDUCATED GENERAL PUBLIC SO THEREFORE PFS OFFERED THE PLAN), THE WHOLE POINT IS IF I DIDNT HAVE THE PPL CARD I WOULD NEVER HAVE GOTTEN A LAWYER. I WOULD HAVE TAKEN THEM TO SMALL CLAIMS COURT AND WASTED HOURS OF MY TIME OR MORE LIKELY CHALKED IT UP AS EXPERIENCE AND MOVED ON.

ALSO NOT MENTIONED IS AFTER ROY HAD TEN MINUTES WORTH OF QUESTIONS HE STILL HAD IN INFINITE NUMBER OF POSSIBLE MATTERS TO ASK ABOUT OVER THE REST OF THE YEAR. ALSO YOU DONT GET A 'WILL DOCUMENT' WHEN YOU CALL FOR A 'FREE CONSULTATION'. SO YOU ARE GETTING SOMETHING FOR YOUR $300 ..ERR $240 THAT ROY SIMPLY HASNT TAKEN ADVANTAGE OF. THE HOPES ARE THAT HE WILL NEVER NEED THE SERVICES JUST LIKE YOUR NO FAULT INSURANCE.



AGAIN ITS ALL PART OF A PACKAGE OF FINANCIAL EDUCATION AND PRODUCTS THAT HAVE SAVED SO MANY FAMILIES FROM FINANCIAL RUIN. LIKE MINE, AND A FEW FRIENDS, ANDS A LOT OF PEOPLE WHO BECAME FRIENDS. MY PICTURE IS ON THE WEBSITE BECAUSE I SAVED A DRY CLEANER ABOUT 200 BUCKS A MONTH ON HIS INSURANCE. HE HEARD ME TALKING TO SOMEONE ELSE ABOUT PRIMERICA AND HE JUMPED IN TO SAY THE AGENT BEFORE ME SAVED HIM 1,100 A YEAR ON HIS BUSINESS CAR INSURANCE. ITS NOT THAT WE HAVE CHEAPER INSURANCE THAN THE OTHER COMPANY, THEY JUST SOLD HIM THE HIGH COMMISSION STUFF THAT HE DIDNT EVEN NEED. THE POLICY HE NEEDED WAS ABOUT 69 BUCKS A MONTH. I STILL REMEMBER IT 9 YEARS LATER AND HIS SON, NOW A MAN, SHAKES MY HAND EVERY TIME I WALK BY.



ALSO ROY, DID YOUR 'FEE UPON CONTINGENCY' LAWYER ACTUALLY TAKE YOUR CASE? WAS THERE ANYTHING LEFT OVER AFTER THE 'FEE' AND THE 'FEES' AND ALL THE 'FEES' WERE TAKEN TO OFFSET THE COST OF ALL THE 'FEES' LOST WHEN CASES ARENT WON?



STILL TRYING TO GET SOMETHING FOR NOTHING????

REALLY NOW.
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#20 Consumer Comment

Kim...this may be the secret

AUTHOR: Leroy - (U.S.A.)

Kim...this may or may not be the special secret they are suing about....however this is what PrePaid Legal doesn't want you to know;





LOTS of attorneys will give you a free consultation on the first visit. Some don't, but a very large percentage do. Even if they end up not taking your case they will usually give you some direction or action to take. You don't need PrePaid Legal to access these attorneys. Just a phone book.
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#21 Consumer Comment

PPL sues their own associates!!!?

AUTHOR: Kim - (U.S.A.)

I have heard that PPL Services has a habit of suing it's own "Associates" for using their "Trade Secrets" after the Associate stops selling their service. PPL claims in these lawsuits that the associate has divulged special "secrets" of their marketing to others in various service based companies, not necessarily legal services. Does anyone else know of this practice?
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#22 Consumer Comment

PPL sues their own associates!!!?

AUTHOR: Kim - (U.S.A.)

I have heard that PPL Services has a habit of suing it's own "Associates" for using their "Trade Secrets" after the Associate stops selling their service. PPL claims in these lawsuits that the associate has divulged special "secrets" of their marketing to others in various service based companies, not necessarily legal services. Does anyone else know of this practice?
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#23 Consumer Comment

PPL sues their own associates!!!?

AUTHOR: Kim - (U.S.A.)

I have heard that PPL Services has a habit of suing it's own "Associates" for using their "Trade Secrets" after the Associate stops selling their service. PPL claims in these lawsuits that the associate has divulged special "secrets" of their marketing to others in various service based companies, not necessarily legal services. Does anyone else know of this practice?
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#24 Consumer Comment

PPL sues their own associates!!!?

AUTHOR: Kim - (U.S.A.)

I have heard that PPL Services has a habit of suing it's own "Associates" for using their "Trade Secrets" after the Associate stops selling their service. PPL claims in these lawsuits that the associate has divulged special "secrets" of their marketing to others in various service based companies, not necessarily legal services. Does anyone else know of this practice?
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#25 Consumer Comment

It depends on how you use it.

AUTHOR: Ann - (U.S.A.)

My husband and myself bought prepaid legal about 6 years ago and used it only once for some advice. Then about 2 years ago we began having "issues" with our ex's. That's when prepaid legal more than paid for itself. We have been able to have a great attorney, at a lower fee, do some incredible work. The savings has more than made up for the lack of use for those years. There are limitations to the program but depending on what you need it for it can be very helpfull.
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#26 Author of original report

WRONG !

AUTHOR: Roy - (U.S.A.)

For your information, after explaining the case to my PPL "attorney" they said that they would not take any PPL cases on contingency regardless of the strengths of the case. This I thought was ridiculous but then everything about PPL was a disappointment so why should I be surprised ?
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#27 UPDATE Employee

Analogies Correction!

AUTHOR: Harry - (U.S.A.)

I wasn't trying to explain who you complain to... I was explaining how the two differ...



A while back there was a lady who burned herself with the McDonald's coffee. Did she complain at McDonald's for making the coffe hotter than it should have been? Yes... but it didn't stop there, she also filed a law suit against the coffee cup and lid manufactures and a law suit against the car for having cup defective cup holders and as if that weren't enough she also filed a law suit against her mother in law for turning the street too fast!



Point is, she didn't file one law suit against the company who sold her the coffee, because she had 4 different cases...



but you didn't know that your home ensurance doesn't cover earthquakes unless your house catches fire... your car insurance covers you for the accident, not if you kill someone and the other person's family sues you! So are you going to stop paying for car and home insurance? No. Because it costs more to pay for the repair than it will to pay for the insurance monthly.



It costs more to get an attorney for any case than to pay for the PPLSI membership. As far as your Case... how do you know that your PPLSI attorney couldn't have got you contingency? you can't cause you never gave it a shot!



Change the way you look at things, and the things you look at will change.



Honestly, research third party! what is the american bar association saying about PPLSI? if they didn't like what we were doing they would have shut it down years ago. Forbes magazine, black enterprize, money, success from home. One of the fastes growing small business in the US!
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#28 Author of original report

Analogies

AUTHOR: Roy - (U.S.A.)

If you pay hundreds of dollars a month for car insurance, then when you need to use it after you crash into someone, then the company tells you well that isn't what you paid for, or if you buy sodas and find a mouse in a can, I would complain to the place I purchased the product. So your analogies are bogus. The Primerica rep told me what PPL did and covered me for or so he thought, when I contacted him before complaining to PPL. He was surprised, this I have since found out is normal with Primericans because of the lack of training and knowledge. As far as my legal situation we have retained a lawyer who has taken it on contingency, because of the strength of the case. So think what you like when PPL was needed it came up way short, and it is a rip off. Enough said.
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#29 UPDATE Employee

What is PPLSI?

AUTHOR: Harry - (U.S.A.)

When you pay hundreds of dollars for auto insurance each month are you being ripped off? What about home insurance? No right... because if something were to happen you're covered right? However if you get into an accident your insurance goes up. Right? If something were to happen.



People PPLSI Member's are not lied to... they are told each area of coverage from the begining... Documentation review, traffic violations, Phone consultations, Unlimited phone calls and letters, IRS Audit and Trial time for civil cases... all that stuff is at no extra charge to you. You are more likely to end up in court than you are in the hospital.



PPLSI offers those services... and does have independant associates such as myself offering the service on their behalf. Primerica is a different company Authorized to market PPLSI. They are Authorized to do it. The only reason why they use the PPLSI logo is for legal reasons.



If you were the founder of a huge company, and had another company who was willing to market your service or product, would you want them claiming to be your company? Wouldn't you want them to have their own company logo and have your logo seperately so that people don't think it's their service?
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#30 UPDATE EX-employee responds

Simple resolution to this topic...

AUTHOR: Matthew - (U.S.A.)

Ok, first off I am an ex-employee of a CitiFinancial where we marketed a program with our loans, it was a membership in a club with all kinds of benefits and legal advice was one of the perks (this isn't the same program however). After working with the company for awhile it is obvious that just like any other company, where you buy your product is where you take it when something goes wrong (example: if you go buy a new car and it breaks down you are obviously going straight to the dealer that sold you this car and having them take care of it), which is exactly why Roy is complaining about both Primerica and Prepaid Legal Services, Primerica should stand behind anything it markets and if they fail to do so Prepaid Legal Services should step in and take care of the customer.



Now if Roy thought they were the same company, that makes complete sense, CitiGroup customers always assume the connection unless made aware otherwise.



I assume we all agree that Salvatore and anybody who agrees with him needs to start doing a little research before posting something on a topic like this to prevent themselves from looking uneducated. Another thing I noticed throughout this report is that most of the people on here weren't familiar with the company, one person said that Primerica markets Smith Barney, but they are not the same company (CitiGroup owns Primerica and Smith Barney along with quite a few other companies...let's do a little research people).



I hope that this helps clear up some confustion and I would hope that Roy has found a solution to his original problem.



Matthew

Vancouver, Washington
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#31 Consumer Suggestion

get an IQ an learn how to read!

AUTHOR: Dennis - (U.S.A.)

This is so ridiculous! Sounds like a couple of kids bullying the author!



Anyone with an IQ of 6 or more could easily comprehend and interpret the author's complaint! The name of the company is "Primerica" to which the author of the complaint was simply stating is a "Pre Paid Legal" service!



Mike, I agree with you and Salvatore doesn't have a clue!



You have to be very careful with these fast talking sales people because they seem to always "FORGET" to explain the "FULL" details-just the ones to get your signature and they get a "PAYCHECK" for your ignorance!



I never deal with fast talking sales people! You can be guaranteed they are going to RIP YOU OFF!!

Hang up, walk away, what ever it takes, but don't sign anything or purchase anything from these fast talking sales people! They get paid by their accomplishments and could care less ripping you off! Typical geedy people with no moral ethics!!!
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#32 Consumer Suggestion

get an IQ an learn how to read!

AUTHOR: Dennis - (U.S.A.)

This is so ridiculous! Sounds like a couple of kids bullying the author!



Anyone with an IQ of 6 or more could easily comprehend and interpret the author's complaint! The name of the company is "Primerica" to which the author of the complaint was simply stating is a "Pre Paid Legal" service!



Mike, I agree with you and Salvatore doesn't have a clue!



You have to be very careful with these fast talking sales people because they seem to always "FORGET" to explain the "FULL" details-just the ones to get your signature and they get a "PAYCHECK" for your ignorance!



I never deal with fast talking sales people! You can be guaranteed they are going to RIP YOU OFF!!

Hang up, walk away, what ever it takes, but don't sign anything or purchase anything from these fast talking sales people! They get paid by their accomplishments and could care less ripping you off! Typical geedy people with no moral ethics!!!
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#33 Consumer Suggestion

get an IQ an learn how to read!

AUTHOR: Dennis - (U.S.A.)

This is so ridiculous! Sounds like a couple of kids bullying the author!



Anyone with an IQ of 6 or more could easily comprehend and interpret the author's complaint! The name of the company is "Primerica" to which the author of the complaint was simply stating is a "Pre Paid Legal" service!



Mike, I agree with you and Salvatore doesn't have a clue!



You have to be very careful with these fast talking sales people because they seem to always "FORGET" to explain the "FULL" details-just the ones to get your signature and they get a "PAYCHECK" for your ignorance!



I never deal with fast talking sales people! You can be guaranteed they are going to RIP YOU OFF!!

Hang up, walk away, what ever it takes, but don't sign anything or purchase anything from these fast talking sales people! They get paid by their accomplishments and could care less ripping you off! Typical geedy people with no moral ethics!!!
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#34 Consumer Suggestion

get an IQ an learn how to read!

AUTHOR: Dennis - (U.S.A.)

This is so ridiculous! Sounds like a couple of kids bullying the author!



Anyone with an IQ of 6 or more could easily comprehend and interpret the author's complaint! The name of the company is "Primerica" to which the author of the complaint was simply stating is a "Pre Paid Legal" service!



Mike, I agree with you and Salvatore doesn't have a clue!



You have to be very careful with these fast talking sales people because they seem to always "FORGET" to explain the "FULL" details-just the ones to get your signature and they get a "PAYCHECK" for your ignorance!



I never deal with fast talking sales people! You can be guaranteed they are going to RIP YOU OFF!!

Hang up, walk away, what ever it takes, but don't sign anything or purchase anything from these fast talking sales people! They get paid by their accomplishments and could care less ripping you off! Typical geedy people with no moral ethics!!!
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#35 UPDATE Employee

Please research your comments

AUTHOR: William - (U.S.A.)

Yes it is true Primerica and PPL are separate companies, and it is also true that PPL is a product offered by Primerica. Here is where i think we are getting side tracked, Primerica is the Marketing/Advertising branch for Citigroup its parent company. Now Citigroup has many offspring such as PPL, Primerica, Travelers(which is now Met Life), Smith and Barney, and a few others. Being its parent companies Marketing and advertising branch, Primerica offers all these different products. Yes the Primerica agent informs you of whats out there, your choice is to buy it. I apologize if you were mislead by your agent. Each agent is an independant contractor that runs out of a base shop lead by the RVP(regional vice president)who is also independant, that person dictats or guides how other agents run. Its sad but some people are crooked and looking for the quick buck, not at all worried about helping the consumer which is supposed to be the goal set out by Primerica (To help people). Now think of it like this your watching TV and a Coca-Cola commercial is on, you the consumer decide to buy a twenty four pack, and half way through you encounter an empty can with a mouse inside. Who do you blame? The TV advertising company who showed you the product, told you about it, intised you, and eventually bought or the Coca-Cola itself? Like wise do you push blame on Primerica for showing you the product or the company who is taking your business. I assue you Primerica does get a commission on your activity so they seem to have your business, but they get that commission from the company who you are actually purchasing the product from in this case PPL.
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#36 UPDATE EX-employee responds

logo is identical

AUTHOR: Daniel - (U.S.A.)

The logo on the primaerica letter is the prepaid lady justice logo. I looks like a corporate entity operating as a sales group of prepaid legal.
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#37 Consumer Comment

Pre Paid Legal is old news

AUTHOR: Leroy - (U.S.A.)

Pre paid legal has been around since at least the mid-70s and every new rep tells you how its just about to explode on the American consciousness. Its not a good product, never has been. Please don't send in a reply saying "Oh yeah, ifs its so bad how come its still in business". The answer is easy......there are 300 million potential customers. 290 million have never heard of it and don't alredy know its a rip. At this moment in time the law of big numbers is still on PPLs side.
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#38 Author of original report

Once again you don't get it

AUTHOR: Roy - (U.S.A.)

Look the above letter was to show Salvatore that Primerica was marketing PPL. My point in this whole situation is that, Primerica and PPL have a moral obligation to back a product they sell. If the Primerica rep. had told me "OK when you need to use this, you will get a lawyer who will deduct 25% of his $300 dollar per hour rate, regardless of the strength of the case, and it will cost you $300 per year for the program" I would have said "forget it, its a rip off" but he didn't. He totally misrepresented what we were getting. I guess I'm old school if I screw up in my job, I hold myself responsible and try to put things right. In this modern America from the President down its a society of pass the buck, and don't take responsibility for your actions I guess I'm dillusional if I consider a Corporation like Primerica should be responsible for the products it pushes. Kind of like the old carpet baggers of the old west. Oh well my advice to anyone is stay clear of Pre Paid Legal and use the yellow pages.
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#39 Author of original report

Once again you don't get it

AUTHOR: Roy - (U.S.A.)

Look the above letter was to show Salvatore that Primerica was marketing PPL. My point in this whole situation is that, Primerica and PPL have a moral obligation to back a product they sell. If the Primerica rep. had told me "OK when you need to use this, you will get a lawyer who will deduct 25% of his $300 dollar per hour rate, regardless of the strength of the case, and it will cost you $300 per year for the program" I would have said "forget it, its a rip off" but he didn't. He totally misrepresented what we were getting. I guess I'm old school if I screw up in my job, I hold myself responsible and try to put things right. In this modern America from the President down its a society of pass the buck, and don't take responsibility for your actions I guess I'm dillusional if I consider a Corporation like Primerica should be responsible for the products it pushes. Kind of like the old carpet baggers of the old west. Oh well my advice to anyone is stay clear of Pre Paid Legal and use the yellow pages.
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#40 Author of original report

Once again you don't get it

AUTHOR: Roy - (U.S.A.)

Look the above letter was to show Salvatore that Primerica was marketing PPL. My point in this whole situation is that, Primerica and PPL have a moral obligation to back a product they sell. If the Primerica rep. had told me "OK when you need to use this, you will get a lawyer who will deduct 25% of his $300 dollar per hour rate, regardless of the strength of the case, and it will cost you $300 per year for the program" I would have said "forget it, its a rip off" but he didn't. He totally misrepresented what we were getting. I guess I'm old school if I screw up in my job, I hold myself responsible and try to put things right. In this modern America from the President down its a society of pass the buck, and don't take responsibility for your actions I guess I'm dillusional if I consider a Corporation like Primerica should be responsible for the products it pushes. Kind of like the old carpet baggers of the old west. Oh well my advice to anyone is stay clear of Pre Paid Legal and use the yellow pages.
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#41 Author of original report

Once again you don't get it

AUTHOR: Roy - (U.S.A.)

Look the above letter was to show Salvatore that Primerica was marketing PPL. My point in this whole situation is that, Primerica and PPL have a moral obligation to back a product they sell. If the Primerica rep. had told me "OK when you need to use this, you will get a lawyer who will deduct 25% of his $300 dollar per hour rate, regardless of the strength of the case, and it will cost you $300 per year for the program" I would have said "forget it, its a rip off" but he didn't. He totally misrepresented what we were getting. I guess I'm old school if I screw up in my job, I hold myself responsible and try to put things right. In this modern America from the President down its a society of pass the buck, and don't take responsibility for your actions I guess I'm dillusional if I consider a Corporation like Primerica should be responsible for the products it pushes. Kind of like the old carpet baggers of the old west. Oh well my advice to anyone is stay clear of Pre Paid Legal and use the yellow pages.
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#42 UPDATE Employee

Who sells what for whom?

AUTHOR: Harry - (U.S.A.)

My wife and I just recently had a beautiful baby girl on Valentine's day and my wife needed a Breast Pump and after I purchased one it stopped working after a few weeks, when I tried to return it at the retail store i had purchased it from, they gave me a number to call the manufacturer directly for all returns.



Point is there are hundreds of companies out there that offer other products or services but doesn't necessarily mean they are the same company.



I'm an Independant Associate for PPLSI. That letter above proves nothing. It only explains payment options.



I was mislead by Primerica a few years ago when I responded to a "Job Ad" online, the agent I spoke with stated that there were 10 new locations opening in my area and they were looking for Managers. They asked me to come to the Interview and Bring my check book. Well I was Un-employed and looking to get paid not pay them!



Primerica offers a variety of products PPL being one of them. They are two different companies you can't come to me for Life Insurance. Truth is they lose a lot of Customers because they have competitors. Many Auto Insurance Companies offer Life Insurances, Retirement Plans, Loans... etc. they can easily cancel Primerica for a better offer. But PPL is Unique... there is no service out there in all the US that Competes with PPL.



One Primerica agent told me "I know people can get life insurance somewhere else... but PPL is only one product, we offer that and more..." he said "if there is a store that sells milk and next to it there's another that sells milk, bread, and cereal who would make more?" That is the silliest question I have ever heard... I can get 10 different life insurance quotes in a 5 mile radius.



Imagine having the only store in the city that sells milk.. Imagine the only store in the county that sells milk... PPLSI is the only company that offers Pre---- Paid---- Legal services. In the US! How well are they going to do in 10 years? 20?
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#43 UPDATE EX-employee responds

Prior Response Clarification

AUTHOR: Anthony - (U.S.A.)

First, my apologies to Salvatore if I implied that you were a PFS rep. Secondly, I still feel the point is being missed. It is very relevant if there is a relationship between Primerica and Pre-paid legal (i.e. they have a contract to market pre-paid legal) and it looks as if they do by what Christine has said and by Roy's document. Then if there is a problem experienced by a customer (Roy) who brought the product from a PFS rep, PFS has at least a partial obligation to resolve the issue. Yes they are separate companies, but who got the product into the consumer's hands? If it was PFS they can not just walk away, the consumer has an implied endorsement of the product since PFS sold it to them. That's all I'm saying.



Regards,
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#44 Author of original report

I think that you Primericans/Prepaid legal apologists are missing the point.

AUTHOR: Roy - (U.S.A.)

It doesn't matter whether it's Primericas product or not. They sell it and have a responsibility to back their product. I entered into this with utmost good faith, the Primerica rep who sold it, misrepresented what was covered, and the benefits of it. When I happened to have a legal situation and needed to use it, it came up way short, as previously explained. I feel this is a scam, as with a lot of Primericas products/services they suck you in, by playing on peoples fears (anyone who has had a Primerica "experience" will know what I'm talking about) then leave you high and dry. I have two questions to anyone who either sells or supports this type of product. 1) Have you ever had to use this for a real legal situation ? 2) How many people, after using this product, cancel ?



In short after my experience I would advise anyone who is considering any type of "Prepaid Legal" DON'T !



Finally if Primericas products are so great why do they focus on recruiting not selling and promoting their products, it's like the products are an after thought to recruiting.
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#45 UPDATE Employee

Pre Paid Legal and Primerica's Legal Protection Program

AUTHOR: Christine - (U.S.A.)

Pre Paid Legal created a program for Primerica to market. (It is very similar to the regular Pre Paid Legal product). It was accepted by our home office as a beneficial program and was aptly named Primerica's Legal Protection Program (PLPP). We are not representatives of Pre Paid Legal any more than we are employees of Genworth (whose long term care product we market).



We are paid a comission to market this product, again the same as we are paid a comission for the long term care product we market. We are simply another clearing house for Pre Paid Legal.



Yes, Primerica and Pre Paid Legal are two separate companies. I hope this explains the relationship that exists between the two.
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#46 Consumer Comment

LOL @ "CRIMERICA"!!

AUTHOR: Salvatore - (U.S.A.)

BTW- I'm not a PFS rep. I'm actually an independent associate for PPLSI.



Again- All I am saying is that they are two different companies. Can we end all the other nonsense already?! I wasn't defending either company, I wasn't trying to get any one "off the hook"- I was simply stating that they are NOT the same company, PERIOD! I spoke to a PFS rep two days ago; I asked him what the deal was with PFS and PPL, and told him about this thread. He stated that as a PFS rep you could offer PPL's legal service, just like any real estate and insurance agent could do. And again- two different companies.



And when I wrote that "PPL and PFS might of been in cahoots years ago", was before I saw the letter posted above. Now I know that they were never in cahoots. A business called "Primerica Legal Services" is owned by someone who is a rep for PFS as well as an associate for PPL. I could be a rep for 100 different direct-sales/NWM companies and offer their products/services under one business name if I want to, but they are all still 100 different companies.



"CRIMERICA" ha ha ha... LMFAO!... ha ha ha
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#47 UPDATE EX-employee responds

Rebutting Salvatore (East Haven) ..Saying that prepaid legal and Crimerica are two different entities doesn't let Crimerica off the hook.

AUTHOR: Stuart - (U.S.A.)

"Perhaps years ago Primerica and PPL were in cahoots" They still are, at least through 3/05 which is the date of the document and I believe even to this day too on the basis of the Ripoff Reports.



Saying that prepaid legal and Crimerica are two different entities doesn't let Crimerica off the hook. If it walks like a duck and talks like a duck...well I'm sure that non-Crimericans get my point (it would be interesting to see how the government and the courts would regard this because Crimerica is representing itself as doing prepaid legal service, Salvatore notwithstanding who is doing shilling for Crimerica).
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#48 Consumer Comment

I get your point Anthony

AUTHOR: Salvatore - (U.S.A.)

Yes Anthony, I understand what you are saying which is completely irrelevant to the dispute. All I am saying is that PPL and Primerica are completely different companies. Also the letter doesn't prove a thing, read the top; it says "Primerica Legal Services". This person is a Primerica rep and brokers PPL services under the name- "Primerica Legal Services". I could broker PPL services under the name- "Salvatore's Legal Services".



Again, all I was saying is that PPL and Primerica are completely different companies. They have nothing to do with each other unless someone is an independent associate for both companies. So, I really don't know where all that stuff you said even came from.
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#49 UPDATE EX-employee responds

A proven relationship exists with PPL, that this the point

AUTHOR: Anthony - (U.S.A.)

For Salvatore of East Haven, Conn.



You're missing the point. You think because PPL and PFS are two different companies this absolves PFS of any responsibility? To the contrary, for example, I recently had a home built. The builder had a separate heating and air conditioning company take care of that aspect of the house. If something goes wrong I can contact the HAC company directly but if I don't get satisfaction you better believe the builder who chose the company will hear from me, and has an obligation to make it right. The same applies to PFS.



Another example, PFS markets Smith Barney Mutual Funds. They are two separate companies, but if a client has a problem and it does not get resolved by SB, the client should be able to go to PFS and get it fixed. Not, a "gee that's not us" response. This is because a PFS agent sold the product to the client. There was or is an obvious relationship between PFS and PPL as proven by the document supplied by Roy. This proves that a PFS agent sold the product to Roy. Why do you bother to debate this? Shouldn't you be as a PFS apologist trying to help make it right so as to prove to the readers on this site that PFS agents do more than laugh out loud. Your reaction is so typical of PFS agent's self absorption.



Regards,
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#50 Consumer Comment

Again, not the same company...

AUTHOR: Salvatore - (U.S.A.)

As an Primerica rep you can broker certain PPL services, just like you could through any financial co. and insurance co. or any business for that matter, but it does not mean that they are the same company. My father owns a carpet cleaning business and he brokers PPL plans; does that mean my father's company and PPL are the same company? lol.. NO, of course not.
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#51 Consumer Comment

OK SURE MIKE... If you really can't handle a little rudeness and sarcasm then stay off these forums, because there is a lot of it here.

AUTHOR: Salvatore - (U.S.A.)

First off Mike, If he didn't think that it was one company then he would of stated it like this; "Primerica and PrePaidLegal", not "Primerica PrePaid legal"- like it is the same company. I'm just going by what he wrote. And why don't you go back and read his post, especially the second one where he states that "Primerica Prepaid legal do exist". Again just going by what he wrote.



I can also see that my last post was never even posted- how convenient for certain people, hmmm?

Anyway, what I stated in my last (that was left out) was that anyone can broker services from both companies, Primerica and Pre-Paid Legal, just like you could with any NWM company's service or product. So, this guy that Roy is talking about who had both company's name on a letter must be an associate and broker the services of both companies under his own company's name, which makes it look like it is all one company.



You also contradicted yourself Mike. First you said that Roy was correct, Primerica and Pre-Paid Legal are the same company- Then you said that Primerica reps can market Pre-Paid Legal services.



Well, which one is it Mike? Not that I really care. But I will give you the benefit of the doubt Mike- Perhaps years ago Primerica and PPL were in cahoots, but #1 they are definitely not the same company and #2 they are definitely not in cahoots today.



So relax Mike- If you really can't handle a little rudeness and sarcasm then stay off these forums, because there is a lot of it here.
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#52 UPDATE EX-employee responds

Response to Salvatore's comment

AUTHOR: Mike - (U.S.A.)

What are you talking about Salvatore? Primerica and Pre-Paid Legal are two completely different companies...



BUT, pre-paid legal is offered by Primerica reps. As a PRIMERICA rep, you actually earn a commission when you sign a person up for Pre-paid legal. As far as I know, this is the case for all PFS offices. Roy didn't state that the name of the company was Primerica Prepaid Legal either. You just saw the words next to each other and assumed that you knew what he was talking about.



As a former Primerica rep, I can assure you that you are mistaken with regard to Roy's comments. While it is true that there is no company named Primerica Prepaid Legal, Roy is not confused with regard to the connection between the two entities. When I was a Primerica rep, my RVP specifically told me and the others at every business meeting to be sure to get people signed up with prepaid legal as part of the package. I still have training materials and personal notes which outline how you are to present prepaid legal.



So, in a nutshell, YOU actually don't know as much about this topic as you think, so please do the rest of us a favor and do your homework before rudely criticizing someone else's comments. In my case, I can be rude TO YOU, since it is only fitting. Plus, I actually know what the hell I'm talking about.
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#53 Author of original report

Primerica PrePaid Legal does exist!

AUTHOR: Roy - (U.S.A.)

A Primerica Rep. sold me this pre paid legal the letter heads have Primerica PrePaid Legal on them. I faxed one to RipoffReport.com to show them this is real, they said they will add it to this report in a few days.
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#54 Consumer Comment

WHAT THE... ROY?

AUTHOR: Salvatore - (U.S.A.)

What are you talking about Roy? Primerica and Pre-Paid Legal are two completely different companies. So which one are you referring to?



This post just proves that people make complaints and bogus reports about things they know nothing about. You have this guy claiming that a company called "Primerica PrePaid Legal", which doesn't even exist, is a rip-off. People are so pathetic!
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