Do This BEFORE Joining People Helping People (PHP) Agency

[@edgarbarraza5756]

Your book of business is 100% yours after the first year

[@Carlos-sn1rk]

Lmao 🤣 read your contract, they will take away for any reason and you are a captive agent, do you know what that means??? You do anything else and that’s a reason to take away your renewals

[@LxgxndsNeverDie]

I haven’t officially “joined” per say but I went to one of their recruiting events on Wednesday and I was impressed because I never heard of them and then I went and did my homework and ran across videos like this now I’m like F**k I should’ve known

[@LIFE180]

Glad it saved you

[@twinkiemp]

Thanks for this. Had someone hit me up about PHP and got so many red flags. Your videos helped me make the right decision by not joining. Please keep making this type of content. It helps people.

[@LIFE180]

Thanks. I needed that today. I have tons of tiktok WFG agents attacking me 🤣🤣 I do these to help educate. It's not in my nature to be hyper critical. But I feel people need to be protected...

[@WaylonChavez]

Where did you end up? Are you selling Insurance?

[@twinkiemp]

@@WaylonChavez Ended up doing something else. If I do insurance, I will be VERY thorough and wary. Do research. There’s too many scammers out there trying to pull on over on you. Best of luck!

[@imeldavillegas3415]

I am making 10k a month and I do the right think for people. Had my job I worked there for 20 years and my commission was about 1000k and I had to work so hard for 3 months. We have other products and other companies he only knows NLG . 😒

[@sabinasmith6326]

Thanks for this information someone is trying to get me to join php business and I am not sure if this is for me because it’s more to it and I don’t think it’s right fit for me!

[@jameelbest9404]

I read the comments and people from PHP give you shit. I just joined PHP a month ago. I just got licensed yesterday. I question everything though. They heavily market IULs and me, being an Indices Trader, was heavily intrigued by the thought of not losing profit due to volatility. I also watch a lot of Doug Andrew and I saw your video on him 😂 Please continue to critique. I don’t think anyone should blindly trust anything. There is good and there is bad. I see people in PHP who ONLY are interested in recruiting and know nothing about The market fluctuations, fees, and aren’t even interested in going the extra mile to study. They do have a pretty extensive sales/recruiting training Database which I like, but there is no product knowledge database which is damning. My advice to anyone in PHP. If your a beginner like me, study study study the products and don’t just be content with what they tell you to do. Accept the critique and find ways to implement that into your Business if you stay. I have decisions to make but for now I’m going to focus on being the best agent I can be, and helping people by KNOWING MY PRODUCT THANKS MAN!

[@jameelbest9404]

One question of mine would be.. I care about the clients wellbeing, I don’t want them to put their trust in me knowing an IUL may not be their best bet. So my question is, if not IULs then what would uou prefer? Whole Life?

[@LIFE180]

Yes, I am a huge fan of whole life if used the right way. Furthermore, I'm a fan of cash flow investing, and if you align with that philosophy, whole life is the best holding tank for your cash that there is. Check out my book, Cashflow Hacking (link for free copy in description of my videos). I agree that you need to study study study the product. Nobody should recruit and build a team til you are 100% capable of supporting and educating them yourself. I have launched a whole life IMO (I didn't have it when I made this video), based on demand from people. Our focus is on building the best agents....not recruiting.

[@BIGdaddy-vs7og]

@@jameelbest9404I wanted to join PHP but have doubts . Do you think i should join is it safe to work there an make a living

[@Jussablaze]

Hi are you still working for them?

[@dawoonahpierre]

Thanks for this comment, i joined them less than a week ago, i am studying to get my license now, i am confident that i made a good choice.What about you? Any Updates please?

[@angela_angela7601]

Someone tried to hire me for php. But why do they want me to pay $200? It’s a red flag that has me pull away

[@LIFE180]

True

[@bonniebouley2523]

So I joined php just got my license, and I don't feel it's a good fit . Can I leave them and try to find another company that fits better?!

[@LIFE180]

Absolutely. That's easy.

[@luis110613]

so i joined php befor i found out about you, awesome info and very eye opening. but how do i get php on the plam of my hand instaed of beign in the palm of thiers? im assuming just get my lic before i bring in recruits correct? if i do that do i keep the renewls if i leave? and so also if im licenced i can do my own policys myself without having to share comission and all renewls would be mine??

[@LIFE180]

You'll never keep renewals if you leave. There is no getting them in the palm of your hands... if you don't have your license yet, I would just reach out to Matt on my team and have a convo. Agent.life180.com

[@elcocaino8728]

Bro I met up with this one dude and he kept pressuring me to buy the $200 training and become his "business partner". I was starting to laugh because dude literally drew a circle map in shape of a pyramid to explain that I had to recruit people and have them recruit more people😂

[@LIFE180]

Sounds about right....🙄

[@idaliatorres6563]

Is called multi level marketing. It’s a way for money to keep growing in your bank without you having to work like a slave in a job. A lot of people doesn’t see outside the box. They’re used to getting paid by the hour. Living paycheck to paycheck will not make you grow.

[@Carlos-sn1rk]

@@idaliatorres6563Lmao 😂 Is that what they told you? The money flows to the people at the top, that’s why 98% of PHP agents make less than a McDonalds employee. Google PHP income disclosure statement, it’s on PHP’s website

[@joyceharvey410]

Thanks for sharing this. I was just a customer. I recently got my money out due to mistakes they made. Cost me lots of money in surrender fees though.

[@LIFE180]

Sadly, this is a common story....

[@joyceharvey410]

@@LIFE180 Right. I should have learned my lesson with WFG. They are worst than PHP when messing up people's money. I just wish the laws were stronger in protecting people like me from these types of companies.

[@LIFE180]

@@joyceharvey410 agreed. It's one of the reasons I make as much content as I do - hoping that people see it BEFORE making the mistake...

[@danielharjo-wx9pb]

@@joyceharvey410 PHP does that to many people. I hear it often. No need to answer but as a question what insurance did they sell you?

[@joyceharvey410]

@@danielharjo-wx9pb I had an annuity and Life Insurance plan.

[@poeticgeenetikstv4672]

So I can take my license exam without being tied to a company

[@LIFE180]

Absolutely

[@poeticgeenetikstv4672]

@LIFE180 SO what type of training would you suggest in order to even the playing field from not being employed by an agency and being indepent...it's almost like being an indie artist, with no budget, as opposed to being signed to a label with a huge budget

[@LIFE180]

@poeticgeenetikstv4672 nothing wrong with being part of a group....just make sure your contract is independent and you are paid directly by the carrier. That way you can't have them take your renewals or control your relationships if you ever make a change. Plenty of ways to learn to build your business/agency.

[@poeticgeenetikstv4672]

@LIFE180 I believe in being independent. I just wanted to know what are some available tools for doing so. I'm sure there are some blueprints or templates where one wouldn't have to reinvent the wheel.

[@LIFE180]

@poeticgeenetikstv4672 well, there are different trainings you can buy from different people. I have training I sell, as do others. The best way is to probably join an organization that allows you to keep your independence, but also helps with the training side of things. Honestly, that's why I have created what we are now doing (which didn't exist when I made this video) for our IMO. Allow you to keep independence but also support and train you.

[@FatimaAdams-q8d]

I am in dire need of help. I have my license in a year and a half, and have not sold anything due to the fact that I have no training on how to even write up a policy.

[@LIFE180]

Set up a call Agent.life180.com

[@fumanpoo4725]

People helping Patrick.

[@LIFE180]

yep. why doesn't he admit his affiliation with PHP publicly at this point?

[@willow-wf3jf]

this is eye-opening

[@saeligutierrez8025]

Can a person join him as an agent?? What products does he sell?

[@LIFE180]

Well, when I made this video, had no offering. Now, yes, I run an agency. I created it because so many people were having so many problems with all these bad IUL IMOs's

[@saeligutierrez8025]

@@LIFE180 awesome can i get more info?

[@ms.rosadivine89]

Someone who a friend of mine are with PHP they want they want to join I’m thinking of not joining thank you for this video

[@Gofinity_Lifestyle]

Who do you recommend as a company to join? I want to build something special and impact lives.

[@playahatted3626]

And make millions 💸💰

[@itsafamilythangyah5308]

PHPis

[@connectwithva]

I'd love to hear what he has to say though about all the people who lost everything in a 401k or annuity when everything went to hell in a handbasket during the pandemic. Also, he says he loves mlm and network marketing but not when it comes to people's finances which is totally misleading. Any NM company asks people to invest a certain amount of money upfront and per month, and most promise the moon with not much delivery. I've spoken to no one at PHP that has promised a dime. It's up to YOU to make your goals a reality, not your upline, not your managers, not your friends and family.

[@LIFE180]

Who lost money in an annuity in the pandemic? I'm confused on your post. You speak like you hate NM, then also like you love PHP? 🤔🤔 Just because people lost in a 401k, doesn't mean IUL is the answer. Look at history....IUL is the most misrepresented product ever

[@connectwithva]

@@LIFE180 I actually like NM. It's the shady people who abuse the NM system that I dislike. The ones who claim to like it, who claim to be "servant leaders" and are arrogant about their morals and then proceed to poach and advertise their own team or product/service. If you don't like a product, don't buy it but telling others how to live their life and how to spend their money by badmouthing another company is judgment and lack of self awareness. Your company and product and the way you conduct yourself should be enough for people to want to work with you.

[@LIFE180]

@@connectwithva agreed whole heartedly!

[@Essence22221]

How does being an independent agent affect filing for taxes. Do I give the agency my tax information if I made a commission?

[@FatimaAdams-q8d]

I’ve been licensed for a year and a half and don’t have any training with PHP. How do I become an independent agent?

[@danielharjo-wx9pb]

@@FatimaAdams-q8d this guy here isn't kidding about PHP they're a total RIP OFF but the things that he's teaching others to sell (whole life) is only hurting families. That's why he has nothing else to say when I questioned him about it

[@MatthewGooding-vf2rc]

What is your opinion on Family First Life?

[@LIFE180]

Depends. It's a completely different model. And they don't sell IUL or banking, they sell final expense.... it is much better than PHP

[@peterterneus8442]

@@LIFE180 actually Family First Life does sell IUL and FIA, Mortgage Protection, and Final Expense. They have always. They also start you at 100% comp

[@nohemivaldez5760]

@LIFE180 Yeah is much better than PHP because you guys keep the people's money because you selling the insurance for 10 20 or 30 years if the client don't die on the period they have to apply again and is more expensive I was paying $120 for only $18,000 with PHP am paying $90 for $300,000 of my husband insurance I love PHP thank God for these oportunity I just started on PHP and I don't need to recruit a lot of people I only have 4 people and I making more than $4,000 in 3 weeks I only work like around 10 hours for me this is better to go back on my regular job (construction) I was working on construction and cleaning house Do what you like to do and don't let any body steal your dream!! I love PHP ❤ Is changing my and my family's life I don't know why he is doing this video I don't trust him I only trust God I ask God for another opportunity and I got PHP in the future if I don't make these work is not PHP fault maybe is me am working on me self first 🙋🏻‍♀️🙏👌🧘❤️ I trust on GOD! 🙏🙏🙏 Karma exists

[@PatrickParkerMusic]

The part I need clarification on is I don't know what company I should work for that has my and my client's best interest. Who won't screw my clients or me?

[@LIFE180]

It's a function of what you want to build for a business. If you want to put your clients first, you need to work with an IMO that is focused on building YOU before you go sell. That is why I launched our IMO recently. Because nobody else is doing it that way. You can set up an agent interview by going to life180.com if you want.

[@mrjavan]

I wish it would be possible to save this video... send it to myself back in November 2017!!! I did, though, meet some really good people. but the overpowering theme was/is RECRUIT RECRUIT RECRUIT!

[@LIFE180]

It's too bad they take an amazing Industry and turn it into something it isnt...

[@joshuafootman1593]

man I worked out of the office in Altamonte for PHP. It's a terrible place to work insurance

[@multimeter2859]

Where is Altamonte?

[@joshuafootman1593]

@@multimeter2859 outside Orlando

[@LIFE180]

Where are you now?

[@joshuafootman1593]

@@LIFE180 I joined a independent agency called jp&B

[@LIFE180]

@@joshuafootman1593 cool 😎 that's awesome. Still doing IUL?

[@luis110613]

also if i get licenced but never write a policy with the mentor and only recruit others i can still make money off them but do my own policies correct?

[@LIFE180]

Yes....if that's what you want to do. I believe you still have a responsibility to understand what you're doing tho

[@checkthemikecrophone9050]

This video was amazing thx so much for making it

[@LIFE180]

You got it

[@ВикторияВиктория-ц7ф1и]

Another bull shit about passive income! If you resign from company, you get you residual for the rest of your life. I personally know at least 5 people who has it !

[@LIFE180]

Really? Try to leave yourself and see what happens. WFG, PHP, PFA, they are all companies that control your commission because you assign all of your business to them and then they pay you. Therefore, they can literally do whatever they want. You can be mad all you want, I'm just sharing facts on how the business works

[@imeldavillegas3415]

This is a lie, no one pushes you to do anything. I got license and started writing policies until I understand what was doing. I was never force to do anything. I am very thankful for PHP because before this, I was doing in Primerica and I was making 30%. People open your box and experience on your own. Why will you give up on something that you haven’t even try. Be your own judge

[@LIFE180]

When you compare PHP to other opportunities in the life insurance space, it's really laughable

[@adleymonterroso5140]

⁠@@LIFE180what other companies/firms would you say would be a good place to work for? Cause I don’t know any that aren’t like PHP. Or how does being an independent agent work?

[@LIFE180]

@@adleymonterroso5140 email [e-mail]

[@ВикторияВиктория-ц7ф1и]

And one more question to you personally??? How much money do you make yourself? Do you have your own company?? How successful are you? Or you just a big liar who only likes to bad mouth o the er companies???

[@LIFE180]

I'm not about bragging about income. I do just fine. I run an IMO that does it the right way....and I run a Private Equity Fund. On top of the life insurance agency, we own and run a hotel in the Dominican Republic. @visitzaria if you want to see it.

[@dannyholloway2007]

I have already joined PHP, I am lucky I have not sold a single policy, I plan to get my license and get out thanks to your videos.

[@davidbeeks2798]

I am in PHP and I would suggest sticking it out. This guy knows very little about PHP and is giving misleading information.

[@leetos.4915]

@@davidbeeks2798 I been an agent with PHP back in 2015 to 2017 boyyy I wished I have watched this kind of video at the time. It’s all about hype when it comes to the PHP culture but the reality is uplines MDs misleads their clients when it comes to sitting at the kitchen table when it comes to insurance contracts…why? Because they don’t disclosed exactly to the client what the contract really says…decisions is based on emotions not facts…that’s why this video is very helpful and your perspective im sorry to say is something you’ll learned when you find out for yourself like what you said about your IULs products doesn’t really reflect from the beginning how exactly it should be performed in the market…and btw…PHP claims the fastest growing company but yet their history speaks for itself they didn’t live up compare to PRIMERICA where they had 100s of thousands of agents the 1st 2 years and PHP Until todays still only have 50Ks agents a nationwide knowing the company started since 2009 right? Lots lots of misinformation my brother

[@livingindetroitmichigan313]

@@davidbeeks2798 ok so where is he wrong so we know what’s true and what’s not?

[@aaronbarrera1787]

@@davidbeeks2798 we’re waiting

[@manueldouglas3435]

Still waiting...

[@kristyhonie5338]

How do you create your own agency? Where can I go to get that information to create your own agency?

[@LIFE180]

Email [e-mail]

[@funnysergeant]

Huh

[@LIFE180]

What was confusing?

[@Kaboombobby]

I thought you were vested after a year with php and as long as you keep your license, you get the renewals

[@LIFE180]

Not if you leave and try to work with another company or go independent...

[@Kaboombobby]

@@LIFE180 rethinking it, the video did just say if you decided to leave, it didn't address staying in the industry.

[@Kaboombobby]

@@LIFE180 so where should I start if I'm looking to find out more about the industry and if I should start learning and building a side business

[@LIFE180]

@@Kaboombobby well, most people who have any success and want to leave are going to leave to independence and not the industry altogether. If you decide to be inactive bit keep your license, you can keep renewals because you are technically still with PHP...so that's why they say that

[@LIFE180]

@@Kaboombobby my channel is great as a resource to learn a bunch about products, sales, marketing, etc... Not sure what your needs are? Or what your current level of understanding is...

[@imeldavillegas3415]

What are you going to offer? Mutual funds 100% at risk 😮

[@LIFE180]

If you think I'm going to offer mutual funds, you've never watched any of my content 🤣🤣

[@tommymodec]

I’d rather offer mutual funds in a Roth IRA or even brokerage account than an IUL that is “100% at risk” of underperforming their respective benchmark index and possibly even lapsing in the future. 😬😮

[@loveormoney786]

PHP sounds lot like a pyramid scheme. 😂

[@LIFE180]

Not a pyramid scheme....just a moral hazard.....

[@loveormoney786]

@@LIFE180 oh that’s what they are calling it these days 😂

[@denhoedify]

Your video is unethical and defaming of a positive industry that is helping thousands (if not millions) of people a year. Some of what you say is true, but you are littering it with opinion and judgement. I literally just wrote a policy for my wife and myself, and I AM receiving compensation for it. Sure, PHP focus' on recruiting. MANY (if not most) people do better when they are part of a team. Instead of berating a successful business like PHP to gain business, do some work and grow a team. Oh wait. You don't agree with recruiting. Go do it by yourself and see how fast you grow. SLOWLY. If we do a search about your company, we will find positive and negative perspectives. People...remember...you will find what your looking for whether it is positive of negative. That is the world we live in. Make the choice for yourself. Join this company, that company, or create your own. Either way, stay positive and continue helping other people. Pay positivity it forward and let negativity go. I love you all and wish all the best to everyone.

[@LIFE180]

Unethical and defaming? I love the industry of life insurance and agree that it helps tons of people. But PHP, WFG and all the MLM type insurance companies are just horrible. Mixing MLM with life insurance is a recipe for disaster. ALL of those companies have MASSIVE MORAL HAZARDS in their comp plans. With any of those companies, you will see, recruiting is the key to your growth, not personal production and product mastery. That is the problem. It becomes (has become already and is unavoidable) the blind leading the blind because the focus is in the wrong areas. I am all about positivity, but when I see people being harmed in an industry I love...when I see people selling IUL through misrepresentation (as PHP does)...when I know how many people will be hurt through these tactics (because I speak with them EVERY DAY)....sorry, there is a place where love looks a little different. To me, I do all of what I do in love of protecting people from the predators selling these products that they don't understand. I will add this....I know that most people get into the biz to help people, I believe that. I sold IUL for 4.5 years before realizing the truth. I get how it happens. But don't bury your head in the sand on how it actually works and just follow your uplines orders because "success leaves clues so you should just follow the system". Think critically for yourself. They are your relationships....you have a responsibility to know exactly what you are doing....

[@Guard_Your_Future]

I’m in PHP, yes you own your business and get the renewals, and earn well you learn, you get licensed and they teach you how to write business with your broker and split commissions and earn well you learn as a licensed agent, and we have training on product 6 days a week in with office hours, I’ve been in for 2 months and it’s been a great experience, and I’ve already been appointed, they do teach us in detail about products, especially because if we write bad business we can get charge backs, un-appointed with carriers, and lose our license, they are thorough on illustrations, and identifying clients needs and budget to best fit the client, and prevent charge backs. As for recruits PHP offers the option and explains to each person a orientation about being a referral agent, part time agent or full time agent, and also give the option to get licensed first or to start building right away. Brokers are open with recruits that they are there to support their goals and encourage recruits to be open about what they want out of the opportunity so the Broker best knows how to coach them towards their goals. But in every company there are bad apples who try to do it their own way and reinvent the wheel. So be aware of the leadership in your upline as you should be aware of management in any job or career you start. A manager, broker, shift lead, higher up, or any leader may or not be a good fit to train you and you may not like them but it does not mean the company or opportunity is bad. Remember their are successful people even in walmart, McDonald’s, and other companies doesn’t mean it’s the company for you. Sales is not for everyone, recruiting is not for everyone, leadership is not for everyone just because you may have a friend that drops out of school doesn’t mean school doesn’t work. My personal experience has been amazing in PHP, and it’s not my first FMO insurance company, I was also in WFG and got out because it wasn’t for me, but I have friends their that love it. So ask questions, do research and make sure that any career you consider fits your needs. The grass is greener where you water it.

[@Trashpanda888]

That sounds wonderful. But are you able to fulfill his challenge and come forth with an aged policy from PHP?

[@MissRandom077]

I just had a Zoom with a recruiter, who invited me to their office here in Atlanta on Saturday. How is your journey so far?

[@Guard_Your_Future]

⁠@@MissRandom077my journey has been super rewarding so far I’m on my 11th month and I’ve qualified for many trips and all sorts of fun things and made some pretty good money to. My experience so far working in PHP it does push you to grow and get better mentally, intellectually, and develop all around it’s not the easiest thing but also not a cake walk because improving and developing is uncomfortable but definitely worth it and rewarding in opinion so far.