People Helping People (PHP) Full Compensation Plan Video Review

[@LIFE180]

What are some ways to create cash flow outside of wall street? Comment below! Watch this for more: kzbin.info/aero/PLrRnvQl4pMjjZ9EZh8-SUaoVGuV6amtBF Let's discuss your finances or life insurance business - click on the scheduling link in the description.

[@JayJayTX]

You are spot on 100% on the front end comp plan and product education issues. I just had my first meeting/intro to company by a director and her associate. Think people get overexcited and they have zero knowledge prior to getting in and thus make missteps in possibly selling products incorrectly and go blitz on recruiting to make higher commissions. Anyhoo…I’m educating myself before I leap. Once I’ve got all the info I need I can make the jump and then run hard and produce. Thanks for your transparent honesty in pros n cons of all. My biggest concern is noncompete and nda. It’s my law and business background. That knowledge gets ya every time.

[@jujuanparham757]

Why wait until u know everything instead of leveraging ur upline or sidelines, blood is on our hands get the people life insurance , EARN WHILE YOU LEARN

[@bobby_ewan]

People Helping Patrick

[@MrTleeboss]

Yes People Helping Patrick

[@titonothere6179]

Primo Helping Primo! Nothing against my own ppl but damn his company is a little Mexico.

[@joelkaben]

Lol 😂

[@westcoasthustle6133]

😄😂😄

[@AForEh]

🏆

[@KTreliAP]

I’ve been at PHP for 4 months and I’m a director and I appreciate this video this broke down many things that I didn’t understand I appreciate this

[@Matthew-_]

It's been 3 more months how's PHP going?

[@cobracommander9138]

You have been in for 9 months total how is that PHP working for you? Did you make diamond yet?

[@shakeemasimmons3395]

First of all they do absolutely NOTHING for us in terms of marketing, I signed up months ago and like you said it's been 100% about recruitment, I though maybe I was doing something wrong and just not understanding something maybe I somehow skipped a few steps NOPE I read their "blueprint" forward and backward and its all about recruitment! To begin you need to have a list of 25 people who you can call to recruit, but that's not enough, they all need to be home owners, parents or over 40. Every Monday you sit and cold call your family and friends KNOWING damn well they're not going to be interested to invite them to a recruitment webinar!! It's a whole hot mess I tried to get into it and trust the process but no, the math just isn't mathing.

[@KG-tu3rk]

I just got into it and I feel like I’m being pressured to recruit people! I’m like.. damn let me at least learn how the business works first but they want you to bug people until the sign up

[@OmeroGuerrero]

Yeah , run while you can. I have some former php guys in my agency crushing it, 5x their income in a few weeks. I start licensed agents at 110% comp

[@Kaboombobby]

@@OmeroGuerrero looking at php to start somewhere. But if I don't start there where is a good place to start?

[@sonic-bb]

hows it going for everyone here?

[@rayvonsavary4088]

@@OmeroGuerrerothat’s amazing how can I become involved in your agency ?

[@sharonlewis3892]

AWESOME! God bless you and thank you so much for presenting these facts about the PHP compensation plan. My husband and I will be watching more of your videos as we explore career opportunities within the financial services industry!

[@titonothere6179]

How’s your journey in the FS industry

[@Brovillion559]

I quit working for php. After learning how to sell ppl the bill of goods I started looking at how many ppl were NOT paying their police’s. I was not helping ppl, I was hurting them. I roped them into a 12 month policy they couldn’t afford and it doesn’t benefit them unless they meet the criteria. I started following Dave Ramsey and paying for term life insurance 30 bucks a month and the other 120 dollars a month (150 dollars price of the average policy at php) can be used to pay off debt. Your right they hype is the sell. I liked working there and had a lot of fun. It’s not what it seems, from the inside looking out it’s different.

[@rivervisuals444]

It is because you aren't trained right brother, I could've wished you were at my office. I'm with them right now and there are certain rules you absolutely need to avoid policy cancellation rate. A financial analysis always goes first before any policy. We are life insurance agent first. As fiduciaries we don't put thing that just doesn't make sense.

[@LIFE180]

At the end of the day, you are using "financial literacy" as a way to sell IUL which is 99.9% of the time NOT the right fit for people - especially middle income Americans. PHP agents are NOT fiduciaries.... I would be careful how you throw that term around.

[@dianamontanez5112]

So how is your agency different from PHP compensation? An honest question… I want to be an agent and learn the products!

[@LIFE180]

Well, PHP is mostly focused on recruiting and building a team. The culture leans on that. I am more focused on creating the best of the best from an educational perspective so you can bring real value to your clients lives.

[@josemelgar3698]

We should talk

[@LIFE180]

@@josemelgar3698 Calendly.com/life180/claritycall

[@Kaboombobby]

@@LIFE180 I'm doing research into php and going your video. I'd like to understand what other options there are. I'm going to watch a few of your videos to. I'm looking into getting insurance and maybe the business side.

[@LIFE180]

@@Kaboombobby feel free to email me - [e-mail] if you have more specific questions

[@Joe-l6v3y]

Notice how you never hear stories about one of them sponsoring a guy in rehab or helping a single mother buy an apartment or donating to any legit charities you absolutely never hear about Patrick helping any less fortunate Americans what so ever dudes worth close to 500 million .

[@DeathToLife777]

Dude, yes everything that you’re saying is 100% This guy is trying to recruit me right now and I keep asking him for more detailed breakdown of what exactly I’m doing after I take my class and all he can do is send me videos of a bunch of guys bragging about how much money they make and that’s fantastic. I am absolutely , all for a person’s abundant life who has grown prosperity but I don’t wanna pay for a class and then afterwards find out what it what it is. I don’t think anybody does. Thank you so much for your transparent intricate details

[@LIFE180]

Glad it was helpful!

[@jehickm]

I really like PBD interviews insight and wanted to understand more about his business . . Wow what a disappointment to find out the structure . Awesome video breakdown and delivery. I appreciate you !

[@cobracommander9138]

Me too. I started watching Valuetainment before he hit 100k subs. I took it at facevalue when he said he made his money running an insurance company. I found it interesting that he never pushed his insurance company and now I know why. He made his money scamming people in particular Latina women.

[@sir_carlos6907]

Thank you for this I’m in php now, I still believe in the model but this has open my eyes to things I need to make sure I’m paying attention to and learning I’ve already been big on knowing the product and learning but this has pointed to a lot of things I need to read up on and focus my time and energy

[@LIFE180]

Really understanding how IUL'S work is key. I have yet to meet a PHP agent who understands all of the nuances of how IUL'S work. I used to be the head of business development for NLG. Check out my IUL training playlist

[@titonothere6179]

Are you still there? Or did you move to FFL?

[@sir_carlos6907]

@@titonothere6179 I’m still at php

[@OmeroGuerrero]

Run! I have many former php agents that instantly 5x their income within the first few weeks.

[@titonothere6179]

@@OmeroGuerrero We got 20 + formal agents who came from PHP who are masking 100k in less then 2 years. PHP system they stole from WFG is out dated. FFL is the way!

[@Nogoodpoints]

How are guys selling life insurance to help people driving Lamborghinis? It's hilarious and preposterous, but this dude made coin on others joining in mass so I guess that's great?!

[@michaelgarcia2378]

Your content is excellent. I’ve been sharing with my team. When I left WFG to go independent I was able to explode to a multimillion dollar agency because my people started getting paid and being able to transition over full time. Helping the newest person succeed is the best way to build a business and places like WFG and PHP just don’t allow that. P.S. I had an understanding if IUL that 90%+ of agents don’t have and the more I’ve learned of whole life I’ve been definitely leaning more and more towards whole life for people since leaving WFG. But your channel, in particular breaking it down as a “trust me” product, has fully pushed my focus to whole life policies for wealth building. Wish I had started with WL and the liquidity it provides. Definitely would have helped a ton more than my IUL I started with. Although it cost me, good news is, I can share from experience. All about doing right for people.

[@callmegoods]

That’s interesting that you say that I’m happy for you but I would bet that some of the money that you used as capital to start your own agency came from WFG. 🤷🏿‍♂️ just saying if you really have an issue with how you made money or how you were paid at WFG how about first starting with I gave the money I earned back and then started my own agency! Js

[@evonnath2151]

Wait all of this is supposed to be done in 90 day?

[@marthagomez886]

I did php. I was at level three and I left. My ex husband still there and he has been working there for 4 years he is still broke.

[@carloszuniga7064]

😂😂

[@sonic-bb]

4 years and still broke? how tho? i dont really trust php. But what ur saying isnt adding up lol

[@joshuafootman1593]

What pat won't tell you is when you reach MD and you miss one of those meetings you are disqualified from trips, bonuses, and Equity!!

[@mrssvperez]

Wow. All that hard work down the drain.

[@bro.miguel2897]

Yes. I am with PHP and I really appreciated this video. I will be emailing Chris. Also, I have heard above the MD situation. I'm currently not building or working the business. I'm focusing more on other projects.

[@amelialu2ii]

Thats not true. Main thing is you have to buy your ticket to the next convention as the first thing to qualify for trips, bonuses, and equity.

[@joshuafootman1593]

@@amelialu2ii you don't understand what I'm saying , I clearly stated when you reach MD you cannot miss the big event and other meetings or you will forfeit your equity and trips I know this from personal experience with friend who is MD in Orlando

[@amelialu2ii]

@@joshuafootman1593 so youre the MD or your friend? And what meetings are you referring to? Because missing meetings doesnt exclude you.

[@robertboyd9024]

As a new agent .. one important detail that wasn’t explained in this video is you have to be a field associate for the income to be residual. Trainees and associates only get paid once (when they write the policy) and do not have residual benefits.

[@LIFE180]

That makes it even worse. Thanks for pointing that out!

[@robertboyd9024]

@@LIFE180 yes it is and they don’t tell you that part until new agent orientation

[@TheWholeDamnShow007]

WHO KEEPS IT>

[@necolyon]

Listen you just don’t make a lot of money in the start in every business and company you have to work you way up

[@AetasInsurance]

Do you have any video of Primerica’s compensation plan?

[@LIFE180]

I don't. Been looking for their marketing and comp plan. If anyone wants to share it with me, I will do some deeper research

[@bernadettep6428]

@@LIFE180I can share it with you! I have their com presentations

[@whitneyannee]

I work with php but they are non responsive and very terrible. I never felt like I was fully aware of what I was doing and it seemed as if they did not want to teach me. I later found out it's because they were getting paid off of me if I sold a policy. I have not been able to get in contact with anyone from there probably because I wrote my own policy. They were also not upfront about of the fees that are needed to go into the business which was not a problem because it takes money to make money but that should be a decision I could make before I put any money into it but my question is how would I become an independent contractor and get out of php because my license is being wasted.

[@LIFE180]

Sadly I hear this a lot

[@sonic-bb]

if you find out how, keep me updated

[@georgeessres8158]

So I just started with WFG and dissapointed with my manager or upline agent that hired me, I then recently disxovered PHP and now I'm watching this video which I appreciate you making it. However now I am really conflicted on who to go with or just stay with WFG for awhile to learn and start making income, any recomendations are values greatly, thank you in advance

[@LIFE180]

if you want to have a conversation about this, you can go to LIFE180.com and scroll to the bottom to set up an agent appointment. This is something new we have done based on this exact question you are posing.

[@josemoran1726]

Why is it so hard to find info about being a customer with php? That what i want to know. All i can find is working for them not using the actual service.

[@LIFE180]

Well, that's kind of what the problem is. My problem with them is that they are all about recruiting agent and that's what all their training is about. The sell an inferior product and because there is inferior training, I see more problems with PHP policies than anything else... literally multiple emailed to me almost every week....

[@jnina247]

Do you have a review on Primerica?

[@creandoyganando4105]

Hello i just got in to this industry where do you think or recommend me start in Wich company or insurance company should i start?

[@truefistofthenorthstar2044]

Thanx bro,I'm a new agent of PHP and I study the product on my own but yea they don't teach about the product thoroughly enough however as an aspiring entrepreneur everything is on us.

[@LIFE180]

Best of luck. Awesome you are doing that on your own!

[@LIFE180]

Check out lifeproductreview.com

[@emanuelpought8651]

From a business standpoint whether it’s PHP, Primerica, WFG or any other financial services brokerage firm the major VC firms and or major insurance institutions don’t have a problem it’s the people who will always find fault or something wrong with company. They talk about Jesus to. I say drown out the noise figure out what’s best for you and get to work.

[@AsadAhmadCPA]

Can you join PHP agency as an agent, get the info and inside scoop, leave and be independent"

[@LIFE180]

I suppose so...but why waste your time?

[@BelieveBeyondWealth]

you’re already independent

[@Youknowwhoin2024]

Big fan of all the valuable info on your page. A great form of value-tainment.

[@CesarMartinez-km4uk]

Thank you boss, Hey I have a 3 small business. painting, pool industry, and flip and fix (new business) What would you suggest to put my money at. roth IRA ? or what. I am currently reading "the power of 0" and I am getting a little confuse : / than you in advance.

[@LIFE180]

The power of zero has a lot of good elements to it. Where it goes wrong is the focus on IUL for the LIRP. IUL'S are bad...stay clear. For someone with a business, I would put it in whole life because you can keep 90% of the money you put in liquid beginning year 1, you get better guarantees, and you'll get 4-5% IRR longer term. And, you have access to that cash value to help your business, invest in flips, give hard money loans, or whatever else you want. Call Jeff on my team if you want to chat about it. Calendly.com/life180/claritycall No pressure either way, but he will give you some No pressure feedback.

[@honeysweetstuff67]

I wanted to make extra cash. THIS IS NOT THE WAY TO GO!! I appreciated the things I learned from the trainings in terms of mindset and the things capitalism can do. However!! These people are really brainwashed and you can see how much they believe in this, of course it’s good. But morally, this is incorrect in my opinion. Patrick is good at this and making something out of this. I see a lot of my people being targeted, very anxious and scared because they don’t have the numbers to go to the next level. That level of stress!! I did get an insurance policy, I am grateful for all that knowledge.

[@LIFE180]

Lots of good self development principles there, for sure. But building your life insurance agency? There are many better ways.

[@ricardopadayachee4379]

Hello Chris, really enjoying your videos so far , learning alot. Where could I get the full video of this comp plan ?..... or do you perhaps have a link to it ?

[@LIFE180]

That video has since been taken down...the link I had no longer works....sorry.

[@timbaze7202]

This just seems like a multi level marketing scheme I’ve had so many friends try to get me in them. I and it never fails Weatherby weight loss a traveling company they all I want you to bring in more people as opposed to just telling you how this weight loss product actually works or how this traveling agency or in this instance an insurance agency what are the benefits of that not recruiting. Ore people to make money

[@InspireMe819]

they paid these celebrities to sit and interview

[@DJnickels15]

Big facts. None of celebrities specialize in finances.

[@cobracommander9138]

The celebrities knew nothing about the company they didn't even know what the company sold.

[@rivervisuals444]

how else do you think that works?

[@TheOpinionSports]

But can the independent channel promote out offices and still override other agency offices that you promote out??

[@LIFE180]

Is this a serious question? Of course they can. If you are independent, you can get the largest contract if you are producing volume that would warrant expanding into a new area. You simply get the largest contract possible (say 150% if an IUL) and pay out 10 points less to the person running the new office. It's very simple....

[@TheOpinionSports]

@@LIFE180 but can you override 6 generations down. Remember in the WFG or PHP system when you promote out other offices you aren’t taking money out of those other offices pocket but the company pays let’s say 20% on what your first generation office does and it’s tapered down 2nd generation and so on. Obviously everyone with WFG or PHP won’t reach these levels but just saying.

[@LIFE180]

@@TheOpinionSports smh....if you have a similar master contract with the carriers that PHp has, you can design any comp plan you want. What to you think PHP is? PbD simply started by getting contracted with the right carriers and built his own comp plan.

[@TheOpinionSports]

@@LIFE180 The master contract is not what I asked and that’s not the point I’m making. What I’m asking is let’s say you started independent and I came in under you and then you showed me how to run my own office, once I was able to show someone how to run their office do you get an override off of the office I promote out?? You see cause in the PHP model if you promote me out and I run my own office let’s say for example that office generates 40k for the month well PHP would pay you whatever the % Pat bet David listed in the video. But the 40k my office generates does and the override you get did not come from my pocket.

[@LIFE180]

@@TheOpinionSports what I am saying is, if I had the main contract with the carrier and I recruited you, we could set up any sort of arrangement we wanted....yes

[@Jeff.Canaday]

Hey I love this, why do I love this Because I was about to sign up with them. But I now want to do life insurance on my own. Iam going to search how to do independent contracting life insurance..

[@BibleSamurai]

look up family first life. 100 percent comp day one

[@Jeff.Canaday]

@@BibleSamurai yes sir

[@Naebae699]

Hey did u learn to do independent contracting ?

[@Jeff.Canaday]

@Naomi I did some research on it and the best way is to start your own company but to be independent you just have to take the test, and get a few insurance companies to let you sell their insurance for a percent

[@Naebae699]

@@Jeff.Canaday I want to know more how could I message u ?

[@millzwhite8403]

My wife and I did make 10k in one month but with cancellations we owed 6k in debt to php

[@LIFE180]

Ouch. My guess is there wasn't a lot of product training for you and what you did make was probably not worth the time and energy

[@malievita]

Wait what? How can you be in debt and owe through cancellation?

[@gissellemadrid9930]

@@malievitaif client canceled policy before the policy it has been in place for a year. Agents get paid one year in advance, and obviously if the product is not in place all 12 month’s, there will be chargebacks. An agents job from the beginning is to make sure that their clients are fully aware of what they are committing to, and that it is a product that they can afford to maintain in the long run. Cancellations from clients lead to chargebacks when the agent doesn’t handle his/her business properly. This goes for every industry, if you don’t do your job right from the start something will come back to bite you.

[@jeffbell9391]

Patty doesn't talk about that,

[@edwardsanchez5304]

Me and my wife are starting agents in the Houston area anybody have good recommendations of other agencies to work for?

[@josinawilliams]

I’m in Houston also ! Equis Financial is great ! Let’s connect

[@Lisa-qg4xg]

They are honest if you don’t want to build and you only want to be a producer, this may not be the right structure for you. If you want to build and need a back end system and something already structured then are you saying this is wrong? If someone goes independent as you mentioned what type of start up, processes, etc would you need to do on your own? That seems like the scary part?

[@LIFE180]

You can work with an established agency that has infrastructure for you to work within and still have mentorship outside of PHP. And you can get a much higher commission in the process.

[@jeffreyhaynes5001]

Actually, Patrick announced a compensation model for people who only want to sell and not build a team. It is crazy good. PBD is one smart cookie.

[@xavierc3025]

@@LIFE180 where can I find that at ? I'm at PHP now and looking to do this the right away ! Please let me know

[@noeg6670]

@@jeffreyhaynes5001 I'd like to see this too

[@BlacRabbit-sd9xl]

@@xavierc3025hey which location do you work at? I just signed on PHP a week ago and honestly it don’t sit right with me. And they definitely push to recruit and I just want to understand what I’m selling. They focus more on them then teaching us how to get ready for the exam. Listen one broker at PHp sent me a KZbin video of a Broker instructor teaching Financial life insurance and how to pass. I’m Like WTF do I need to be here if I can basically KZbin it 🥴. I thought they train us.

[@claudemiemondesir3997]

So with this 30% or so commission, do you only get that after you’re licensed?

[@LIFE180]

Correct. You can't get compensation on any life products if you are not licensed.

[@Cjblamen]

Only after you get a license. To sell insurance you need a license wherever you go.

[@florgomez1524]

My agency starts you at 90% and you move up way faster ❤️

[@tiffanymurray8735]

@@florgomez1524 how much do agents make annually in your company

[@ralphdoggs]

@@florgomez1524 what is your agency?

[@chikagurl77712]

I agree the pay is low and I am finding this out the hard way. I have a potential client that has big savings looking for a policy. My upline couldn't close the deal so she had to get the office manager to try to close it. Now I am having to split the money with both of them if this guy closes. Very upset about the front end of this comp plan but I do like the idea of residual income and building teams. I am the kind of person who would give my down line more not less. If I am training or closing their deal I would do 50/50 or every 40/60 and I am getting the less. I want to sell life insurance but I also want a business that can run when I am sleeping. Is there a company out there like that?

[@LIFE180]

That's why I tell people that the WFG comp plan is full of more Moral Hazards than the US Government

[@theforce5191]

I don't he changed the industry, I was told he left WFG and made PHP. He pretty much took the WFG model and molded it to his liking.

[@LIFE180]

I heard he left WFG, as well....but I'm not going to argue with him about that. They certainly changed their culture from WFG. Some may think that's good, some bad....

[@karennyeley1063]

Molded to his convinience.

[@titonothere6179]

You mean he pulled a Ray Croc on WFG and he didn’t leave he got FIRED from WFG. Btw, if PHP is so great why are agents leaving PHP and heading to FFL in the thousands! Patrick lies outta of his teeth. He claimed to have 19k license agents but only 8k showed up to his big event and you know NOT all 8k are license agents. He’s so full of SHIT.

[@titonothere6179]

@@LIFE180 yeah WFG has actually leaders in that company. Patrick stole their business model and basically copied and pasted it. PHP is nothing but RAW RAW for social media.

[@titonothere6179]

@@karennyeley1063 exactly! He didn’t create shit all he did was copy and paste. And that’s what he trying to do now w/ his podcast. He’s trying to be too much like Joe Rogan. He’s copying Joe Rogans blue print.

[@theforce5191]

Do u have any WL videos where you teach how to structure it properly?

[@LIFE180]

I have many of them. 2 of my top videos are "how to properly structure a whole life policy " and "the 4 ways you can structure whole life insurance "

[@theforce5191]

@@LIFE180 awesome I'll check those out

[@lauroherrera3262]

Great breakdown bro!!. I agree with you 100000%

[@dionysgarcia8468]

Carriers pay from 100%-150%. It’s all based on production what they don’t tell you is that if you don’t sale enough insurance they will lower your commissions and fire you within 3 to 6 months. They need to pay people what they are worth and people need to go work and sale enough insurance to get their contract to 120-150% commissions.

[@LIFE180]

This is simply inaccurate information....

[@Wanderingsamurai_life]

FYI. When they recruit you, they advertise 50% commission and you dont see the real commission plan till after yoh pay the $200 to join... Its a complete bait and switch.

[@mrssvperez]

I saw the thumbnail and thinking Mr. Bean bulked up. I'm a little disappointed...lol. Seriously, I don't see how I can truly make money with them if everyone else above me is taking it. True MLM design.

[@TheOpinionSports]

How is everyone taking the money? If you build your team then your contract level will increase and anyone above you if you’re contract is above yours then they make no money on what you sell

[@mrssvperez]

@@TheOpinionSports I shouldn't have to build a team to get this increase. That's why I said it is an MLM design. There is too little payout for the large requirements of recruits that are expected to duplicate the process in such a small time frame. Focusing on obtaining quality clientele and serving them well produces stronger increase in the long run. Did you watch all of the video? The majority of your cut of actual sales/productivity goes to someone in a higher position.

[@TheOpinionSports]

@@mrssvperez I did watch the video and building a team will last longer income wise and in the long run a person will make more money than is sustainable than just selling with a higher contract level. No matter how high the contract if you aren’t selling you aren’t making money. When you build a team and agency when you aren’t selling you are still making money.

[@mrssvperez]

@@TheOpinionSports The time and effort that it takes to maintain said team will not trump quality clients that have the ability to multiply your book of business year after year. Remember that the "building" has an associated cost of potential lost opportunity. Not to mention the high turnover rates for the industry! Like I said, there isn't enough money to hold on to the team and the requirements are too high for this model to be sustainable long term.

[@TheOpinionSports]

@@mrssvperez if your building a team and producing you are gaining those quality clients at the same time. Just gaining clients alone will not sustain you because the renewals percentage goes down over time and you constantly have to make a new sell to keep your income up. If building a team is not sustainable then how come many people have done so and their income continues to go up year after year and they are barely writing business now?? If you build a solid team and train and develop people the right way they those people will train others hence that is how your team gets big. Sure there is a lot of turnover but let me ask you, you would honestly want to make 200-400k by your own efforts and finding clients over making that same amount of money passively where you didn’t have to write any business to achieve that same thing?

[@nellybelly1118]

If the new recruit’s %age was increased like you suggest, then there is no incentive for the recruiter to push their new recruit to provide their warm market. The recruit would keep their market to themselves until they have gotten licensed. Only then would they sell to their family and friends. And they wouldn’t build a team because they’re already making a decent income. It’s almost as if they believe there has to be some struggle in the beginning and if you show me you’re willing to “work” then I reward you with what you deserve.

[@joshuafootman1593]

I was in PHP based out of John Masons office in altamonte springs. They suck the life out of your warm leads( top 25 list) then you are left with recruiting a cold market. They want to split all the policies if they can with a broker. But going independent it what I decided was best for me

[@nellybelly1118]

@@joshuafootman1593 how’d you go about going independent? It’s finding leads that always trips me up because it always comes back to prospecting a cold market or buying leads (which I’ve heard can be pricey)

[@joshuafootman1593]

@@nellybelly1118 great question! When I left php I was referred to a IMO that helped me look back into my book of business and follow up with those clients and grabbed a host of new referrals!

[@bryantpagan1011]

I was in the same office, in fact, I was one of the first ones there’s before they moved to Altamonte. The people are amazing, I’ve made many friends, it was just the business that didn’t make sense. Then I moved to an IMO and got a 85% right from the start. Unfortunately I had to moved but I’m starting again where I live at.

[@rashekaz3942]

Hi! I am a new agent. Do you have any videos on how to become an independent agent?

[@sonic-bb]

did you find out how?

[@blackentrepreneurblueprint299]

Reach out to the carriers yourself and find out what commission structure they have. Many carriers will start you out at 90% to up to 115%. You can do this on your own and hire agents under you and pay them from your payout just like PHP is doing to you.

[@robmartin217]

Chris, What's your opinion on FFL?......

[@LIFE180]

Haven't looked into them much. Would need to look at compensation plan and product offerings

[@chrisrobbins3888]

Their products are not the best for the client. High commission, focused on expansion. Just like most IMOs.

[@TheWholeDamnShow007]

PATTY DIDNT disrupt anything he saw with WFG was doing AND COPIED them just like he copied Joe Rogans podcast format

[@LIFE180]

Yeah, PHP is a clone of WFG and a bad one (because WFG is bad). It sucks because I do like his podcast....lol.

[@necolyon]

If multi level marketing is not the way to go what should we do then continue a low paying day job that takes all your time and stuck in stress ???

[@LIFE180]

Do you really think it is an either or situation? Is this a serious comment?

[@tmvstevenbeaver]

Another GREAT Video that shows the truth Thank you

[@luis110613]

exactly i hate coming to php office, i rather things be propper and traditional, like back in the 80s i used to go with my mom to Amway and life insurance office with Transamerica Occidental life. coffee donuts 4 hr class then steak dinner with wives and kids at Clearmans Village at North Woods Inn.

[@nessanessa9346]

What of you get licensed though them and then want to quite and use your licensed somewhere else can they do that? What I. I agree with you on the pay it's not fair. How does someone get 90% of the compensation?

[@LIFE180]

There are many ways you can get better compensation. I can connect you with someone if you are interested.

[@juanhernandez-kg6id]

Yes you can that’s what I did now ! And even build an agency too with high compensation contract and vested my book of business day one . And get override from my other agents . Yes you can but like life180 say PHP it’s good at people telling , pump the people , telling histories and marketing .

[@heynursetherapist4663]

⁠@@LIFE180 How do I get connected with that individual ?

[@LIFE180]

@@heynursetherapist4663 email [e-mail]

[@titonothere6179]

Patrick didn’t disrupt shit! Teams in FFL make more in a year then Patrick’s whole company does In a year and FFL has only been around since 2013. And btw, FFL’s bread and butter is final expense NOT IUL’s!

[@MckensyLong]

Yea, what I wanna know is the chargebacks at FFL. Their policies have LONG surrenders, 2-3 years... then add in huge turn over in leads (selling over their own people... ie 2 people get a lead, the 2nd replaces the 1st policy from the same company)... plus final expense is already one of the worst as far as chargebacks. Id really like to see.

[@titonothere6179]

@@MckensyLong 👀👀

[@Jeff.Canaday]

Thank you bro

[@LIFE180]

Welcome

[@karennyeley1063]

You should send this video to Matt Sapaula. I would love to see his reaction. BTW, great job. 👍👏

[@LIFE180]

I'm sure all of them will see it. Not trying to be nasty with them. Just objective. I don't mind the idea of what they are doing as a whole... it's just the fact that uneducated agents selling IUL is super dangerous for the consumer and not paying new agents higher is kind of ridiculous

[@joshuafootman1593]

😂😂 I like the way you think , I call Matt the unicorn 🦄 because his income earnings are not realistic for others to duplicate

[@titonothere6179]

@@LIFE180 bro, they’re selling IUL’s to lower income families as a “ savings program “. I’ve seen IUL’s for $60 from these clowns.

[@LIFE180]

@@titonothere6179 that's not good....I'm working on more PFA, WFG and PHP content because I am getting more and more insight into what a train wreck it is in the USA with these companies selling IUL'S as financial literacy 🤯🤯🤯

[@titonothere6179]

@@LIFE180 it’s becoming problematic! And it started w/ WFG. PFA & PHP founders both came from WFG. Lol

[@abedaraia8360]

Thank you very much no body hit this level trust me

[@luis110613]

no training at all for policies only stronghand us on recruits

[@LIFE180]

Yep

[@adrienhenao3256]

Simply put, its an MLM company with insurance as the product. Yes it sucks when you’re first starting out and if you can make it to the top you’ll make a lot of money.

[@LIFE180]

There are other ways to do this with insurance that give just as much upside, but pay better when you are beginning....

[@robmartin217]

Seems the lack of agent training is prevalent throughout the industry.....obviously, like with any commission sales....

[@LIFE180]

Sadly, that is the case. Massive lack of training. That's my passion is to train and educate agents

[@miketakhar7296]

Do one on hgi please

[@LIFE180]

Shoot me over info to [e-mail] and I will

[@K4DL-]

This PHP guy reminds me of Benny Hinn

[@timothythompson4036]

I would never work for PHP. The turnover rate for new recruits must be enormous.

[@LIFE180]

Yeah, it's pretty horrible... that's why I launched our agency...to help agents who want better product and marketing training. Not everyone will succeed, obviously, but to have 93% of agents failing in first 3 years is just sad....

[@tian7772]

this is the worst comp plan in history , its confusing and not enough millionaires in this business ...smh

[@LIFE180]

It just has too much focus on creating millionaires. If they focused more on helping people succeed and stay in the business and actually make a living, ironically, they would create more millionaires with a more balanced comp plan...

[@robmartin217]

BTW......great video....

[@debbies9838]

You are right! Good for him! But are they truly helping others by educating everyone to have the best options.thank you

[@HumbleStudent-pt2qy]

I know what you are saying at 7:50 ... always got on my nerves also ... Often the agencies that provide marketing are affiliated with the carriers of lower value ..? Also called "pump and dump ..." get new agents all jacked up ... milk em for maybe 1 year ... they fall off ... rinse and repeat ...

[@fsudad6272]

PHP has helped 450,000 families with over 27,000 agents. Do the math. That's only 17 families per agent (rounding up) - since 2009? Typical marketing organization like this. Hard to make money that way. I too agree with the concept in general, but there are better ways to get into the Life Insurance business and do well. Just my opinion.

[@LIFE180]

Well said. It's funny how when you use some basic common sense deductive reasoning, you see the holes.... I LOVE this biz, but the PHP / WFG model isn't the way to go for 99% of people.

[@dionysgarcia8468]

The average agent with no experience running 30 to 40 appointments a week is making anywhere between $250K TO $1,000,000 a year. Guys get paid the right way.

[@LIFE180]

🤣🤣 okay...

[@ajochoa6216]

If an agency is offering 15% With a base salary (kinda low) And NO chargebacks... Is that fair?

[@LIFE180]

really depends on the base....the 15% is more like a bonus, not really a commission.... and no chargebacks is solid - especially with final expense type business.

[@ajochoa6216]

@@LIFE180 thanks for replying! Base is not much. It's like 15 an hour (32k per year) plus the 15%. They say you can made around 100k. I'm just wondering if I should be looking more for a straight commission opportunity with no base amd a higher percentage. 🤔

[@RaulRod-vj8ky]

Stay away from People Helping Patrick they are all hype. They dont teach what these policies are all about.

[@mattarmstrong1581]

I like to watch comparisons and critiques and yours is sometimes fair Having said that, you frequently admit you have not watched the entire video yet and it is as if you are watching it for the first time and have to provide lots of caveats about what you may speculate on

[@robmartin217]

Seems similar to Primerica.....focus on recruiting sales production and not product, agent training...

[@LIFE180]

Sadly....that's the case.

[@TheOpinionSports]

Unless your in their team meetings don’t assume they aren’t getting product training.

[@LIFE180]

@@TheOpinionSports I'm just going based on what I am hearing from people. Plus the lack of understanding on how IUL'S actually work with all of their moving parts is astounding to me. Everyone only knows and focuses on the positive sides, downplays the negative, and doesn't understand from a company's perspective why the negatives are so real.

[@DJnickels15]

@@LIFE180 mention cap rate to them and their minds go blank. They don't know what it is but it's in their IULs

[@haroldlebo2005]

I've never really liked Pat he just seems like a libertarian get-rich-quick self-help guru who only gives you half the picture and doesn't care what the end consequences would be to you. I used to do cold calling for DialAmerica and what they would do is pay you minimum wage then your commission

[@tvfish]

Instead of putting down another companies comp plan based on your knowledge of the industry you should sit down with Patrick Bet David and understand why its set the way it is. I'm not part of PHP but i do know that not knowing how a complan is setup and giving your opinion on it is like making a judgment on something with a sliver of information.

[@LIFE180]

It's not just the comp plan...it's what the comp plan is based off - selling Indexed Universal Life insurance and having a culture company full of agents that don't understand what they are selling...

[@tvfish]

You did a comp plan analysis not a product analysis or company analysis. Again making judgments based on sliver of information.

[@LIFE180]

@@tvfish not at all. The comp plan is based on the products they sell and the analysis of said comp plan is based on my understanding of MLM comp plans which is vast and my understanding of the Life Insurance industry which is also vast. I don't need to speak with PBD about why he did what he did with the plan...I get it. I creates fast growth and tons of results. However, it's at the expense of many clients due to the nature in how people progress through the comp plan. The culture is about recruiting, making money, flashing fancy cars, etc... it's sad because I love 98% of what PBD stands for. The the products PHP sells hurt people....(I used to be the Dir of Business Development for their top IUL carrier NLG) so I know.... and the focus on recruiting first before deep product understanding makes it far worse.

[@tvfish]

But thats to my point. You're taking your understanding of the mlm world comp plan and now how it works and applying your logic from your experience in the traditional insurance world to it. Of course it wouldn't make no sense. But thats why i said you should talk to PBD or atleast to someone in the industry and see what its like and so you would understand why the comp plan is set the way it is. It's like going to a new country and applying your culture in that country and wonder why everyone is weird and they make no sense. Two different styles of business in the same industry. One would not make sense to the other unless they understand.

[@LIFE180]

@@tvfish you say that. But here is what I know and this is NOT disputable. There is too much focus and incentive for recruiting too early. People don't understand nearly enough to sell yet. Moral hazards all over the place. I don't mind that being the case when you're selling hand creme or health products. But when you're dealing with someone's financial wellbeing, it's unacceptable. In addition, I have interviewed dozens of WFG and PHP current and former leaders to get more insight. They way he built the comp plan is absolutely the best way to build the company fast. But it's not the best if you truly care about serving people the best.

[@andrewdavidcourtney7665]

Great breakdown 👏🏼 I’m curious, do you have time to go over a comp plan I’m currently building for my company in Australia? Would love to go through it with you over a 10 minute zoom.

[@LIFE180]

Sure. Set up a call using calendly.com/chriskirkpatrick/life180

[@millzwhite8403]

Jason graziani is my brother in law Seen him twice in 6 years lol

[@LIFE180]

Sorry to hear that....

[@artman-hf4tx]

PHP people will watch this and STILL continue to get scammed

[@LIFE180]

Sadly...yes

[@jeffbell9391]

Patty you pay them ,and the great one ,patty name the teams he played for. Scamer patty.

[@robmartin217]

Primerica agent spoke of WL like the plague was absolutely idiotic....

[@LIFE180]

Primerica is a horrible company with expensive products for what you get...

[@robmartin217]

@@LIFE180 indeed....spoke to Primerica agent trying to recruit....he started out cordial....then I asked him about WL and IUL, he went into obnoxious attack mode.....

[@TheWholeDamnShow007]

WHY DOESNT PATTY PUT PHP ON ANY OF HIS SOCALS>? HELL PUT HES AN AUTHER OR EVEN OWNER OF A PRO TEAM BUT WONT PUT FOUNDER OF PHP. HE DOES THAT ON PURPOSE

[@LIFE180]

I have asked this question many times...

[@magic80588]

For those other agencies where you can start at a higher contract can you work part time?

[@LIFE180]

I can give you a handful of options. I'm not going to list them here in a public format, but if you wanted to email me, we can discuss.

[@chaunceyaskaboutme]

@@LIFE180 Hi are you able to share your options with me?

[@xavierc3025]

Hi Can you please let me know if I can join, I just joined PHP a week ago and I definitely watched this video and now convinced . How can I go work for independent or do it the right way?

[@edgarcanedo760]

This video proof we are our own worst enemy sad

[@Simonsaysboxing]

Technically 30% isn't bad when someone can come in with zero experience

[@LIFE180]

Is that a serious response? 30% is horrible. To add to the fact they need to split the deal with their upline who is already getting an override... Should NEVER start below 50% and you shouldn't need to buy your way up to a higher contract

[@karennyeley1063]

Simon, you must be joking.

[@connectwithva]

So you're saying that in your first sales job or even 9-5 corporate job, or even better when you started your own business, you were immediately promoted to making way more than what your skill level was? Ok. I'd love to know where you got your start in a career because let's face it, everyone has to learn the ropes and EARN their way to the top. Some people want to be handed the most when they have the least experience. SMH. I worked for over 20 years in corp HR and the financial sector and I had to constantly explain to people - promotions and rewards are for the top performers. Prove that you have it in you, you get rewarded. You're not entitled to get paid just for showing up. @@LIFE180

[@OscarLopez-sh3lo]

I like to let people talk who like to talk. It makes it easier to find out how full of sh*t they are.....🙊🙉🙈😂😂😂 -Jackie Chan

[@AmericanF.A.T.H.3.R]

There’s a lot you don’t know. Yet you are speaking about it. Don’t you think you should know far more than you do to speak about it?

[@LIFE180]

I know a lot more than I spoke about. If I let it rip with what I really know, it would be ugly

[@AmericanF.A.T.H.3.R]

@@LIFE180 Maybe so. However, you said a lot of, “I don’t know”. What does an Associate get for the 30%? Training; Help with completing the packets; Support from knowledgeable team members; etc. I did learn some things from this video though.

[@LIFE180]

@@AmericanF.A.T.H.3.R I agree...I was a bit passive with my wording. Truth is, I know much more and was using "i don't know" as a softening posture because I wanted to share truth, but didn't wanna get to aggressive with it. It was a tactical error. I won't do it again. This video was a long time ago.

[@abelrios1759]

thank u, this video was very helpful !!! ...I was about to sign with PHP cus friend of mine tell me about it , She pay 199$ to register with them plus her licensed fee and process BUT it was something inside me that doesn't convince me completely Also what I think about them is they are ambitious so SELFISH , the simple fact that the seller only get 50% after looking for people to sell Their products who knows how many rejections seller received till finally BINGO at least one for now!!!! definetly I DONT THINK It'S FAIR !!!!

[@magic80588]

Why do you keep saying we don’t train on the products! We teach on the products and have carriers train us directly as well… false claims

[@LIFE180]

Really? That's just sad if that's the case because I have literally spoken with 250+ agents personally and not 1 of them truly could explain all of the nuances of IUL'S...yet they are selling them left and right.... big time problem

[@maddicarlson4267]

False, I have talked to an agent and they can't really clarify anything for me. They say one thing and the website aays another.

[@K9xTRoN]

What hasn't been said is that if you aren't licensed and you aren't trained to write policies yourself... You still don't see ANY money until you're working on your own. If your upline doesn't push to get you trained to so things yourself then they're always gaining way more than just their percentage above you

[@LIFE180]

So what you're saying is that it's even worse than I am saying. Maybe I was trying to be too kind?

[@titonothere6179]

Bro, I don’t know how long you been w/ them but they got “Uplines” writing business with out a license. And I can proof it.

[@MandaChali]

@@LIFE180 This person doesn't know what they are talking about sadly. Yes you must have a license to make money. We're a highly regulated industry. You also must be properly trained. Too often people think because they can pass a test they know how to write a policy. We have a responsibility to be sure the client is in the best product suited for their needs. We have a hands on system to train our agents. Not every person is made the same. Maybe they got a bad apple, but I will certainly tell you that my agents and I have been trained well and continue to get better. (Side note: we're not a network marketing company. We're a financial marketing organization and we have multiple insurance products that we offer for our clients. It's not one size fits all but a customized solution we offer.)

[@LIFE180]

@@MandaChali I love these blanket statements. I believe you got into the business for the right reasons. I am not saying you have bad intentions. However, your response is generic and doesn't convince me. Let's face it, IUL is the main offering and recruiting is the main focus. The training you get on IUL'S is only the fluffy stuff that makes it seem amazing and sells it. I have yet to speak with a WFG agent that really understands how IUL'S function

[@ioterodiaz]

I think you need to look deeper before talk..

[@LIFE180]

I have looked plenty deep. It is what it is. The bottom line is your main product is IUL. Maybe you should look deeper into what you're selling... how much do you truly understand about it?

[@TRTS1]

First my friend let me explain something to you , you stated that someone sent you the video , the video was already uploaded on KZbin for everybody to watch this is not the actual Compensation Plan & if you really think that you're doing a good thing to show people this they can pull this up their self the actual Compensation Plan you won't never find out until the person is actually in the business but we do have a way of weeding out people who's not serious . And we do have ongoing training extensively on how all products works & we do not allow nobody to go out in the field unless they're certified & license & we make sure that they know what they're talkin about when we are dealing with clients retirement plans & everything else for that client . Instead of talking about PHP agency & World Financial Group , want you show your Compensation Plan❗

[@LIFE180]

I don't have a compensation plan because I don't have anything to offer anybody. I just know that the products and the comp plan offered by PHP and WFG have a ton of moral hazards built into them. I even had a SMD call me the other day who told me it is worse than I say....

[@TRTS1]

@@LIFE180 I truly find it very hard to believe that somebody like you has nothing to offer in your statement butt is so hard on talking about other businesses that you have no clue or idea about you so that makes you a very sad person that has nothing else better to do with their time do something like this I'll pray for you my brother cuz you need help

[@LIFE180]

@@TRTS1 what I have in this is a passion for the industry and what life insurance can do for people when done the right way. I used to be the head of Business Development for your main IUL carrier and I know more about how those products work that anyone in PHP - 8 years ago, I would have been the one training you. But when I realized what the purpose was of the product for the insurance company, I could no longer be associated with it....so I left a pretty high position job on principle. I believe your business model and the products sales tactics will ultimately wind up with massive regulation that will hurt the industry- even the people who do it the right way because regulators lump all perm insurance together... That's why I do what I do with WFH and PHP. You can take it how you want, but that's the deal.

[@LIFE180]

@@TRTS1 in addition, I would say that because of all this, I am working on a project that will help agents and potential clients....but for the past 5 years, I have had legitimately nothing to offer except for coaching for agents. That'll all change soon enough.

[@karennyeley1063]

@@LIFE180... And all php agents act this way. They defend this scam to death. 🤣🤣🤣

[@crownedgorillaz4921]

Your opinion isn't fact.

[@LIFE180]

There are plenty of things I have an opinion on that I will certainly acknowledge are not fact. But, the math involved in the PHP comp plan is absurd.

[@karennyeley1063]

@@LIFE180, numbers never lie. Only php agents defend this scam of a company

[@kevinnaidu8789]

Your argument is based mostly around the complan & is pretty weak.

[@LIFE180]

Explain how it is weak?

[@karennyeley1063]

@@LIFE180, see. I told you. These php agents are so brainwashed. 🤣🤣🤣

[@NFSG2]

What I found here is you just hate network marketing! Maybe you are right about percentage I’m not sure but you know nothing about network marketing! That’s the price everyone pays for system and help and it’s equal for everyone, if you want to just be an incurance agains good for you at end you are a sell person and you just sell like any other sell person, real estate, car , incurance, whatever! Go sell and get all the money, but if you want to build a business and you want someone and a system help you and be with you no matter in PHP or any other company you share some profits and learn and use the system

[@LIFE180]

I hate network marketing? Hate to tell you this, but I LOVE network marketing. My mentor is a top all-time income earner with Amway and I have a company that consults with MLM's. A little education for ya...life insurance companies are the original MLM's. You don't need to be part of PHP or WFG to build an agency. That's the lie in these companies. Not to mention the product PHP sells is the most miss sold product in the financial industry. I know this because I used to be the Dir of Biz Development for National Life Group... I know a bit about their products.... I am good with sharing profits for mentorship. Starting people off at 30% is criminal. Then splitting those cases WHILE ALSO earning an override is criminal. Forcing people to recruit 3 people before they can get a significant raise in comp is also criminal. Should I continue? You can build a good biz without needing to endure any of that. The greatest need is to have agents be in business 3 years in. This model makes it more difficult than it already is. That's why the PHP failure rate is as high as it is. But that is also why they do the comp the way they do. If you fail, your renewal commission stays and they own it - not you. Learn some more about the industry and me before you come at me with this garbage ;-)

[@jeffreyhaynes5001]

Actually, what he does not show is the criteria for a 50% contract was lowered from 15/15/15 to 10/10/10. Furthermore, Patrick announces discounts for 50% and 60% contracts. I have seen 50% contracts at 5/5/5 (I personally got that one) and 2/2. Furthermore, I saw 60% contracts at 4/4/4 and many took advantage of it. So, if a person seriously want to succeed and make money while helping families, PHP Agency is an outstanding way to do it!!! I am retired USAF, and I am so glad I found this opportunity. I get to help people and put money back into the community. Now, I do agree agents need to learn the products they sell. I also believe the onus is on us to use the resources available to learn them i.e, the carrier, Internet, our trainers and our upline. It is our duty as independent contractors to learn the technical aspect of our professional. A professional understands there is general and specialized knowledge in a profession one must attain to be considered a professional. And it takes time to learn the information. But who is responsible for ensuring we learn it? We the agent!

[@LIFE180]

@@jeffreyhaynes5001 I used to be the Dir of Business Development for National Life Group. If you truly learn those products, you won't sell them the way PHP tries to sell them....

[@kingektor9595]

@@jeffreyhaynes5001 They lower the bar to have bunch of directors that dont know the products they sell? PHP don't care about people licenses nor education/knowledge, very dangerous.

[@ibrothagoat]

What your saying is wrong

[@LIFE180]

How? That's a hilarious statement to me

[@twinkiemp]

*you're

[@darrenmorgan68]

Just a few months after you did this video, PHP was acquired by Integrity Life. I guess their analysis of the quality of the company was different than yours. LOL I guess your due diligence came to a different conclusion. (Never heard of PHP until now. But your bias is uninformed and laughable.) I've learned so much from your other videos. But your jealousy and negativity really comes through on these compensation analysis videos.

[@LIFE180]

Smh....Integrity Life saw a cash cow opportunity because of the burn and churn internal consumption model. That's it. There is no Jealousy involved in these... just frustration because of how they are hurting the industry. If you sense anything, it's anger.

[@callmegoods]

As a current agent of PHP I can tell you that what you’re saying is false. Not only do I recruit but the company has modules that teach the product, there are 2-3 classes for training every week that teach the products, and there’s this little thing called KZbin that teaches general information on all of these products. It’s extremely misleading to use a video that specifically talks about compensation plan to tell people to explain away a companies system for training their agents.

[@LIFE180]

Cool story. Make a video for me explaining how IUL'S work. Let's see how well their training is doing. I've spoken to literally HUNDREDS of PHP and WFG agents. None of them can articulate how IUL actually works. They are really well trained on the hyped up sales points of them, however.

[@callmegoods]

@@LIFE180 sorry to tell you but I actually have used your videos to explain how IULs work I’ve also used PHP’s training and I recently did an interview with a guy who does Forex and uses IULs to make big purchases. Full disclosure I’m not an expert, nowhere near it, I’m just trusting that the information you give the information, they give me and any information I get from others are all consistent and true. So if they’re not I have you PHP and everyone else to blame i hope you’re OK with me taking that stance.

[@callmegoods]

@@LIFE180 I also want to say that your video on the dangers of IULs is what stopped me from getting into a bad IUL late last year and what put me on my path to learn about them and ultimately join up with a guy at PHP who specifically told me not to get an IUL unless I had enough money to cover the policy along with his fees. I only say that to say I appreciate your content

[@tommiumu6234]

still with PHP? Have some questions if you have time 🙏🏼

[@tommiumu6234]

@callmegoods

[@smj2391]

What an Absolute Joke!!!

[@LIFE180]

What, PHP or my video?

[@Beeks103]

If you don’t recruit, who are you going serve? This guy has a weak argument!

[@LIFE180]

Is this a serious comment??? lolol. How about serve actual clients without the guise of recruiting them? You know, like every other legitimate agency.... That said, I have no problem with recruiting new agents IF you are 100% capable of supporting them with product and sales education PERSONALLY. 99% of the time, that is NOT the case with PHP or WFG agents.

[@karennyeley1063]

Beeks, how low is your IQ?