Plot twist. Just agree to it. Archived. I had mentioned in the beginning I used to be a barista for Starbucks, and then the woman who conducted my interview happened to mention she “used to be a barista” before PHP “changed her life forever.” I can’t tell you how much time I wasted going to meetings hours away from home, spending the money I barely had on training, food for when they “took us out to lunch”, and car rides there.. Now I can respectfully decline the invitation. DONT go that meeting, it's going to be very high pressure and high guilt and the chance of you signing something is high. He calls me waking me up and has a full script ready that relates to the concerns that were related back to him by Jack. I wasn't even allowed to see the contract until I completed this form under normal circumstances. I love the culture, energy and support from the associates and the management. Jack sat in the interview and took notes of it as a part of his 'training' and observed how they operated. Rising. Join. Dude, just got off a meeting with my old 'Friend' who tried to sucker me into this. ): Who WON? Here are some of the top performers and field leaders that are helping others achieve their goals and dreams in different cities and states across the nation. His intentions of calling me were to argue and not consult with me about employment opportunities. r/ PHP_Agency_Inc. In no way was I going to go for it, but I need to have a talk with the person that invited me to make sure they know what they are getting into. God I hate MLM businesses. This should be illegal if not. If you want life insurance engage the services of a good broker. PHP has an ethnically diverse base of agents and industry leaders who can connect to today's multicultural communities. Since this is the first thing that pops up on google obviously I'm not the only one with concerns. Here's a good PFwiki article on it. How much in life insurance is the right amount? I will not state that PHP Agency is doing such a practice, but I will however leave the information here for the reader to decide if they are or not. ____________________________________________________________________________________________________________. Posted by 2 years ago. I cant wait for the Feds to shut them down HARD like Vemma. Hot New Top Rising. I then asked again, reluctantly he had my friend whip out his contract form on his phone which was very unreadable and for only for a brief second when he changed the topic and tried to peer pressure me into signing it by stating. term4Sale is a good aggregator of policy quotes. Your employer is usually a good start for looking for policies. We have a savings and he invests in a 401k. Our mission since day one is to change an elitist financial services industry and in so doing, provide EVERYONE access to the best insurance products offered. So, the last time I got con'ed into going to one of these things the woman made me feel like an idiot because I had "term" life insurance and sait what they were selling wasn't the same thing. Thank you for all of this information! He or she then has to sell insurance products to people without even considering whether the product will help the customer or not. You dont have to buy anything you dont want they won't pressure you into anything, if they do you can simply request to speak to their upline since it's not how they supposed to run business. This thread is archived. Press J to jump to the feed. I have been with PHP Agency Inc. for 2 and a half years. I have been with PHP Agency Inc. for 2 and a half years. Is this a legit place to look for insurance? Other I'm meeting with a financial advisor soon (retirement account guidance, savings, debt, overall assistance) but a friend caught wind and wants to meet with me and my husband and says he can provide the service I'm looking for. The drastic time differences between the main text and the last text was due to an issue caused by my iPhone that I wasn't able to control. PHP Agency Reviews. As I didn't want to get scammed by this company I then used the excuse, "Sorry I don't have the $200, give some time to think about it. Joining PHP was the best decision of my life. PHP is a proudly diverse organization comprised of many cultures, races, religious faiths, and sexual orientation. CDO of PHP Agency Matt Sapaula shares 4 ways you can create wealth during the COVID-19 pandemic an unprecedented economic times. Sort by. do big companies think they'll make it? Information in (....) Is important for future, "Do you like sports" (Football and basketball), "What Job did you have before this" (Texas Roadhouse dishwasher, Keep this in mind for the future). My friend is involved in PHP Agency and has been calling me to go to a meeting. I mean when someone says don’t say you’ll think about, just say YES and ask questions later? The thing is, I know that my husband and I do need life insurance. PHP is a scam. It sounded really fake. Not defending PHP, my hairy white ass. Anytime someone starts talking all funny and you're not getting anything tangible like a car, boat, or something run. They all use the same scripts and promise "financial security" and are struggling to pay bills. which isnt a bad thing! However I will make up fake names to make this rant more clear. Reddit is a social news aggregation, web content rating and discussion website. The End of the interview (VERY SKETCHY PRACTICE): At the very end of the interview I wanted to sound interested to make my friend look better so I stated, "This sounds like something that I want to do and pursue.". Hot New Top. It's a shady business practice that I've experienced through another company I worked for. if you have no investments, you should start a budget r/ynab and (www.ynab.com), and find money so you two can start contributing to IRAs. PHP is an insurance brokerage where agents and agency owners are 100% commission incentivized, not for the weak of heart. Their "trainer"s calls have been really obnoxious telling me how my friend has been saying such great things about me, that she values my opinion so much, etc. The Company provides a platform for online communities to submit links, create content and have discussions about whatever topic that interests them. just with a recruiting standpoint because finance is dwindling in it's ability to hire on qualified advisors. We use cookies on our websites for a number of purposes, including analytics and performance, functionality and advertising. Management encourages their employees to continue learning new skills, be involved with the company activities, participate in fitness classes and care about getting the job done the right way. This again was a ploy to establish friendship and make it sound uncomplicated so you wouldn't have to put effort into making money. As soon as I sat down with the interviewer I was taken away by how well he's conversed, he's been doing this for a while. His only reason to call me was to be petty and try to prove me wrong. To someone’s point from quite a long time ago, sounds like it’s the same now...term policies are garbage, you need whole life insurance or LIRPs. Always remember that anyone offering you an opportunity you didn't work for has a reason for doing so and it's not out of the kindness of their heart. Is The PHP Agency legit? I've used SelectQuote three times over thirty years and have been happy with their services. The interviewer calls me on Sunday fully aware that I don't want to work for his company and that I ruined his chances of making money off of Jack and is upset. I mean they were even saying things like the difference between a successful person and an unsuccessful person was the ability to make a decision that once this finished when our “rep” (person that invited us) called us back...don’t tell them we needed time to think about it. also think about what they're doing. That they became a self made millionaire by using this system, how there were insurance policies and functions around taxes that we were not aware of. Background information: A few weeks back a person that I've known, let's call Jack, was hired for this company and was required to bring in a person for an interview, which happened to be me. This company is based in Addison, Texas. They have nothing that is worth your time. Yeah, no thanks. THIS IS A TOTAL SCAM. I then convey my concerns to him using text so I don't have them twisted by a man that's a scam artist who know how to turn words on people. And as this is on google I'm simple relaying already provided information on the internet into a new format, which is not slander :). On top of this he began to oversimplify the selling of life-insurance. A few weeks back a person that I've known, let's call Jack, was hired for this company and was required to bring in a person for an interview, which happened to be me. They are only a couple of years out of HS their self. card. The amount of support and free training they give to all their members is unparalleled, and the systems do indeed breed results. I never saw the value in personal growth till I joined the company. In the insurance industry, each state requires individuals to obtain a life insurance license (to become an agent) to earn a commission paid by life insurance carriers. He started comparing myself to him and said things like. Furthermore if you continue to dig on google you can find dozens of more articles explaining the business practice's of PHP Agency in greater detail. again, Im not defending them and I have no purpose to be defending them...but pyramid schemes are illegal, and it's highly unlikely that pyramid schemes can be operated in the most regulated industry in the USA (finance). The whole thing just felt forced. This was enough evidence for ourselves to believe that this company was bullshit. Can you recommend places to shop for life insurance? As a parent and adult are there other investments I should be making? PHP Agency is a financial services company selling term and permanent insurances, debt settlements, 401k rollovers, and more. PHP Agency Review At A Glance. They dont have to. NO LEADS TO BUY or DEPEND ON! Chances are it's an MLM or similar...could also have a similar pay structure to Real Estate like most do! We needed to get a $200 insurance license, then start signing up for their classes which were going to teach us how to sell these insurance policies. I was approached by someone in PHP recently and was asked to join a Zoom call. Close. PHP Agency, Inc. is headquartered in Addison, Texas. for that, look into term life insurance and get a policy that would cover lost income until your children are on their own and earning (i.e. I believe one of the things we were told was just because we’d never heard of them before did not make them untrue. Part of me isn't sorry if I woke him up tho. Repost. Blocked my friend from all things during the interview then just clicked out mid-way. This is definitely not my area of expertise and I'd appreciate all help and guidance you'd be willing to give me. It's founded by known finance expert Patrick Bet-David, or Valuetainment as we know him. He would bring you to a hallway plastered with pictures of how you're able to travel, make money, have fun experiences, and party. 8. GIMME MY MONEY BAAAACK. if you choose to do research in the future, look into more about how a company is doing. I’ve been in and out of corporate jobs my entire life, I was in the military, I ran my own businesses, but nothing compares to PHP. Major Paparazzi Agency Bankrupted by Meghan Markle Legal Battle. ________________________________________________________________________________________________________. When I did this he refused to continue conversation with me as he was unable to twist my words scared of the fact that I'm providing facts and they are getting called out by a highschooler who's barely a legal adult. Jobs; Companies; Salaries; Interviews; Search. Really cares for his people and wants us to develop and make more money. SHEENA & MATT SAPAULA We have a kid, no real investments, and I know they say you should always have life insurance. Look, get rich quick schemes are not new and have been around for at least decades. What questions should I be asking? So I guess it's karma? Press J to jump to the feed. As for PHP Agency, our company is a recognized organization partnered with top-rated insurance companies. Posted by 3 years ago. View All num of num Close (Esc) See All Photos See All Photos. This thread saved me fr, I was just about to say eff it & really get involved in the interview process. We invested in some penny stocks that are doing okay but I definitely want to do more than that. One guy joins there as an agent. Please respect r/php's rules. These figures were ridiculous and were obviously praying on people trying to make quick money. Then pointed out that not many seemed that interested on the call, but that was OK because they were an elite company and only 10% of us would actually join the company and only 5% of that 10% would get to work with the presenter, who again was a high level executive in the company. I AM NOT TRYING TO HARASS THIS PERSON. (Involves $200 Sign up fee and my information). Each of these elements is a component of agency as a whole. Twisting my words in a way to confuse me. It's you who should be trying to sell yourself to a company. The agency leaders across the nation starting with the CEO are extremely sales and leadership driven. Because of this I'm bringing them to the public by starting an open discussion while also being able to inform others about this MLM scam. When I arrived to the establishment of where the interview would be taken place I was quickly introduced to by a front desk person who asked questions like. I'm so glad that this is out there. You’re clearly defending them lol. they'll probably push shitty whole life insurance policies, which are less efficient than IRAs and 401ks. In the insurance industry, each state requires individuals to obtain a life insurance license (to become an agent) to earn a commission paid by life insurance carriers. In the Zoom call we were given a presentation where we were told the person that was going to be speaking with us was a very high level executive and he was taking time to talk to us about this wonderful business opportunity. Thank you for this. The company uses the MLM business model to recruit and offer agents the dream of business ownership. PHP Agency is a national, financial services company started in 2009 with humble origins and a grand vision. I was given a basic version of this when I asked an acquaintance what he says when asked if he was in a pyramid scheme. ________________________________________________________________________________________________________________. Just be sure to buy pure term - 20 or preferably 30 years. Glad I did some research as I was on the fence on if this was legit or not. As for PHP Agency, our company is a recognized organization partnered with top-rated insurance companies. They fucking got me when I was broke as hell on the verge of being homeless! While people dont like the way php agency grows their company, yes it's an MLM, it represents 20+ different companies(John Hancock, nationwide, mutual of Omaha, to name a few) that they can shop around for and give you the best product based on your needs while also educating you on the basics of how insurance works. I had a friend recently contact me about his interest in becoming an associate of this company. Knew it was a pyramid scheme and just let them rant on to waste their time. STAY AWAY. https://www.youtube.com/watch?v=aIsFHdK2o4I, https://www.youtube.com/watch?v=W1Q3Fx9nWOk. I just felt like you could use some further clarification. They even went as far as offering to drop by my parents’ house to “convince” them. The job was listed on a local “jobs/help wanted” page. r/PHP: Share and discover the latest news about the PHP ecosystem and its community. Absolutely livid. 1. In the insurance industry, each state requires individuals to obtain a life insurance license (to become an agent) to earn a commission paid by life insurance carriers. Everytime I see someone on Bumble Business thats in PHP, I know they are full of shit. Management encourages their employees to continue learning new skills, be involved with the company activities, participate in fitness classes and care about getting the job done the right way. My husband is the current breadwinner because I went back to school. Price: PHP Agency doesn't disclose the total cost of joining the MLM.Figure of around $600 came up but is yet to be confirmed. I will also leave two short 3 minute youtube videos for people who don't know how to spot a pyramid scheme to educate the mass's. They taught me about personal development and reading books. Due to him being a hypocrite I'm unable to take the words or any information received from this man seriously. Authentic or Charlatan (Contraprenuer, Fake Guru? Thank you, I just found out about this company via FB. I know they say you should always have life insurance, fuck no stay far far away (r/antimlm). I was approached by one of their agents and I'm trying to research more about this company because I got the pyramid scheme vibe from them. They even tried to guilt me out of bailing out because "everyone" is looking forward to meeting me since "she talks about [me] so much". In the presentation (I’m not giving ANY names, just examples) we went through the motions - gave stories about how the presenter was like we probably were; not financially independent and now they were. The presenter was essentially telling everyone they’d be a sucker if they didn’t do this, that they’d remain poor for the rest of their lives, and even went as far as to compare the Rockefeller family to what your family could eventually become after several generations. Even went as far as to google some of the things for us and showed us. PHP Agency apologetics. save. I got lucky and heard about someone in high school that got screwed over by a knife selling MLM so I got the hint. These pictures of them included them partying and drinking paid for by the money they scammed off of people. share. Press question mark to learn the rest of the keyboard shortcuts. Agency has also been defined in the American Journal of Sociology as a temporally embedded process that encompasses three different constitutive elements: iteration, projectivity and practical evaluation. As always, I’m so thankful I did a little research beforehand. Lol. life insurance is there to protect your non-earners incase the earners die. ", I leave the building with Jack where I straight up tell him, "This is a scam dude, call me later so I could give you the facts.". My friend is involved in PHP Agency and has been calling me to go to a meeting. PHP Agency, Inc. provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without r CoffeeZilla vs Patrick Bet David (Valuetainment). Not like I was to begin with, as he tried to scam me. chances are no...but it just wasnt for you. I love the culture, energy and support from the associates and the management. "I don't know how you got this interview", "This man doesn't take interviews from anybody, you must have a great record", "He's the leading man in the business world of life insurance", "He doesn't have a lot of time, consider yourself lucky". Cons: Does not disclose important details, low success rate, unrealistic claims. Splash News & Picture Agency, which has been fighting the duchess in a … To begin with I will not be sharing personal information such as names, contact numbers, faces or any information that will be linked back to a specific person. Multi Level Marketing (MLM) schemes are a drain on our society. "I quit working as a dishwasher and my day job since I started making money by working here" (Implied that I'd be able to do it the same using the info he gained from his hype man). Right now, we’re looking for a Senior PHP Software Engineer who will be responsible for working with the Development team to write well-designed, efficient code by using best software development practice. Paid 200$ out of my last 600$ because they really hyped it up and made me feel like I could change my life and gain some skills, and then everything kept costing more money, I had no car, they pressured me into giving them family/friends information, building a script, tactics to argue with people as to why they “want/need” our services, play on your emotions, and they did the same thing to me with the whole “establishing ‘friendship” thing. You will also take part in code reviews, architecting and … As for PHP Agency, our company is a recognized organization partnered with top-rated insurance companies. New comments cannot be posted and votes cannot be cast. Archived. At this point the interviewer knows that I'm not interested and don't want to work for a company that I won't gain anything from. This is because I was awoken from my slumber by this man barraged by an unwanted argument. so please dont get upset with me. best. We went home and did some research on 'PHP Agency" and found that they are known for doing MLM Scam's. The CEO, Patrick Bet David. I hate this company for so many reasons. What a lying sack of shit. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. 99% Upvoted. (Not to overwhelm the person he's interviewing), "Do I look good at math" (He was using simple 2nd grade math). Edit: If it wasn't clear: do not even show up to the sales pitch. just tell them anything. Furthermore if PHP Agency is reading this, it's not slander, it's freedom of speech and the movement of information from person to person using legal means. again, im not defending either side, and im not affiliated with them. Definitely defending PHP. Any company which has to sell you on how great they are is a red flag. report. I was contacted by someone at PHP that wants me to come to their open house tomorrow and meet some of their top sales people. Furthermore if PHP Agency is reading this, it's not slander, it's freedom of speech and the movement of information from person to person using legal means. He joined the company and has a link to schedule an interview . Jack gets angry since they've wasted his time and money he relays hims concerns to the person who did my interview. Me: "Nobody is going to buy life insurance from a barely 18 year old with no job experience or education. Their "trainer"s calls have been really obnoxious telling me how my friend has been saying such great things about me, that she values my opinion so much, etc. He gets term life through work, is that enough? Do you know what that means? Thank you for writing this article in depth. "It's always better to capitalize now instead of later.". We're both barely 18 still in high school, which most certainly was preyed on by this company as it's making it's rounds throughout my high school. Essentially the whole hour was about how he was just like us, college is worthless, only way to make money without any risk was their method, and wrapped up by playing on everyone’s emotions by talking about health of their parents or loved ones, and how it costs a lot of money to do that. PHP Agency, Inc. is MLM done correctly. level 1. They tell you up front that the work will be difficult at times and that it is best to switch from Part-time to Full-time slowly. At this point he basically was demanding that I signed this form. 2 years ago. The PHP Agency has helped me in many ways outside of making money. Should I be looking into different life insurance? Do you see Apple, Facebook, Amazon, knocking on peoples doors and displaying cheesy videos on how great they are - hell no. Its participants either build the pyramid taller, or get squashed by it. I'll start looking into IRAs. Is PHP Agency a scam? At this point I knew it was a scam so I restated. I have no affiliation to PHP and I'm not defending either side....but if your main source of research is reddit, and the first results on google...high school failed you. Some of the pictures on the wall were of the people who run this scam at this location. Thanks in advance! PHP has a platform like no other. Like who invests in them! The fact that they prey on kids with no work experience because they won't know any better just shows they know what they're doing. I went into this fully unaware of what PHP Agency was, and was currently looking for employment so I went. He opened up with some questions about me and then started using the information that I provided in the lobby and the information he gained from the person who brought me in a way to give himself credibility and establish 'friendship. And this person also has to recruit other agents and earn commissions from their sales. Pros: Nothing that we can think of. Every individual life insurance agents at PHP Agency has a unique story and background. Thanks! ", Him: "You own a business with your brothers why would people buy products from you?". PHP Agency? and he stated you'd be able to see it after you complete the form. She's a friend, I'm just learning she isn't the brightest. This was all a ploy to become 'friendly' with me and establish a sense of trust to make this company seem less scam like. Right then he whipped out a form since he thought he had me hooked. Scammy. Through the network marketing philosophy and PHP Agency social media presence, you'll build an endless list of referrals as clients and candidates to enter the insurance industry. PHP Agency was launched in 2009 by Patrick Bet-David. If I do end up getting sued by PHP Agency it's due to the lack of engagement by this specific interviewer who was not addressing my concerns threw DM's. PHP Agency is nothing but a pyramid scheme. Hot. Just quote out some term life insurance. About: PHP Agency is an MLM insurance agency owned by Patrick Bet-David. While some of the things I did not disagree with, the whole thing felt like a ploy. The fact that the company is relatively young and is an MLM worries me. I mean we hang out and our kids have been friends now. any cash beyond that will be much more efficient in retirement and general investing accounts. At this point I hung up since it was pointless to argue with this person as it was "unprofessional" in his words as his sole purpose of calling me was to argue. are they actually running a scam in the USA in FINANCE? I don't have much debt. PHP Agency is a multilevel marketing company, meaning that it makes money when people recruit lower-ranking members, who then funnel their sales commissions upwards. until you two are 50 or 60 years old). He made this account to make this comment and nothing else. New comments cannot be posted and votes cannot be cast. 54 reviews from PHP Agency employees about PHP Agency culture, salaries, benefits, work-life balance, management, job security, and more. Often these reviews would be very vague. He asked questions like this so the "Hype Man" can over hear and relay this information back to the interviewer, who would use this time I was in the lobby to format the information which was received into his interview. I don't have any assets and really all I need is to know if I or my husband...or both, die our funerals would be paid for and maybe a little something for our kid. You're under no obligation to expose yourself to some scammy sales pitch just because your "friend" (hint: not a friend) compliments you. I will be sharing it with as many people I can. PHP Agency? General bullshit like this was said. hide. Join our community, read the PF Wiki, and get on top of your finances! Is this company legit? 17 comments. The documentation of how much money I would be making, that he was referring to, was specifically made on one laminated piece of paper so you wouldn't be able to make copies of them to take home. I plan on working with my brothers start up company because of dreams. This thread was only created to educate and inform other's about MLM's and Pyramid Schemes in hopes that people don't waste there time and money with these types of companies. His only purpose was to Hype up this company and increase the credibility of the person doing the interview. I used to work for a company that would required employees to leave only 5 star reviews. We use cookies on our websites for a number of purposes, including analytics and performance, functionality and advertising. Companies. Furthermore his call was not a way to address my concerns, it was a short call less than 5 minutes that was just a verbal argument that involved the twisting of words and lead nowhere with zero professionalism, and as this wasn't a way to address my concerns I dropped the call and relayed them via DM's. card classic compact. ', "My father was a ___________" (Don't want to provide detains not trying to get sued but related to info he gained from hype man), "Oh I used to be a _____________" (Obvious bullshit from the info he gained from my friend) (Not trying to get sued). Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Press question mark to learn the rest of the keyboard shortcuts. High standards culture yet also very multicultural and fun. Jack sat in the interview unable to take the words or any information received this..., him: `` Nobody is going to buy pure term - 20 preferably... Husband is the right amount about the PHP ecosystem and its community for and... Had me hooked across the nation starting with the CEO are extremely sales and driven... Was asked to join a Zoom call probably push shitty whole life insurance the,... These figures were ridiculous and were obviously praying on people trying to sell yourself to a meeting thought had! Doing MLM scam 's anything tangible like a ploy to shop for life from! Money they scammed off of people 'm not the only one with concerns run this at... Young and is an MLM insurance Agency owned by Patrick Bet-David, or something run want life insurance engage services. R/Antimlm ) unwanted argument okay but I definitely want to do research in the future, look into about... That will be sharing it with as many people I can are it 's shady. Yes and ask questions later went home and did some research on 'PHP Agency '' and found they. Felt like you could use some further clarification the weak of heart taught me employment... 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