[2nervous2smile]

I am a former seller and customer of Prepaid Legal Services. I cannot say that I had a bad experience in either way. I was able to get legal advice when I wanted it. Unfortunately, I didnt use the service very much and sure enough, soon after we canceled the service to cut down on expenses, we had a legal problem and wish we had not canceled it. In fact, we have a legal problem right now that is pressing the life out of us.

Legal insurance is one of those things you hate to pay for, but it is such a relief when you have it and a legal situation comes up. A lot of companies offer it with their benefits packages. Also, the service does save you money if you have to hire an attorney but you will still need to be prepared to spend money. The main reason why I got the service was for unlimited legal consultations/questions answered. A limited number of free document reviews for contracts, etc. and for the free representation in traffic court. However, the plans may have changed since the last time I used the service 4 years ago.

As a seller of the service, I would have had much more success if I had more marketing skills at the time and if I didn't waste my money buying leads. I had a pretty large downline, but because they had the same problem of not being able to market effectively and losing money on leads, my downline quickly crumbled. PPL gives its reps decent info on offline marketing but no help at all with internet marketing, at least not 4 years ago. The key to building a downline in any mlm is to be able to generate your own leads and never buy leads. Offline marketing can only get you but so far and whether you spend money or not, it is almost imperative for any type of home business to effectively market online. Running any business in mlm or affiliate marketing without making use of the internet severely limits your profit potential.

Since then, I have learned how to proficiently generate my own leads for any niche. I can make money in any niche and profit from generating & selling leads to different companies. I am able to do this now because I attend an online university for internet marketing that is very inexpensive. I thank God because now my downline in Traverus is huge & my income from affiliate marketing is gradually growing from 3 to 4 figures per week. If I knew back then what I know now... my business with Prepaid Legal would have been great.

Now, I have so many charge-backs from customers who canceled their service that I would have to make a lot of sales before earning a profit with the company again.

A word of advice to PPL reps: Try to sell the memberships on an annual basis and not a monthly basis. Or elect to have your commissions paid in small monthly increments to avoid charge-backs. PPL pays a big upfront commission for monthly membership sales. If the customer cancels or is unhappy with their attorney, you are stuck with a charge-back against your future sales. It leads to feeling discouraged. Generate your own leads. It is cheaper in the long run to pay a small amount of money learning how to create your own leads online, than to buy leads and end up disappointed with little or no sales. DONT buy "legal leads"! They are a complete waste of time and money.