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Title: Prepaid Legal Services and Legal Insurance : What CEOs, Human Resource Directors, Employee Benefit Brokers, Small Business and Home-based Business Owners Should Know! by Bob Afamasaga ISBN: 0-9708206-0-7 Publisher: ALIV! Publishing Pub. Date: 29 May, 2001 Format: Paperback Volumes: 1 List Price(USD): $19.95

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Average Customer Rating: 2.5 (2 reviews)

Rating: 1
Summary: Prepaid Legal--Myth or Reality?
Comment: Pre-Paid Legal is a fraud. It offers the moon, but its under-compensated and over-worked attorneys (in Arizona they had to get the TEAMSTERS to organize them due to lack of a law library, killing quotas, and no internet access) provide sub-standard or mediocre help, but the SALESforce (of which this author is a member, of course) hypes the service as if it were the Holy Grail. The company has a TERRIBLE rate of retention, which proves that it does NOT satisfy the needs it claims to help on anything like a consistant basis, its leaders are under subpoena for insider trading and other malfeasance, and it has had a very chequered past with lawsuits, SEC investigations, Justice Department probes, and fines and suits by various state AG's with more in the works. A fine ideal, but the reality is crooked as hell, and this book is just another part of the hype.

Rating: 4
Summary: Get the book and the insurance
Comment: I agree with Bob Afamasaga, for I too am a prepaid legal insurance crusader. I could never afford to call a lawyer until now. As a member, I get to ask my lawyer questions about my rights in certain or questionable situations--unlimited phone calls at no additional cost. Bob explains the stereotypical misunderstandings people have about "not needing a lawyer" and clearly illustrates that you can't afford not to have a lawyer when something happens. Besides, how would you know who to call and how do you know if you are in a legal situation if you haven't talked with a lawyer? It's not a matter of if you will need it, it's a matter of when. Thanks for making this subject clearer, Bob and keep on crusading.

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