Wednesday, September 07, 2005

Signed Up for Pre-Paid Legal

In a move that I may well regret, I signed up for the services of Pre-Paid Legal last week.

It was the second time my employer has offered Pre-Paid Legal to us via paycheck deduction. This time, I decided to give the program a try. At a cost of roughly $24 per month, Pre-Paid Legal seemed worth a look. It'll be a good, reportable experiment for this site, if nothing else.

Also, at the very least, I will be able to get something done that I've put off entirely too long: wills for my wife and me. They're included, at no extra charge, in the PPL service. The last time I checked into it, having wills prepared by another law firm would set me back $400 to $500. (I have some free "will-maker" software that came with my tax-return software last year, but I never felt real comfortable with it. Can't remember why.)

I'll say this: PPL is doing their best to keep up with the news. Now included with the standard PPL fare is a service called Identity Theft Shield. Not that the world needs another credit-monitoring service, you understand. But I'm intrigued as to what this Theft Shield thing can actually provide for me. (The cynical voice inside my head says, "Not much.")

Their brochure says I'll receive monthly updates, via email, regarding any changes in either my or my wife's credit reports. Woo hoo. Outside of that, most of the other "services" Theft Shield provides seem pretty much like fluff — for someone like me, anyway, who already knows how to pull credit reports, shred documents and bills and CIA memos, and all that.

Apparently, there is at least one PPL hurdle I need to look out for. "If you think that you might take advantage of a service under the plan," it says at, "such as the preparation of a simple will, be aware that attorneys who accept the plan will likely try to sell you an upgraded service."

Well, fantastic. At least I know about this going in, and can be ready for it.

Anyway, we'll see how this goes. I've shipped off the necessary info to get my Identity Theft Shield service started. Within a few days I hope to have our will questionnaires filled out and mailed. Let the experiment begin.

Will PPL be worth $288 per year? Stay tuned to find out.

Posts In This Series:
Part 1: Signed Up For Pre-Paid Legal
Part 2: Pre-Paid Legal, Part 2 (Identity Theft Shield)
Part 3: Pre-Paid Legal, Part 3 (Identity Theft Shield)
Part 4: Pre-Paid Legal, Part 4 (IdentityTheft Shield)

— Posted by Michael @ 1:35 PM


I look forward to you writing more about your experience with PPL, they offered it at my work and I didn't see it as "worth it."


HA! I had a good friend who got seriously involved with Pre Paid Legal, then got seriously out of it.

They offer anyone with a subscription to become a reseller, and they have a giant MLM pyramid scheme going. The people at the top are definitely making good money, but under them there are few others doing the same.

I've known 4 people who signed up for the service, and they all cancelled it within one year.

Write about it though, I'm curious to see how it goes.


I know several people who have had PPL. I think it's kinda like fire insurance, when you need it it's really worthwhile.


Anthing legal should not be prepaid
We are yet to be advanced and our judiciary is not yet up to the mark
that legal be prepaid for a service
Have more experience with PPL please and you will,I hope ,narrate
an alltogether different experince.
It should be PPL,post paid legal with more charges and that may be acceptable basing on the result the consumer gets.


I've had Prepaid for about three years. I used it when my car insurance company wouldn't fix my air conditioner after an accident. After the attorney sent a letter, they agreed to fix may a/c. Also used it to ask questions on a problem I had with my home builder. I was a victim of identity theft, thanks to DirecTV. The guys who installed my dish signed 7 other people up for DirecTV with my SSN and I didn't find out until 2 years later when they stopped paying their bills. Prepaid took care of it all for me and my credit is back to normal. Worthy every penny in my opinion.


Pre-Paid Legal Service is AWESOME, if you don;t think so and wan to know more please contact me at
(662) 291-0100 Immediately. And pleae do your research check out my website: and also the company website at: Please GOOGLE our founder and CEO name Harland C. Stonecipher, you will be in for a surprise.

Nicole Washington-Mbodje



I read your blog about signing with pre-paid legal and saw that you have a link to corporate website Would you be so kind as to replace it with my link ?
I can pay you with a gift certificate of 2 for 1 Carnival cruise (or hotel vacation) valid any time. I am trying to make some money and hope your link might help.

Should you decide to be even kinder and send clients my way (they can let me know you sent them) I will be delighted to supply you with vacations for life, mostly free hotels even in UK and Spain.

By the way, you got a great deal. The product is truly amazing!
With Thanks and Happy Holidays,

Linda Gewis
PPL Associate

** Comments Closed on this Post **

Thoughts on my personal finances, goals, experiences, motivations, and accomplishments (or lack thereof).

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