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Marketing Agreement - And Justice for All Inc. and Protective Life Insurance Corp.

                               MARKETING AGREEMENT

         THIS AGREEMENT, entered into this 8 day of October, 1997 between AND
JUSTICE FOR ALL, INC., d/b/a LEGAL CLUB OF AMERICA (hereinafter referred to as
'CLUB'), a Florida corporation having its principal office at 1500 N.W. 62nd
Street, Suite 404, Ft. Lauderdale, Florida 33309; and PROTECTIVE LIFE INSURANCE
CORPORATION (hereinafter referred to as 'PLICO'), having its corporate
headquarters located at 2801 HIGHWAY 280 SOUTH, BIRMINGHAM, ALABAMA 35223

         WHEREAS, CLUB offers memberships to the public, whereby persons may pay
a monthly fee and receive legal services from participating attorneys at a CLUB
predetermined price;

         WHEREAS, CLUB enters into agreements with participating attorneys to
provide legal services to CLUB members at CLUB predetermined prices;

         WHEREAS, CLUB wishes to market and sell its proprietary services to the
public, and to enroll additional CLUB members, and the parties have agreed upon
the terms under which PLICO shall market these services on CLUB'S behalf; and

         WHEREAS, PLICO and CLUB agree to the following terms for this specific
case marketing Agreement, all as set forth below;

         NOW, THEREFORE, for good and valuable considerations, the receipt and
adequacy of which are hereby acknowledged, the parties, intending to be legally
bound, agree as follows:

         1. PLICO agrees to use its best efforts to market and sell CLUB
memberships during the Term (as set forth below). CLUB does and shall continue
to market such memberships itself and through other parties, and PLICO shall not
have any exclusive marketing rights or any exclusive territory.

         2. PLICO is an independent contractor of CLUB, and is solely
responsible for the time, manner and place of performance of its duties under
this Agreement.

         3. PLICO shall continuously appoint a representative to act as liaison
to CLUB; initially, this shall be Steve Klister.


         4. The Term of this Agreement shall coincide with the terms in the
original Direct Marketing Agreement signed between the parties.


         5. PLICO shall conduct telemarketing targeting the lists of leads to be
provided weekly by CLUB to sell CLUB'S legal services plan. Said lists shall
include names, addresses, and telephone numbers of individuals that contact a
televised infomercial unrelated to CLUB'S programs. PLICO is responsible for any
and all costs associated with said telemarketing program. Said costs may include
telemarketing service representative costs, toll charges, literature and
advertising brochures, and other related items associated with the effort.

         6. PLICO shall submit all printed and scripted marketing materials to
CLUB for its approval of their compliance with CLUB'S policies as reasonably
promulgated from time to time, including but not limited to regulations
applicable to marketing efforts, advertising, collections and other matters.

         7. CLUB shall review all marketing prior to dissemination and shall
have final approval for any and all marketing pieces regardless of the marketing
technique used.

         8. Upon enrolling new CLUB members, PLICO shall remit all new enrollee
information in a computer compatible format on a weekly basis.

         9. PLICO shall bill and collect the price of membership, and subsequent
membership in CLUB from each new enrollee. PLICO shall remit to CLUB the ongoing
monthly member service charges within thirty (30) days of the end of each month
for the number of net members calculated monthly. The final price of membership
shall be agreed upon by the parties in advance of any marketing in order to
maintain regulatory compliance.

         10. PLICO shall remit to CLUB the one time fulfillment fee of $1.85 per
new member enrollment within thirty (30) days of the end of the first new month
of membership. Said fulfillment fee becomes due and payable upon actual
fulfillment by CLUB regardless of any subsequent cancellation of membership.

         11. PLICO shall remit to CLUB monthly member service charges. Said
charges shall be one dollar per month plus twenty percent of the total monthly
amount to be collected by PLICO for each membership. (i.e. $1.00 plus
$1.80=$2.80 per month based upon 20% of an $8.99 monthly membership fee per


         12. CLUB shall provide fulfillment services to all CLUB members
enrolled by PLICO as remitted to CLUB. Fulfillment services consist of
processing and databasing all new enrollees, providing attorney information,
packaging, and mailing a new member kit consisting of a welcome letter,
membership card, Planmember Guidebook, Last Will and Testament Questionnaire,
and Legal Check Up and Fact Sheet.


         13. CLUB shall provide ongoing customer service through a toll-free
telephone number to all CLUB members enrolled by PLICO on weekdays from nine
o-clock a.m. (9:00 a.m.) until eight o-clock p.m. (8:00 p.m.)EST.

         14. Customer service provided by CLUB shall include servicing all
member inquiries, attorney re-assignments, and other non-billing member related
services. All billing related inquiries to CLUB from PLICO enrolled members
shall be referred to PLICO offices.

         15. Except as otherwise provided in this Agreement, any dispute between
or among the parties, including but not limited to any claim based or arising
from any alleged tort or contract, shall be resolved 

by arbitration in accordance with the Commercial Arbitration Rules of the
American Arbitration Association.

         16. The parties hereby agree if any provision of this Agreement is held
to be invalid or unenforceable, all other provisions shall nevertheless continue
in full force and effect.

         17. The parties hereby agree that modification and waiver of any of the
provisions of this Agreement shall be effective only if made in writing and
executed with the same formality as this Agreement. The failure of any party to
insist upon strict performance of any of the provisions of this Agreement shall
not be construed as a waiver of any subsequent default or breaches of the same
or similar nature.

         18. The parties hereby agree that this Agreement contains the entire
understanding of the parties. There are no representations, covenants,
warranties or undertakings other than those expressly set forth in this

         19. This Agreement shall be binding on and inure to the benefit of the
respective parties hereto and their successors and assigns.

         20. All references to gender or number in this Agreement shall be
deemed interchangeably to have a masculine, feminine, neuter, singular or plural
meaning, as the sense of the text requires.

         IN WITNESS WHEREOF, this Agreement has been executed and delivered in
the manner prescribed by law on the date first written above.

BY:                                    BY: /s/ Charles R. Misasi
   ---------------------------------      --------------------------------------
   WITNESS                                PLICO OFFICER SIGNATURE

                                       BY: /s/ Charles R. Misasi, Vice President
                                          PRINT NAME / TITLE

                                          [CORPORATE SEAL]

       WITNESS                         AND JUSTICE FOR ALL, INC.

BY: /s/ MARCI RUBIN                    BY: /s/ BRETT MERL
   ---------------------------------      --------------------------------------
                                          [CORPORATE SEAL]

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