Pre-Paid also omits pesky facts from its customer sales pitches. According to an Alabama lawsuit, associates are instructed to tell prospective customers that Pre-Paid's coverage offers unlimited legal access and coverage. In an issue of Pre-Paid's in-house magazine, Connection, David Savula, a leading Pre-Paid associate recruiter, wrote: "Does our product cover everything? Yes. So if somebody asks does it cover this or does it cover that, we're going to say, �Yes.'"
Contrary to Savula's claim, Pre-Paid's written policies limit coverage. Cases involving bankruptcy, alcohol, drugs, preexisting conditions, divorce, annulment, child custody, and many others are covered in a limited way.
Will-writing and contract reviews are among the few services covered for free by the Pre-Paid policies.
Its Alabama attorney defends the gap between associate's words and Pre-Paid's contracts by noting that it cannot be held responsible for the verbal assurances of its non-employee associates.
Stonecipher did not describe the policies as offering unlimited coverage. He pointed out that there are different levels of policies and that they cover different services.
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Pre-Paid Legal Services was the first MLM company I joined. I believe the membership can be beneficial, but the major problem I had with it was the compensation plan and the chargebacks. While I would never go so far as to call Pre-PaidLegal a scam, I would certainly not recommend the Pre-Paid Legal 'opportunity'. Besides a much better comp plan, another reason I chose Traverus was because I noticed Americans buy in their wants and not their needs. And everybody wants to travel.
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