My Thoughts on the PHP Agency (People Helping People)

People Helping People or PHP is a network marketing organization that sells financial services - mainly Indexed Universal Life Insurance. In summary, I love the mission of the company and believe what they are trying to accomplish. However, I think the model they are using to help people is flawed.

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0:00 Our opinion on the PHP Agency and CEO Patrick Bet David
1:30 PHP Agency is simply an insurance company
5:50 Quit focusing on selling insurance and recruiting and start serving

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🤔 ABOUT LIFE180 😃
Chris Kirkpatrick launched LIFE180 as a solution to a problem. As the director of business development for a Fortune 1000 life insurance / broker dealer, he became disenchanted with the financial industry because of the lack of education provided to clients and how "financial advisors" were really just glorified sales people.

So... LIFE180 was launched to help give relevant financial education for people to create wealth. Along the journey, LIFE180 has evolved. Chris quickly realized he was passionate about not just helping entrepreneurs on how to leverage their money, but how to build their businesses.

Over the past 5 years, Chris has spent thousands of hours mastering the art of online business development for himself and clients. In 2020, LIFE180 morphed into a full service online business launch and development agency. If you need any help creating more revenue or generating more leads online, LIFE180 can help.

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*All content in this video is for educational purposes only and is not to be interpreted as personal financial advice.

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[LIFE]

What are some ways to create cash flow outside of wall street? Comment below!
Let's discuss your finances or life insurance business - click on the scheduling link in the description.

[insanevictor]

My past experience with php and majority of their agents is such a cancer and permanent stain. I’ve known family and friends that got manipulated and brainwashed by the vile snakes that represent that agency. When an agent would call me to try and setup an appointment, they never mentioned the agency name, only that such and such friend referred me and if I could help them by meeting up. I did attend and met with some agents as a favor to those I knew personally who went into it, their approach is worse than a stereotypical shady used car salesman.

[LuckyGirlMagic]

So i just had someone reach out to me about PHP. I watched the video. Im not trying to be mean this was just my first impression of someone trying to be recruited. One i have no experience what so ever in it. Shoot i didn't even know it existed but i was willing to listen. Instantly my gut felt the delivery of the PHP video was the equivalent of a car sales man. Two i felt it was more of a story then to the point of what I would be doing and what it's about. This is no disrespect towards the company or ceo just my first impression. I am the type who likes to get right to the point of who what where when why vs the sales pitch tactic. I am so glad you guys made this video. I also googled and did my research. This isnt a hey come join our team thing its a pay for "knowledge" thing. I highly do NOT believe in gate keeping knowledge. I understand not everything in life is free but if it was more about the people then the money the information would be easier to find. More power to anyone who chooses its for them but my instant gut feeling is its not for me.

[LIFE]

This video is not meant to be negative. I am a believer in Network Marketing as an industry. However, I think there are a lot of glaring holes in the business model of PHP. This video is intended to bring light to those holes for the people who are considering joining PHP and are unaware of what to look for.

[QberEatz]

Great video. BUT, PHP is not an insurance company full of insurance agents. Their products and services include 401k rollover, Annuities, Long term care, and Debt Settlement as well. That’s why they are considered a Financial Marketing organization.

Yes, everyone who joins gets trained to become licensed in Life insurance. Now the policies they offer include Term, Whole life, and Universal whereas some of their competitors only offer term. They’re big on educating people on financial literacy, team building, and personal development.

[fmaforlife]

They posted in facebook that they provided a work from home job. When I met them I found out they sell insurance policy, then the second time I came they were recruiting me. I felt like it's a cult. I am scheduled to be train but now I am beginning to be not intetested.

[KeyAir]

I'll say this I just started PHP I'm on the verge to get my sales license but from the way I look at everything it all depends on where you're at like one of y'all said in the video there are some people in it for themselves and others out to help people so some of the team might have bad coaches that don't teach the business fluently which gives a end result of people complaining I see it right away.

[juanzapata]

The MLM Agencies add to the stigma of Life Insurance Agents..

[joshuafootman]

Great video bro I'm a insurance agent that was part of PHP. And you guys hit it on the nail with pulling people off the street and convincing them they can sell life insurance. In the marketing they promote the IUL and it's gets people thrilled but if you don't know how to design it the client is in big trouble. My biggest frustration was they claimed Every Tuesday night I'd get training. Well it was just mindset talk to go recruit. When I wanted to be a student of life insurance. I met great people but it is exhausting going thru all those people who never stay. I know my upline got mad because I focused on learning and selling insurance not recruit. But good video

[thyslop]

So to change the stigma they call it network marketing when in reality it is just a MLM?

[MrPalfonso]

I get where you’re coming from, the thread in all of Network Marketing is that to this day, people who get involved are caught up in the hype, you still have to work, HARD. Part time? Sure not as a hobby though. An insurance agency is one of the closest model to a network marketing strategy. As is a real estate broker, I’d like to get into it more however nice video

[nathanbarragan]

I am an Agent in PHP agency. I have examined many other companies and will be the first to say if you decide to get involved with our company make sure you read up on the things that you’re going to teach. You can damage a clients finances if you’re not completely knowledgeable. Our mentorship is amazing, however I never relied on my upline to educate me on everything. We have a culture of self development and encourage people to read books and learn the finance industry. I wish you would drift away from your click bait titles for your videos to increase your views. Respect to what you’re doing to increase the viewership of your channel and educate people coming into the industry but there’s always two sides to everything.

[davidwilkerson]

PHP has a fantastic training system in place, they offer continuous education for their agents. As an agent for PHP, you have to pass state life insurance/annuities exams and get licensed. You can be very successful in PHP if you stick to the rules, engage in continuous education and focus primarily on client needs.

[strttruthnochaser]

Combat Veteran here. Two degrees In business. I was introduced to PHP and for a few hundred bucks I learned how to leave over six figures I've never earned with 2 business degrees. The support I have never witnessed before in any other setting besides two jobs but even then it was only to an extent.

[susanaangulo]

I know someone in PHP. According to them, they cannot disclose any information until you pay THEM for the “training”.
In terms of compensation, you don’t get paid until you make a sale. There is nothing else.

[LxcidsV]

I’ve been with PHP for Years the training is amazing and the coaching! I’m a licensed broker in the agency.

[haleychapman]

Thank you for this video! I attended a zoom call and they were selling me in the idea of IUL and if you had an emergency you could get money out of it. I decided to research this. They said it's better than to invest into IUL than roth

[RVADrummer]

I have a problem with the MLM business model being incorporated with the insurance industry. First, not everyone can pass the LH exam. Next, at the end of the day, which is the driving force of the business: the insurance products or building an MLM network?

[tracyaymond]

PHP Agency is a great company. I don't think you can fully understand an organization unless you spend time working in the organization and giving it all you got. PHP and PBD are huge on personal development which is great for people especially those that have been an employee all their life. The main way to address the issues highlighted in the videos is through entrepreneurship. Yes, turnover is high. But that is not unique to PHP. Most people won't do anything special. So lots of people try PHP, but most don't succeed because of their issues, not PHP. Most people look for ways not to do something, rather than just working hard and succeeding.

[Roger-iliw]

Patrick came from Iran and made his American dream. The insurance game is sketchy, but I ain’t mad.