Is PHP Agency Legit? | @MoneySmartGuy | PHP Agency Executives

Contact: Matt Sapaula [e-mail] 708.320.8440
Is PHP Agency Legit? Quitting your job to go into business? How do you get investors?
Billionaires. So cool to get their attention. Even better when they want to become an investor and strategic partner in your idea.
Meet the CEO/Founder, President and CFO of PHP Agency. In this interview, they share their story of starting from ZERO, recruiting an executive staff and building a company that attracts mission-oriented people.
Tom Ellsworth, who has sold 3 different companies for over $1.1B reveals the 3 things that investors look for in a business. He also goes over the due diligence process before someone is willing to cut an 8-figure check.
Plus, Ian Benedict who is a CPA (Certified Public Account) and CFO of PHP Agency shares his attraction to PHP Agency past the spreadsheets and the bottom line.
Patrick Bet-David, CEO/Founder of PHP Agency, reveals why someone should consider the life insurance industry and how distribution trumps individual sales. Then he discusses positioning yourself as an entrepreneur to win big.
Lastly, why PHP Agency is attracting so many sincere, genuine people to build the fastest growing financial marketing organization in the USA and Puerto Rico.
Please drop your comments and thoughts below...SHARE and SUBSCRIBE!
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Matt Sapaula, is a former United States Marine turned veteran entrepreneur.
Matt helps those in transition of a new career and occupation to become an entrepreneur while acquiring the confidence, mindset and skills to win the money game.
Share in his journey to gain financial control over daily money matters and live your desired lifestyle.
Find Matt Sapaula here too:
www.moneysmartg... / moneysmartguy
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MATT SAPAULA KZbin CHANNEL DISCLAIMER: Matt Sapaula is not a registered investment advisor for the offering or sale of securities nor to provide investment advice. Matt only deals in securities subject to an exemption from registration and will only provide investment services to accredited investors as defined by the Illinois Securities Act of 1953. Checkout our new merch NOW at 7figuresquad.com

[@ProTeam1]

My wife Nori and I used to be a part of the restaurant/hospitality. Transitioned into this industry and company never looked back. PHP has the most level playing field in the industry! No politics just capitalism! We are disrupting the life insurance industry. Proud to wear the Jersey.... thank you Matt and Sheena for your example!!

[@isaacdeanda3364]

Is this a neutral review? NO!!! Here's the CEO of said company!!!!

[@bukkyadesanya3403]

I’ve seen people ask this question all the time. And for people that know me directly and know my family will understand that I would never be involved or affiliated with an orginazarion that is illigitamate. But for those who don’t know me, you have got to be willing to really hear what these crusaders in the business are doing before you come to your own conclusion.

[@chrisrodriguez5068]

I was workin my job at the grocery store and two guys approached me, one wearing a suit and one wearing suit pants and a PHP polo. They told me they had a business opportunity for me and asked to exchange numbers. I instantly knew it was a scam ( what legit business goes out looking for recruits while they are on the job). Scammers looking for desperate low income people. Easy prey. I gave them my number to see where it went and now they don’t stop calling and texting me. I asked them to give me an idea of what this was all about, but all the guy had to tell me was they would like to be “business partners”. Hahaha very sketchy

[@veronicacruz5091]

@@NaNa-kj2gw second hand life insurance? Let's take a closer look at that. Americo A rated, National Life Group 170 years old A rated, American National A+ rated and top insurance companies across the globe in 2017. Those are some of the carriers our licensed agents represent. Know your facts before you talk shit. Not to mention that our Agency is the most sought after FMO in the industry so it's expected that others would troll us. We're flattered and we thank you because it doesn't hurt us, it motivates us to help more families and get more people into the industry.

[@lifeandlibertycrew1906]

Chris how does any company in Life Insurance find clients? Your comment tells me you are totally ignorant about how business is done, let alone anything about the financial industry. Thanks for letting us know you don't know anything about business.

[@patrickcarson153]

I have a background in supervision and electrical engineering, let me tell time was one thing that I did not have control of and I was constantly on call. Years later I was introduced to the industry from a good friend on mine. I immediately thought this was something that could get me out of the rat race of working shift work and being on call. I realized then how tremendous opportunity that me as a minorty can put my family in a great financial position. That's is when I realized that this thing is real!

[@antoniasaucedo4789]

PHP dosent tell you that a client cancels the policy YOU have to pat it back? What kind of sh*t is that???

[@LeonMortgage]

That's standard in the insurance industry. Even in Canada. Good to know before you get into the business for sure.

[@dianayate03]

Before going to PHP I did research on the industry and this was something I found out it was true within the industry not just with PHP. I almost went with a different company but I'm glad I chose PHP. I can understand that the insurance companies do this to protect themselves from people selling bogus policies knowing 2-3 months later they will cancel and the agent made so much money. Tip: be an honest seller, put your customer needs over your commission and evey one will win.

[@MarcoScrews]

dianayate03 I’m thinking of joining PHP any advice?

[@dianayate03]

@@MarcoScrews this is a business opportunity not a job. You will get paid according to your effort. I think you should at least give it a shot!

[@MarcoScrews]

dianayate03 I think I’m going to become an agent today. How is the business treating you today?

[@saragaver2533]

I started with PHP in 2017. I come from a healthcare background. I am a college graduate that is not even utilizing my degree. I am known for being Ms Wheelchair Florida and having a TED talk. When I was introduced to PHP I saw the vision. You see the only way for me to live my life to the fullest is by giving myself the opportunity to create uncapped income. There are more trials and tribulations that I face on a daily basis with my disability than most people think. PHP is proving me a platform for my brand Wheellifeconnections. I want to be that role model for all kids with disabilities that’s real and genuine. In today’s world there’s not really anyone that they can relate to. PHP gives me that opportunity and so much more.

[@dianayate03]

Wow amazing story

[@HailMaryFullofGrace-tt4du]

I don't get why people in MLMs, focus so much on recruiting, rather than showcasing thier products/Services? I got approached twice about joining primerica and then PHP. I've seen social media of PHP agents posting goals about how many recruits they should have each month. I just want to know why there is so much emphasis. If MLMs, like PHP and primerica say they are not pyramid type of business, then why is recruiting so important,? if recruiting is part of the incentives (bonuses) that MLMs give thier agents, then it would explain their motivation to get other people to join.

[@miguelcaminero476]

This is the reality of the opportunity offer in PHP Agency, Not coming from the life insurance industry and have the opportunity to equipped myself with the right skills and leadership is been an amazing experience. Now, as a Broker in the company and Next Co-ower of the fastest financial services in America. Coming from Direct-sales, but never see myself there in the next 10 yrs, got introduce 4 months in to company. If there a place where you looking for personal growth and vision to help families that were left behind here is PHP Agency bringing life to the life insurance industry again. @Matt Sapaula

[@veronicacruz5091]

I have been with PHP Agency for 4 years. Prior to PHP I was in management working 70 hours a week and hating it. I wanted something more and even with two degrees, wasn't finding anything close to what I expected to make with experience. I was introduced to PHP in 2014 and with an entire investment of about $500, including licenses and CEs, I was able to start my transition into the industry. Anyone who says PHP is this or that speaks out of pure ignorance. Anyone who asks why their friend or family member has to pay to work here clearly doesn't know what it means to be an independent contractor. Last I checked, I had to pay to work at my job for 13 years and that's called a college education. I am now licensed in 10 states and run a nationwide business. I am one of 9 and the first 7 in helping secure over $1M in retirement wealth for our retirees. My clients are protected and I'm proud to be part of PHP and their mission. Thank you PHP for this opportunity! Now it's time for my piece of equity.

[@tsarpeteri8578]

Veronica Garcia you are doing a pyramid scheme

[@yazminedominguez5307]

I was 19 working 3 jobs trying to pay for school and still living paycheck to paycheck because I thought higher education meant higher pay, I was WRONG! PHP has taught me how to run a business and be able to help myself and be able to help others dictate what their worth is, Because so many people live paycheck to paycheck and have no help or no one to turn too when it comes to financial struggles. PHP is the light to the dark of the money issues many families have! Helping people and making money along the way!

[@latrevadavis4251]

All the people screaming "scam" are comfortable working for a company they'll never Own. Those are workers not Leaders.

[@Maverik772]

Are you saying you have ambitions of owning PHP in the future?

[@narutovskiba88]

u are ?

[@PrimalMoodz]

You don't own any fraction of PHP. Only the illusion that you do. Prove me otherwise please.

[@tashafarrow6657]

PHP is offering a reflection of what you too can own!

[@Manofmen_]

I originally came into the office with a negative mindset and a closed mind; however, after sitting down with Matt for a short period of time I learned that we resonate on more levels than usual. We were both Marine Veterans and have experienced the life of being a single father. Matt was able to get me to understand the importance of financial literacy and within an hour I was able to see the vision that PHP had and was granting to every single person that decided to be a part of the business. With the platform, Matt is able to give Veterans the opportunity that very few realize they have. Partnering with PHP has changed my life and created the catalyst that will change my families life forever.

[@XrisoFcourse]

I like your face

[@jessicalasanta9492]

THANK YOU PHP AND THANK YOU MATT SAPAULA FOR THIS OPPORTUNITY!!!!

[@christophercovington4645]

Been with PHP month made 5k if you treat this business like a hobby you’ll get paid like it simple as that stop looking for the easy way out and work recruit and sell policy but most important get licensed

[@MarcoScrews]

Christopher Covington are you still with PHP thinking about joining

[@davidmata6964]

@@MarcoScrews did you already get help

[@erikmartinez8037]

5k selling Whole life or IUL?? What a prick know exactly what exactly you sell to middle class families

[@denajahthomas7407]

Can I do full time ?

[@katianacarre]

I graduated with my Masters in Finance and learned all about stock options, the equity market, bonds, corporate finance valuations and more but NOTHING ABOUT INSURANCE let alone entrepreneurship. PHP introduced me the most powerful industry in the Financial systems, taught me leadership skills and basically saved me 60k in getting an MBA . I learned so about business, and Financial Literacy which will allow me to empower my community!

[@multimeter2859]

Nah I'll stick with my index fund.

[@southsidechicago3394]

why not just start your own business?

[@kyronlee8927]

I’m in Primerica but I also respect PHP. I just love seeing people go after their dreams and also help others do the same. It always baffles me how so many ppl are quick to call something a scam. Never actually got personal experience and typically hating their current career. Regulated by SEC, FTC, FINRA, etc. If it was a scam, they would have been shut them down. When faced with two paths, if you go left people on the right call you crazy. If you go right, ppl on the left call you crazy. If you stay in the middle, both sides call you lazy and indecisive. If the lazy, broke and cynical is on the left, go right and let them call you crazy.

[@majorlycunningham5439]

Kyron - hey look, a respectful comment from a competitor! Primerica also has a good mission, we just differ on our approach and products.

[@chelseamackey8481]

Before I became a full time agent with PHP, I had been a hospital manager for 7 years. Never in my life did I imagine that I would find an agency that truly cares about their agents and the clients we help as much as PHP does. PHP has allowed me to help people in a different capacity and I couldn't be more grateful for the opportunity it has presented me with. Our society is very reactive instead of being proactive! We are taught to REACT to unforeseen situations and tragedies when it is too late. We help people to plan and prepare so they're not left in dire straits, and I can personally say that my work could not be more rewarding!

[@idrissjoseph1502]

Money Smart Guy Thank you for the video. The credibility of this company cannot be questioned the partnerships and track record of who PHP works with who PHP is partnered with is clearly shown in this video the transparency of the leadership and partners in this video speaks for itself. This video is an anamoly within itself i cant name another company who has a video clearly defining its legitimacy in such a transparent way with partners open to share!!

[@renecharles1877]

I’m René Charles Maurice, retired underachiever. Born and raised in little Haiti miami. Come from an immigrant Haitian family. A family of Haitian merchants and artisans.No one in family made over 30k a year. PHP agency found me, and allowed to liberate myself and the other dreamers like myself. I wholeheartedly believe the number one cause of poverty is limiting thinking. PHP gave me the opportunity to align myself with eagles, personally develop in a competitive ecosystem where I can become the leader and example for my community. PHP is legit period, it’s not about politics it’s strictly about leadership and performance. We aren’t in the business of seeking validation, we are crusaders. Saving America by doing the impossible, bringing hope and free enterprise back to the American household!

[@biancarist8237]

I have a background in medical sales and I decided to leave that industry because I didn’t control my time, my schedule, my income or my job security. Fast forward time.. with the system of PHP, the mentorship and an incredible team of people who think bigger and have higher standards I was able to transition to a business owner with an office and equity in the firm. I’m a mom and woman in business and I’ve now found something I’m passionate about and able to help thousands of people across the nation.

[@whatsgewdbruh]

I believe PHP is legit due to the fact I came from an insurance agency before I came to PHP. I saw how families needed to know about insurance instead of starting a go fund me account for funerals they couldn’t afford. PHP provides educational financial services for families who don’t know anything about finances. #MoneySmartGuy

[@ConradPowellREALTOR]

Love this! The bigger the vision, the more help you need!

[@ricardocervantes1391]

Hi Matt. I love the fact that even thought there are many other videos about PHP being fake, I am glad you are bringing the truth. That's one of the reasons why I decided to come on to PHP. Because coming from Bank of America as a Small Business Banker for 12yrs, I finally have a tool, with PHP, to share with all of my family, friends and clients, so that they may now have an option to, not only create wealth, but to help their kids future financially

[@BaritoneMonkey]

Matt, I came to your video because I have a friend who is super bought-into PHP. I'll admit to having a bias against MLMs, but I'm excited for him to grow so I came here hoping to see that I was wrong about PHP. But gauging what I'm reading here in the comment section, I don't know that I am wrong, in the end -- check out my response in the thread on M95's comment (the guy who wants his $150 refund). As a representative of PHP's brand and culture, what do you have to say about that? I'm still open to changing my mind, and honestly I'd love to be proven wrong. Different perspectives are a real and valuable thing -- I just want to see that PHP's is one I can respect.

[@kalabetadesse1030]

I’m an Agent partnered with PHP in the #1 office in Oak Brook and I couldn’t be more satisfied. My girlfriend and I got into this business because we see the vision and the opportunity. What company do you know is offering OWNERSHIP? What Millionaire personally mentors you and shows you how to get to where they are FASTER THAN THEY DID? Beyond grateful to have @Matt Sapaula as that mentor. The leadership and opportunity for growth is endless in this business. If you’re second guessing that, you’re already at a disadvantage.

[@melissagomez1772]

PHP has literally been a life changing experience in the utmost positive way! Several successful entrepreneurs have been interviewed by our CEO, Patrick Bet-David creator and host of the number #1 ☝🏼KZbin channel for entrepreneurs worldwide, Valuetainment! Guest speakers I such as Magic Johnson, Grant Cardone, and Mark Cuban have been interviewed and attended our annual conventions. I have an MPH from Texas A&M University and I left a six figure income to do this business. The value and opportunity that PHP offers is out of this world 🌎!’ Happiest I’ve ever been in my entire life! I’m more humble, patient, I’m a better daughter, sister, and friend. It’s life changing!!! 💕💕💕💕

[@gabrielabrown2620]

Is legit!!! For those people that say pyramid scheme, let me ask you; do you know the true meaning of a pyramid scheme? Based on the comments, none of you know what a pyramid scheme is. Research before you post. Life insurance is not a scheme, either. You can make money by yourself or with a team..please learn what a pyramid scheme is before you comment. Matt keep doing what you are doing!!!

[@antoniasaucedo4789]

Next time when you do it PHP video make sure all the truth is up there up front and foremost. So far all the videos I have seen a PHP only talk about how much money than making and not about the damn product come on now

[@antoniasaucedo4789]

Matt Sapaula .... Have a family member that is in it right now and I am the type to sit back and observe before I put in... guess what?! so far nothing!! the only thing that was good about her being in it was a motivational pep talks and these so-called presentations but yet a third of the people that work there are not even making that much money them selves. I'm in it to make money! Not to LOSE any $ and I mean lose any PERIOD. That means no monthly fees and I'm not paying anything back if somebody cancel their policy. And yes there are companies out here that don't require you to pay back if somebody cancels their policy.

[@antoniasaucedo4789]

Lisa Surlie just give it a shot and see what will happen if it goes downhill from there then I guess I was right and if it goes uphill from there then good it's better to tell people up front and let them make the decision to continue or not

[@carmenpatino6171]

Exactly! Or believing a company (PHP) is an "industry." lol I know someone PERSONALLY who "works" for this agency *NOT INDUSTRY*, who preys on 1) the uneducated and 2) the poor. Ugh! When will people learn not to fall for this kind of scheme?

[@heysivillanueva6635]

Matt Sapaula can't talk about products because he is not licensed. Yes very strange.

[@queenria]

Antonia Saucedo that is exactly what we tell people. Try it and see. I am a single mom who is educated and I have not had a 9-5 in 2 years. I guess me covering my best friend with life insurance and when she was murdered the company paid her family 100k is a scam smh. You all are so bitter.

[@bobbyflores220]

there are like 8K distributors, like 50 of them make it to these " annual conferences" whats with the rest of the Team??

[@perk_nowinski516]

I mean it’s just like real estate you can’t eat if u can’t make your own that’s the pure essence of entrepreneurship if that’s a scam then every buisness is a scam

[@chris90464]

Incredible people, compensation, culture, leadership , and opportunity anyone can ever ask for!!! Thank You PHP Agency 👊🏽🔥💥

[@andreachairse2274]

If you have just viewed this video and will now proceed to read the comments please remember, if a person says “jump” are you going to “jump”? The PHP agency is a LEGIT company. Have you ever heard of a privately held company? The PHP agency is a financial services firm that is currently held private. There are also some misconceptions below that The PHP Agency is an insurance company. That is incorrect, what we do is the marketing for billion dollar insurance companies. However, we also offer other services as well such as retirement services, debt settlement, college savings plans, etc. This opportunity has afforded me the luxury of helping my parents financially. It has also afforded me the luxury to pay down my debt, travel, purchase a brand new luxury vehicle while only working on a part-time basis while keeping the safety and security of my full-time job. This is the only opportunity around where this type of flexibility on a part-time basis is even possible! So if you allow others to dictate your opinions on how you make money, then I will keep you in my prayers. However, if you are open to knowing more about this amazing opportunity, please do not hesitate reach out to us directly. Contact information can be found in the description section above.

[@naturalnikkismile1709]

Andrea Chairse - So are you a licensed agent?

[@kanishatayloresquire]

And btw, I have grown as a woman, business owner, parent being mentored in PHP. Patrick's leadership development program is 2nd to none.

[@carmendiaz7224]

Thank you for sharing a great video this company is not only credible but it delivers when it comes to compensation and building leaders ... it takes vision to be a part of this company and which explains why php is a attracting great leaders and developing leaders ... glad to be partnered up with the fastest growing company in the financial industry with msm

[@NestorMaravi]

“The bigger the vision, the more help you need.”

[@7FigureSquad]

Absolutely

[@coreyv_investsaveprofit8511]

$199 cost to get into a franchise type business where you can get 1000 policies within 90days without chasing 1000 sales Even with 30% that’s around $200-360 per policy boom your money made back.. Some ppl want wealth from leveraging a network and others want earned income just off their efforts alone but what I’ve seen no1 is force to recruit to make money just go out and help people

[@thefinanciallyfitguy7516]

Honestly. These comments are all a joke. I attend a prestigiois business school in Jacksonville Florida. Throughout the time at school. They teach you concepts about how to run a business. Though rarely do they tell you how to open a business and develop a team. Not just a team that is pushing papers to hit a quota. I’m talking about real development. Getting to know your team how to drive the team. How to process issues as a team. Providing value. How to talk to people in a respective manner and gicbing to the community. School can’t teach that. They don’t beleive it matches their criteria. Among those ideas they talk about what makes a great company. For the most part it comes to the executive team with decision making and the workers to execute. Yet in PHP, everyone works for themselves. There’s no boss telling you what to do all the time. Which means you must learn adaptable skills that are not taught in school. These skills are true foundations that are practical. PHP is not a scam more because we have licenses and are regulated. But the firm has products that are world class and actually create an impact. LIFE INSURANCE is not something you can get at your local pharmacy. It is a product that the SEC does not allow anyone without proper authority to sell. Trust me. Ive seen the consequences for selling with out a license....it’s jail time. There is no research that will top that of our investors. The Ambino Partner, know for taking many companies public LEGALLY. The Brenner Group. Which chooses one firm for the entire year to invest in... which we won. And Oscar De La Hoya, the Golden Boy, who was the first Hispanic owner of a professional sports team, the Houston Dynamo These firms have invested 10 million into PHP because they understand the value in which we create for the community. There is a desperate need that PHP provides a viable and efficient distribution model. Problem solving at its best! There is no research you can find that their partners have not already checked. Aka PHP was audited 3 times..... which cost millions of dollars to do so... So I implore you to learn that there are more ways of making money than a 9-5. Also if you beleive 170 is too much plus 15$ for an access fee, then you simply do not understand business. Imagine trying to get Starbucks but you financially out the stor you love the most closed due to lack of rent money. It’s the same thing. Every business has a cost. That 170 is your way to make a newer you. But if you STILL think it is a scam.. keep watching because there is nothing else you can do.

[@fabianbotello4917]

Comments are all a joke?? So it is a scam?? Damn

[@MrPacman916]

My Name is Meiko Valencia I’ve been with the company for two months putting in work and have not seen anything in return until now. But you know what that is called?? Delayed gratification baby! Making a few extra thousand just part time and soon to become full time!! I use to have three jobs and was going to college before I started the industry and I dropped out, I was kicked out of my house. That never stopped me though because people always want what they aren’t willing to give. People always want the money up front. They need to get off their high horse and do some of the things that rich people sacrifice in order to get where they want. I’m here to create a legacy! Not just watch my family legacy disappear with the rest of the 99% great luck to all those who try this industry because not only is this fun and we learn specialized knowledge, but the checks are super fat. Enough to recruit real estate agents, computer engineers, and 6 figure earners from contractors come for the opportunity ! Thank you Matt for all you do bro. See you at the top!

[@raulrivera5364]

How is it still treating you?

[@lambertjmaddy5843]

PHP is as legit as it gets! This is a once in a lifetime opportunity! Being around like minded people and sharing the same vision, and everyone fighting to win for their families and for themselves as well as giving others the opportunity to do the same! The movement has already begun with PHP! WHERE WILL YOU BE WHEN WE GO PUBLIC!!! WILL BE PART OF THE MOVEMENT OR WILL YOU BE LEFT BEHIND!!! @MattSapaula #MoneySmartguy

[@arturomarin4423]

I served 7 yrs in the military. I heard a lot of stories about how great the opportunities were in the work force once you were a veteran. After I left the military I was laid off 2 times in 4 years. I found no appreciation for the military or what I had learned while I served. I took jobs that paid the bills while knowing what I learned and what I knew was worth more. PHP has showed me that your worth is determined by what you do and how you lead not by time in a certain position. Entrepreneurship is the best way to separate those that hustle from those that expect things to come to them. PHP has show me a new light and a new way.

[@multimeter2859]

What was your branch and MOS?

[@jessicalasanta9492]

BY THE WAY.....THIS IS RUBEN RIVERA FROM FORT WORTH! :)

[@vanityxoxo9957]

I’m laughing at all these comments

[@vanityxoxo9957]

Matt Sapaula exactly, I mean the cons they put down are only because they don’t see the vision

[@xxinnxxann]

name of song at 4:50???

[@thebburrellproject4314]

@Matt thanks for this video, PHP is so legit it changed my life.

[@leticiarubio8908]

After listening to this video I find more assurance in representing the PHP agency. Our mission is to help middle income Americans, to help those families struggling who are living pay check to pay check. Our mission is to provide financial education so that people can learn to make better buying decisions, so they can learn to budget their finances, and to protect their biggest asset which is their ability to earn an income. I love doing what I do because I love helping people!

[@robinharper1728]

PHP is very Legit! I came from the insurance industry, not as an agent, I was in Regulatory Compliance for a Fortune-500 company worth billions of dollars. I spent10 years watching executives come and go due to politics. I was just a number making sure the business was compliant...was I really in “Good Hands” My time and money was controlled. With PHP, I’m mentored by the Top Leaders, and it doesn’t matter what level I’m at in the company as long I perform, they pour into ME... at my corporate company, I perform, they pour more work on me!! PHP was the best business decision I’ve ever made, and in less than 2 years, it paid off!! Thanks Matt!!!

[@vg9alicker351]

SCAM. ALL THE PEOPLE HERE SAYING IT'S NOT HAVENT EVEN MADE 12K IN A YEAR😂😂😂

[@vg9alicker351]

Office Bakersfield

[@jaimeesquivel1565]

Matt Sapaula what am I about to learn tonight in an interview or is it a presentation? This comment is obviously vague, but still mentions my city. What is being invested what are the goods or services? How does the money work for you, stocks? Is it like gambling? I suck at it.

[@anonxmdz4160]

Jaime Esquivel it's all a scam bro if I was you I wouldn't even try to recruit people to get promoted to just a 40%. Yes PHP mentions that they are best paying company which maybe that's true. But most of the agents can't even pass 60% which really low. There's other great companies out there too which offer IUL's as what this company claims it has. But they will start you off at a 60 to 80% commission and can go up without promoting any people or recruiting any people. And yes sapaula I get it, your making the most money in the company but only way you can do this is with the help of the team and time. And I bet you more than half the people you and your team recruit didn't make any money at the second month of even being license or made not enough to support their families. Another thing I noticed when you Run your BOMS you mention put more time in your business than family and they will thank you later. But in my point of view you invest your time in family and God and then business. No bs about business first. Also these whole trips that Patrick creates with Private jet for the co-owners people who qualify to special trips, big events showing all these rented exotic cars. To try bringing people in and telling them this can be there's. And in my point of view all your team is probably not gonna get to buy them selfs even a honda because I bet you they broke still and suffering money. And living off their parents because your shit company has just scam them. So keep up your scam bro. Making people pay $150 +14.95 monthly and then tell them they need a license that will cost them another 500$ to do. I hope you don't delete my comment😂😂😂

[@jaimeesquivel1565]

Anon Xmdz Thank you for the reply. This is good to know, so far all I've been told was the $150 and a somewhat understanding (¿?) of how the company works.

[@kanishatayloresquire]

VG9A Licker I have actually made more than 12k and its your license. Whether youre at 40% or 77% you can still make less than 12% if you DONT GO TO WORK😂😂😂

[@KraZDec]

LETS GO WTP. PHP ISNT FOR AN EMPLOYEE MINDSET INDIVIDUAL. STAY AT YOUR 9-5 IF YOU CANT HANDLE SALES

[@namelessmemer6696]

Talking shit about other people can say a lot of you watch what you say mlmer

[@davidwhite3654]

It’s interesting seeing people say it’s a scam. After two years in the National Football League, I decided to transition into PHP November of 2018. Based upon the money I have already made, and the partnerships I have with Fidelity, Mutual of Omaha, National Life Group and others, I’d say this decision to partner with PHP is a no brainer.

[@PrimalMoodz]

You were in the NFL and expect me to believe you left to sell life insurance?

[@DJRichyRain]

Amazing executive team, great interview. Don't stop updating videos, can't wait to see what's next!

[@DJRichyRain]

Matt Sapaula I really would like to see videos about how to cater to the middle class that's growing and the industry isn't paying attention to. Millienials included!

[@higherlearningvids]

PHP is legit to to me because billion dollar companies (AIG,NLG,JOHN HANDCOCK ETC) are partners with PHP for them to sell there products

[@gatopirata8582]

He is a ball soccer - in 3 days he fall in love - waoo

[@NestorMaravi]

It is very interesting to read the different perspectives.

[@7FigureSquad]

Lol what do you think about them since you’ve been with PHP for a minute?

[@NestorMaravi]

I think it’s much easier to point the finger than to ask questions/take full responsibility. It’s easier to blame the real estate program, the stock option course, the Forex exchange opportunity. It’s easier to blame the government, the president, my brother, my mother, my father, my cousin, my aunt, my ex. PHP is no different! We have a license to transact business, and are in the most recession/pandemic proof industry, which has been around for years! On top of that, we have success stories left and right, the best leadership, and the best culture! If I am making no money, getting promoted, or helping the community, then I need to ask myself why. Am I being coachable? Am I listening? Am I following a proven system?

[@mikekidd1417]

@@NestorMaravi. How long have you been with the company. I’ve been contacted by someone within the company to join. I’m very interested into it for the same reasons everybody wants. To be successful. Trying to do some research and make sure it’s a good opportunity.

[@goodl88]

I know PHP is legit because I know multiple from different backgrounds and they were all able to use PHP to put their lives in a better position. Weather is was earning extra income or being able to put a policy in place that was able to pay a family a couple of hundred thousand dollars because a Loved one passed.

[@tonymartinezbroker7421]

This company is the best opportunity of the decade.

[@mayrajimenez3930]

Thank you for sharing Matt. Love the partnerships PHP has all around starting with the great staff at home office to the investors and most importantly the partnerships with our carriers. Many individuals think this system doesn’t work because they come in thinking it’s a job. This is not a 9am-5pm. If you actually want to make money it will take real work and investing in yourself. I laugh when people call it a scam, we are licensed through the state of IL, we don’t get paid to share the opportunity, we are partnered with high regulated companies. PHP has worked for me because I decided to give it the time needed and invest in my growth, now this is all I do!

[@edgarlule2616]

I learned that sitting in the table of owners and chairmen that I want to push through the adversity no matter what!!!!!

[@luisgerardo3548]

Matt and PBD might be as eloquent and convincing as they come, but it doesn’t take away the fact that this is an outright pyramid scheme organization. Do the math, the amount of licensed agents and the amount of families they’ve helped. Also the fact that once you’re in they want you to focus on recruiting instead of helping the community and getting customers. All their “trainings”, which is just a hype man telling you this is a “million dollar opportunity”, only puts their focus on recruiting other people

[@U_FEHP]

If they didn't recruit, how would anyone have the opportunity to spread the message of Life Insurance in general because Pat and Matt can't reach more people trying to do it alone...if they didn't recruit, no one would make money but them and that's the real pyramid scheme...being an employee is the real pyramid scheme at least with PHP you have an opportunity to make money and get to a high position without experience or a degree and in very little time...every position is equal opportunity and in corporate America it's no where near equal...quit being narrow minded and open your mind...if they didn't recruit, they'd be selfish and make all that money for themselves but instead they want to share the opportunity to help the biggest issue we have, lack of financial education especially in the lower and middle class...at least they're helping people make more money...and that is no where near a scheme

[@NestorMaravi]

Life Insurance & Annuities Industry = The Longevity Game!

[@7FigureSquad]

As certain as taxes and death

[@legacybuilders7684]

The top leadership of PHP is Millionaires & Billionaires.

[@dderby5171]

The bottom and mid levels are people losing money making millions for the top.

[@Commander_Haji]

I'm about to get licensed :D

[@christophercobb6925]

I’ve been a part of the company for almost a year and I’m not sure why the “scam” conversation even exists. This is coming from a commercial underwriter of one of the top 3 insurance companies. The distribution is unique and different, but the product is nothing new. We deliver it differently. If that’s a scam then maybe we are in trouble. I’m not worried though.

[@bedoyak]

Is PHP legit? Coming from restaurant management background (mainly chipotle), I NEVER thought I’d be involved with PHP. But there comes a time when you just want more out of life! I was tired of building for a company who A) would always demand me to build people, help with new stores or struggling stores and not once receiving a raise B) who would make me work off the clock because they couldn’t afford labor and then tell me “oh we’ll add your hours next week.” I was tired of giving my all for a company who didn’t value me. When this opportunity came to me, I thought, “this is my way out.” I’ve been with PHP for 8 months now. Best decision I’ve made in my life. Now I’m working my butt off but for MY business. Nobody else’s. PHP gives you freedom!!! It gives you freedom to fire your boss, it’s just a matter of if you’re actually willing to put in the work.

[@perk_nowinski516]

I feel PHP goes to hard on the recruitment so much agents how can u develop leaders when u have so many people to teach is my real concern

[@manueldelatorre6577]

Ejuani Santana our proven system

[@daphneereneantoine4284]

System. McDonald's, Apple, uber. System speaks volume

[@NestorMaravi]

“Nobody is addressing the needs of the middle class and minorities.”

[@antoniasaucedo4789]

I said what i had to say... I did my research already... I got more nays than yays on PHP.

[@lechelle1014]

Antonia Saucedo Hey, just check it out for yourself and try not to allow other's opinion block you from learning a new skill. If it doesn't work or you don't like it, at least you stopped based on your experience and not someone else's.

[@lechelle1014]

Antonia Saucedo There's bad reviews about lots of companies but we still shop and support them.

[@kanishatayloresquire]

I'm sad for you that you allowed what others say about something to influence you without learning it for yourself...Sounds alot like what happens when one race believes what a few say about another race...🤔

[@thewonderingbuddhist6123]

I'm kind of waiting n not seeing a PHP comment which is worry some

[@stevenott1020]

I feel that PHP has been huge success in my life emotionally. It would break down barriers in my life that I never thought I had. My dream is just start but I’m pump up for it.

[@polo5316]

what a scam. your products smh . bring it i Love competition

[@oscarcorrea3855]

Shakira says hips dont lie. Money Smart Guy says Numbers don't lie. #billionaire talk

[@oscarcorrea3855]

Matt Sapaula stick with your numbers and your team. Let Anthony Pinto belly dance his way to mediocrity.

[@daryldeborahelijoel.alvare2824]

I love Leaders of the Industry Revelusinazing ENTREPRENEURS in the LIFE Insurance Industry.

[@elogic7796]

Matt Sapaula Pyramid Scam

[@manifest7972]

YAHTZEE!!!

[@vanessaskellet6436]

PHP is truly changing my life. Everyday I am becoming a better spouse, mother, friend and businesswoman than I ever imagined. This is the place where dreams are made...through hard work and team work! Proud to be part of the #msm family @moneysmartguy

[@reyduck7742]

I wonder if someone from outside the US can join PHP

[@NestorMaravi]

In due time.

[@aswinkrishna5042]

Don't

[@olgatijerina1200]

It is all about perspective! Mine is …. Stay focused on your goals and dreams …. people always disagree about anything …. we all like to give our opinion …. but know what you want and continue the journey ! That is why I am always trying to stay close to like-minded people, successful people, positive happy people. The rest to me is just a waste of time. Great Day everyone!

[@bedoyak]

These comments are hilarious. From complaining over a $15 “fee” to calling us a scam. This industry isn’t for everyone. Just because it doesn’t work for you, that doesn’t make it a scam. I’ve been with PHP for almost 3 months now and I love it. It’s challenging, but I know it will all be worth it in the end. I don’t care about the $15 a month and I didn’t care about the $150 I had to pay when I signed up. No, Im not rich, or have extra funds. But when you have goals of retiring your parents, YOU MAKE IT HAPPEN. If you’re business minded and you want to be an entrepreneur...have that FINANCIAL FREEDOM, then come to a BOM and learn from the top income earners. Have an open mind if you truly want to grow. Otherwise, keep trolling while Matt and his office are out here making money, honey 🤷🏽‍♀️

[@teresams.futurevaltierrez8185]

karlita bedoya I hope so. I just signed up today. 😊

[@TivonyByTifani]

Can you give like and estimate on roughly how much you make a month? Because you said in the end it’ll be worth it as though your still waiting to get your investment back? They approached me about it 2 days ago but I’m skeptical as well.

[@CarlosRobles-zm2ne]

The people that are complaining about it... are the ones that have netflix accounts with the same price, and what Netflix do is taking there money, not even a platform!

[@southsidechicago3394]

hows work going for yah?

[@CarlosRobles-zm2ne]

@@TivonyByTifani he's the number one earner in the company, he makes $1,000,000 a year

[@KatherineWinston]

I am a independent insurance Agent with PHP and it a God send opportunity and I got the chance to work with Sheena what a blessing.

[@xxinnxxann]

@@7FigureSquad Hey there, i love this Video, whats the name of the song playing in the Background at 4:50?

[@isukdoe_]

Good info

[@stephaniesolorzano2577]

I joined PHP and my life has changed tremendously. All my life I’ve been depending on other people for my success. Not only that but I’ve also been stuck in the rat trap. I was doing nothing to challenge myself. Being surrounded by ambitious people is the move! It has changed my environment. I see the vision within this company and it is to change the culture of our communities!! It’s time to close the gap between the rich and the poor and prove that we can all be successful 💪🏽 WHY PHP?... WHY NOT PHP! you can see the vision through the energy!! I can’t stress enough how much PHP will change your life. Don’t worry if it’s legit, if you believe in the vision, stats and legitimacy isn’t even needed! Listen from my experience. Listen to stories and ENERGY AND GROWTH! -Stephanie Solorzano

[@davidvera7968]

This is a great video. PHP is legit. I have been in PHP for the last 14 months making over $10,000 a month. PHP Agency helps you build a business, help thousands of families and change the lifestyle of thousands of people. Proud to be working in the fastest financial services company in the US. Highly recommended.

[@erikmartinez8037]

To prove a company ain’t all talk, search up their Stock . If they have no stock they do sleazy shit

[@joeschmo9953]

What? That doesn't even make sense. Once a company is publicly traded then they are beholden to the stock holders. A privately held company is beholden to themselves. Being publicly traded doesn't make any organization good or bad. But you may be nominated for the most illogical statement of the year.

[@bravelittletoaster3439]

SCAM SCAM SCAM. Why don’t you people get a real job.

[@o0Blu3b1rd0o]

How can you say that this is a scam? Did you personally work for PHP? If not, your comment is a scam in itself said to hurt a company that hasn't done anything to you.

[@elizabethr633]

Shovel & boots

[@antoniasaucedo4789]

Unable to make extra payments on something that you cannot afford at the moment it's not a lifestyle it's something that has happened to us and we are in search of something to make us more money you saying that it is a lifestyle do you really think that most of us that are struggling it's something that we wanted? I'm sorry it just bothers me that you say it is a lifestyle. It is not it's just nobody has extra money to spend if they don't. PHP ( people helping people) would be a perfect name as lifestyle IF that is what you're actually doing is helping, the company's name should actually be PPM (people paying more). Maybe I think you should re-word what you're saying. ALL IN ALL, not having enough money is not a lifestyle. But hey if taking people's money instead of helping is your "LIFESTYLE" then so be it. All I'm saying it's just tell your recruiters upfront so that they know they have to pay another bill in order to make money. THE TRUTH SHALL SET PHP FREE..

[@teresams.futurevaltierrez8185]

Antonia Saucedo Is that what happened to you? How long were you with them?

[@teresams.futurevaltierrez8185]

Antonia Saucedo They did say it depends on how much you put in.

[@antoniasaucedo4789]

They said it to some but not all... I'm saying that at the meetings say it up front not separately with the agent or not at the end of the "PEP" talk. upfront n for most is the best way to save anybody time! And is anybody even reading what I said?? Like damn I never said anything about it NOT making $$ I said it's better for both parties to let ur new recruits know before even going to the meetings. Duh

[@JuROzJamz]

Great!

[@stephl9730]

Wow this is awesome. Just more validation on why to choose this industry and specific company to be apart of!

[@stephl9730]

Matt Sapaula my favorite part is where Patrick talks about choosing the life insurance industry. Because I was torn between a company that has new technology and doing PHP. I was already leaning toward PHP because it’s more meaningful and that’s how I made my decision. Not by picking the most fancy out of the 2.

[@stephl9730]

I appreciate your replies!!

[@MandaChali]

Credibility is huge in business. You know you're doing something great for the community when investors like Oscar De La Hoya invest $10 million into your company so you can spread the message of financial literacy, independence and security. Grateful for mentors like Matt Sapaula and Patrick Bet-David who create an opportunity like none other for people like my husbandand I. Not everyone gets an opportunity to be a part of something great and make history! * *Bonus: Women make up More Than Half the company in a male dominated industry!

[@cristianochoa9930]

@@xmart_training PHP doesn't ask for 200. The state you're in does if you're not a licensed agent.

[@markandpaulabernard2716]

👍

[@elizabethllangner9330]

Growth. Christian owned business.

[@soldierwr2live]

Best Free Enterprise War 2019🔥🔥🔥#WTPMOVEMENT

[@jessyguifarro8147]

I love to help people and I love to soround myself with people who are going places this company helps people and is full of successful individuals. .. There is nothing I can say here to show that this agency is legit because you have to see it yoursel....@Matt Sapaula

[@silvinagalindo1987]

PHP is Amazing, I'm a Military wife who gave up on her dreams, After having kids, moving from place to place everytime I gave up on myself and just hoped I could help my husband accomplish his. I came in concern " can I really do this, I have no experience I'm not good with sales". I had my 1st training with my mom and realized how valuable it is to have our license. I'm not the most successful person here, but I found myself here I found my purpose. I'm dreaming again, I'm surrounded by like minded people, I'm mentored by the best. I see people in the leaders board who have the same story I have. I'm not here to brag about money bc it does come if YOU put in the work. I'm here to brag about about the difference we are making for middle and lower class, we came with no financial education but that will soon change thanks to PHP Agency

[@xxinnxxann]

whats the name of the first female song in the Back ground? at 4:50

[@miguelbe3676]

PHP is the hottest most influential financial services company on the planet!! Let’s see how many likes I get cause all I see is all these negative comments getting love - ask those that write negative what have they accomplish!! I’m going for mine you should go for yours too!!

[@j-word4643]

Miguel Be totally agree bro!!!!

[@quentinmezetin8111]

Miguel Be totally awesome