Over the past 3 years I have been offering prepaid legal plans to my Mortgage and Financial Planning Clients.  Not only has it been a worthwhile experience, but also a lucrative one.  Working as a Financial Planner I ask my clients many questions.  One question on my questionnaire is "Do you have a Will?".    Less than 20% of the clients I have met with actually already had a will prepared. 

 I have heard excuses like: "It's to expensive",. "We have been thinking about it, but just have not done it yet", "We are too young to think about that now".   And many other reasons I won't list.   

 The truth is that for a comprehensive Financial Plan,  you really need to think about how your plan will work in the case of your death.  Do you have children?,  Do you want to leave money to charity?,  Do you want to split it among 3 siblings?.   If you do not have a properly written will, you may end up leaving 70% of your estate to uncle same and only 30% to your loved ones.   With a prepaid legal membership one of the things that is included is a fully executed will written by a Law Firm for you and your spouse.

But you say  "I have never used an attorney".   Well it is not weather you have used one or not, but weather you could have used one.   Listed below I have created 101 reasons why you should have access to an attorney.  They also market one of the best Identity Theft Coverage's in the market today.  In a future Blog I will talk to you about the Truths and Myths about Prepaid Legal Services.

 101 Reasons to have a Prepaid Legal Membership Plan

 1. Your car insurance is canceled when your teenage child is involved in an accident

 2. A neighbor's child is injured playing in your yard

3. Your dog bites an elderly passerby

4. The auto repair shop threatens small claims court for money you don't owe

5. The IRS selects you for an audit

6. A tenant falls down stairs and sues you for negligence

7. Your child throws a baseball through a neighbor's car window

8. A merchant refuses to honor a guarantee

9. You have an accident driving your friend's boat

10. Your deceased spouse didn't have an up-to-date Will

11. A minor is caught breaking into your home

12. Your drivers license is suspended

13. Your landlord raises rent in violation of your verbal agreement

14. Your teenager is accused of shoplifting

15. You decide to change your name

16. You are cited with DWI/DUI charges while taking medication

17. Creditors threaten to take action against you for your ex-spouse's debts

18. A neighbor reports you for child abuse

19. You decide to adopt

20. A friend owes you money and files bankruptcy

21. Family members challenge your parent's Will

22. A friend is injured on your property and sues you

23. A stranger calls and demands money or damaging information will be released

24. Your car is damaged by a hit-and-run driver

25. You accidentally back over a neighbor's garbage can that was not in a proper place

26. A hairdresser damages your hair with harsh chemicals

27. Your child wrecks the car and a friend is injured

28. You are subpoenaed

29. Your are called to jury duty

30. Your long drive off the tee injures another player

31. You need a lease agreement reviewed

32. Your son is injured in a football game

33. A neighbor trips over a rake in your yard and breaks a leg

34. A jeweler sells you faulty merchandise

35. A car dealership gains illegal access to your credit history

36. You are hit by a bottle at a baseball game

37. Your parents die and leave you executer of their estate

38. Your dog or cat is poisoned

39. You are injured when you slip on a wet floor in a public building

40. $1000 found-can it be kept?

41. Your neighbor's dog barks for hours every night and they won't do anything about it

42. Your teenager gets a speeding ticket

43. Your landlord refuses to refund your cleaning deposit

44. You need an attorney's advice on any matter

45. A neighbor's dog attacks and kills your pet

46. Your landlord enters your apartment without your permission

47. You lose an expensive watch in a hotel and the manager claims no liability

48. Your boat is damaged while in storage

49. A speeding car nicks your car bumper because you had parked on the street

50. Your neighbor injures themselves on your property

 51. Wedding date set and you change your mind

52. Your ex-spouse claims a right to your earnings

53. A CD club sends merchandise after you canceled your membership

54. You are refused service at a restaurant

55. A property manager refuses to rent to you

56. You are denied credit for no apparent reason

57. You are fired without just cause

58. Your property value is reassessed

59. You don't have a Will

60. You don't understand the difference between a Will and a Trust

61. You made a sizable gift to charity

62. Angry words result in a slander suit

63. You need a patent for an invention

64. You need to copyright your manuscript

65. You are wrongly accused of committing a crime

66. Your right to privacy has been invaded

67. Your car is vandalized in a parking lot

68. A postal carrier slips on your walk and breaks his or her leg

69. Your HMO rejects a request for a specialized treatment , etc

70. You are stopped for speeding and a friend is in possession of marijuana

71. Your teenager backs over a friend's mailbox has the wrong price tag attached

72. A store will not sell you an article because it

73. You are cheated by a door-to-door salesman

74. A repairman charges more than a given estimate

75. A creditor tries to put you in jail for owing money

76. A year-old accident results in a personal injury

77. Your car is unjustly repossessed

78. You are scheduled to appear in small claims court

79. Your new house has bad plumbing and a leaky roof

80. Your teenager runs over a friend's foot in the high school parking lot

81. Your auto mechanic will not honor a warranty

82. You are buying or selling a home

83. You have a minor fender bender while driving a friend's car

84. You have liability questions in launching a new business

85. Your neighbor's dog bites your child

86. You have a property line dispute over a newly installed fence

87. You are asked to be an eye witness to a crime

88. You need a premarital agreement

89. You are buying or selling a car

90. Your cat scratches a neighbor's child

91. Your bank sends a foreclosure notice after one house payment is late

92. A retail store won't accept the return of defective merchandise

93. A home repairman won't stand behind his work

94. A trespasser is caught on your property

95. You are leasing acreage

96. Your spouse dies and left no Will

97. A bank turns you into a credit bureau unjustly

98. You need advice concerning a divorce

99. You need advice concerning grounds for adultery

100. Your neighbor's tree limbs are in your yard

101. Your husband or wife uses force against you

If you would like to know why someone a Realtor or Mortgage agent should have a prepaid legal business plan, send me an e.mail and I will be happy to send you a list that pertains to your industry.