June 29

by Michael

Are you looking for Superior Life Insurance and or a winning Life Insurance agency so you can win your freedom faster and be able to help people for Life and beyond?

Welcome into this PHP Agency Review where I “Michael” will be pulling back the curtains to reveal to you all the TRUTHS about PHP Agency and go over the pros and cons, alternatives, and so much more so you can finally move forward with 110% confidence and certainty that you’re making all the right moves, but first…

Let’s answer the question at the top of your mind - Is PHP Agency Legit? Yes, they are, HOWEVER, that leaves even a more important question unanswered…

Are they the Best for you? Stick with me until the end of this post so you can find the Ultimate answer for yourself and this way you can also see the better alternative approach many people are taking advantage of right now.

Alright, let’s get into the post.

What Is PHP Agency? 

PHP Agency is Life insurance marketing organization that gives people the platform, training, and support needed to not only acquire Life Insurance themselves but also succeed as an insurance agent in the industry. The founder of PHP Agency or in other words, People Helping People is Patrick Bet-David who is a well-known entrepreneur and public figure. 

Why PHP Agency?

For one, they have the leadership, and two, the ecosystem to deliver people with a long list of the right products/services. They also have strong carrier partners so you get the best to work with.

Let’s go deeper inside now.

Going Inside PHP Agency

When you land on the “Home Page” of PHP Agency here’s what you expect to see:

As you scroll down the page, you’ll get to learn a little more about PHP Agency and their way with their life insurance and career for life:

php life insurance career

In case you were wondering what the “demographics” of the kind of people with the backgrounds that make up PHP Agency, they are:

  • Race = 42.15% Hispanic/Latino
    • 32.77% Black/African American
    • 13.83% White/Cacuasion
    • 11.25% Other
  • Gender = 53.23% Women
    • 46.77% Men
  • Experience = 90.53% have no prior experience in the field
  • Military = 5.95% are Military veterans
  • Average Age = 35 years old

Now let’s take a look at the products offered by PHP Agency…

PHP Agency Products And Services

  • Term Life Insurance. With Term Life Insurance, this is coverage provided for a predetermined amount of time which is typically between 1-35 years, and has a death benefit that will payout if the policy owner passes away within the term of the policy.
    • This is a cost-effective option for more so younger families or individuals who are looking for more affordable coverage.
    • There is no guarantee of your renewal when the term ends, but certain term policies may allow you an option to renew.
  • Return-Of-Premium Term. This helps return All contributed premiums if the insured outlives the term period.
    • In the market, premium returns can start as early as the second year.
    • There is life insurance protection placed if needed and return-of-premium investments if not.
  • Indexed Universal Life. This is a permanent policy similar to a traditional UL policy through their flexibility of premium and death benefit
  • No Medical Exam Life. This happens to be a very simple and affordable life insurance designed to cover expenses like medical bills and funeral costs that also include plot and mortuary expenses, and all this can help protect your loved ones from their future financial burdens. This will provide permanent life insurance coverage with flexibility and long-term growth potential.
    • There’s up to $250,000 in death benefit
    • There is no medical exam or blood work required.
  • Fixed Indexed Annuity. With these, premiums are tied to an index and created in a similar way to all IULs, as with the IULs, Fixed Annuities offer principle protection and a death benefit with the possibility for gains that are contingent upon the market performance.

Carrier Partners PHP Works With…

PHP Has reputable carriers and their partners include:

  • American National
  • National Life Group
  • AIG
  • National Western Life Insurance Company
  • SILAC Insurance Company
  • North American 
  • F&G Annuities And Life
  • Mutual of Omaha
  • Foresters Financial

Now that you know the carriers, let’s talk about the opportunity to partner with PHP as an insurance agent…

PHP Insurance Agent Opportunity Overview

I’m sure you’re wondering how much you can get compensated with the PHP Agency Insurance program, and I’ll get to that but in the meantime…

There are 8 key distinguisnuing points that makes PHP Agency the place to choose and be, they are:

  • Diversity
  • Training
  • Tech Enabled
  • Compensation
  • Marketing
  • Home Ofice Support
  • Mentorship
  • Recognition

PHP Agency Compensation Plan

There are a total of 11 levels in the compensation plan with their commission percentage next to it and they are:

  • LEVEL 1: Trainee at 30% commission
    • You are to complete a new associate agreement
    • You complete week 1 of PHP System Flow
    • You are to qualify for Fast Start School
  • LEVEL 2: Associate at 40% commission
    • You were to have 3 direct business partners
    • You have 3 sales
    • You get 3,000 points
    • Within 30 days
  • LEVEL 3: Field Associate (50%)
    • You are licensed
    • You have 1 direct associate
    • You have 15 base recruits
    • You have 15 sales
    • You have 30,000 points
    • IF you fast-track in 30 days:
      • Licensed
      • 10 base recruits
      • 10 sales
      • 10,000 points
  • LEVEL 4: Director (60%)
    • 2 Direct FAs or 1 Direct FA + 2 Direct Associates
    • 6 Licensed Agents
    • 30 Base Recruits is what you have
    • 30 Sales acquired
    • 60,000 points
    • IF you fast-track in 30 days:
      • Licensed
      • 25 base recruits
      • 25 sales
      • 25,000 points
  • LEVEL 5: Markaring Director (75% to 115%)
    • 3 direct FAs or 1 Direct Director + 1 Direct FA
    • 15 Licensed AND appointed agents
    • 50 base recruits 
    • 50 sales
    • 100,000 points
  • LEVEL 6: Senior Marketing Director (77% up to 117%)
    • You have 2 direct MDs
    • You have 60 licensed agents
    • 100 Super Base Recruits
    • 100 Super Base Sales
    • 200,000 Super Base Points
  • LEVEL 7: Executive Marketing Director (78% up to 118%)
    • 4 Direct MDs obtained
    • 120 Licensed agents
    • 200 Super Base Recruits
    • 200 Super Base Sales
    • 400,000 Super Base Points
  • LEVEL 8: Senior Vice President (79% up to 119%)
    • 6 Direct MDs
    • 180 Licensed agents
    • 300 Super Base Recruits
    • 300 Super Base Sales
    • 600,000 Super Base Points
  • LEVEL 9: Executive Vice President (80% up to 120%)
    • 8 Direct MDs
    • 240 Licensed agents
    • 400 Super Base Recruits
    • 800 Super Base Sales
    • 800,000 Super Base 
  • LEVEL 10: President’s Council (81% up to 121%)
    • 10 Direct MDs
    • 300 Licensed Insurance agents
    • 500 Super Base Recruits
    • 500 Super Base Sales
    • 1,000,000 Super Base Points
  • LEVEL 11: Chairman’s Council (82% up to 122%)
    • 12 Direct MDs
    • 600 Licensed agents
    • 600 Super Base Recruits
    • 600 Super Base Sales
    • 1,200,000 Super Base Points

There is also the Great Equalizer Program:

  • There’s an up to 40% Bonus override on Base Only:
  • 5% Bonus: 10 Base Recruits/25 Base Applications/25,000 Base Points
  • 10% Bonus: 25 Base Recruits/25 Base Applications/50,000 Base Points
  • 20% Bonus: 50 Base Recruits/50 Base Applications/100,000 Base Points
  • 30% Bonus: 100 Base Recruits/100 Base Applications/200,000 Base Points
  • 40% Bonus: 150 Base Recruits/150 Base Applications/300,000 Base Points

On top of all this, there’s a Generational override that will be very helpful.

Is PHP Agency A MLM?

Yes, PHP Agency is an MLM/Network Marketing company as you can now tell with their compensation plan. MLM tends to be looked down upon as it makes it hard for many people to earn anything signficant...

Many people focus heavily on recruiting of people/agents in any MLM n general to no avail. The old MLM model makes it hard for many people to want to get up every day and do this but like anything, you're not guaranted things, and the results are based on your efforts.

Is PHP Agency A Pyramid Scheme?

No not exactly. There are products involved and there are customers that are not all agents just getting life insurance themselves only to then share it with other agents if so. 

To Sign up as a PHP Agent you will have to request information on a page that looks something like this:

php agency life insurance agent

You’ll be asked to input your:

  • First Name
  • Last Name
  • Email
  • Phone Number
  • City
  • State/Region
  • Postal Code
  • How Did You Hear About Us?
  • Choose the option that best describes you
  • Are you a licensed agent?

How Much Does PHP Agency Cost?

If you are affiliated with PHP Agency, you must complete an execute their New Associate Agreement (NAA) and pay a one-time fee of $199. This enrollment fee will include administrative processing and certain educational materials, licensing resources, and support services.

Additionally, a required annual fee of $99 for Associates and $180 for Marketing Directors is due via commissions for the PHP platform which will include access and the utilization of the PHP “Bamboo” Associates Back Office, PHP “Quest” Education Website, the PHP Mobile App, and other services and resources.

As far as refunds go with the NAA, a newly enrolled Associate has 3 business days from the enrollment date (the date the $199 was paid) to provide PHP Agency, LLC a formal request for a refund. This formal request may be made via email to support@phpagency.com

PHP Agency Reviews

Here’s what other people are saying about PHP Agency:

php agency reviews
php agency testimonials

Here's more for the PHP Agency BBB Complaints that weren't so good:

php agency bbb complaints
php agency complaints

Pros and Cons:


  • You have great and proven providers so you can rest easy knowing you're getting the best look at getting the best life insurance policy for you and your family
  • 27,000+ agents and with licenses so you know you're getting accurate support and you're connecting to quality help.
  • Many options from Term Life Insurance to Fixed Indexed Annuity so you're getting exactly what you need and what's best for you.
  • Opportunity to partner as an insurance agent so you can help people get the right life insuruance for them and their needs
  • Good compensation plan for life insurance agents so you can grow into deeper levels.


  • From a life insurance agent point of view in general, it could be mentally draining working in life insurance and you may not enjoy the routine of showing up to do it every day. 
  • Cost to get involved.


There are definitely other insurance agency programs out there and ones I’ve done a review for in the past such as Family First Life Insurance, Bankers Life Review, Symmetry Financial Group, and Virtual Financial Group, but I’m going to give you an even BETTER alternative you likely didn’t see coming…

This alternative has the chance to bring you residual income month after month after month (like the energizer bunny keeps going) without having to start at $0 and scratch each and every single month (Keep reading below to find out what this is)...

What better way is there to be in business than to know you can expect something coming in each month without having to scramble for the next client, worry about if a client will say yes to your service and offer?

That alternative and alternatives are:

Disregarding the last two alternatives above you begin to wonder...how do you get residuals from business loan brokering and what is that industry? Well, for one, you can team up with an organization that has a passive residual income stream built for getting clients' funding…

And as a business loan broker or business funding agent, you can help clients get funding for their businesses so they can keep building, growing, expanding, and getting out of a tight pinch without needing a license - Due to it being commercial lending. Sounds cool but what if you didn’t get a client funded…what then?

The great thing is there’s a company I’ll introduce you to soon where you can help clients get funding, there’s a great pharmacy program they have, healthcare, ID Protect and others…

They also allow you to build a team of agents (which I’ve been building for some time now). If your agents get a client funded, you can get a percentage of their personal client(s)...

If you refer people to the pharmacy program, that’s $10 per person every month, and there are other programs to like credit card processing with payment processing.

I’ll do you one even more…What if you didn’t have to service a client with funding because you didn’t want to and or you just couldn’t make it work well enough for you?

I created a cloned business and system you can clone with my done-for-you videos, pages, templates, emails, scripts, and plenty more that features this funding program with other amazing programs/products of which the majority have a residual component…

This way you can piggyback off those affiliate products and promote them in a very systematic and highly engaging way. I invite you to check that out here:

What I Liked Most About PHP Agency

I do really like the reputable carriers and partners PHP Agency has as that gives them a lot more credibility and different options to match the right person with the right carrier. There’s more versatility and options for someone looking to take on the right life insurance policy for them whether that’s Term Life Insurance, Return-Of-Premium Term, and or others.

What I Liked The Least

I wouldn’t say it’s PHP Agency directly related but just that there are a lot of options out there for consumers to get insurance and may be overpaying and it could be hard for them to get out of something they no longer wanted and needed.

Final Thoughts

What did you like most about PHP Agency? How about the least thing you enjoyed about them?

Life insurance is helpful and it gives you and your loved ones a piece of mind, knowing that you can take care of one another makes the biggest difference. PHP Agency has and continues to serve many people and their families and they have the right licensed agents to be able to do it…

Which brings me to my next point - If you’re looking at the opportunity to be an insurance agent, there are clear advantages to doing insurance such as getting training for it, mentorship, the compensation plan and more but you have to dig deeper…

You have to ask yourself if this is what “YOU” want and who “YOU” want to become. Don’t just do it because you want to make the most amount of money but look deeper internally and see what’s giving you the desire to want to do it…

And if it’s not strong enough or you feel like learning other skill sets in a different area such as business loan brokering and the affiliate model in that (which I strongly prefer and recommend)...

Then I invite you to check out my #1 recommended business funding opportunity and cloned business where you can piggyback off other products to build yourself a residual business that will stand the test of time…Here it is:


Hi my name is Michael Granados, and I am an online home business owner with years of experience learning and moderating the online world. I’ve managed to build my online credentials, and I would like nothing more than to help others achieve the same desires.

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