People Helping People

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By: Scam Risk - Expert Reviewer

PHP Agency Scam: 7 Things You Should Know Before Joining!

Are you being hounded by an insurance seller to join the People Helping People Agency (PHP)?

Are you tempted to accept the invitation because of all the promises to make money online?

You may be wondering “Is PHP Agency a scam or even an illegal pyramid scheme?”

The fact that you are reading this People Helping People review is a good sign that you are wanting to know more about the company and doing your own due diligence before making any final commitment.

We applaud you for that.

So today, we will do an in-depth review of the People Helping People (PHP) Agency to see if it’s a legit company, or if it’s a scam and you should look elsewhere for a more profitable option.

And at the end, we’ll answer some of the most frequently asked questions regarding People Helping People and Network Marketing in general.

But most importantly, we’ll show you the exact system we used to build my own internet marketing business to over $40,000 a month in mostly passive income.

Let’s begin!

This PHP Agency review has been thoroughly researched with information and testimonials that are available online to anyone in the public. Any conclusions drawn by myself are opinions.

Table of Contents

PHP Agency Reviews: What Is PHP Agency?

PHP Agency is a multi-level marketing company in the United States that sells insurance and financial products. 

It was founded in 2009 in Northridge, California by Patrick-Bet-David with 66 insurance agents joining him. 

Since then, over 17,000 people have become licensed agents, and over 200,000 families have benefited from insurance and financial education.

PHP Agency, Inc. is now based in Addison, Texas in the United States.

PHP Agency Founder Patrick Bet David History: What Does Patrick Bet David Own?

Mr. Patrick Bet David is an intriguing personality.

Prior to starting his insurance sales business, he served in the 101st Airborne and currently owns and runs a multi-million subscriber YouTube channel called Valuetainment.

When Mr. David was 10 years old, he and his family immigrated to the United States of America from the war-torn country of Iran.

During the Iranian revolution, his parents fled Iran as refugees and were eventually granted United States citizenship.

Patrick enlisted in the United States military after high school and served in the United States 101st Airborne Division before launching a business career in the financial services industry. 

After working for a few companies, he was inspired to start PHP Agency Inc., an insurance sales, marketing, and distribution company at the age of 30.

When “The Life of an Entrepreneur in 90 Seconds”, a video he created, accumulated over 30 million views online, Patrick created a buzz in the hearts of entrepreneurs all over the world (It became a book in June 2016). 

That video, along with scores of others, make up his library of edifying, educational, and inspirational content about entrepreneurship – all available at Valuetainment, a media brand he conceived and founded.

Valuetainment teaches the fundamentals of entrepreneurship and personal development while inspiring people to overcome limiting beliefs and other constraints in order to achieve their goals. 

Valuetainment has been dubbed “the best YouTube channel for entrepreneurs.”

Patrick has also conducted one-on-one interviews with some of the world’s most inspirational people, including NBA Hall of Famers Kobe Bryant and Magic Johnson, Author Robert Greene, Billionaires Ray Dalio, Mark Cuban, and Apple co-founder Steve Wozniak, among many others.

PHP Product Review: What Products And Services Does PHP Agency Sell?

People Helping People (PHP) Agency claims to offer the best products from the best companies in the United States. It is safe to say that PHP Agency is merely a third-party between the customer and the insurance company. 

Listed below are the products they carry…

Term Life Insurance

Term life insurance provides coverage for a set period of time, usually between 1 and 35 years. If the policy owner dies during the policy’s term, the death benefit will be paid out.

This is a cost-effective option for young growing families or individuals seeking more affordable coverage.

When the term expires, there is no guarantee of renewal.

However, certain term policies may include the option to renew.

Return-Of-Premium Term

People Helping People Agency offers a Return of Premium (ROP) term insurance policy that returns all contributed premiums if the insured lives beyond the term period.

Returns on premiums can begin as early as the second year.

If needed, life insurance protection is in place, and return of premium investments if not.

“If a primary wage earner died, more than one-third of all households would experience negative financial consequences within one month.” (‘FACTS ABOUT LIFE 2018′ by LIMRA)

Indexed Universal Life Insurance

Indexed Universal Life (IUL) is a permanent policy that is similar to a traditional UL policy in terms of premium and death benefit flexibility, but it also has a higher growth potential due to index interest crediting.

To increase the chances of higher returns, the policy owner can invest a percentage of the cash value in specified “indexes” (such as the S&P 500 or Nasdaq 100).

This can be used as a savings vehicle, with the insured benefiting from the upside potential of market gains.

Indexed accounts provide a guaranteed floor that protects the insured from market declines.

Policy illustrations provide historical data to policyholders to help them make informed decisions about which markets to invest in.

The cash value of this policy can grow tax-free.

This policy can be structured to include living benefits, allowing the policy owner to access the policy’s face amount to cover expenses associated with critical, chronic, or terminal illness, as well as long-term care needs.

No-Medical Exam Life Insurance

This straightforward, low-cost life insurance policy is intended to cover expenses such as medical bills and funeral costs (including plot and mortuary costs) and can help protect your loved ones from future financial burdens.

This policy provides long-term growth potential and flexibility in permanent life insurance coverage.

This has an available death benefit of up to $250,000, and there is no need for a medical exam or blood work.

Fixed Indexed Annuity

Premiums in Fixed Indexed Annuities are tied to an index and credited in the same way that IULs are.

Fixed Indexed Annuities, like IULs, provide principal protection and a death benefit, with the possibility of gains based on market performance.

This is a type of tax-deferred insurance product.

This policy can be structured to provide income for the rest of one’s life, serving as an additional source of retirement income.

With a guaranteed floor, this product protects against a market decline.

According to a recent report by the National Institute on Retirement Security, nearly 40 million U.S. households (45 percent) have no retirement assets, and half of those households are headed by someone between the ages of 45 and 65.

PHP Agency’s Insurance Partners:

PHP Agency functions as a third party between you and several insurance companies in the United States that they have partnered with.

Some of these companies are well-known insurance providers in the United States, while others are young companies.

These partner insurance companies are:

  • AIG
  • American General
  • American National
  • Foresters Financial
  • Columbus Life Insurance Company
  • National Western Life Insurance Company
  • National Life Group
  • Global Atlantic
  • Mutual of Omaha

PHP Agency Review: Is PHP Agency Legit Or Is PHP Agency A Scam Or Pyramid Scheme?

It has been mentioned earlier that Patrick has worked for traditional companies in the United States prior to creating the PHP Agency. 

He fails to mention that one of these “traditional” businesses is WFG (World Finance Group), a pyramid scheme scam.

WFG is a pyramid scheme scam run by the Indian Sikh community in the United States.

The PHP Agency seems to be a restructured version of the World Finance Group.

The reason we say this company appears to be a restructured version of a previous pyramid scheme company he worked for is that there is no other way to make money in a significant and sustainable way than to recruit more and more insurance agents.

In PHP Agency, there is a strong emphasis on recruitment.

Patrick Bet David frequently discusses how to add value to others while recruiting.

Also, on their compensation plan, they do not specify how much you will be paid for retail sales but do specify how much you will be paid for recruiting.

The primary goal and focus of the company is to recruit affiliates and persuade those affiliates to recruit others.

So is the PHP Agency a scam or a pyramid scheme?

It sure could be! But that’s not for us to decide. That’s for the FTC.

PHP Agency defends itself against the pyramid scheme scam accusations by claiming to be a multi-level marketing company because they have products.

However, many pyramid schemes now have their own products.

MLMs are referred to as pyramid schemes because the majority of their revenue is generated by recruiting other affiliates rather than retail commissions.

In PHP Agency, this is exactly the case.

Their main source of revenue and priority is affiliate recruitment.

As we previously stated, they do not specify how much you will be paid in retail commissions.

They do, however, mention how much money you will make by recruiting affiliates.

Whether they believe they are a multi-level marketing company or not does not matter because no owner of a pyramid scheme would ever claim that their company is a ponzi scam or pyramid scheme.

We have noticed in his videos that there hasn’t been any mention of PHP Agency so far.

We assumed he’d use this platform to promote his company, but he didn’t.

Is it possible he doesn’t want to be associated with PHP Agency because he doesn’t want to lose subscribers who believe the PHP Agency is a pyramid scheme scam?

Is PHP Agency A Good Insurance Company To Work For?

We have taken a survey of employee reviews in to determine employee satisfaction and the results are as follows:

Out of 58 employee reviews: 

  • 33 employees – gave PH Agency a 5-star rating
  • 9 employees – gave PHP Agency a 4-star rating
  • 8 employees –  gave a 3-star rating
  • 2 employees – gave a 2-star rating
  • 6 employees – gave a 1-star rating

Their average employee rating per category is:

  • Work-Life Balance:  3.9 stars
  • Compensation/Benefits:  3.7 stars
  • Job Security/Advancement:  3.9 stars
  • Management:  4.0 stars
  • Culture:  4.2 stars

Am I Limited To Selling PHP Agency Life Insurance To Friends And Family To Make Money?

Project 100 Method

While Php Agency, like other insurance multi-level marketing companies, does not provide you with leads, they do teach you how to obtain it.

And they’ve given it the moniker “Project 100 Method.”

In the Project 100 method, you must create a list of 100 of your closest friends and family members to whom you must sell this insurance.

According to the company, there will be some success in this because:

  • They already know who you are.
  • There is no such thing as cold calling or cold outreach with friends and family.
  • Your family and friends will be a warm audience for you, so you will have some success.

Is this something that you agree with?

Is this something you are comfortable doing?

We, personally, hate having to pressure or hound friends and family concerning business. 

It puts so much strain on relationships. 

We do not want friends and family to associate stress with us each time they encounter us in family gatherings or reunions.

PHP Agency clearly puts a stress on this marketing strategy. Why else would they come up with Project 100 Method?

How Much Do PHP Agents Make?

PHP Agency, like all other MLMs We’ve looked into, has a complicated compensation plan.

Explaining a company’s compensation plan really gives us headaches.

It is not our favorite part to discuss in reviews.

Nevertheless, let us dive into it:

PHP Agency Compensation Plan

People Helping People (PHP) Affiliate Ranks:

There are 11 ranks in total in the PHP agency. You can advance from one to the next by meeting certain recruiting goals and group sales goals.

One thing that is noticeable is that group sales goals are much easier to achieve than recruiting goals.

  1. Trainee
  2. Associate
  3. Field Associate
  4. Director
  5. Marketing Director
  6. Senior Marketing Director
  7. Executive Marketing Director
  8. Senior Vice President
  9. Executive Vice President
  10. President Council
  11. Chairman Council

Retail Commissions

The rank you hold in the Php Agency will have a direct impact on your commissions.

This has a direct impact on how much money you can make in a PHP Agency.

Here is the percentage of commissions you will earn in PHP for each rank:

  • Trainee:  You will earn 30% of each sale you bring to the PHP Agency.
  • Associates:  You can profit up to 40% on each sale.
  • Field Associate: You will receive 50% of any sales made within the company.
  • Director:  60% commissions
  • Director of Marketing:  75% commissions
  • Senior Director of Marketing:  77% commissions
  • Executive Director of Marketing:  80% commissions
  • President Council:  81% commissions
  • Chairman Council:  82% commissions

Direct Bonus Commissions

As a bonus, an additional 40% direct commission is paid out.

  • recruit 10 affiliates, fill 25 potential applications, and generate 25,000 GV = 5% bonus
  • recruit 25 affiliates, fill 25 potential applications, and generate 50,000 GV = 10% bonus
  • recruit 50 affiliates, fill 50 potential applications, and generate 100,000 GV = 20% bonus
  • recruit 100 affiliates, fill 100 potential applications, and generate 200,000 GV = 30% bonus
  • recruit 150 affiliates, fill 150 potential applications, and generate 300,000 GV = 40% bonus

Generation Bonus

A Generation Bonus is paid by PHP Agency through a unilevel compensation structure.

In a unilevel compensation structure, an affiliate is placed at the top of a unilevel team, with every personally recruited affiliate placed directly beneath them (level 1):

If any level 1 affiliates recruit new affiliates, they are assigned to the original affiliate’s unilevel team at level 2.

If any level 2 affiliates recruit new affiliates, they are promoted to level 3, and so on for an infinite number of levels.

When a Marketing Director is found in a unilevel leg, PHP Agency defines generations within a unilevel team.

The first Marketing Director discovered concludes the first generation, with the second starting immediately after.

The second Marketing Director completes the second generation, and so on.

If there is no second Marketing Director in the unilevel leg, the second generation extends the entire length of the leg.

Higher generations within a leg that are not capped off by a Marketing Director are similarly affected.

PHP Agency pays a Generation Bonus on up to seven generations per unilevel leg using this generational definition.

  • 10% on the initial generation
  • 5% on the second generation
  • On the third generation, the rate is 4%.
  • 3.3% on the fourth generation
  • 1% for the fifth, sixth, and seventh generations

If a PHP affiliate has a 5 percent first generation rate, they can earn a bonus of 5%.

  • 10 affiliates personally recruited
  • 25 possible application filles
  • Monthly income of 25,000 GV

It should be noted that the generation calculation for each unilevel leg is performed independently of the other unilevel legs.

Recognition And Rewards

Under Recognition and Rewards, the PHP Agency specifies a “$100,000 Ring” and a “$50,000 Watch.”

There are no qualification criteria provided.

Can You Make Money Selling Insurance Alone?

Sure, you can make money by selling insurance alone, but it definitely will not bring you big money that is worth quitting your day job.

Recruiting is the only way to make money substantially to allow you to do this full time.

Is Recruiting Necessary For PHP Agency?

Yes, recruiting is critical if you want to make money with PHP Agency.

The company’s owner teaches in his training that we should not be embarrassed to bother friends and family.

In one of his webinars, he tells the seminar participants by saying:

“You should not be ashamed of enlisting the help of your friends and family members because they do not pay your bills.”

Do I Need A Licence For Selling Insurance In The United States?

Before selling PHP life insurance products to make money, agents in the United States must obtain the necessary insurance licenses.

We’ve heard of people who took the insurance licensing test and studied for it for a month or so.

Some had to enroll in paid classes.

This surely is the most difficult company to join out of the ones we have researched and reviewed.

How Much Does It Cost To Join PHP Agency?

PHP Agency makes no mention of joining fees on their website or in their marketing materials.

When it comes to the expenses that the potential financial agent will cover, PHP is not transparent.

There is an outside source who stated that you must pay $150 to get started, $20 for the pre-licensing course, $150 for event tickets, $24 for Blueprint, and $15 per month.

According to this source, you’ll need at least $500 to get started.

This is a large sum, especially when you’re just getting started. 

There’s no guarantee you’ll be able to recoup your investment, especially since you’re selling a product that no one buys on a regular basis. 

It will be difficult for both new and experienced agents, so if we were you, we would reevaluate joining the program.

Can You Get A Refund From PHP Agency?


A newly enrolled Associate has three business days from the date of enrollment (the date the enrollment fee was paid) to submit a formal refund request to PHP Agency, Inc. 

The formal request should be sent to [email protected]

PHP Agency Celebrity Endorsers

Former United States President George W. Bush, late basketball star Kobe Bryant, and right-wing Canadian professor Jordan Peterson have all lent their names to the People Helping People Conference, an annual event organized by PHP Agency, in late July of 2019.

They were joined by Oakland A’s executive Billy Bean, the inspiration for Michael Lewis’ book Moneyball.

Billy Bean is the Oakland A’s General Manager. 

He transformed baseball, reinvented his team by outsmarting richer ball clubs with data, and led a poor team to the World Series.

Jordan B Peterson is a clinical psychologist, professor, and the award-winning author of “12 Rules for Life: An Antidote to Chaos”

Over 2 million copies were sold, and it topped the best-seller lists in Canada, the United States, and the United Kingdom.

Kobe Bryant was a five-time United States NBA champion and an 18-time NBA All-Star,  MVP of the NBA Finals twice, one of basketball’s all-time greats and a hero to many.

George W. Bush is one of only six living United States Presidents. 

President Bush only gives two speeches a year, and one of them was at the 2019 PHP Convention in Las Vegas. 

Before agreeing to speak at the convention, the Secret Service conducted a two and a half year investigation into the company.

People Helping People Review: Better Business Bureau Profile

PHP Agency has been BBB accredited by the Better Business Bureau since 09/27/2020.

It has been given an A- rating by this privately owned agency.

PHP Agency’s BBB Profile shows them having a total of 193 customer complaints in the last 3 years. 

Out of the 193 complaints, 136 complaints were closed and settled in the last 12 months.

The breakdown of these complaints in categories are as follows:

  • Advertising/Sales – 12
  • Billing/Collections – 16
  • Delivery Issues – 4
  • Guarantee/Warranty – 0
  • Problem with a Product or Service – 161
  • Total – 193

People Helping People Review: Policy Pros and Cons


Life insurance is essential

  • Insurance is essential because both human life and the business environment are fraught with risk and uncertainty. 
  • Insurance plays a critical role in risk management.
  • Insurance protects you from risk and uncertainty.
  • It allows the insured to focus on his work without fear of financial loss due to risk and uncertainty.
  • It instills a habit of regular savings, as in the case of life insurance.
  • In the event of a financial emergency, the insurance policy can be mortgaged and funds raised.
  • Insurance policies, particularly pension plans, provide income security in retirement.
  • The insured receives tax advantages for the amount of premium paid.
  • Insurance of goods may be a contractual requirement in some cases.

Training Tools And Support


Lack Of Information In Website

They lack transparency on their website on such important information as costs in joining their company. We had to dig up this information from other sources on the internet.

They should state clearly on their website that the cost to get started is a total of $1000 or more.

Shades Of Pyramid Scheme

They make an effort to portray themselves as an MLM company, but they actually function like a pyramid scheme.

An MLM company would have a healthy balance between product retail and recruitment.

PHP Agency, however, focuses more on recruitment. 

Their insurance products are not even their own. They operate as a third-party insurance company.

Lack Of Income Disclosure Statement

How can we assess if their agents really make money?  

It is a red flag to us if a company is not transparent about this.

They also don’t tell you that in order to be an affiliate, you must purchase an insurance service.

Not Your Own Boss

PHP Agency claims that their business opportunity will allow you to be your own boss.

How can you be your own boss when the company controls your commissions, downline, and products?

And on the policy page, they state that they can cancel affiliate memberships at any time for any reason without informing you.

License Requirement

It really sucks that on top of all the other requirements, a prospective affiliate is required to have an insurance license before they could sell the insurance products.

It Takes A Lot Of Time And Money

It is not possible to become an insurance agent without first passing an exam and obtaining a license. That will require months of sleepless nights of studying.

Low Success Rate

It is not a lie to say that 98 % who join an MLM lose money. Only 2% of the population, those at the top of a mlm, earn large sums of money.

People Helping People Review: Conclusion

Although People Helping People may technically fall under the category of a legitimate multi-level marketing company that sells financial services like insurance, they are only a third-party company. 

The amount you pay for their products is not worth it.

The commission you’ll receive is likely to be lower than what you’d receive if you worked directly for insurance companies as an agent. 

Why work as a middleman when you can work directly with the insurance provider and get paid more for it?

And, as the founder of a YouTube channel with millions of subscribers, Patrick Bet David understands the information age we live in. 

The People Helping People Agency website’s lack of disclosure to potential affiliates and customers is shady.

At the very least, a People Helping People Agency should be upfront about potential affiliate costs as well as the costs of the insurance services they offer. 

If actual costs differ geographically within the United States, even estimated cost ranges would suffice.

As to the compensation model, People Helping People Agency affiliates are required to purchase at least one insurance service.

This isn’t stated on the People Helping People Agency website, in their marketing materials, or in their compensation plan, but it’s a requirement that we kept coming across in our research.

People Helping People Agency’s required sales at each rank are designed to correspond with required affiliate recruits.

If an affiliate must purchase insurance, you will automatically have the same number of services sold as affiliates recruited. 

Having that in mind, why do the People Helping People Agency even bother to distinguish between the two.

In addition to being pay to play, this raises concerns about the company’s retail focus.

Affiliates of the People Helping People Agency have no incentive to focus on retail sales. 

They get the same financial benefit (if not more) by focusing solely on recruiting new affiliates who are required to purchase insurance.

If this is happening throughout the company, the People Helping People Agency could be running a pyramid scheme, though again that’s for the FTC, we can only call out red flags.

What Is Our Top Recommendation For Making Money Online In 2021?

Our review team has come across a program in the real estate industry that is next level! 

Although it’s not real estate in the traditional sense, it’s all digital. 

Yup, Digital Real Estate! 

Where PHP Agency falls short is in scalability.  

There’s only so much time in a day and there’s only so many people you can reach to sell by yourself. 

MLM companies know this!

Which is why they push so hard for you to recruit for your downline…you can’t get rich with it as a one man/woman show. 

But what if you could make even more money off of little local websites without having to spend hundreds of dollars on overpriced products and a bunch of time recruiting people to sell under you? 

With this digital real estate program, you can make recurring monthly income without constant sales to your friends and constant recruitment! 

Sound too good to be true?

Of course it does!

But it isn’t…in fact, business owners wish they had this skill! 

All you have to do is build and rank a LOCAL website and forward the jobs off to a business owner in town, you could even email it to them! 

This works for literally any service based business, tree service, plumbing, towing, etc.

How do you get paid and how much?

Simple, after you forward the jobs off to a business owner and he makes some money off of them, you simply ask to make the deal beneficial for each other. 

A fair price to charge per lead, depending on the industry is 10-20%…let’s just use the tree service industry for example and go by worst case scenario. 

Let’s say you build and rank the site and only 10 jobs a month come in. The average tree service job is anywhere from $500-$2000! 

That means at bare minimum you have an asset worth $500 a month! 

See why they call it digital real estate now? That’s a rent payment.  

The great thing is how easy it is to scale. You don’t have to worry about: 

  • Your upline getting paid before you 
  • Begging your friends and family to buy from you 
  • Recruiting people all the time 

Remember PHP Agency? You only get what’s left of the pie if you meet a monthly quota… 

The program we recommend actually allows you to collect HUGE FLAT RATE DEALS.

Truly passive income! 

The training program takes making money online to a whole other level. The owner of the program walks you through how to build and rank a site hand in hand, with the occasional voice over when he is sharing his screen. 

You will learn the importance of keywords, website name, how to send call notifications via email, backlinking, etc. 

Once the training program is completed you will also have access to a Facebook group much better than the PHP Agency MLM in our opinion. This group is much more active. 

Unlike PHP Agency, where you’re getting maybe $10 per sale, you could be getting 10-20X THAT.  

A business will always want more leads and another job. In fact it doesn’t even matter that the job isn’t coming from their website name…they see it as it is…expanding digital real estate. 

Unlike PHP Agency, more people have been able to walk away from their 9-5 job as well.  

Digital real estate allows you to have total passive income with most of your day being spent WITH your friends, NOT selling to them. 

Now, we know you probably have tons of questions…  

So, check this out to learn more. 

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