Is PHP a SCAM? Watch this VIDEO Before You Join!

[@dmclovin5106]

if you see anything with materialistic things (cars, mansions, money, etc.) .. RUN! and RUN FUCKING FAST.

[@lifeandlibertycrew1906]

I guess you don't really look around much. Most businesses do the same thing. What business says we are dirty, filthy, losers come spend your money here?

[@mj23926]

@@lifeandlibertycrew1906 yea other pyramid scheme businesses haaaa losers People Helping People, more like People Scamming People

[@Alex-vk7qg]

PHP is a Pyramid! The money and new clients are flowing up not down. 1.Patrick claims only the top 600 agents are making the money because they are the ones coming to meetings and working, FALSE!! if the other 23,000 agents did not exist as recruits would the 600 be making six or seven figures, absolutely not!! This means only 00.025% are making money, and let’s be clear it’s from their recruits not their own personal production , they even brag about how many tens of thousands they made in month and their personal production is close to nothing. That means that if the rest of the 23,000 agents wanted to make money, they would have to have about 1,000,000 agents to make them money (0.25% of 1,000,000 is 25k, this is according to Patrick during the video and 600 example) 2. PHP agents are making small commissions (30%), the rest goes to your “upline”. You can get a job with any insurance company at 90-100% commission. 3. PHP agents are NOT getting “overrides” they are getting a split of the commissions which is 100% or up to 135% that could be negotiated when you have a huge amount of business coming in. This is very deceiving for inexperienced agents and especially random people with no knowledge. So when they tell you that you are getting an override from your agents that are at 30% , you are at 50% you the the 20% difference, PHP will get the other 50-80% 4. No insurance company charges you $200 to start, they even charge people before they know wether they are able to get a license, they sell you an insurance policy on yourself instead of waiting until you are licensed so that you can make your own commission. No company charges you hundreds of dollars every year to attend their kick off meeting. 5. There are agents or should I say "Financial Advisors" that have absolutely no product knowledge, they only focus on recruiting. I know this because I have been pitched by a friend, she told me "I don't know the products I only focus on recruiting". Also PHP agents are only licensed for life and health products, they DO NOT have a securities license like WFG (who I also don't approve of) 6. They have 3 meetings a week just on motivation and how much money the top 0.01% make and how you can get there in no time, 3 meetings on why you shouldn't quit. 7. You are not a business owner, you DO NOT own your book of business. You are also captive, you CAN NOT work for any other company, no matter how good the opportunity is for you. Most agents can work with multiple companies, sell different products and take advantage of all the opportunities that your insurance license offers. 8. If they have 22K licensed agents, they have probably recruited over 100k, or 200k people, only God knows, that all paid $200. That could be $20,000,000 or $40,000,000 all going to Patrick. This is why he doesn't get rid of that ridiculous fee. The number could be bigger because 80% of people fail the life and health test the first time.

[@vadertime9880]

@@Alex-vk7qg where do you work at?

[@Alex-vk7qg]

@@vadertime9880 I have worked for Transamerica, Combined and Guardián. I now started my own insurance agency.

[@adampearlstein4319]

How to make this video better: 1. Lose the guys in the back, nobody aspires to be those guys 2. Drop the fancy cars 3. Drop the edm music 4. Don't wear sunglasses 5. Answer criticisms poignantly instead of rambling defensively 6. Don't use the word "hustle" 7. Don't compare yourself to Oscar de la Hoya People want to be wealthy, not rich. Being modest would go much further.

[@willyz5405]

You destroyed these guys scam like your a master 👀❄️ So cold lol

[@Carlos-sh6iu]

Great points

[@colinj5291]

The guy in the back on the left looks totally ridiculous. He looks like how a 21 year old would dress in...2002? He looks 50...

[@IvayloKorakov]

SCAM ALERT!!!!

[@stephanietube2692]

... its like watching the kiosk people at the mall trying to sell something useless by throwing too much at you at once

[@alecnguyen838]

My man your tactic of replying "I'm rich and you're not!" Screams the same fragile ego of a 12 year old xbox player when he gets called out for saying his dad works at Microsoft and will get you banned

[@StrengthOfSamson45]

@@DBthaprophet again with the self stroking. Lmao .

[@Editnamehere]

@@DBthaprophet show tax returns if you want to shut people up. If not. Sdfu.

[@Editnamehere]

@@DBthaprophet make a video. I don’t need your burner number. 😂😂😂😂😂😂 I can use emojis too. 😂😂😂😂😂🤦‍♂️😂🤦‍♂️🤦‍♂️😂😂😂😂🤦‍♂️🤣😂😂😂😂😂😂😂😂🤦‍♂️😂🤣🤞😂😂😂😂

[@nicoleharris3304]

I can say this. I’ve been with PHP since the beginning of the year and I am yet to make anything. BUT THAT IS MY OWN DOING. I have taken my time getting licensed and appointed and I don’t recruit. No one has pressured me to recruit. No one has been up my ass about bringing in more people or anything like that. It’s an opportunity for you to make what you want of it. Since joining, the training and information that I have received is incredibly valuable to me. It’s things that I was never taught by my family or at school. I had no idea about anything. And to me, even if I decide to not go anywhere with the business, the access to the information, is worth the initial 199.

[@diegoromero1587]

How much have you made so far?

[@HumbleWorldTraveler]

I just started last week and am happy to see the available list of both PROS and CONS..with any business. I just enjoy learning new things and I’m happy I got to see another persons viewpoint

[@Alex-vk7qg]

Do you guys know that you va get appointed with any other company and make 90-100% commissions per sell. And actually get product training, referrals and access to business accounts with thousands of potential clients

[@mitubecarlos]

Did you trough this....did u try it? Made money? Did it work?....scam?

[@lilsabin]

Let me make is simple for you ... When you hear "...JOIN THE BUSINESS..." , just go the opposite way... You dont "JOIN" a business , you get "EMPLOYED" in a business , know the difference

[@StrengthOfSamson45]

The fact that you have to make a video about PHP not being a scam, is a answer in itself...a scam.

[@isaac697]

Its called education buddy, if your told something over and over soon enough you'll start to believe it even though subconscious you know its wrong. But then again this kind of opportunity is not for everyone.

[@StrengthOfSamson45]

@@isaac697 Sorry Junior, don't confuse misinformation with education. I've been to a PHP recruiting event. It's a joke. Snake oil salesman.

[@StrengthOfSamson45]

@@DBthaprophet You recruit people, and you get paid when that person you recruited sales their bogus insurance. There, I put it in it's lamest terms for you. Troll on the internet? Lmao please! You people are the trolls out in the real world. FaceTime to compare? I feel bad for you. Honestly I do. The fact that you "challenge" people to stroke your fragile ego, says a lot. Is this what your "mentor" tells you to say and do? So much for people helping people. Word it however you want it, but your slick talk isn't working on me, junior.

[@StrengthOfSamson45]

@@DBthaprophet come to your channel, where you have a select audience, and you can edit the video to your liking, yeah that's a pass. It's funny how you assume what I do for a living. Great thinking. Here's some ethics for you, PHP has uplines/downlines. I don't need to explain that to you, that's what PHP thrives on. Selling insurance is just a front. I've been to a PHP mass recruiting "interview". Funny how the presentation is focused around a sad story, and suddenly becoming rich and "financial freedom". With a brief mention of insurance. Your company preys and takes advantage of minorities in low income communities. PHP even has these idiot "agents" posting "training" videos on KZbin where it demonstrates how to deceive people. "We're licensed by the state." Congratulations, you found a loophole to scam people by selling insurance. Here's a fun fact, when I left that ridiculous mass recruiting, The speaker, last name Powers, told his team, "Don't let him leave, don't block his path, but direct him back in. Tell him whatever you need so he stays." As I sat in my car, watching 3 goons look for me in the parking lot. Disputed. You had a few days, and that's what you came up with? Do your homework, your fraudulent talk doesn't work, I'm not the one. No reason for you to retort, you'll only repeat what you've been saying because that's PHP's model. Just like WFG, and Premerica. You're a actor who reads a script and follows blindly to your "mentor" who leeches off of you, exactly how you leech off your downline.

[@HazardonerFTR]

Dwayne Burns stop bro please your just getting body slammed ☺️👌🔥

[@viviendoenlos80]

It’s simple to know when it’s a scam....if you ask any company “So what does your company do?” If they can’t give a clear answer then it’s a scam....

[@IAMSTEVENYANG]

If you’re a truly are licensed insurance agents, why not work some of these biggest insurance brokers like New York Life? NYL is the same type of MLM scam too.

[@IAMSTEVENYANG]

@Dwayne Burns Dude, the fact that you have to keep defending yourself when people comment that your company is a SCAM and you made a video on the Internet proves that your company is fake and a SCAM. Do you see any of the big financial services companies like Chase, Bank of America, Wells Fargo have their employees make vidoes on KZbin telling people they’re business model is not a scam? I didn't think so.

[@startdme]

You are right Lucy

[@stevenfelix1661]

PHP Does work with NYL Dumbass🤦🏽‍♂️

[@stevenfelix1661]

The banking industry invest all of their money into insurance companies that PHP is partnered with

[@gerardlife]

😂😂 it is, also selling insurance doesn’t make you a “entrepreneur “ let alone a business owner

[@ValentinSal]

Dwayne Burns Come on, don’t take it personal that you throw professionalism out the window. The guy above had a point Bc even I see these recruits promote being a business owner, contacting friends and family about this opportunity, and aggressively trying to recruit before even acquiring a license. This company hasn’t even gone public in the market. You also mentioned De la Hoya investing in the company. If you got the money, investing is a good option. All these MLMs all have a public figure that promotes the company. It’s all the same business techniques as any other MLMs. I understand you target the ppl who aren’t happy about their job or wanting extra side money. But even you know, there’s high turnover in that which I was hoping you would’ve mentioned. What about this solar company you started? That sounds more interesting than life insurance

[@gerardlife]

Val B Thank you for being a smart and rational human being, these people get all defensive and flip out as soon as you start throwing facts at them, it’s so funny how they automatically assume you work a 9/5 or you are broke just because you don’t agree with this “business “ . My friends got recruited by this company and got sold the entrepreneur lifestyle, they told him he would be a business owner, financially free and even got told he could become a millionaire in 4 months, next thing you know he quit his job and in a couple months lost everything.

[@ValentinSal]

GerardLife Yeah it’s rare to have a business conversation with these guys. If he doesn’t see a way to get a sale or RECRUIT, then he won’t pay attention or hear criticism, instead he will boost himself up to compare with ppl he doesn’t know 😂

[@michellematamoros3214]

Dwayne Burns Exactly my point. You got a whole solar company. With PHP alone it is not sustainable. I think solar will be big in the future. I think it is okay that you have a different opinion than me. Keep up the good work. 👍🏻

[@michellematamoros3214]

Val B Yeah I totally agree.

[@RandomFreak333]

10 months of experience with php here, adding on to the things you left out: there’s a $200 fee, a back office fee, low comp (starts at 30%), forced positivity, mainly recruiting training, a lot of empty motivation speeches and stories from the top people. If you’re not duplicatable/ coachable, people will think you’re weird and shun you in some ways. There’s a lot of psychological tactics for them to keep you hooked: the forced positivity, making you feel as a family, the chants, making you feel bad for not being on time, etc. They emphasize on self development, with the book of the month. 3 conventions per year, which is another $200 (Big Event and TTT). Also, you have to qualify for everything which is annoying; get a certain amount of points, apps and recruits. So like they said in this video, do your research, look up other fmo/imo and compare them so you have some knowledge of each. In the end, they’re all the same. PHP is cool because it gives you the learning curve and experience of what it’s like to run a business but with a lot of unnecessary hype. Hope this helps people looking into php agency

[@georgecastro3984]

How much money have u made so far ?

[@RandomFreak333]

george castro I’ve made $107 and some change. They made me focus more on getting promoted first then getting paid. You need a license to get paid, so instead of getting paid you get compensated with points, which add up to your next promotion. The point system is really confusing but, in the end, I ended up quitting. I spent 10x more than I made in this company (no exaggeration)

[@trinidoll8503]

@@RandomFreak333 can you hit me up please? Im currently in the processof joining and would really like to hear more opinions... instagram? trinii_doll

[@VinceRoyale]

@@RandomFreak333 Do you think if you stuck with it you would have came across some untapped markets or rollovers and eventually profited?

[@RandomFreak333]

Vince Royale possibly but, prospecting isn’t my thing. I eventually changed to a different imo and made my money back and more

[@stephanietube2692]

not believable, sorry guys

[@stephanietube2692]

@@DBthaprophet hahah please address the startup fee and explain what a back office fee is; and why they are necessary for a job

[@joearispe337]

@@DBthaprophet can you explain why after recruiting 15 people are use expected to keep recruiting? From there shouldn’t I just go to financial services sales. It sounds like you make more money recruiting then you do actually in sales.

[@mikekeys2271]

It's simply selling life insurance lady

[@lekeitronyoung100]

I've read through a strain of these comments, and I can definitely tell this screams pyramid scheme. for starters, wouldn't you want to educate future potential prospects instead of bashing them in a condescending manner? that seems like poor business practice/ etiquette. second of all, Mr. burns himself replied to a comment pretty much saying you pitch this scam to future prospects or "business partners". that seems extremely fishy for a legitimate business they proclaim to be. if you were making money, why do new sales members have to pay a fee just to join? how come these salesmen get so defensive whenever your arguments or opinions contradict theirs? to each their own, but if you're running a "business" such as this, at least do things that'll further legitimize it and make it look professional

[@lekeitronyoung100]

@@DBthaprophet sure, I'd be interested in having a debate. if you don't mind me asking, why does it have to be on a live?

[@lekeitronyoung100]

@@DBthaprophet hey, when's the debate?

[@lekeitronyoung100]

@@DBthaprophet sure we can debate privately, but I don't consent to having our personal conversation shared with the world or exploited in any way. when's the best time?

[@osamadias1756]

Exactly that's why it's a pyramid scheme. And did u know there is no refunds after 3 days from being recruited!!! They will use your personal info agianst you. I had to report to the FTC and BBB and small claims courts and social security administration and the IRS

[@osamadias1756]

And they don't tell you anything about the rules and they make you sign amd put down your social.

[@incognito8111]

Always remember, if you aren’t selling something you’re being sold on something

[@danielalvarezjordan]

Yes, you’ve been sold on your own idea believing that you can become successful without putting in the work. The biggest problem in the world today is the victimhood mentality. This is a year old but man, hope no one believes this victim mentality crap.

[@ChurlzVA]

Look at the video creator's replies in the comments section. That should tell you enough of what kind of person they are.

[@ChurlzVA]

@@DBthaprophet Alright tough guy lmfao

[@chessdragon_z]

What about the guys in the background, can they talk, or are they just props like those 2 cars?

[@bigb488]

😂😂

[@fal578]

Damn, almost fell into this trap. I’m glad I didn’t. Reeks MLM to me.

[@julian2789]

I was really considering joining Php until I researched it and saw all the negative reviews. I'm fresh out of high school, and I am interest in the market/ economy. I read books like Rich Dad Poor Dad, and Think and Grow Rich. I really like learning about these things and money. I had an interview not to long ago, and it went really well. However, I'm really starting to change my mind after reading most of these reviews, they're all negative for the most part! In the interview it sounded nice that I could work from home, and had my own hours to choose from, and she even said that I could make one big sale a week and be fine to not work until I felt like working again. I asked her how her day to day life looked like, and although she didn't give me a straight answer. She kind of went around it and explained how ones life could look like, not what her life looked like on a day to day basis. Now I'm at a turning point where I am no longer interested, yet I feel bad because I actually had my hopes up that this would be a great opportunity for me. If anyone could explain to me WITHOUT BIASNESS whether or not this is a great company to work for I would really appreciate it. It's hard for me to believe that any of this could be true, and I'm starting to believe that maybe I'm making myself think this business is great when all actuality it isn't. I watch Valuetainment pretty much every day, and the information is very helpful, and all these negative reviews makes me question Patt's entire business. I really looked up to the guy, does this mean his channel isn't worth listening to? I'm seeking financial freedom, and I thought this way a great method to achieve it, through Php. If not then I can simply seek other methods of financial freedom. I just need someone who's been apart of Php to clarify if it's even worth my time. It would be really helpful and beneficial to me, thank you in advance to anyone who responds.

[@julian2789]

I forgot to mention, the method you make money seemed pretty legit when the lady told me in the interview. You sell insurance and get paid a percentage, she used 50% in the presentation. Though I don't know what percentage you get per sale you make if you just freshly started working there.

[@TheWholeDamnShow007]

MyLittlePony_Fanboy bc you’re fresh out of HS the chances of you winning are slim. Your warm market is a bunch of 18-21 year old. Your best bet is to get license but become an independent agent and buy your leads. As far as Pat goes, that’s been his plan al long. Is to build him an audience that will buy from him. You fell for his con artist trick.

[@latoxica1500]

Yo same I feel the same way

[@daughterofzion9642]

One of the best decisions I ever made was to join PHP. All the negative comments made more interested because most people don’t seek to understand and let fear drive them. It’s not for everyone but it was definitely for me and my husband. And all these people working a 9 to 5 please look at your pimp boss the same way. Who is telling you when to go to take a break and eat your lunch...take off for work.

[@robertsalgado4410]

@@julian2789 I see this post was a year ago. I have a question for you. How is your life going now? What are you doing for work? And last where are you from? I want to connect with you Julian. I can tell you first hand how PHP has changed my life. It is one of the best decisions I have made up to this point.

[@davep5647]

Wow,you call putting in endless hours over 9 days as some hard struggle? Which one of you'se has the GED?Is dis da Jersey Shore posse?Or da fast and furious?Badaboom,badabing,caprice?

[@TheDeylyDose]

@Dwayne Burns, curious, what made you decide to go to FFL?

[@ShariNicole16]

I seen another PHP who worked for a year with them, switch FFL as well. FFL i hear no fees but you pay for leads. Some chick on here said she spent $2k in leads. Smh FFL gets a bigger commission cut though.

[@TheDeylyDose]

@@ShariNicole16The cost of leads has to be subtracted from the commission to get a true monthly earnings.

[@ZacheryQuinones]

They make so much money yet can't afford a decent production budget for this scam pitch.

[@ChurlzVA]

Right? I can barely hear those idiots over their rental cars LMFAO

[@eddieeddie8256]

Y’all dumb af that’s why y’all going to stay broke

[@eddieeddie8256]

Php agency all day every day baby

[@davep5647]

Bahaha!

[@ChurlzVA]

@@eddieeddie8256 Broke? Oh man, I give you a few months for you to see how much of a dimwit you are.

[@calahbutterfly]

Im so sorry but i cant move past how i joined but they want to "train" with my contacts before im licensed. Which is basically a pitch im involved in and if my contact is interested and wants to purchase,,,i wont get paid for it.

[@xavierc3025]

This why I'm using them to get my license now and pull out to get them sales. They helped me identified warm leads

[@dyyy270]

You see materialistic things (I.e. cars) RUN..also everyone and their moms can get that license for “financial services”

[@alwaysmichelle]

These comments are dragging the hell out of php

[@BMWX1M]

These guys are "The bottom of the barrel" type"

[@TheoGarza]

I feel so sorry for you and your family members. I pray you all wake up and get out of this trap.

[@ChurlzVA]

@@DBthaprophet Real professional of you.

[@stephanietube2692]

Dwayne Burns PLEASE STOP COMMENTING ON MY COMMENT!!! you already made your point, i gave up yesterday. Quit trying to be a bully!! we get your defensive over your company, i dont care anymore.

[@stephanietube2692]

@@DBthaprophet youre a bully

[@stephanietube2692]

I called you on a blocked number, simply telling you to PLEASE STOP and that I do not care anymore

[@TheWholeDamnShow007]

Stephanie, come over to WFG. We’re adults here and we treat each other with respect.

[@hntbrady905]

Arthur Mace WFG is also a scam

[@unicorntoys5302]

Why you so defensive lmao , calling other people a bum hahaha send me your number let’s see if you really about that life I bet you that your just posing for the internet.

[@karennyeley1063]

So....its now 2024...do you still believe php agency is a great company to work for?

[@sychophantt]

All the reviews I see say recruiting is a big part of the job :o(

[@JustRocx]

Cause it is.

[@sychophantt]

@@JustRocx they never talk about the products they sell, its all about recruiting so it's MLM

[@Rodrigo-tk2fm]

It is

[@stevenfelix1661]

Most of their trainings are about product and services and not necessarily emphasizing on recruiting

[@Tinkleinyourmouf]

It is I got in made some decent money but when the end of the year hit our office had maybe 50 people a day being recruited and I never saw them again and they were taken out of the group chats and message boards, at the end of each year they " recruit " people to hit some goal the higher ups never seemed to tell me anything about I actually used my license to sell basic life insurance policies to make me extra money

[@tayylornicolee]

It's funny because I was contacting someone who's a "broker" with PHP and she stopped replying so quickly when I was asking about actually helping people and the insurance aspect of the "business". I joined an MLM one time and ONE TIME ONLY. I can't stand when a business blind sides people for a pyramid scheme and the concept of the business is never the actual goal.

[@Gruesome_]

This thing is a scam, A member of PHP came up to me and said if I was interested in a Company that involves investors , and she at First told me the company name as “Taz Agency “ and later we set a schedule to meet so she could go over what the company does. When we met up she said PHP(People Help People) , in my head I was thinking that it was “Taz Agency “ but she pulled out how the Company worked in a peace of paper and it showed that they only focus on getting people to join PHP so the person inviting them gets more money , and I asked her if I can take a picture of it and she said no and I ended the meeting . A whole scam

[@Gruesome_]

Dwayne Burns can you send me a image of how earning money works there , on how much you earn from sales or any sort?

[@danielyoung1074]

@@Gruesome_ Are you in or near Houston, TX by any chance? I know of the 2 sisters that run "Taz Agency" within PHP Agency. PHP Agency isn't a scam but it is heavy on recruiting with very little sales training.

[@Gruesome_]

@@danielyoung1074 yes

[@johngerring2505]

The most successful sales organizations in the world today use this business model. It solves the problem businesses have when hiring sales people, since they incur costs for minimum wage, health insurance, retirement programs, etc. and only get value from that if the sales people actually produce, which they often do not. An individual willing to be paid only for results and assume the costs of marketing to the specific client is worth a lot to any business with a product to sell. Individuals filter a small portion of their commissions upward to incentivize the person who trains and recruits them to do so. Everyone makes everyone else rich. There’s nothing to complain about for those willing to work. That is why major industries such as real estate, insurance, pest control, and security systems have all adopted this business model for their sales forces. The complaints people typically have are simply problems associated with any entrepreneurial endeavor, as these people are 1099 self-employed people. If you have an issue with that, what you need isn’t to cry “scam” in a KZbin comments section to people who are just trying to build their brands, what you need is an hourly job to help you feed your need for security and pay bills until you die.

[@micaiahmoore4191]

❤❤❤❤😂😂😂

[@marcosfhpkg]

These people are even worse than ARMY Recruiters. At least they give you a Camaro

[@KC-cv7vf]

HA! PHP Agency reminds me of the time my friends sold those cutco knives. Exact same model. What a fraud, he is in no way an entrepreneur nor a business man as he so proudly says 30x's an interview.

[@michellematamoros3214]

PHP does not have actual sales training. They only show you a video of Patrick Bet David. They have a high turn over rate because of that. The meetings are just one big hype fest.

[@gerardlife]

Im glad people are finally catching up to this scheme, bunch off delusional people thinking they are entrepreneurs and business owners just cause they sell life insurance, truly sad how they prey on lower class people too

[@michellematamoros3214]

Dwayne Burns Hi Dwayne. That’s true. You do have to be licensed to sell life insurance but the point I’m trying to make in this comment is the “trainers “ don’t provide effective foundational sales fundamentals. Bothering some cashier at the mall, asking them if they are looking for other opportunities is not effective. It is awkward. These “ trainers’ ” focus is building a large team not really showing people on how to actually sell life insurance.

[@michellematamoros3214]

Dwayne Burns No, I don’t think it is scam. I think it is not for the average joe. It is for people who already have own business or got in early. PHP is a big investment. PHP is misleading because they promote to the average joe, that they can make millions and it is not true.

[@michellematamoros3214]

Dwayne Burns LoL ok 👍🏻

[@emzvainuku4882]

@@gerardlife Intrapreneurs

[@zombied479]

Endless hours, endless days, grinding day and night.... for 9 days??? Come on guys. A little more thinking and reviewing what you say and a little less parking your cars in the street and setting up your shot.

[@BleachBlonde-java]

Where is the update

[@joearispe337]

The problem is why do you have to recruit who requires you to recruit other than pyramid schemes The only way to promote is through recruiting?

[@goldwerewolf8651]

You got a point bro but a pyramid scheme involves you getting money without pushing a product so no PHP doesn't pay you for recruiting and also if your new you can pass the people that recruited you if you put in the work so that's what makes it not a pyramid scheme

[@Danjjeer]

The answer to your title, yes absolutely

[@lesleehernandez5609]

how so

[@Danjjeer]

@@lesleehernandez5609 this is a really good video. Please watch. I've experienced this personally before. kzbin.info/www/bejne/hJ7LoWqHp8mlbbs

[@lesleehernandez5609]

@@Danjjeer thank you for that video. i just signed up im a bit skeptic now

[@Danjjeer]

@@lesleehernandez5609 I know it can sting when you find this out. It did for me... but go to school and get an education in the medical or engineering field. You will never have to worry about paying a bill or finding a job. Good luck.

[@lesleehernandez5609]

@@Danjjeer Thank you I will try to reach out to get a full refund and am thinking about joining the army for the discipline and structure thank you goodluck to you as well🙏🏼

[@lamarjay4245]

"This is different because it not like a normal pyramid scheme"..he wanted to say!!!!!!!!

[@YouTubeAddict1985]

What’s with the 2 gangster props sitting on there cars??

[@KXLXI]

They chose the windiest day to do this. Stopped watching after they started talking about whatever the heck they were talking about

[@bigb488]

😂😂

[@keebmarketing]

You can test and acquire a certificate/license from your state to sell life insurance...you do not need to join a group to do that. I'm doing that right now. Furthermore, the compensation plan associated with operating with these insurance companies already give you the opportunity to build your own sales agency. No chasing people who showed interest, just talk to them once and send over information...that's it. Mlm and network marketing money and business structure began and the heels of the self help movement and sales business structure. They may be adding more of a touch and hold mlm approach to keep those interested compared to the already existing I give you the info, pass the test and get to work at your own pace. Lol, mlm NW is sales...this appears to put flair and retail on the already working world of people selling LI

[@Islandlyfe23]

What is your base shop? Are you going to big event!!!!!?????

[@Yo-oq9gg]

LOL if you gotta try really hard to get people to join then be aware. Tread lightly.

[@ivanruiz6976]

been on the study for about one month now. taking the test next week. NOT A SCAM

[@markanthonyalamillojr.2586]

ivan ruiz hey man let’s connect.

[@602damacioboy8]

Was it legit did you passed?

[@bigb488]

@Erik Gonzalez 😂😂

[@InspireMe819]

You trust Oscar De Hoya? He is the most hated in the boxing industry. There is a reason why boxers that was under him shifted away from him. Oscar is a snake.

[@newcovenantbeats]

Look at my cars dude were rich

[@yaqoubalshatti205]

This a decent attempt at passing off as legitimate. These guys use some oldass tricks though, trying to trigger people's insecurities and wishfulness while pretending to know some abstract secret to getting rich quick that we don't know. Also, this guy Dwayne Burns, Mr. Solar company with 40 twitter followers as of now, seems to be really butthurt by people questioning his sales pitch of a video.

[@Xalashaska]

lmao the moment i knew this was all bullshit was when Vin Diesel contradicted their statement of “moving up after only 9 days” by saying it took him so much work, countless hours, countless days lmaooo “we don’t want someone who’s going to criticize or see where the scam is” y’all shoulda had a script at least instead of contradicting each other

[@Xalashaska]

Dwayne Burns bruh ain’t you got some insurance to sell lmao you got a lot of time to reply to people and do debates. i ain’t gotta debate shit cuz i have no interest, but i was wondering what lead my childhood friend to be so fiendishly trying to recruit people. i mean if you make your money selling insurance, and don’t make commission off people like you said in other comments, what’s the need for getting as many people involved as you can? doesn’t make sense from a competitive stand point. why limit the amount of people you can sell insurance to by increasing the amount of people selling it.

[@Xalashaska]

Dwayne Burns uh huh so it all about recruiting then lol just say that man, you sell insurance sure, but y’all main goal is to get so many people working under you that you don’t have to do shit to get money. i just thought it was funny my buddy messaged me that he was a with php and instead of asking if i was interested in insurance he wanted me to work for php. and he be in everyone’s comments talking about “i have a great business venture to offer you” lol but okay bro that makes sense, y’all keep up the finesse. it might not be a scam in the traditional sense but y’all sure are legally duping people lol

[@diehardpatriot3]

Vin diesel I’m crying

[@willyz5405]

Vin diesel is a great actor . Apparently this guys a fake . Yeah it’s a scam lol

[@deandavidson2823]

any new job that requires you to pay money to the company to do your job; run for the hills. If you want to actually do life insurance sales, then start your own company and actually take on the financial risk of starting up a business. MLM is an absolute joke and preys on those who can be persuaded easily

[@jdmejia1985]

Scam artists! Snakes in the grass

[@forgetmenot2029]

Primerica Vs PHP? I need some insights pls

[@Cjblamen]

Let’s chat are you on Facebook?

[@forgetmenot2029]

Cjblamen Yes

[@TheWholeDamnShow007]

Neither. Look up WFG.

[@Cjblamen]

Forgetmenot same handle as KZbin ?

[@TheWholeDamnShow007]

PHP is a rip off from WFG.

[@phisiks]

If you have to convince people that it’s not a scam. It’s a scam! 🤣

[@jothanvirgil3035]

Don’t care about the business opportunity. Is the product actually legit? Would you actually let a PHP agency work with you to roll an Annuity over? That’s what I want to know.

[@hayeshunt14]

Lol how many people did you have to recruit before you were even able to sell or get information on selling the life insurance? 💩

[@Rodrigo-tk2fm]

If you gotta explain you're not a scam, you probably a scam.

[@ryancalderon6493]

… all I wanna know is the role of the dudes in the back 🤣

[@ernesto1149]

I consider myself an entrepreneur I like stocks, dividends , tax oportunities , real state and business and to be honest I did tried this PHP thing and to be honest I didn’t like it ,the way they were teaching me on how to sell insurances, They teach me to lie people to grab their attention. I didn’t like that. I even got my license for this ,when they realized that they were loosing me they even tried to sell me an insurance for 300 DLS a month , he’ll no

[@vadertime9880]

Dewayne, you seem like a cool dude. I'm from Primerica and it seems like these haters don't want you to succeed. Keep doing you, my boy.

[@TheWholeDamnShow007]

Sergio Aguirre bruh the government is a scam in case you haven’t notice.

[@natalieortiz9799]

I signed up today, let's see how it goes

[@charliebarkin3615]

How did it go

[@abby7550]

OH noooo!

[@kendriateague4817]

How’s it going, please share

[@afrakory]

Noooooo

[@alwaysmichelle]

Yea the lexus behind y’all indeed told me it’s a scam

[@magalirenee2178]

@@DBthaprophet serious finance or law professionals don't sit on cars. Not everyone is "broke" or idolizes a materialistic lifestyle. And if you make your money out of manipulatively persuading uneducated "recruits," there is not so much to be proud of imo. Also, 37k for a car is relatively average. Professionals don't use language like "y'all are broke" or "legit" lol

[@magalirenee2178]

@@DBthaprophet you have no clue what I drive. Besides, one of my own "friends" just manipulated me into one of these zoom calls when I thought he was calling me to support me emotionally my uncle was dying in a hospital so he used my distress and our "friendship" to "educate me" at 11 pm about "life insurance" and how much money I could make when I had told him clearly I was not interested in a side gig. I know exactly what I am talking about.

[@magalirenee2178]

@@DBthaprophet I was not describing a 37k car as "materialistic" -but as "AVERAGE." You can't even read the comment. I am saying not everyone is materialistic like you "money money money!" they just make it and shut up. I don't see any Porsche in the video lol come on!! 37K IS AVERAGE FOR A CAR

[@magalirenee2178]

@@DBthaprophet I never said you were a law professional, it was an EXAMPLE. Your comment is the dumbest, not mine.

[@magalirenee2178]

@@DBthaprophet I have a graduate degree in education. Some people are probably more stupid than me. I also grew up in another country and English is my second language. I am trilingual. The day you will be multilingual we'll talk. No one had ever called me stupid before. Do your have a gardener, 2 cooks, a nanny and a housekeeper? Do you drive a Ferrari? Are you so rich? Who do you think you are

[@Philosoraptus]

@7:36 We look for ways to leverage other peoples efforts.....what more needs to be said /_\

[@vllsrg]

This whole set-up & delivery of the sales pitch in this video sounds so shady.

[@kyle4391]

This is so sad lmaoooo. Smh

[@josephthecreator]

I love what PHP stands for. Awesome culture with a phenomenal CEO. I pray you crush it bro, which you do with everything!

[@xducy]

Power Capital Solutions 🤔Brainwashed

[@Lavowknows]

@@xducy you are brainwashed buddy... you thrive on 9-5

[@StandUPguy4Christ]

PHP Agency is one of THE BEST COMPANIES THAT YOU CAN BE A PART OF!! It’s the fastest growing Financial Services Company in the WORLD! Thanks for sharing this with the world

[@HazardonerFTR]

What are your sources for that information we’re can I look that up? Wall Street Journal or the New York Times I have not heard any of these credible resources even mention PHP let me guess your up line told you

[@xducy]

StandUPguy4Christ Oof your brainwashed 😂🤭

[@TheWholeDamnShow007]

Sal Barajas she or he is probably 18 years old fresh out of hs. Leave them alone.

[@TheWholeDamnShow007]

Sal Barajas Patrick is the same way! I talks big numbers but we’re are the facts?! I wanna see numbers!!

[@Adreancali]

Explain what whole life is

[@jbarry1187]

This is a scam. How ever you swing it need followers ugh...

[@wildjaytv4932]

This is a C- speech my dude.

[@wildjaytv4932]

@@DBthaprophet couldn't get past 1 minute 😴😴

[@wildjaytv4932]

Lmao so are you 🤣😂 and the reason I looked php is because a family member has been scamming people for years and I just went to BBB to check on the complaints and DAMN BOI!! Not surprised everyone said they got scammed so I just came to see what youtube said about php 🤷‍♂️

[@titonothere6179]

Bro I love your hustle but why did you choose them over other establishments like WFG? I’ve seen both sides and one has legit carries and the other one has carries nobody has ever heard of before. I’m interested in hearing what made you decide in joining PHP instead of WFG or even primerica?

[@titonothere6179]

Dwayne Burns that’s cool! In business it’s all about relationships. I didn’t mean to come off like that but it seems like most ppl who are not familiar with the insurance industry or even finances jump on what looks good at the moment without looking at the products and carries they’ll be representing. I’ve seen the WFG platform and they carry all the companies PHP carriers + much more. National life group is on the WFG platform however how often do the agents use NL group? Rarely bc WFG has bigger carries ( house hold names ) like Nationwide, TransAmerica, Prudential and Pacific life on their platform. Im just saying It’s easier to fool then convince ppl! That’s what I learned at my time in the php Bakersfields office when I was there.

[@titonothere6179]

Dwayne Burns Dwayne Burns AIG and John Handcock are one of the few notable companies at php however that doesn’t mean they offer the best life insurance products. AIG often gets used for clients who can’t qualify with the bigger companies due to health reasons & john handcock are known for their pension plans not so much life insurance. Obviously I can’t show you the numbers on here but I can share with you my story. When I joined PHP, I was putting away $1200 a month into the NLG policy lil did I know it wasn’t for cash accumulation, it was attached to a handful of riders THAT I never asked for nor did the agent mention. I had no idea what I was paying for until my quarterly statement came in and I hit up NLG’s hotline and they broke down what I had let’s just say it wasn’t what I asked for and this agent was suppose to be some top leader of the company. If the top leaders are doing biz this way I’m sure the rest of the agents are doing the same.. keep your eyes open there and if things don’t work out check out WFG’s platform. Just my two cents.

[@dagnurse6920]

It is a pyramid format..... the difference is, PHP has a product it is not just letting money changing hands like the pyramid....

[@dagnurse6920]

@@DBthaprophet I am agreeing with you. I have done my research. I just joined the PHP family on Monday, 9/14/2020, and I see good things happening there. I only meant that a "pyramid scheme" is only a scheme because they do not have a product to sell or offer, and that makes it illegal. PHP has a product to sell and offer "insurance," so that makes it a legal. Now you can agree, the only way you can be successful in this industry is by how many people you can bring under you so that you can move up. Does that not take the shape of a pyramid? You can agree on that, but we have a product to offer in that pyramid and that is insurance, which is legal. I hope to see you at the top somewhere soon. I am under Sheena, Wayne, Vivian then myself in my PHP latter.

[@joesandoval1139]

These trolls are hilarious I just joined can’t wait to make fA let’s GO!

[@Texaslivinn97]

LMFAO at this clickbait!! PHP is definitely a scam!! Let's see you have to join and get other people to sign up🤔

[@Sienna80]

Dwayne Burns Gotta love the trolls! #haterseillalwayshate

[@ally462]

@Dwayne Burns you don't have too but as a broker you get a percentage of the income of your "team". You become a broker and get people to do the sales for you and so on and so on. therefore, a pyramid.

[@rafizxDx]

@@ally462 In that case all businesses are a scam. You sell burgers and the manager of the store makes a salary of what you sell. You work at a manufacturing company and the manager makes a salary off the parts YOU build. In any business someone else makes off money out of what you produce or sell. Using your logic all businesses are a scam.

[@Texaslivinn97]

@@DBthaprophet lol how arrogant

[@reapmorenetwork1376]

Dwayne, I like your style. I'm interested in reentering the business. I was with Primerica about 5 years ago. I heard you mention "state of California." I live in the state of New York. I'm well "connected having my own podcast and serving as co-host on a 3 hour live radio broadcast heard weekly on WPAT 930 AM- a station with a powerful signal reaching 30 million homes in NY, NJ, and Conn.

[@delleichwright5735]

Hi I just started, I am interested if you got back in? And how is it going?

[@jesusduenas1544]

Sad

[@luminate2272]

Scam

[@ericgreen9087]

Do you guys sell auto insurance or just life insurance?

[@donaldowens9405]

Man I love your video I’m joining the PHP family in the Next couple weeks

[@ebk6888]

how do you like it so far?

[@Lavowknows]

@@ebk6888 in been in it 8 months an love it. Great environment and the mentorship is amazing

[@melihermo]

Scam..scam..scam...

[@TRUMY7]

What's hilarious is @Dwayne Burns YT videos from 3 years ago are about building MLM business. Still like 8 views. The "Is this a SCAM" video is your most successful thus far with 6.7k views and counting... trying do more like this title!

[@TRUMY7]

@@DBthaprophet You're welcome! You definitely need it. What's the name of your solar company?

[@TRUMY7]

@@DBthaprophet You always come on this strong with men you've never met? BTW, the only way to see the dungeon is if you're in it.

[@TRUMY7]

@@DBthaprophet pewpewpew Glock or Sig?

[@westcoasthustle6133]

Horrible audio

[@daughterofzion9642]

Please look at your pimp bosses every day under the same scrutiny...yes the one that tells you when you can go to lunch, take a break, see your children for special days, under pays you, and will replace you in a millisecond. All this over a $199 investment and you get most it back when you get your training material at discounted rate. PHP AGENCY IS AN AMAZING COMPANY. If you are lazy, negative, think everything is a scam, and a follower it’s definitely not for you...keep your job.

[@Adreancali]

Scam!

[@Adreancali]

Dwayne Burns you a scammer

[@Adreancali]

Dwayne Burns don’t use your friends car so you can look rich. We know you get no clients

[@Adreancali]

Dwayne Burns yeah FaceTime me I wanna see, if it’s true I’ll join!

[@Adreancali]

Dwayne Burns FaceTime me show your proof

[@unicorntoys5302]

He won’t FaceTime you hahah flexing a cheap ranger rover and a $50,000 Tesla I bet 🤣🤣🤣

[@willyz5405]

I guess we are suppose to follow Oscar de la Hoya investment tactics lmfao . Okay let me go do that 🤣

[@willyz5405]

Dwayne Burns your a materialist snake 🐍 I’m sure you’ll d anything for money lol I got wisdom kid . I don’t need money and your riches and fake promises hahah . Plus I got the Lord on my side . What do you got besides just passions and illusions 💯 I rest my case . You’ll never be happy sorry to tell you that . Keep chasing the your dream tho I hope you make it .

[@willyz5405]

Dwayne Burns we all got roofs on our head and we all eat pretty good out here . The funny thing is we from Mexico living here in California and we living like content . You and money . Keep chasing that paper . You’ll never get full . Hurry up and go eat mr money .

[@cesarromo987]

@@DBthaprophet why do you assume how everyone’s lifestyle is? And why do you assume what people do for a living? You’re just bootytickled cuz everyone is calling you out on your shit SCAM

[@leonardsteve5672]

Great Job Guys I'm an agent here in Dallas Tx love the content

[@vadertime9880]

Why is all of the people in here with negative views are fucking broke? Like damn!!!

[@ludielizsilaya7207]

The guy on left (without glasses) is an exceptional speaker and has strong interpersonal skill.

[@kendriateague4817]

The black guy is an exceptional speaker and has strong interpersonal skills.

[@Alex-vk7qg]

FMO: The Middle Man

[@daughterofzion9642]

One of the best decision I made was join PHP Agency. I am a licensed professional under the state regulations.. for people to call it a pyramid scheme is absolutely ridiculous. The carriers we work with do not work with scammers. They have been around for 100s of years.

[@legacywithoutlimits]

This was awesome! Thank you for sharing. God bless.

[@josevilla3709]

Lmao

[@xavierarambula315]

FFL is better