My Thoughts on the PHP Agency (People Helping People)

People Helping People or PHP is a network marketing organization that sells financial services - mainly Indexed Universal Life Insurance. In summary, I love the mission of the company and believe what they are trying to accomplish. However, I think the model they are using to help people is flawed.
🔎 Resources 👇
Watch This ► • Life Insurance - as an...
Course ► www.cashflowhacking.com
💥Set up a call to discuss your finances or life insurance business💥
calendly.com/_life180/clarity...
🔔 SUBSCRIBE TO LIFE180 ON KZbin 👇
/ @life180
🔔 JOIN THIS CHANNEL TO GET ACCESS TO PERKS 👇
/ @life180
Amazing tools to build your business:
life180.com/ActiveCampaign
life180.com/ClickFunnels
life180.com/Dubb
life180.com/Canva
▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
0:00 Our opinion on the PHP Agency and CEO Patrick Bet David
1:30 PHP Agency is simply an insurance company
5:50 Quit focusing on selling insurance and recruiting and start serving
▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
💥FOLLOW CHRIS ON SOCIAL MEDIA 👇
SOCIAL LINKS ► y.at/💵💵🏆💵💵
LinkedIn ► / ckirkpatrick13
Facebook ► / life180llc
Instagram ► / realchriskirkpatrick
TikTok ► / realchriskirkpatrick
▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
🤔 ABOUT LIFE180 😃
Chris Kirkpatrick launched LIFE180 as a solution to a problem. As the director of business development for a Fortune 1000 life insurance / broker dealer, he became disenchanted with the financial industry because of the lack of education provided to clients and how "financial advisors" were really just glorified sales people.
So... LIFE180 was launched to help give relevant financial education for people to create wealth. Along the journey, LIFE180 has evolved. Chris quickly realized he was passionate about not just helping entrepreneurs on how to leverage their money, but how to build their businesses.
Over the past 5 years, Chris has spent thousands of hours mastering the art of online business development for himself and clients. In 2020, LIFE180 morphed into a full service online business launch and development agency. If you need any help creating more revenue or generating more leads online, LIFE180 can help.
calendly.com/_life180/clarity...
▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
If you found this video valuable, give it a like.
If you know someone who needs to see it, share it.
Leave a comment below with your thoughts and questions.
Add it to a playlist if you want to watch it later.
*All content in this video is for educational purposes only and is not to be interpreted as personal financial advice.
#LIFE180 #CashFlowHacking #CashFlowHacker #ChrisKirkpatrick

[@LIFE180]

What are some ways to create cash flow outside of wall street? Comment below! Learn How to use Whole Life Insurance As A Cash Flow Investment: kzbin.info/www/bejne/fnWyg5V-htaCgqM Let's discuss your finances or life insurance business - click on the scheduling link in the description.

[@LuckyGirlEssence]

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

[@LIFE180]

Glad the video helped. Thanks for the feedback!

[@user-eb2ii3lx7e]

I think or unless i missed it you needed to say this is a different take on the industry the captive companies use a similar structure with incentives and bonuses .i worked for aig captive side the commission was 70 but with bonus and other things in the contract it was over 💯. The captive side closed and now it brokerage side. So thats all im saying someo e always make more . If i hire other agents i pay them alittle less .so that php is not for you as well as wfg primerica .thats all I m saying

[@LIFE180]

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

[@lifeandlibertycrew1906]

This video is making points without actual knowledge. This is painful, with all due respect and speaking from ignorance. Are you watching material for clients and agents? They are different. I have worked in different companies and around different companies and agents. PHP Agency has the highest ethical practices and standards. We have Robert Kurzner on our board, the former President and CEO of LIMRA and LOMA. We have the former COO of Pacific Life as our COO. We had a semi-retired former head of sales development from AIG and Edward Jones assist in sales manual. You can get licensed, but you are going to to go out write business until you are certified. We have a training program. The broker determines if you are fit to run appointments and write business. There are multiple layers of checks before an app is submitted to the carrier. There is a careful and deliberate process that ensures each policy and person is treated with care. We start with education and a budget and don’t just write policies or sell insurance. We also say no and have people learn how to save money first. We also have a law group that assists clients with debt settlements. Yes, IUL’s can be done wrong. This isn’t a one size fits all. We don’t push one type of insurance, but have a careful approach. We do a budget and financial analysis to create a plan that assists each client according to their needs. We represent 34 of the top A rated financial services carriers. We write good business. We have over 16,000 agents. We are opening new offices accords the USA because their is a low cost to start and we have eliminated many of the barriers that stop the average person from being able to have a successful agency. PHP Agency is similar to Keller Williams, Century 21 and NY Life. We are not MLM, there is a split of commission over 7 people potentially. However, the person doing the work and/or generating the client are in the best position to earn for a policy written. This isn’t like MLM with endless levels, where you have to buy something. We don’t get paid when someone joins PHP. We get paid when we write policies, just like most agents. PHP Agency has taken the best from each business model and combined them to create a very efficient, low overhead, low cost, sleek business that can grow exponentially and quickly. You get a license and get certified and you can produce. You pay for your licensing and you own your license and book of business. You can build as many offices as your are able to and as fast as you are able to and we work as a team. So, the person who is an expert with writing insurance is given the task of presenting and writing a policy. It’s not random free-for-all. We are like a sleek, well oiled, fine-tuned race car.

[@LIFE180]

@@lifeandlibertycrew1906 fair enough. I can respect that's where you are coming from. If you're a broker, I hope that's how you run your business. However, the recruiting tactics we have experienced would say otherwise.... Plus, in my opinion, selling IUL as an investment is dangerous. MLM and Network Marketing are the same. You just divide it in your understanding. You don't need to buy products in MLM. You simply need to recruit to be successful. It just happens to be that most companies have products. But not all do. Question for you...? What is the starting commission payout percentage for a new agent? Do you have a copy of the comp plan? If I am wrong on this, I'm happy to admit it. I'm simply going on what I have experienced to this point based on mine and Caleb's experience. Like all companies, I am not saying there are not good people in PHP. But please tell me comp plan and what you sell aside from IUL and Term?

[@LIFE180]

@@lifeandlibertycrew1906 I would also ask, what point specifically were painful?

[@ifnothingchanges7846]

LIFE180 well said, .....did they send you comp plan?.

[@LIFE180]

@@ifnothingchanges7846 I have yet to see anything....

[@thyslop1737]

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

[@MrPalfonso]

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

[@QberEatz]

Great video. BUT, PHP is not an insurance company full of insurance agents. Their products and services include 401k rollover, Annuities, Long term care, and Debt Settlement as well. That’s why they are considered a Financial Marketing organization. Yes, everyone who joins gets trained to become licensed in Life insurance. Now the policies they offer include Term, Whole life, and Universal whereas some of their competitors only offer term. They’re big on educating people on financial literacy, team building, and personal development.

[@HazardonerFTR]

Stop drinking the kool aid

[@gatopirata8582]

Every financial co offer those services n differnt type of ins - the question is how reliable are these ins companies -including delivery time n services - are they on the top 10 companies ?

[@gatopirata8582]

@@HazardonerFTR 🤣😂🤣😂

[@ask-mw5hk]

They are losers.

[@TheOpinionSports]

Gato Pirata PHP does not have its own ins products they work with other companies

[@fmaforlife3964]

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

[@sonic-bb]

thats similar to what happened with me. the peeps that recruited me are pretty cool. But the people above them are so focused on trying to get me to recruit friends and family... and they were trying so hard to pass it off as training lol. And frustrated that i havent been trying to recruit people to end up on their "fast track" training. Like, i just want to sell life insurance bro. I'm not really sure how to politely leave. so ive just been chillin with them. are you still in php?

[@elcocaino8728]

​@@sonic-bb lmao 😂politely leave

[@haleychapman4447]

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

[@LIFE180]

Anyone making the comment outright with no significant qualifiers that IUL is better than Roths is putting their license on the line... regulators hate that stuff.

[@haleychapman4447]

@@LIFE180 I hope this is helpful! kzbin.info/www/bejne/nZzGgoaKjLCoaZI kzbin.info/www/bejne/h321ioWopMqFoM0 kzbin.info/www/bejne/h3WXhqBjoJaBea8 Videos about the company kzbin.info/www/bejne/aYmVemt6YrCmbtE kzbin.info/www/bejne/hmHUmmCvrJyLpZY kzbin.info/www/bejne/anK6eXaCbN6Ggbc kzbin.info/www/bejne/eoTOpJh9iJWbbdU

[@LIFE180]

Haley, I am not a fan of Doug Andrew... or Dave. Doug sells IUL in a very dangerous manor. He doesn't even have his license after a class action lawsuit against him from over 60,000 IUL policy holders...

[@haleychapman4447]

@@LIFE180 wow! I am very glad I found your video! I'm gonna hold off on any next steps because after reading and watching your videos and everyone else's my mind feels like jello. 🤯

[@titonothere6179]

@@LIFE180 that’s if they even have a license. They’re known to see w/ a license

[@KeyAir]

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

[@LasagnaLover9]

I just joined how has it been for you so far?

[@Jussablaze]

how is it?

[@KeyAir]

@@Jussablaze I switched to Freedom Equity Group it's better.

[@joshuafootman1593]

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

[@LIFE180]

Thanks, Joshua. Hope you’re practice is booming and you are helping tons of people in need!

[@chrisa.9977]

Right! So outside of the entrepreneurial features or benefits of insurance and financial services, to be more descriptive of the task and how you make money, It’s recruit and sell. Recruiting is the biggest way to make money (due to being in MLM). Recruit and utilize your recruits’ warm market, and so on .. the sale comes from the warm market and recruits. That’s the cycle.

[@LIFE180]

@@chrisa.9977 Were you in or are you in PHP?

[@lifeandlibertycrew1906]

Hi Joshua, it sounds like you didn’t really understand the system. It’s not the Joshua Footman system. It’s the PHP System. Maybe, your trainer wasn’t able to spend as much time with you or maybe your trainer was waiting for you to set some appointments to work with you. But maybe you were too busy reading and not actually applying. You learn our system by applying, not just reading or sitting in a classroom. Tuesday and Saturday trainings are more general trainings. You get hands on training by actually going out and prospecting and having appointments run that you get shadow and like an apprentice eventually run. The point of recruiting is not just to recruit. It’s to generate clients. This is a great mentor-ship and training program. You learn from real world application with a trainer and not just reading a text book.

[@lifeandlibertycrew1906]

Chris A. It’s not MLM, it works like any broker agent model with the commission being split down a few more times.

[@juanzapata7701]

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

[@LIFE180]

Sadly true....

[@chrisa.9977]

Yup, sure does.

[@lifeandlibertycrew1906]

What is MLM?

[@LIFE180]

@@lifeandlibertycrew1906 multi level marketing. Also known as network marketing.

[@juanzapata1913]

@@xceedU What kind of company are they then?

[@nathanbarragan2367]

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

[@LIFE180]

I can respect your position, but a culture of self development isn't enough in the financial space. You have an obligation as a company to train your agents and build a culture on product education and proper uses instead of recruiting and self development. They don't because if people really learned about IUL and how it really works, they couldn't sell it like they do.

[@karennyeley1063]

@@LIFE180 well said🙏

[@topazdenoise3288]

@@LIFE180 Great response!

[@LasagnaLover9]

How has Php been for you so far I just joined?

[@jerbear7952]

Dude you didn't do any research if you decided on them. They offer nothing any other IMO or FMO can't offer. Their comps are terrible. Their training is terrible. Their ethics are terrible. Even for a pyramid based IMO they are bottom of the barrel.

[@str8ttruthnochaser311]

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

[@LasagnaLover9]

Hey how has it been so far?

[@TheKenpump]

This information is so good to know

[@insanevictor]

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

[@davidwilkerson3410]

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

[@karennyeley1063]

No recruiting new agents involved?

[@gatopirata8582]

@@karennyeley1063 all noght long - this is the main purpose - no leads bring ur own -

[@dianayate03]

The only people that do well in PHP are those on top. In my experience all the trainings i ever attended were about how my uplines made so much money they got the car of the year and an expensive Hawaii trip. They make many promises they never delivered. They told me I was going to get started at 50% commission when in fact was 30% they told me to sell to all my friends an family but guess what. I brought them my family and sold many policies that i didn't get paid because they failed to informed me that i don't get paid out of family members. How was i supposed to know that? Then they said don't worry go recruit someone and do to them what we just did to you. (Those who repeat the cycle without care do well) They lie lie lie is what they train you to be a professional liar.

[@gatopirata8582]

@@dianayate03 u should write. Complaint to the FTC specially if thy suck money of u - bet u , u didnt read the contract u signed with them - what office were u recluted at?

[@dianayate03]

@@gatopirata8582 i didn't because they have such a well designed scheme. I was presented the opportunity by a friend who i trusted so the hiring director signed the contract for me. All I was thinking was that i must be in a good company because my friend is in the same company. They do this all the time they leverage the trust you have in friends

[@EllieM_Travels]

I agree 100% that the financial services industry is not a good match with network marketing. I’m with an investment firm that services agencies in managing their clients’ IUL’s and those plans need to be treated with expertise and special care. Great video!

[@InsuranceandEstates]

Right on guys, Patrick is a baller and yet when it comes to whole life and even IULs it’s all about the coaching and expertise. Also, you’re correct those company choices offer a few question marks, particularly concerning high cash value whole life (properly designed). That said Mutual of Omaha is offering a competitive IUL, not only term, according to our IUL expert who does this the right way. Thanks for posting.

[@LIFE180]

Mutual of Omaha has the lowest COI I have seen in an IUL and I do like the fact that it is very basic with no engineered indexes and no multipliers or any other widget. So from that angle, it is good. However, to me, I am still going with whole life over IUL every time because of the facts that while IUL may have just a little upside "potentially" to whole life in the long run, the downside risk is far too high....

[@InsuranceandEstates]

@@LIFE180 totally agree 👍🏻

[@culturalredemptioncenter]

how do we know your process is in place?sounds like jealousy to me

[@LIFE180]

Haha. I'm not jealous at all. What exactly did I say that sounded like jealousy? 🤔🤔

[@jamelspencer4448]

Sosene my point exactly. And they're claiming to be licensed Agent but dragging another company? How many reputable fortune 500 life insurance companies they can connect thier clients with? And what's the best options for clients seeking affordable premiums?

[@susanaangulo7325]

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

[@LIFE180]

That is the most deceptive business practice I could imagine in this industry if that indeed is the case....

[@jvazquez3727]

thats with any business! Selling insurance is not difficult because some people want to make it seem difficult. Anyone with education that are willing to learn can do it.

[@TheWholeDamnShow007]

Even tho they use WFG training material

[@jbevolve2023]

Great video, thanks for the insight...I have very limited sales experience but PHP's pitch comes off kinda scammy.

[@deandrethaniel2353]

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

[@LIFE180]

Easy to say....harder to prove

[@deandrethaniel2353]

@@LIFE180 I can literally send you my information, seriously. I’ve been with the company for about three years now. I’m licensed in the state of Maryland & We have a office located in Calverton MD.

[@deandrethaniel2353]

@@LIFE180 Thank you for responding by the way I truly love your videos. Very educational.

[@LIFE180]

@deandrethaniel2353 honestly, I would love to see it. The challenge I have is that the training is very narrow from what I have seen (and I have seen a lot). If there are groups/teams doing it better, I am game to give credit where credit is due. [e-mail] is my email if you ever want to send me anything for any reason.

[@RVADrummer]

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

[@lifeandlibertycrew1906]

It’s about building agencies, we don’t earn income from Recruting. We earn income like a broker in real estate. They sell homes and find agents to sell for them. We write financial products and find agent to work with us. It’s not really an MLM, and people get that wrong all the time.

[@infinteuniverse]

@@lifeandlibertycrew1906 how the fuck are you supposed to be the leader of a team if you don't know jack shit about the financial industry? You're telling me that some beginner is going to learn everything there is to know about insurance policies, investment policies etc... learn how to be a good salesman, learn how to recruit and manage people all at the same time and become a millionaire in 1 year? Fuck outta here with the delusional stories your recruiters force fed you. It's easily 1 year for learening EACH thing I listed. People just get suckered into things that seem easy.

[@kelvinhicks1082]

Everybody saying they losing money and all the cons but don’t go into detail interesting

[@omarhernandez880]

You should make a second video with our CDO Matt Saupala... BTW anybody can look up your license in any state. If you actually want truth unless you have another agenda.

[@LIFE180]

Yeah, I am aware anyone can look up licenses. Once again, it's been several years since I have been licenced. My business shifted to helping entrepreneurs, real estate agents, and life agents build their business online. I'm learning about PHP because I am still very passionate about the industry and have had several people ask me about it who I am helping along with the fact I keep getting recruited.

[@gatopirata8582]

All comes to bringing more people n more people that is how u move on the ranks - or u r going to denied - that is how u r promised more money - u get a cut of what yhey produce n go on - so if u dont have that network u will not get too far - n u better know how to sale - n the main market , the Hispanic community

[@LIFE180]

Hey Omar, I am confused. Look up my license. I have nothing to hide. I am not licensed anywhere any longer. I have not interest in selling life insurance anymore. My main focus is helping entrepreneurs build their businesses online. I do work with some financial services clients, but only to help them build their agencies. My main concern is always the type of training people are getting. My background is in training agents. I have a deep passion for life insurance as an asset. I believe every entrepreneur should leverage it as a tool. I also believe it is massively misunderstood and incorrectly sold because of very poor training in the industry.

[@TheWholeDamnShow007]

apps.ilsos.gov/adminactionssearch/adminactionssearch?command=viewPDF&itemId=92+3+ICM7+PRODCMZ13+SE_AA_MgtView59+26+A1001001A13A07B02823B1786418+A13A07B02823B178641+14+1051 Did your CDO ever tell you about his license getting revoked?! Anyone can look up this information. Ya’ll are being led by frauds that includes Patrick he’s a con artist. Mfer is too smooth to be trusted.

[@A-BList]

If you don't like the products that are available in the market how is that the fault of PHP?

[@LIFE180]

I don't understand the question / comment? I don't like the products they use...there are plenty of products I like.

[@ryancooke1981]

Signed on with recruiter out of california telling me id have support in orlando. Respected Patrick Bet David. Never heard from anyone in 2 weeks after signing on. I am even licensed already. Refunded my fee and moving on.

[@LIFE180]

Sorry you had that experience... We will be hosting a live event in Orlando April 8-10

[@Roger-il8iw]

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

[@bphillips87]

I'm still new and haven't licensed yet. The people coaching me told me that you can sell a debt consolidation program to people and make money.

[@LIFE180]

Please share with me when you find out more information. Would be curious to see what that looks like. There is certainly a need if it is good. I hope they do, in fact have one.

[@janndeguitos9115]

@@LIFE180 the debt solutions program works like this: They work with a company called Mediator Debt Solutions for any credit or student loan debt. MDS will either resolve the debt or renegotiate it to where it is lower. At that point the client will make monthly payments to MDS for a certain period of time.

[@janndeguitos9115]

@@LIFE180 I've spoken with a friend, and he says that companies like MDS help with debt by constantly sending letters to the creditors to work with the debt

[@SlimNubster]

Have you guys made a video like this about Primerica? I'd be interested to hear your thoughts on them.

[@SalNiner]

Good info

[@nicolehenderson2509]

Can you do a video on PFA PREMIER FINANCIAL ALLIANCE? Iv been in insurance for 3 years and still can’t seem to find a great company to put my heart into! Why does it take so long just to find a company to sell for?

[@LIFE180]

I'm working on that one already. They sell primarily National Life Group so it'll be easy. What do you want your focus to be in the business?

[@nessanessa9346]

Do you have any update of php.? I was reached out to do this and I'm making sure I do my research before I make a decision.

[@LIFE180]

Working on a video now... but yes

[@LIFE180]

If you want to chat, set up a call using this link: Calendly.com/chriskirkpatrick/life180

[@jennyo8390]

Honestly I read a comment earlier that they did her training but didn’t really help her, honestly depends your coach and team. I just recently joined PHP and any questions I have they show me and guide me

[@DontFuckWitDreDay]

I'm more of Python person but PHP is good I guess hmmm 😂

[@jodieryan9183]

I had an interesting venture in PHP. Ultimately, I didn’t buy the lie, how would you recommend talking to a friend or friends still in the agency that you want to help leave the model?

[@LIFE180]

Honestly, i would focus on the product side first and get them to really educate themselves about IUL... then get them to realize that the comp plan is horrible, super top heavy and full of moral hazards....

[@infinteuniverse]

Let them live and learn. Nothing to be done if your friends are brainwashed from the nerve endings of their toes all the way to the top most brain cell.

[@willow-wf3jf]

Just curious... was advised by this group that I could work for them, generate my own leads (by going out to random places), then I would not learn to go through the final stages of selling the product (at first) but pass off the customers to the person good at finalizing the sale familiar with all the paperwork, etc, and then I would only get 30% of the commission at first. Is this typical? I would think with such a low, low commission, I'd at least be given leads. Could you suggest a good agency to start with?

[@LIFE180]

Email me [e-mail] I can connect you with someone to talk with

[@briannahamilton5973]

If you want more information on the insurance companies I'm happy to give you the information because some of what you said is incorrect. We do not sell life insurance to settle debt problems. I'm guessing the reason why PHP doesn't put out the debt and legal solutions is because its more of a referral service. We partner with LegalShield and Mediator. I dealt with being a captive agent and I have learned more from PHP then I did at my captive agent. I think if y'all want to speak about PHP you should have reached out to someone at PHP to find out what we actually do and how we actually do it. And having people have bad experiences is a problem in any business not just MLM. There are shady people in any business, thats why doctors have malpractice insurance. And you can lose your insurance agent in any agency, especially if that agency has quotas.

[@gatopirata8582]

We alteady know !- its about recruiting some people getting ur license , buy their insurance ,sell it to the one you recluted so can get some, attending their pretending seminar, cough 300 more the accomodations - instead of helping them to get the license, n trainig first !!

[@infinteuniverse]

@Brianna Hamilton, update? Are you a millionaire yet?

[@tracyaymond9347]

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

[@marciaozeki4644]

I agree with you Tracy!

[@infinteuniverse]

"employee" that's the buzzword PHP uses. No one wants to be an "employee" god forbid it.

[@asawynn85]

Are you still with the agency?

[@topazdenoise3288]

This is a PHP agent who benefits from recruiting more agents. Obviously he's going to speak about them positively

[@lop3z-945]

I’ve had my personal experience with this company, not a great company. However it is possible to become successful no doubt but the success rate is a mere 1 percent. You cannot grow in the company if you don’t recruit, you comp will stay at 30 percent if all you want to do is sell insurance.

[@alehdixie]

PHP have amazing coaches. Some come from the financial and business industry who have experience to create plans for small business and clients who make 6 fig income with tax deductions that some CPA are not aware. PHP also has a debt consolidation program. As I mentioned there are very few who have this background and license in PHP. Other than selling Insurance agents also get pay by referring clients to this programs.

[@dennishowland7495]

He’s a terrific salesman.

[@haroldlebo2005]

I guess you have to ask yourself what separates PHP from more traditional insurance companies and start from there

[@josuecarrillo8011]

so after 2 years what is you final review on PHP? I was offered by a recruiter to join but there is a $199 initial fee. starting commission is 30 percent.

[@LIFE180]

My final review is I was tired of all the sad stories so I created an IMO myself.... it didn't exist when I made this video, but we made it based on demand. Focused on education and building the agent BEFORE building a team.

[@josuecarrillo8011]

@@LIFE180 okay I see. Are you currently seeking to take on board new insurance agents like myself. Well Im not currently a licensed agent yet, but i am in the process of getting licensed.

[@Jtsherrod34]

What's Caleb information? How can we get him to design us a plan?

[@LIFE180]

www.BetterWealth.com/LIFE180 to set up a call with someone on Caleb's team. There is also a great tool on the scheduling page that will help you gain more clarity around your financial strategies. Set up a call with that link and they will help you design a policy that best fits your needs.

[@jaron-craighunter4485]

thorough and honest review!!!

[@LIFE180]

thanks!

[@TheOpinionSports]

How can you talk about their training process when you don't know? How do you know their agents aren't trained correctly?

[@LIFE180]

I'm simply speaking based on experience based on how I have been recruited personally and conversation I have had with those people...

[@TheOpinionSports]

@@LIFE180 I mean this industry has a learning curve so maybe the people who tried to recruit you were not as experienced. There is nothing wrong with that the only way to learn is by doing.

[@topazdenoise3288]

I work with PHP agents. I can attest that the training is shoddy. Most of their agents are not fit for selling anything, let alone insurance, which involves some understanding of how insurance works.

[@DanielMedina-pt9ej]

speaking from experience there's no structure to the training at all, a new recruit will be thrown into the same trainings that current/ longtime agents are receiving. There seems to be no starting point to the trainings which are mostly surface level when it comes to actual insurance, and more focused on recruiting other people to join the agency. Or finding potential customers to sell to even if you have no idea how insurance actually works. Its definitely possible to make money and be successful but the way they go about it just seems shady.

[@DanielMedina-pt9ej]

They literally tell you if anyone ever brings up concerns about the company being a pyramid scheme to just act dumb and pretend like you dont know what a pyramid scheme is lol

[@Andrea-iz9bd]

What other companies would you suggest beside PHP?

[@LIFE180]

Any company that focuses on whole life and has a decent compensation plan. I have one. There are several great options though.

[@jeffreystoesser6878]

Maybe why one of the recruiters that contacted me today about joining PHP, didn't like that I said the video he sent me was "too sales pitchy" and not enough meat and potatoes.... And I really disliked the high pressure follow up.

[@LIFE180]

That's the way they do things....

[@jeffreystoesser6878]

@@LIFE180 If that's the way they treat potential recruits.... I don't want any part of it.

[@maximowilson5338]

Php is a mlm, I was there for 3 days and didn't learn jack about insurance. They try to teach you to recruit people. And get them to pay 199 to join. Little did these people know when they pay 199 php signs you up for life insurance without them knowing.

[@chrisg966]

if you can prove that the 199 signs you up without them knowing, I'll leave PHP and owe you a favor.

[@amaree8420]

I joined php and woke up the next day and got a bad feeling about it I hope I’m able to get a refund.

[@josephjames2599]

Lmaoo, what do you expect to learn in 3 days… They teach so much more than that. If you actually apply yourself and attend the trainings you’ll learn so much more than just recruiting.

[@chrisg966]

@@josephjames2599 Its a MLM, you defending them shows how ignorant you are in the matter. 3 days is enough time to see that all they want is your money and for you to recruit family/friends.

[@josephjames2599]

@@chrisg966 3 days isn’t enough, because they don’t go over all the trainings in 3 days 🤷🏽‍♂️ Regardless if I was defending them or not. 3 days isn’t enough time in any business.

[@franktassitano8735]

Any update on PHP///UIL.... I was approached by an agent as I am seeking a life policy.

[@LIFE180]

What kind of update are you looking for. Email [e-mail] and I'm happy to give any personal guidance you might need/want

[@magic80588]

Do you still want to learn the comp plan?

[@LIFE180]

Totally. Email [e-mail] I know it's constantly changing

[@jmartinez562]

Pro Tip from a Man who's been around since the late 1990's studying thesis businesses: #1 Any company that promotes a high-end lifestyle🌴..... RUN! #2 If you can't change the Logo it's Not your business #3 If these Guys/ Company's are so successful why are they asking YOU for your monthly buck? If Patrick Bet David is so wealthy along with his 10 buddies why don't they invest their money and make 100% of the profits

[@dianayate03]

I worked there for 4 months and I can give you some good information and answer all your questions. There is so much going on there besides selling life insurance.

[@LIFE180]

Email me at c h r i s @life180.com (spaced my name out to avoid bots)

[@speakingfromthecloset6767]

Like what

[@dianayate03]

@@speakingfromthecloset6767 many many things. I'll give you som example: they are more interested in recruiting than selling insurance. They make up these promotions that always have a time limit so for example you need to recruit 15 people in 15 days which is very unrealistic and most of the times you end up recruiting your cat just to hit the numbers. The list is so long I would need to do a youtu.be about it but I'm worried about them suing me. However, I'm only speaking about my experiences there.

[@gabbyreyes4528]

@@dianayate03 what happens if you don’t recruit people within those days ?

[@jazminmiguel]

I just finished having a meeting with them and have an orientation scheduled for them. So I continue with it?

[@Kkaypalmer]

So , just to be clear, you aren’t saying that PHP is a bad company to work for or that they sell inferior products, just that your concern is the true value of the work they are advertising. Financial literacy and stability being the goal and the suggested route being IUL and the ability to withdraw from the cash value?

[@LIFE180]

Very well put, yes. I would add, however, that the compensation plan for PHP also has a lot of moral hazards built into it. They recruit 10’s of thousands of agents annually with a 90+% failure rate…yet they sell most of those people policies and they don’t even compensate them well for their own policies. They prey on the idea that the only way you can build a real business or agency in the industry is with their model. A load of BS, honestly.

[@Kkaypalmer]

@@LIFE180 when you say 90% failure rate, do you mean the agents quit, or they don’t provide the best policies ( in set up ) or what ? I don’t understand that. Also, for someone 27 and without kids would you recommend an IUL or maybe a convertible term until that person has children or a spouse and would benefit more from an IUL . Instead of the IUL, they invest through a Roth ?

[@LIFE180]

@@Kkaypalmer 90% are not successful and quit, yes.

[@LIFE180]

@@Kkaypalmer also, funny you ask on what I would do for a 27 year old. My next video coming out tomorrow is "How to Invest In Your 20's". Be on the lookout

[@chikagurl77712]

@@LIFE180 I didn't get compensated at all for my own policy.

[@culturalredemptioncenter]

just throw this out there? the business model and process is written up in "Your next five steps" where is yours?

[@gatopirata8582]

So how much money have u make so far - the book is not the problem- the entity is - how is it managed-

[@LIFE180]

Sosene, I don't need a process... Besides, "Your Next Five Steps" means nothing. What is inside those 5 steps is the most important component. My experience with PHP agents has been up and down. Mostly spam and poor training, but there have also been a couple of decent people, as well. The business model seems more driven towards the upline making more money. 50% commissions to start? That is super low. I believe that's what new agents start at for personal sales til they hit a certain volume. Not to mention, if you are selling permanent life insurance properly, you need to cut your potential commission earned on a policy by 85+%. If you are doing it any other way, it's unethical imo. That means there is virtually no money to be made for most agents in PHP. I am open to a conversation if I am wrong...

[@latashanichols]

Hey I’m with PHP Agency I’m one of the ones there’s really passion about it. I truly work to master my craft, in life insurance, and do right by the client.

[@LIFE180]

I believe you. I believe you feel you're doing the right thing. But if you are selling IUL the way PHP teaches you, you are being misled and potentially hurting your clients

[@latashanichols]

@@LIFE180 I see what you’re saying I still IUL based on the clients needs if they’re looking for alternative to save money besides a regular savings account I think it’s a good alternative. I feel like whole life is great everybody doesn’t want an IUL.

[@LIFE180]

@Latasha Nichols IUL is not a great savings alternative. There is WAY more risk than you think. I understand the appeal because of how they are illustrated. The problem is, they never perform the way they are illustrated.... I believe you want to do right by your clients, but you need to learn about IUL from 3rd party sources like my channel or places like LifeProductReview.com

[@latashanichols]

@@LIFE180 I do watch other channels. Thanks for the advice

[@latashanichols]

@@LIFE180 if you don’t mind me asking, what do you feel like are risks with the IUL so I can do research on your thoughts

[@HolliCMcCormick1]

let's add WFG and any of those companies are really apart of that company

[@LIFE180]

I just did a video on WFG. Check it out

[@fluttercrafts]

And AIL.

[@TRTS1]

Okay gentleman I have watched your video and I do appreciate the way you started out talking about Patrick-Bet-David and Company you gave the company and the CEO great reviews . But here's the problem you went on our Web page and you started out with just one section there are more pages than what you just saw . Also to what company is going to disclose on how you going to get paid and show you there Compensation Plan . No company is going to start out by showing you information like that until you are in the business at the same time being trained on what & how to build this business that's just common sense . But I will tell you this with extensive training and also with our compensation package plan on how you make money with everything else getting license is exposed . When we do sit down or do Zoom with a client we focus on six steps in order to fulfill their needs & to make sure that families household is financially secured or debt free because there's a whole lot of other things we do besides insurance . But I get it pretty smooth way of transitioning into what you do to promote what you do . so some of your comments was not true and false and so that's just the bottom line

[@LIFE180]

I have your compensation plan. Don't worry, I'll do a review and make it public on KZbin. People deserve to be informed before they sign up to know what they are getting involved with. Withholding information on the compensation plan isn't common sense, it's shady....no other MLM or Life agency doesn't share how you are going to get paid and advance through the ranks BEFORE you sign up. The fact you even make that statement is sad

[@TRTS1]

So you claim you was part or worked in the PHP organization let me ask you a question ? Do you know how Primerica World Financial Group - (WFG) & People Helping People - (PHP) for all three companies do you know how they all started ?

[@robertjustice8267]

Can you present a list of Amazing things Patrick-Bet-David has done, other than Interviews?

[@LIFE180]

Haha, I suppose not. But I really like his perspectives on the world. He built a company and sold it for multiple 9 figures....although it was PHP and I disagree with how he did it....

[@robertjustice8267]

@@LIFE180 PBD does not live by any of those perspectives, other than floating the boats of celebrity and flashy Capitalist sensationalism- I see him as a simple narcissistic dream peddler selling Ferrari's on a stick- Tell me one success story he has himself "vested in"?

[@LIFE180]

@@robertjustice8267 listen....I can't dispute you on this. I just did a tiktok about it, actually

[@jamelspencer4448]

Why would I trust doing business with you guys talking about the cons of another company?

[@LIFE180]

Not the cons of other people...the cons of the comp plan and biz structure. PS - I'm not asking you to do business with me. I am making these videos because I love the Industry and I think these types of Network Marketing Financial companies are dangerous to the reputation of what real good advisors do.

[@jamelspencer4448]

@@LIFE180 then why are reputable insurance companies such as AIG and Mutual of Omaha both companies thats and a few other that's been in business for over 20 years working with them? How and why are states allowing them to license agents all over?? It seems as if to me you're not promoting but basing and encouraging boycotting. Being that you are a licensed insurance agent, how is that even ethical and professional on your behalf? If your so passionate about the industry, where are your concerns and passion for the people who are paying monthly premiums or in need of your products and services? What educational information you can provide for those that may need protection during this pandemic? It seems that you found time and efforts into looking at what another company is doing and not letting the people know who you are as a company? So my question again, who are you and why should I do business with you guys?

[@karennyeley1063]

@@jamelspencer4448, it's funny that you are talking about trust when Matt Sapula one of the top agents in PHP got his license revoked due to fraud. Now, how can anyone trust in PHP?

[@FinLitRC]

Does Caleb have agents under him?

[@LIFE180]

No. But I just launched an IMO due to all of the response over the past year to help agents get access to the right contracts and right product training and marketing support.

[@IamAubreyAnderson]

I would like know the name of your company and review your compensation as well bud 😀

[@LIFE180]

That's a good one. I'm not an agent any longer. However, I used to be the head of business development for one of the companies PHP sells.

[@RR-fb3xd]

Ooops try again scammer

[@audreydebnam6360]

You do have to get a license

[@azariahescalante7787]

This company is just like Primerica, is it possible to make money getting licensed to sell insurance through these companies, yes. But is it the best career for people? Truthfully they tend to take advantage of the younger generation, by showing them numbers.

[@karennyeley1063]

These are the real numbers kzbin.info?event=comments&redir_token=QUFFLUhqbkZFNlRDb01vLTVpbnEtRTA5cVhPTlgtZVlDUXxBQ3Jtc0trNWg5dDRDS19LejhTektON1VQSUxNRWFWUnNrdHd5WmNtWUJGUTdqWS1qSlVYYWZsX3NyY0MzV1JsckJ2ZVpCbk1OcFd0QXBfQXFKVkwtNHdzWktmdUZ6X3pGTUxNMVp0eU9vSDJ4dmQ4d1Q3ZFQzNA&q=https%3A%2F%2Fphpagents.com%2Fwp-content%2Fuploads%2F2020%2F09%2FPHP-Agency-Inc.-Income-Disclosure-2019.pdf&html_redirect=1

[@darvyrith5767]

That is incorrect.

[@karennyeley1063]

Great video, guys. 👍

[@lifeandlibertycrew1906]

This video is making points without actual knowledge. This is painful, with all due respect and speaking from ignorance. Are you watching material for clients and agents? They are different. I have worked in different companies and around different companies and agents. PHP Agency has the highest ethical practices and standards. We have Robert Kurzner on our board, the former President and CEO of LIMRA and LOMA. We have the former COO of Pacific Life as our COO. We had a semi-retired former head of sales development from AIG and Edward Jones assist in sales manual. You can get licensed, but you are going to to go out write business until you are certified. We have a training program. The broker determines if you are fit to run appointments and write business. There are multiple layers of checks before an app is submitted to the carrier. There is a careful and deliberate process that ensures each policy and person is treated with care. We start with education and a budget and don’t just write policies or sell insurance. We also say no and have people learn how to save money first. We also have a law group that assists clients with debt settlements. Yes, IUL’s can be done wrong. This isn’t a one size fits all. We don’t push one type of insurance, but have a careful approach. We do a budget and financial analysis to create a plan that assists each client according to their needs. We represent 34 of the top A rated financial services carriers. We write good business. We have over 16,000 agents. We are opening new offices accords the USA because their is a low cost to start and we have eliminated many of the barriers that stop the average person from being able to have a successful agency. PHP Agency is similar to Keller Williams, Century 21 and NY Life. We are not MLM, there is a split of commission over 7 people potentially. However, the person doing the work and/or generating the client are in the best position to earn for a policy written. This isn’t like MLM with endless levels, where you have to buy something. We don’t get paid when someone joins PHP. We get paid when we write policies, just like most agents. PHP Agency has taken the best from each business model and combined them to create a very efficient, low overhead, low cost, sleek business that can grow exponentially and quickly. You get a license and get certified and you can produce. You pay for your licensing and you own your license and book of business. You can build as many offices as your are able to and as fast as you are able to and we work as a team. So, the person who is an expert with writing insurance is given the task of presenting and writing a policy. It’s not random free-for-all. We are like a sleek, well oiled, fine-tuned race car.

[@TheWholeDamnShow007]

@@lifeandlibertycrew1906 no they’re NOT! Lol they’re a bootleg version of the WFG platform. Ya’ll like to BS ppl don’t ya’ll?! Not surprise everything comes from The top & most of your top leaders are great bull shitters how do I know cus they got fired from WFG for doing shady biz but they won’t disclose that. Lol

[@user-eb2ii3lx7e]

They are not a by term .the are iul and wl companies as well

[@LIFE180]

I never said they were a term company

[@robmartin217]

Patrick "place your bet" on King David...

[@BIGdaddy-vs7og]

Long sorry short. Is PHP worth the time To make that extra income???

[@LIFE180]

Long story short, how passionate are you about learning how to help people with money? That should be your first question. Then decide if you want to be in this industry. Then you can decide which company to be with. I'd you get to the place of, YES, I want to be in this industry, I don't think PHP will be a good fit all things considered

[@aleog9903]

These two have their own insurance company and bashing other companies is there strategy to grow ? hmmm idk. these two are perfect and ethical. Keep up with the 8K Subs

[@gatopirata8582]

What they are saying its bot bashing - ita rhe facts - paid attention n listen

[@TheOpinionSports]

Gato Pirata doing it in a passive aggressive way.

[@darvyrith5767]

Well they are bashing PHP because they also have their own insurance business. That’s illegal.

[@ifnothingchanges7846]

I heard they have a startup/initiation fee of about $199 with a monthly membership fee of $14.99. Don’t know if this is true. Any current or former PHP reps out there that can give some insight......

[@rubenoliva7930]

Yes that’s accurate, well they remove the $14.99 fee so now every year they’ll charge $100 to renew the “membership”

[@BellaLuella23]

No @Ruben Olivia that’s incorrect. There IS a $199 fee to sign up, which gives you access to your online office & various training materials, however there is NO FEE after that. Not monthly OR yearly.

[@lucindaHollis]

No monthly fee....

[@rafizxDx]

Initial yes, monthly no.

[@twinveloz9622]

No monthly but after each year they charge $100 for their online office ! They even charge for study sessions smh no longer with PHP

[@robertalinares3393]

I love this video. But yesss!! PHP Agency does have other services other than insurance!

[@LIFE180]

I see people listing the services on this thread. I've yet to see anything regarding a comp plan and how you get paid on those. Furthermore, I am shocked that they would offer those services, yet not promote them on the PHPagency website....🤔🤔

[@robertalinares3393]

@@LIFE180 Yeah im not sure. Its not my company so I can't speak on their behalf in terms of what they show on the PHP agency site. But, they do offer settlement debt and other services. I believe they even have access to saving accounts that other markets don't have. In terms of the comp plan, I believe someone down in the comments said they sent it to you. Im not sure if they did or didnt. But I wont flat out say what it is because like you guys mentioned, there are people out in the world that don't care and will screw people over. We do have mostly warm markets. That being said, the compensation does pay a good amount for the work we put in. People who do start off do get paid regardless, obviously they would just need to get their license.

[@gatopirata8582]

The main purpose to reclute people n promising great money that they have a great offer n paid 200 n then paid another 200 or more to go their conferences that will give prize to the top sales people so they said ! Why would these supposedly 1099 employess will have to paid for it - can u immagen o er 300 people assisting between 60k to 90 k they suck out of soneof these guys that they jave not even make any money yet !! I m surprised this co have not honunder investigation on the way the operation is handled !

[@TheWholeDamnShow007]

Yes they also sell energy drinks lol

[@gatopirata8582]

@@TheWholeDamnShow007 😂🤣😂🤣

[@jannaromero8648]

Hello ,I just wanted to say I agree on what you both said. I went to a couple of their seminars. How i see. It is that the big Insurance companies Don't want to waste their money on 2 mins or less on TV Commercials. So this is how the insurance companies use people to spread the word on their Insurance companies. THE INSURANCE COMPANIES SAVE MILLIONS OF DOLLARS NOW. THAT'S HOW PHP CAME IN PLAY.

[@TheWholeDamnShow007]

PHP is a bootleg version of WFG. Patrick Bet David pulled a Ray Croc on WFG.

[@davidcastillo8522]

No agent should start with a 30% contract

[@LIFE180]

I agree 100%.

[@josephjames2599]

If you look at what the average independent agent commission rate. PHP starts you out at double that… and still gives you the room to grow to well over 150%

[@davidcastillo8522]

@@josephjames2599 Which company starts their agents with a 15% contract?

[@SwirlyJoe]

Patrick David is like a knock off Rush Limbaugh

[@giovanniandresmastro8734]

PHP has two products that are not life insurance products. Mediator Debt solutions & Legal Shield.

[@user-eb2ii3lx7e]

you insinuated that they sell nothing but term.

[@LIFE180]

I insinuated they sell very little except for IUL

[@davidcastillo8522]

The recruiting business model is coming to an end in the financial service industry. It’s built on sand and it’s going to crumble.

[@LIFE180]

I think it is shifting, for sure. I don't have a problem with recruiting. But when recruiting is the #1 importance over educating and training to insure that the field of financial reps are actually serving the industry well, it is toxic. That's the problem with WFG and PHP. I am actually working on a solution right now with some amazing people. Stay tuned

[@Kurio71]

If you want a free workforce, start a MLM.

[@LIFE180]

All financial services companies function as MLM's to some degree. That's not my main issue with PHP. My main issue is how horrible their comp plan is for new agents. The business is challenging enough to succeed, let alone to get paid so little out of the gate....and have to split that for joint work....

[@Kurio71]

@@LIFE180 The naive and desperate are the victims

[@RonGetBigGoolsby]

I run my own business under the PHP banner and I can say. The both of these two guys that in the video is not part of PHP and their giving their opinion and nothing more. If they were part of PHP, then you can say they are dissing with facts. They are on the outside lookin in

[@LIFE180]

haha, you say that. I was the director of business development for your top IUL company, NLG. I have more insight into what you are doing than you realize. The comp plan is a joke. Too many moral hazards and the product is suspect (on the IUL side of things, at least)

[@RonGetBigGoolsby]

@@LIFE180 really? Right now you are out of touch. We just got a 150% raise in writing. So I hope next time you add that in your next video. Have s nice day sir.

[@LIFE180]

@@RonGetBigGoolsby 150% raise? So tell me, what is the comp rate for new agents?

[@RonGetBigGoolsby]

@@LIFE180 I tell you what, why don't you sit in on a 30 minute meeting and see for your self. That way you can have facts.

[@LIFE180]

@@RonGetBigGoolsby email details to [e-mail] and I'll be there

[@bto9273]

People will convince themselves of doing the right thing when their own interests are being fulfilled. Think about terrorists, they convince themselves of doing the right thing but unethical.

[@miriamrivera5753]

It puzzles me when you both are bashing and discrediting PHP Agency or a company model when you DON’T know the FACTS about it!! You’re going by someone (perhaps a bad apple) trying to recruit you using the wrong language! DO your homework, understand the philosophy, the training, the mentorship, the options that clients have with these different providers to meet their needs! It’s not a cookie cutter approach as many other companies are! PHP is NOT an insurance company..... if you really want to see the compensation plan, the system model reach out, PHP is transparent! DM

[@LIFE180]

Funny you say that. Since the making of this video, I have talked to Many (20+) agents with PHP. I have also watched the full compensation video that PBD did last year. The reality is that it's worse than I thought in this video. Starting agents at 30 percent commission... creating an internal consumption model. I have heard story after story of the training being great about how to recruit, but horrible on product and education about being a financial professional.

[@bradmartin9024]

If you think IUL/WL/UL is good for the consumer you are either greedy as an agent or you truly dont know what you're selling

[@LIFE180]

If you are saying they are bad as a blanket statement, you obviously don't know what you're talking about. It's a financial tool like anything else. IUL'S are bad because of the risks associated and the lack of control of fees and expenses. I will agree with that

[@bradmartin9024]

@@LIFE180 They are bad because you get ripped off. the Life Insurance portion is WAY over priced. The investment portion doesn't perform most of the time and the CSV is your money for "savings" but for the first few years lines the agents pocket. plus when you die you either get the CSV or the insurance not both. You dont mix Investments and Insurance on 1 policy. If you're Life Insurance Agent only has a Life Licence and tries to give you financial advise you should be concerned

[@LIFE180]

@@bradmartin9024 yes, this "can" happen, but a properly designed policy doesn't allow that. If it is so bad, why do most top real estate investors use whole life as a storage tank for their investment capital? Is it possible that you don't know what you don't know?🤔🤔🤔

[@mariadladla5134]

@@bradmartin9024; PHP agents are licensed in Life, Health, and Annuities. These guys engaging in "Defamation" about another company. It's illegal in the insurance industry.

[@user-eb2ii3lx7e]

its clear you are bios on the structure of the company.

[@LIFE180]

It's clear that I am... absolutely, because their structure is full of moral hazards and horrible for the industry

[@janndeguitos9115]

Thoughts on Doug Andrew and this video comparing infinite banking with IUL and whole life?: kzbin.info/www/bejne/f6fHi6GNh62lrMU

[@LIFE180]

My thoughts are this... Doug can say anything he wants about IUL being better. Here is the challenge, the purpose of IBC really requires the guarantees of a whole life policy. If it were a good idea, Nelson Nash would be endorsing the concept. He is not... Once again (as I have said in many videos), IUL's were designed to take the risk AWAY from the insurance company. While an IUL may have A bit more upside in a bull market, if you are using the policy as a main investment strategy you are missing the strategic concept altogether. IUL's pay more commission. Period. That's why so many are pushing them compared to whole life. To sell a properly structured whole life policy, you will need to take a 80-90% commission cut. That's why most agents won't do it or don't focus on learning how to do it properly.

[@janndeguitos9115]

@@LIFE180 ok yeah I see. Thank you👌🏼👌🏼

[@lifeandlibertycrew1906]

@@janndeguitos9115 Doug Andrew has decades of experience compared to @LIFE180 nonsense Life 180 is blowing smoke up your butt and calling it perfume. They are jot being honest about the cost of the insurance and selling you on the guarantee. Whole life is the main money maker for carriers and makes millions for insurance carriers, it is over priced and you are over paying.

[@LIFE180]

I have a video coming out on Doug this week. Be on the lookout

[@janndeguitos9115]

@@LIFE180 I've been doing some research, and I would definitely agree, IULs aren't suited for IBC. WL and IULs each have their own purposes, and both are good. Even with the IUL, there is a way to structure it where the agents will take an 80-90% commission cut and more money will be pushed towards cash value.

[@360VRStudios]

How dare you insult David Bet like that. lol

[@LIFE180]

🤣🤣🤣

[@jeffbell9391]

The two guys ,who can patty be a great guy if he screws over people. Just because you and patty love trump doesn't make him a great guy he's a f.u car salesman

[@allynaquino3117]

Caleb is so handsome is my take away from this video

[@LIFE180]

he is a good looking dude

[@yodathecloverholder69]

You tried to crap on PHP to promote your own business but you didn't even say anything of actual substance. You did a couple hours of research on PHP and think you're qualified to criticize them and their systems & processes, what a goofy thing to do. You're embarrassing yourself.

[@LIFE180]

Is that what I did? I didn't even have my IMO when I made this video.... You are obviously with PHP... All good. If you think is all I did was a couple hours of research, you don't get it. Why don't you make a comment stating something about any inaccurate info I shared? Because you can't. Do some background on me and my former positions....I am plenty qualified to critique PHP

[@LIFE180]

PS - I started my company because of the responses I received from making videos like this one. I did it to help people who have confirmed what I talk about to be 100% accurate.

[@davidsica9267]

Can you imagine dedicating your life to making videos about other people’s successful companies? Jealousy can be a deadly sin 😬

[@LIFE180]

You mean making videos dedicated to educating people about something they don't understand from an outside perspective? I love this industry, and the practices of WFG and PHP are atrocious... all you do is sell IUL, and normally improperly and you do it under the guise of "financial education"

[@airforcemax]

*the u.S. Army 11B10 infantryman veteran Patrick Bet-David with his subordinates via LinkedIn were sort of helpful, but not truthful* - 10:09 am Pacific Standard Time on Tuesday, 18 January 2022