hrmc webinar employee benefits
TRANSCRIPT
Opportunity of a Lifetime!
Protecting Families, Finances, and Your Future
TM
Harvard Risk Management Corporation
Resides in Cookeville TN
Married, ten children
Began marketing legal plans in 1994 and has personally sold over 7000 policies
Has earned over five million dollars in income from marketing employee benefits
Committed to helping others achieve financial successMark H. Riches
Chief Executive Officer
Harvard Risk Management Corporation In business since 1993
Specializes in the marketing of employee benefits to businesses
The largest benefit broker for legal and identity theft plans in the US
National enrollment team serving every major city in the United States
Compliance division offering compliance and security services
Protecting Family, Finances and Your Future
Harvard Risk Management Corporation
The current recession has been devastating to many
companies – but NOT to ours!
The demand for legal access plans and identity theft
protection has substantially increased in the last 12
months!
Harvard Risk Management CorporationA recession increases the need for legal
help! Divorces, foreclosures, bankruptcies, collection, and speeding tickets are just a few of the areas
that people are seeking legal help with daily.
Harvard Risk Management CorporationThe Need For Legal Access: You are three times more likely to be
in court than to spend the night in the hospital
The average attorney in the United States charges more than $200 an hour
The average employee takes 104 hours (13 days) a year off work to deal with legal life events
In a recent survey 7 out of 10 employees said they would find a legal plan to be a useful benefit
Over 80% of people do not have a current last will and testament
Pre-Paid Legal Services, Inc. Founded by Harland Stonecipher
in 1972
Publicly traded on the New York Stock Exchange
Ranked as one of Forbes “200 Best companies in America” - six of the last ten years
Corporate Offices Ada OK - 800 employees
National Network of professional law firms who were paid in excess of 100 million dollars last year
Over 55,000 corporate clients and 1.5 million members
PREVENTIVE LAW
· Unlimited Telephone Consultation
· Letters and Telephone Calls
· Legal Contract & Document Review
· Access To Legal Forms OnlineSummary of Benefit Only See membership policy for complete details, limitations and exclusions.
MOTOR VEHICLE
· Assistance with Moving Violations Anywhere in the US
· Drivers License Services
· Defense of Criminal Charges
· Personal Injury and Physical Damages Collection
ESTATE PLANNING
• Preparation of your Last Will and Testament
• Annual Updates
• Preparation of a living will and durable power of Attorney
TRIAL DEFENSE· Defense of Civil
Actions
· Pre-Trail and Trial Assistance
· Coverage Increases For the First Five Years
Life Events Legal Plan™ Summary
IRS AUDIT SERVICES
· Consultation
· Representation at Audit
· Representation at Trial
Summary of Benefit Only See membership policy for complete details, limitations and exclusions.
PREFERRED MEMBER
DISCOUNT
· 25% Discount from the attorney’s standard hourly rates for services not covered under the membership, including pre-existing conditions.
LEGAL SHIELD
• 24 Hour Access to The Provider Law Firm if you are Ever Arrested, Detained, or served with a Warrant.
Life Events Legal Plan™ Summary25%
FAMILYCOVERAGE
· Life Events Legal Plan Covers Member, Spouse and Qualified Dependents
Harvard Risk Management Corporation
There are over 27,000 identity theft victims every day in the US
The FBI reports that identity theft is now the fastest growing crime in America
Only 28% of identity theft deals with credit cards and yet most ID Theft protection plans only monitor credit reports
The average dollar amount charged in ID Theft is $92, 893
68% of all ID Theft victims had warrants issued for their arrest
Over 400,000 dead people opened bank accounts last year – AARP
FACTS ABOUT IDENTITY THEFT
Drivers License
Medical FinancialEmploymentSSA & IRS
Character & Criminal
Five Common Types of Identity Theft
Harvard Risk Management Corporation
About
60 secondsto find out that you
are a victim of identity
theft
It takes…
Harvard Risk Management Corporation
An average of
600 hours
to restore your
identity
• Credit Analysis
• Credit Monitoring
• Identity Restoration
Identity Theft ShieldTM
Covers an employee and their spouse
Kroll Fraud Solutions Group Kroll is the world’s leading risk
consulting company.
Headquartered in New York and publicly traded on the NASDAQ (KROL)
Founded in 1972 by Jules Kroll
Operates in 65 cities and 33 countries with over 3800 employees
A subsidiary of Marsh-McLennan (MMC), the nation’s largest risk management company with over 57,000 employees worldwide
Kroll maintains a superior expertise in monitoring credit and restoring the lives of identity theft victims.
Harvard Risk Management CorporationThe group rate for the Life
Events Legal Plan™ and the Identity Theft Shield ™ is
only
$25.90 per month!
That is less than the cost of a bottle of water a day!
Harvard Risk Management CorporationWhat kind of business offer these plans to their
employees? Public and Private Schools
City and County Governments
Health Care Facilities
Law Enforcement
Corrections
Manufacturing Companies
Trucking
High Tech Industries
State Governments
Association Groups
Banks and Credit Unions
Real-estate
Mortgage Companies
Automotive
Construction
Utility Companies
Harvard Risk Management Corporation
Contact businesses in your local market area and make presentations to them using professional proposals or power point
Meet with the employees of those businesses and do a 15 minute benefit enrollment or an identity theft workshop
Re-service your group accounts at least every year and enroll new employees of the company
Your Responsibilities Include:
Harvard Risk Management CorporationThe top commission paid on
each employee that enrolls is $181.82
Plans Per Month
Commission Per Membership($25.90)
MonthlyIncome
Annual Income
38 $181 $6,800 $82,536
55 $181 $10,000 $120,000
100 $181 $18,000 $216,000
150 $181 $27,000 $325,000Based on Top Commission Level
Harvard Risk Management CorporationYou also earn up to $52.30 a year in
residual income on every active membership!
Active Memberships
Annual Renewal
Annual Income
1000 $52.30 $52,000
2000 $52.30 $104,000
3000 $52.30 $156,000
5000 $52.30 $261,000
10,000 $52.30 $523,000Based on Top Commission Level
Harvard Risk Management Corporation“If it doesn't pay
residual income – Don’t do it!”
Robert Kiyosaki, Author of Rich Dad Poor Dad“If you’re not earning residual income then
basically you’re starting over every
day!”
Harvard Risk Management CorporationTraining Includes:
8 hours of on-line training to become a Certified Risk Management Consultant
Field training in your local market - Someone works with you to help you make your first presentations
Two day classroom trainings available monthly
Two day training at the home office of Pre-Paid Legal Services, Inc. in Ada Oklahoma on August 7th and 8th
Harvard Risk Management CorporationOther Benefits Include: High participation rate (Average of over
60%)
Guaranteed Issue - No underwriting of policies
Commissions paid daily by direct deposit
You set your own hours – no quotas!
Convenience of working from your home office
Monthly car bonuses
Annual vacations
Access to group health, dental, and vision benefits
Harvard Risk Management Corporation
The Sky is the Limit!
There is no limit to the number of
memberships you can write in a month and
there is no limit on the size of companies or
geographic restrictions
Opportunity of a Lifetime!
Protecting Families, Finances, and Your Future
TM
• Become an agent of Harvard Risk Management Corporation.
• Enroll as an associate and member of Pre-Paid Legal Services, Inc. ($49.00 one time associate fee)
• Begin your training online and open your first group this month!
• Bonus: If you write 38 legal & IDT plans this month you can earn a $2500 bonus!
Harvard Risk Management CorporationHow Do You Get Started?
Harvard Risk Management Corporation
This concludes the presentation
Please get with the person that invited you to the
webinar
Opportunity of a Lifetime!
Protecting Families, Finances, and Your Future
TM
Harvard Risk Management CorporationProfile of
SuccessDave Gilday
Cookeville Tennessee
Harvard Risk Management CorporationProfile of Success
Melissa Williams
Hammond Louisiana
Harvard Risk Management CorporationProfile of
SuccessBowie Ballard
Dallas Texas
Harvard Risk Management CorporationProfile of
SuccessThirman Bulluck
Cookeville Tennessee
Harvard Risk Management CorporationProfile of
SuccessKris Evans
Lebanon Tennessee
Harvard Risk Management CorporationProfile of
SuccessJim Carter
Columbia South Carolina
Harvard Risk Management CorporationProfile of
SuccessRenee McKnight
Tulsa Oklahoma
Harvard Risk Management CorporationProfile of
SuccessDr. Judy Smith
Overland Park Kansas
Harvard Risk Management CorporationProfile of
SuccessLinda Pitt
Portland Tennessee
Harvard Risk Management CorporationProfile of
SuccessRonnie Willms
Murfreesboro Tennessee
Harvard Risk Management CorporationProfile of
SuccessKim Ferris - Civisca
Buffalo New York