legal shield slideshow
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Legal Shield SlideshowTRANSCRIPT
LEGALSHIELDPRESENTATION
Worry Less. Live More.
The CompanyEstablished 1972
Revenue approx. $450 million
3.5 million covered lives across U.S.A. and Canada
2.1 million requests for legal assistance annually
34,000 business accounts
650 employees based in Ada, Oklahoma including extensive in-house customer service representatives
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LegalShield Is An Industry Leader
Expert administration of Legal Protection and Identity
Theft plans
Our legal plan is the only one that offers 24/7, 365
access to attorneys in covered emergency situations
No other legal plan offers our exclusive Provider Law
Firm delivery system. We have a proprietary network of
accomplished law firms* covering 49 states and Canada
Our Identity Theft plan is the only one in the industry to
offer full restoration services through licensed
investigators. We offer this in conjunction with Kroll (the
world leader in risk management)
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*versus a panel referral system
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LegalShield
Legal Protection Plan
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Exceptional Service Proposition
Each legal provider is organized to provide service for
the membership in its state
Fees are paid to the dedicated LegalShield law firm up
front on a per capita basis (over $100m paid per annum)
Calls accepted and serviced efficiently and effectively
Service quality is guaranteed by LegalShield provider
attorney QC systems (which includes real-time monitoring)
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Help mitigate financial issues. 42% of those who did not hire an attorney said it was because attorneys are
too expensive
66% of those that hired an attorney through a legal plan said having an attorney
lessened the amount of personal resources (time and money) spent to resolve
their legal issue
Reduce stress. Our services help with everyday life challenges. 70% of Americans have at least one new or ongoing legal issue each year
Up to 90% of the doctor visits in the U.S. may be triggered by stress-related illnesses
70% of those who hired a group legal plan attorney reported having peace
of mind in dealing with their legal situation
Reduce absenteeism and increase presenteeism. 50% of those who did not hire an attorney took time off work to deal with their
legal issue, compared to only 30% of those who hired an attorney through a
legal plan
61% spent less time at work worrying about and dealing with their legal situation
* Based on multiple studies including Harris Interactive 2011, Harris Interactive 2012 and Centers for Disease Control
and Prevention in USA Today 8
Studies Suggest Legal Plans Provide Peace of Mind*
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Who’s covered
• The member
• The member’s spouse
• Never-married dependent children under age 21 living at home
• Dependent children under age 18 for whom the member is legal guardian
• Full-time college students up to age 23; never married, dependent children
• Physically or mentally challenged children living at home
• The member
• The member’s spouse
• Never-married dependent children under age 21 living at home
• Dependent children under age 18 for whom the member is legal guardian
• Full-time college students up to age 23; never married, dependent children
• Physically or mentally challenged children living at home
If you were my lawyer, what would you charge for these services?
* Up to 90% of member inquiries are covered by the plan with no additional fees. All other requests for service are
entitled to a 25% discount to the law firm’s hourly rate (including pre-existing issues).
Over 2 million requests annually . . .
Our Services
• Legal Advice - Unlimited issues
• Letters/Calls made on your behalf
• Contracts/Documents reviewed up to 10 pages
• Online Legal Forms
• Lawyers Prepare• Y
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• Trial Defense • Pre-Trial
• Representation at trial
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• Legal Advice - Unlimited issues
• Letters/Calls made on your behalf
• Contracts/Documents reviewed up to 10 pages
• Online Legal Forms
• Lawyers Prepare• Your Will, Living Will,
• Healthcare Power of Attorney
• Traffic-Related Issues
• 24/7 Emergency Access for covered situations
• Trial Defense • Pre-Trial
• Representation at trial
• IRS Audit Assistance
• 25% Preferred Member Discount*
Standard Plan Trial DefenseYour Provider Attorney Will Assist InThe Defense Of Civil Suits And CoveredJob-Related Criminal Charges. Up To60 Hours Of Assistance The First Year, including 2 ½ hours pre-trial.
Benefits Increase Each Year To A Maximum Of:
2nd Year - 120 Hours 3rd Year - 180 Hours
4th Year - 240 Hours 5th Year - 330 Hours (4.5 hrs pre-trial)
Expanded Plan Trial DefenseYour Provider Attorney Will Assist InThe Defense Of Civil Suits And CoveredJob-Related Criminal Charges. Up To75 Hours Of Assistance The First Year, including 17 ½ hours pre-trial.
Benefits Increase Each Year To A Maximum Of:
2nd Year - 140 Hours 3rd Year - 205 Hours
4th Year - 270 Hours 5th Year - 335 Hours (39.5 hrs pre-trial)
Who’s covered
• The member
• The member’s spouse
• Never-married dependent children under age 21 living at home
• Dependent children under age 18 for whom the member is legal guardian
• Full-time college students up to age 23; never married, dependent children
• Physically or mentally challenged children living at home
• The member
• The member’s spouse
• Never-married dependent children under age 26 living at home
• Dependent children under age 18 for whom the member is legal guardian
• Full-time college students up to age 26; never married, dependent children
• Physically or mentally disabled children living at home
The Service Proposition
Up to 90% of member inquiries are covered by the plan with no additional fees. All other requests for service are entitled to a 25% discount to the law firm’s hourly rate (including pre-existing issues).
Workbook p. 20
Standard Trial Defense Schedule of Hours
* Review a plan contract for your state of residence for complete terms, coverage, amounts, conditions and exclusions.
Trial Defense Assistance if you or your spouse is named defendant or respondent in a covered civil action Suit.
Trial Defense SupplementFor an additional $9.95 per month, you can rest assured that you
and your family will be covered no matter what comes your way!
* Review a plan contract for your state of residence for complete terms, coverage, amounts, conditions and exclusions.
• Telephone Consultation- Unlimited Business Topics
• Document Review for any Business Legal Document- 3 per month
• Letters/Phone calls on your behalf- six per year (one per subject matter)
• Debt Collection Letters- 3 per month• Specialty Matters- Two 30 min consultations per
year• IRS Audit Services• 25% off additional legal services
Legal Services $9.95 Additional Per Month
The Home Business Supplement
*Review a plan contract for your state of residence for complete terms, coverage, amounts, conditions and exclusions.
Eligibility• Must have the LegalShield Legal Plan• Wholly-owned and operated by member• No employees other than immediate
family members
Legal Services $49.00 Per Month
• Advice – (Family & Business)
• Letters/Calls made on your behalf (Family & Business)
• Personal: One per subject matter each membership year
• Business: Up to three letters written on behalf of your business to third parties each month
• Legal Document Review (Family & Business)
• Personal: Contracts/documents up to 10 pages each
• Business: Up to three contract/document reviews (up to 15 pages each) each month
• Standard Will Preparation – (Family)• Standard Will with yearly
reviews/updates• Available to covered family members
for $20
• Motor Vehicle Services (Family)
• 24/7 Emergency Access for covered situations – (Family)
• Trial Defense – (Family) • Pre-Trial• Representation at trial
• Audit Services – (Family & Schedule C)
• 25% off additional legal services
Legal Plan For The Self Employed
Eligibility• For profit business• Not publicly traded• Must have 8 or fewer employees• Own at least 51% or greater of the business entity
LegalShield
Identity Theft Protection Plan
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Current trends in Identity Theft
For the 11th year in a row, identity
theft is the leading complaint filed
with the FTC
Average Time to Resolve for the
Victim: 55 - 130 Hours
Average Out-of-Pocket Cost for
Identity Fraud Victims: $1,000 - $5,000
Source 2011 FTC Consumer Sentinel Report
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Identity Theft . . .
Identity theft is repeatedly the #1 consumer
complaint category in America.
Identity theft manifests itself in many
different ways:
• Credit fraud
• Social Security fraud
• Driver’s License fraud
• Medical fraud
• Criminal/Character fraud
Identity theft manifests itself in many
different ways:
• Credit fraud
• Social Security fraud
• Driver’s License fraud
• Medical fraud
• Criminal/Character fraud
Identity Theft . . .
Victims often face
issues such as:
• Problems securing a loan
• Harassment from debt collectors
• Possible arrest for crimes
committed by the identity thief
Our plans not only provide expert
consultation on how to prevent theft
but also provide full restoration of
your identity should a breach occur.
Victims often face
issues such as:
• Problems securing a loan
• Harassment from debt collectors
• Possible arrest for crimes
committed by the identity thief
Our plans not only provide expert
consultation on how to prevent theft
but also provide full restoration of
your identity should a breach occur.
Still Owes $140K
Spent Over 2,000 Hours
Multiple Identity Theft•David Joe Hernandez served four years in the Air Force at bases in New Mexico and Japan. So it came as a shock when he returned home and learned he was•Arrest warrant in Arizona for driving on a revoked license•Responsible for 20 delinquent accounts for cell phone bills, credit cards, utility bills and hospital bills.•Linked to a string of felonies, including auto theft and drug charges •State regulators began garnishing 60% of his wages to pay child support to a woman in Chicago he'd never heard of.•Hernandez spent a year and a half trying to clear up the mess, but things got worse.
“The Fair Credit Billing Act establishes procedures for resolving billing errors on your credit … accounts … To Take Advantage of the law’s consumer protection, you must:”•send your letter so that it reaches the creditor within 60 days. If an identity thief changes the address on your account and you didn’t receive the bill, your dispute letter still must reach the creditor within 60 days of when the creditor would have mailed the bill.*” … or you owe the money.
ID Theft Victims Face Tough Bank Fights*• In 2003, The Korinke family was sued by Homecoming Financial Network INC., a division of GMAC, for $75,000, plus attorney fees.• In 2001, an imposter got hold of a line of credit, switched the address, and the Korinkes never received the outstanding bills.• Homecomings … claimed the Korinkes had been negligent. “The Korinkes were slow to discover and report the identity theft … as such, Korinke is liable for any and all sums attributed to his negligence.**”• Korinke’s attorney said “ victims who don’t have the means to find a good lawyer, may be losing out in battles with financial institutions.***”
Identity Theft . . .
*Review the membership brochure for certain requirements and exclusions
**Services are performed upon member request
Identity Theft Premium Plan
• Triple-Bureau Credit Monitoring and Activity Alert• Web Watcher• Daily monitoring for use of Social Security Number, Credit/Debit Card Numbers, e-mails, Phone numbers, bank
account and routing number, and medical identification number in hacker chat rooms, internet news groups and other internet sites where criminals trade stolen identities.
• Public Persona• Monthly monitoring of names and addresses associated with a Social Security Number or address history and any
changes to that information.
• Sex Offender Search**• Search of sex offender databases to detect if location of sex offenders and whether a member's address has been
used by a registered sex offender.
• Social Security Number Skip-Trace**• A search of the Member's Social Security Number through a data base of over 34 billion current public records to
detect potential fraud or identity theft.• Public Records may include: Address Information• Other Names or Aliases• Criminal Records History• Civil Record History• DMV Record• Death Master Index
Identity Theft Premium Plan
• Lost Wallet Assistance**• Assisting Members who have their wallet, purse or
sensitive documents lost or stolen• Member walkthrough to determine all cards, documents or
ID's that may have been lost or stolen.• Instructions for filing a police report with a comprehensive list
of data that was lost/stolen in the event of future fraud or identity theft.
• Information on how to cancel and replace lost or stolen documents.
• Assistance in disputing fraudulent charges resulting from a lost or stolen credit or debit card.
• Preventative measures to reduce the likelihood of becoming a victim of identity theft as a result of the compromised data.
• Placing a temporary fraud alert with each of the national credit repositories.
SafeGuard for Minors
• SafeGuard for Minors• Covers up to 8 dependent children under the age of 18
SafeGuard for Minors includes:• SafeGuard Material
– Valuable information on credit education for minors, advice on the best practices for the use of a child's Social Security Number and personal identifying information, and more.
• Monitoring and Alerts– Monitor for the existence of a credit file in your child's name.– Receive alerts if any credit files are found.
• Consultation– Consult the experts on any identity theft questions or concerns
regarding child identity theft.• Identity Restoration Services
– The experts will take immediate action to correct any damages caused by identity theft. This includes but is not limited to: placing alerts, disputing fraudulent accounts, providing available credit reports, and assisting with obtaining a police report.
The Identity Theft Shield Difference
Kroll has 40 years in the security and risk management business, with
experience unmatched by any competitor
LegalShield and Kroll partnered in 2003 to provide a leading identity
theft protection product which accounts for over 85% of Kroll
identity theft subscriptions
Kroll’s Investigators have thousands of hours of
experience (the most in the industry)Service Beyond Credit Monitoring:
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Experience:
Restoration: We are the only ones in the industry to offer full investigation
and restoration services which is handled by the experts at Kroll
Licensed Investigator: We provide one-on-one access to a Licensed
Investigator to assist until identity theft issues are fully resolved
Consultation: We communicate best practices and provide consultation
services to all members, whether they’ve experienced an identity theft
event or not
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In addition to the services provided by our plans, members may also receive special member discounts:
• Computer/Office
• Rental car
• Cell Phone Service
• Financial Services
• Auto Discounts
• Travel
• Computer/Office
• Rental car
• Cell Phone Service
• Financial Services
• Auto Discounts
• Travel
Your first month’s payment will include a $10 enrollment fee.
* When you purchase an Identity Theft Plan along with the Legal Plan you will receive the discounted rate as noted in the chart.
What’s Right For You?
At LegalShield it’s simple, you choose which plans work best for
you and your family:
Your first month’s payment will include a $10 enrollment fee.
What’s Right For You?
At LegalShield it’s simple, you choose which plans work best for
you and your family:
* When you purchase an Identity Theft Plan along with the Legal Plan you will receive the discounted rate as noted in the chart.
Peace of mind for as little as:
EXCEPTIONAL VALUE
$15.95* per month
* Membership cost may vary based on plan you select.
Includes the employee, Their DependentsAnd Their Spouse, or Significant other.
Payment Options:• Bank Draft or Credit Card• Payroll Deduction
Peace of mind for as little as:
EXCEPTIONAL VALUE
$15.95* per month2000+ Employees
* Membership cost may vary based on plan you select.
Includes the employee, Their DependentsAnd Their Spouse, or Significant other.
Payment Options:• Bank Draft or Credit Card• Payroll Deduction
Peace of mind for as little as:
EXCEPTIONAL VALUE
$18.95* per month5 - 1999 Employees
* Membership cost may vary based on plan you select.
Includes the employee, Their DependentsAnd Their Spouse, or Significant other.
Payment Options:• Bank Draft or Credit Card• Payroll Deduction
• Standard Legal Plan Alone: $15.95
• Identity Theft Alone with One Bureau Monitoring: $14.95 • Identity Theft Premium Plan Alone: $29.95
• IDT Discounted if Purchased with Legal Plan: $9.95 / $19.95
• Standard Legal Plan with IDT One Bureau Monitoring: $25.90• Standard Legal Plan with IDT Premium: $35.90
Exceptional ValuePeace of mind for only:
• Standard Legal Plan Alone: $18.95
• Identity Theft Alone with One Bureau Monitoring: $14.95 • Identity Theft Premium Plan Alone: $29.95
• IDT Discounted if Purchased with Legal Plan: $9.95 / $19.95
• Standard Legal Plan with IDT One Bureau Monitoring: $28.90• Standard Legal Plan with IDT Premium: $38.90
Exceptional Value Peace of mind for only:
5 - 1999 Employees
• Standard Legal Plan Alone: $15.95• Expanded Trial Defense Legal Plan Alone: $24.95
• Identity Theft Alone with One Bureau Monitoring: $14.95• Identity Theft Premium Alone: $29.95• IDT Discounted if Purchased with Legal Plan: $9.95 / $19.95
• Standard Legal Plan with IDT One Bureau Monitoring: $25.90• Standard Legal Plan with IDT Premium: $35.90
• Expanded Legal Plan with IDT One Bureau Monitoring: $34.90• Expanded Legal Plan with IDT Premium: $44.90
Exceptional ValuePeace of mind for only:
• Standard Legal Plan Alone: $18.95• Standard Legal w/ Trial Defense Supplement Alone: $28.90
• Identity Theft Alone with One Bureau Monitoring: $14.95• Identity Theft Premium Alone: $29.95• IDT Discounted if Purchased with Legal Plan: $9.95 / $19.95
• Standard Legal Plan with IDT One Bureau Monitoring: $28.90• Standard Legal Plan with IDT Premium: $38.90
• Standard Legal Plan w/ Trial Defense Supplement w/ IDT One Bureau Monitoring: $38.85
• Standard Legal Plan w/ Trial Defense Supplement w/ IDT Premium: $48.85
Exceptional ValuePeace of mind for only:
Broker/Agent Schedule of Commissions• All commissions are expressed as a percentage of the membership fees paid by the individual member and are
amounts paid to Broker as writing agent. Amounts shown are the commission percentages applicable to LegalShield’s family plan memberships, business plans and the standard identity theft plan. Percentages shown represent the total amount of commissions available including the indicated bonus level when Broker is presenting the products and enrolling members.
• Commissions are paid as membership fees are collected by the company. Qualification for Bonus Levels is based on membership sales. A membership is a new legal plan membership or stand-alone identity theft plan. If an individual has any plan active with the Company (or has had an active plan of any type within the last six months) the plan is not a new membership and does not count for Bonus Level.
• Broker is eligible for bonus level commission on all sales made after 1000 sales. Once Broker has sold 1000 memberships, Broker shall receive the additional bonus compensation as indicated below on new sales so long as at least 750 memberships remain active. If the active memberships drop below 750, Broker compensation shall drop to the regular commission rate until such time as 1000 memberships are active. Broker will then be eligible for bonus level commissions again as long as the active memberships stay at or above 750.
• Commission percentages for other specialty plans may vary from the percentages shown above. Additionally the increase of $3.00 per month in the membership fee for the identity theft tri-bureau monitoring plan is not commissionable.
• In the event that a LS associate is also involved in the presentation and enrollment of members with Broker, then Broker and the LS associate shall agree to the appropriate application split. When Broker makes an introduction for a LS associate, but does not otherwise participate in presentations and enrollments of members, the compensation to Broker shall be a total of 4%.
Family Legal Plan Identity Theft Plan
Small Business Legal Plan
Comprehensive Legal Plan
Commission 16.0% 16.0% 12.2% 12.0%
Bonus Commission
3.5% 3.5% 2.7% 2.6%
General Agency Level Commission Structure All commissions are expressed as percentage of the membership fees paid by the individual member are amounts paid to the General Agency as a writing agent. Amounts shown are the commission percentages applicable to LegalShield’s family plan memberships, business plans and the standard identity theft plan. Percentages shown represent the total amount of commissions available including the indicated bonus level when Broker is presenting the products and enrolling members.
Commissions are paid as membership fees are collected by the company. Qualification for Bonus Levels is based on membership sales. A membership is a new legal plan membership or stand-alone identity theft plan. If an individual has any plan active with the Company (or has had an active plan of any type within the last six months) the plan is not a new membership and does not count for Bonus Level.
All commissions will be earned at the “Base Level” unless the General Agency qualifies for a “Bonus Level”. The General Agency will qualify with membership sales processed in one month to be paid the “Bonus Level” on memberships processed during the next calendar month. Qualification for “Bonus Levels” is based on membership sales, (not production counters). A membership is a new legal plan membership or stand-alone identity theft plan. If an individual has any plan active with the Company (or has had an active plan of any type within the last six months) the plan is not a new membership.
First Year Commission Levels – Family Plans
Base Level
Bonus Level 2
Bonus Level 3
Bonus Level 4
Bonus Level 5
Bonus Level 6
Sales Per Month
Below 50
51 – 74 75 – 99 100 – 124 125 – 149 150 +
Earned 16% 19.5% 20.2% 20.8% 21.2% 21.4%
Example: The General Agency processes 50 sales in the month of June. All 50 sales will be paid at 16% of the annual membership fees for each membership processed. In July all memberships processed will be paid at Bonus Level 1, or 19.5%, of the annual membership fees for each membership processed.
• All commission amounts are expressed as a percentage of the annual membership fees paid by the individual member and are amounts paid to the General Agency as the writing agent. Amounts shown are the commission percentages applicable to LS’s standard plan memberships, business plans and the standard identity theft plan. Commission percentages for specialty plans may vary from the percentages shown. The additional $3.00 per month membership fee for the identity theft tri-bureau monitoring plan is not commissionable. Percentages shown represent the total amount of commissions available including the indicated bonus level.
• All commissions will be advanced at the “Base Level” unless the General Agency qualifies for a “Bonus Level”. The General Agency will qualify with membership sales processed in one month to be paid the “Bonus Level” on memberships processed during the next calendar month. Qualification for “Bonus Levels” is based on membership sales, (not production counters). A membership is a new legal plan membership or stand-alone identity theft plan. If an individual has any plan active with the Company (or has had an active plan of any type within the last six months) the plan is not a new membership.
• First year commissions are the commissions advanced for the first 12 months of the membership life. Renewal commissions are earned in all months thereafter. Renewals vary depending upon the commission (bonus) level achieved by the General Agency and the Monthly Retention Rate of all memberships sold in a given calendar month through the General Agency or any other entity sponsored by the General Agency.
• Renewals are amounts the General Agency will earn on memberships that “renew” or continue paying after the first 12 months of the life of the membership. Since the General Agency receives a commission advance amount representing commissions for the first 12 months of payments made, all additional payments made by the member after month 12 represent renewal payments. The General Agency will begin earnings renewals beginning with the member’s 13 payment. Renewal earnings for months 13-15 are applied in month 16 (cumulative), after a three month evaluation period. All earnings will first be applied to any outstanding Debit Balance. Once the Debit Balance is recovered, future earnings will be paid to the General Agency.
• The Monthly Retention Rate of the memberships will be calculated by dividing the active memberships for a given production month by the total number of memberships originally processed during that month. The Monthly Retention Rate will be determined at the end of the 15 month for each production month and will thereafter remain the same fixed amount for the remaining life of memberships processed that month.
General Agency Commission Structure – 48%
General Agency Commission Structure – 48%
Base Level
Bonus Level 2
Bonus Level 3
Bonus Level 4
Bonus Level 5
Bonus Level 6
Sales Per Month
Below 50
51 – 74 75 – 99 100 – 124 125 – 149 150 +
Advance 48.0% 58.4% 60.7% 62.3% 63.6% 64.2%
First Year Commission Levels – Family Plans
Example: The General Agency processes 50 sales in the month of June. All 50 sales will be paid at 48% of the annual membership fees for each membership processed. In July all memberships processed will be paid at Bonus Level 2, or 58.4%, of the annual membership fees for each membership processed.
Annual Renewal Commissions – Family Plans
Monthly Retention
Rate
Base Level
Bonus Level 2
Bonus Level 3
Bonus Level 4
Bonus Level 5
Bonus Level 6
Up to 55% 3.02% 3.67% 3.81% 3.91% 3.99% 4.03%
56% to 65% 6.04% 7.34% 7.63% 7.83% 7.99% 8.07%
66% to 75% 9.05% 11.02% 11.44% 11.74% 11.98% 12.10%
76% to 85% 12.07% 14.69% 15.25% 15.65% 15.98% 16.14%
Above 85% 15.09% 18.36% 19.06% 19.57% 19.97% 20.17%
General Agency Commission Structure – 48%
Annual Renewal Commission rates can range from 3.02% to 20.17% of annual membership fees for each plan processed, dependent upon the commission (bonus) level of the General Agency and the Monthly Retention Rate for the given calendar month. Example: The General Agency processed 10 memberships at Bonus Level 3 in June 2011. At the end of August 2012 (15 months of membership life) 7 members are still active. The Monthly Retention Rate for those memberships would be 70% (7/10 = .70, or 70%). The Annual Renewal Commission percentage paid to the General Agency would be 11.44% of the annual membership fees paid by each member processed in June 2011, and would continue at this rate for the life of each membership. This is illustrated in the chart above at the point where the column ‘Bonus Level 3’ and row ‘66 to 75%’ intersect.
How you earn income
Commissions shown represent advances for the $35.95 plan
Advance commissions create a debit balance and are earned as membership payments are received
by the corporate office.
3 Main ways to get paid
1. $34 $252
Personal Advance
2. $34 $182
Team Override
3. 1% 18%
Lifetime Residuals
5% 25% Lifetime Residuals
3 Main ways to get paid
1. $34 $252
Personal Advance
2. $34 $182
Team Override
3. 1% 18%
Lifetime Residuals
5% 25% Lifetime Residuals
See a compensation plan for complete commission information.
SummaryLegalShield’s legal protection plan and Identity theft plan
are unique, low cost benefits
Currently servicing 3.5 million covered lives
Over 34,000 business accounts
Exceptional Service, Exceptional Value Proposition
Will help mitigate employee financial issues.
Reduce employee stress. Our services help with everyday
life challenges.
Reduce employee absenteeism and increase presenteeism.
The benefit is Employee Funded, No Company Cost!
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SummaryLegalShield’s legal protection plan and identity
theft plan are unique, highly differentiated service
offerings
Currently servicing 3.5 million covered lives
Robust domestic back office systems with highly
scalable capabilities
LegalShield launch of national TV and Internet
campaign in mid 2012 and building customer
awareness13
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Worry Less. Live More.