People Helping People

The cars arent fake but what they do is lease cars so the young gullible pigeons with cheap business suits fake Rolex pose next to them and take a picture. They also lease the car for the fake agents who are recruiting the most, kinda like what Mary Kay does with there top salesmen. Its all made to look like they are making big time money to lure young suckas in (selling lies). but its true that no one is driving a nice car, has a nice house ect. only the top liars are making it. fuck em, start your own business. Theres many way to make money. May God have mercy on their souls because theres a special place in hell for people who operate pyramid schemes.

i feel sorry for the people who join. This is a Pyramid scheme that targets Latinos like herbalife . The only people making money are the narcissist at the top recruiting, because thats how they trap you. Be your own boss and start your own business dont join this cult.

PHP in my opinion is no different than WFG! Selling IUL policies to people mainly because it make the company and agents a high commission!

An ILL policy is really a Annual Renewable Term policy with a very poor savings plan attached!

Most of the agents selling IUL policies don't even understand what they are selling! All they really know is it pays good commissions and they repeat what has been told to them on in the selling points!

From an agents point of view selling IUL policies is good but at the expense of the client! For the client this policy gives them much lower insurance coverage at a higher cost!

I can keep going on and on about how bad IUL policies are (cash surrender charges, loan fees, NO cash saved for 1 or more years, ect.) and I suggest people do their research before being SOLD such a poor protection product!

Hope this helps!
I'm always at the Galleria if you need help understanding how cash value policies work!

Raul G.
Glendale, CA.

This company they make me join with the pressure. Everybody talking big but nobody driving the nice car accept the big shots.

I feel pressured to make the join and make no money but spend money all the time.

They say if you no bring us people we done help you.

Make me sad I loose the money on this company.

Only people that make the money is the big peoples on they top.

No one can force you to do something you don't want to do. In my opinion, PHP is an excellent agency not only that teaches you how to be organized with your money, but the phenomenal leaders and mentors give their all to help you not only become financially secure but also invest in YOUR personal development as a leader. People with closed minds are scared to push themselves to higher grounds. They give up after hearing some bad reviews or after things become difficult. I rather be a risk taker towards a specific vision than settle for a mediocre job with no stability. Best of luck for the pigeons.

I was recruited by my friend with the idea of building a businesss and live on residual income and of course I started by paying a fee for signing up taking the class and then went to their rraaraah meetings. All they did just throw speeches but nothing to learn about insurance of course you buy insurance and bring a list of 25 more suckers to call and try to join after you. Question that have been answer is if I start selling the first ten policies I must split my commission and is there a residual and if I quit my book of business is absolutely gone. If my customers cancel their policies of course is all gone too. I will look into more reputable companies that don't charge you a fee to sign up and teach you the business upfront and let you see the clear picture upfront. I love sales but I am very realistic don't like to fool people and get rich of the poor and uneducated people.

Been approached by Iliana Gonzalez in Santa Barbara area. She has scammed multiple people in LA area before moving to SB.

She is a good bullshitter and scammer that will get you into their office with an appointment without even telling you what her SCAM company is doing. Watch out for her kindness and nice words that will make you fall for her BS!!

PHP or PEOPLE HELPING PEOPLE IS A SCAM. It's nothing else than a PYRAMID SCHEME SCAM.
Do not waste your time. WATCH OUT!!

Facebook link: https://www.facebook.com/profile.php?id=100000015142410&fref=ts

This is the leaders from PHP Agency known as the People Helping the People.

Matthew Sapaula, Matthew Sapaula Inc. ...

http://www.ilsos.gov/adminactionssearch/adminactionssearch?command=viewPDF&itemId=92%203%20ICM7%20PRODCMZ13%20SE_AA_MgtView59%2026%20A1001001A12K29B62237F1377118%20A12K29B62237F137711%2014%201051

Than You tell me is honest company?

No one making any real money except maybe 10 peoples.

If you making so much money and driving fancy car give your name and show us your Maserati and show us your 2016 tax return. Bloc out your social security number.

Upload your pictures wit you fancy car.

Its crazy how people are mad about something they aren't apart of. PHP is looking to help the community and those seeking better employment opportunities. Whats a pyrimid scheme? people say its those that make money of off everyone else below them but they do that anywhere if you think about it. Fast Food, Retail, Packing, Fields, Doctors, literally everywhere. You start at the bottom there's those above you who make money off of you like your boss, your manager, your ceo, and anyone in a higher position. Its a system used everywhere. So what really is a pyramid scheme.
PHP has some of the best mentors that help you achieve your goals. They don't tell you what to do, no one holds you accountable for your job, why? Because that's your responsibility if you want to succeed. They will train you in every aspect of the business but its your decision to move forward or stay comfortable. There is endless possibilities with PHP, hard work gets rewarded with recognition and free trips to other countries all paid for. Tell me when was the last time your employer did that for you. Instead you help your employers dreams come true when you work for them. If you don't succeed with PHP you can definitely learn a lot in regards to getting knowledge in how to starting up your own business.
Because of php i am now more independent, more organized, and I self-develop a lot more we are to busy working to counter act a lot of there's horrible reviews of people who quit or never gave it a try.

im 20 years old, been in the business for 1 year, and now I'm driving a 2017 Maserati. I'm traveling all over the world and country, making a great income. And guess what haters? YOURE NOT! So since you want to talk crap, go flip a patty and ask for a raise!

PHP scams hardworking families out of money to join their company making them think they will become rich.

They also sell policies to people that can't afford them.

The owner, Patrick Bet David is a real sleazy character acting as if he is the second coming.

I met this guy at one of the offices and people just follow this guy like a cult leader.

I lost a lot of money because of this company over the last 6 month I was affiliated with them.

They will drain you and kick you to the curb.

Join a reputable company like Transamerica. Better commissions and less sleaze and deception.

Just like so many ppl I am a skeptic. I do my research on everything. The life insurance industry is a wonderful industry to be apart of for those of you that actually do research and not just listen to people we will never see,hear,or touch. Life insurance has been around since the ancient Rome times. Its has since then evolved with many different life insurance products which again if you do actual research on the different products and not just from ppl again you cant See, Hear or touch you will find that one of them might suit your needs.

Now you can get into the industry many different ways

1. you can go to a more traditional home service platform (home service agent)
-you get a book of business
-you door knock
-you collect monthly premiums either through mail or driving to the clients home
-you have a manager helping you along the way most time its once a week
-when you leave clients stay with the company
-you have turn in days of premiums you collected through the week twice a week

2. you can go with a more independent agent working for a brokers office
-you find clients
-your broker will agent train you
-when you leave your broker keeps your book of business
-your license is captive (you cannot sell any other company products but the company your working for)
-you have a known name company that ppl recognize
-you have training classes typically once a week

3. lastly you can go with a platform of independent agent/broker
-you find your own clients
-you can become a broker
-you keep your clients
-your not captive to one carrier
-you have to put in all the work
-you have training classes twice a week


so here is how I see PHP and the other firms that act on the platform of #3
why wouldn't I try something that #1 I know is an industry that has been here for quite some time #2 I get to keep my clients if I choose to walk away

Scam is a word these days that ppl throw into their vocabulary so easily. If we look at many different Industries that take ppl's money and offers them success we would think the whole world was a scam.

lets look at Gyms
ppl pay a monthly fee with down payments with skinny ladies and buff men walking around like its going to be easy to get in shape. Truth is that Gyms do work but they wont work if we don't. We again have that decision to make on what route we want to take. Do I put the work in to get the results or do I pay this fee and not loose the weight and blame the Gym? hmmm could be classified as a scam I would say. takes ppl's money with a lie that we will be skinny but in the end I wasn't skinny.

now we have colleges
ppl pay tutitions to get a degree with a promise to get that degree and that job is going to have a red bow on it when your done. Again the choice is yours colleges do work if you do. but if you go to school and dont apply yourself it wont work. There is that saying again If you work you will get the success. Another thing that we can call a scam That college took my money with the idea that I was going to get a good job and that is not what happen.

Any industry that you go into that you need a license to operate in I would call that more of a profession then a scam. even without research everyone knows that if you Scam someone your License is at stake. I highly doubt that someone would go through the hassle of getting license to scam ppl knowing that your license can be revoked and never to be issued again.

at the end of the day make your own decision not one based off of people that have no clue what this industry does and from people you have never met.

if someone tells me chocolate isnt good on here doesnt mean Im not going to try it myself and see.

Be very careful. A woman from Woodland Hills office has been calling me every week. I told her I am not interested.

Then someone else called me today and said they work in HE and are looking for sharp people.

She then asked me if I knew any sharp people that were open minded!!??

WTF to PHP!

I wish they would stop chasing me down.

I'm glad I checked into them and found this website.

So many bad reviews can't be a good sign.

Help!

This guy's are selling you idea that you going to be rich and get ownership of this companies.

No one accept this people at top is making any real moneies.

Only maybe 7 people's are making g the money. Not many people's even make $30000 a years working in this bizness.

You are fooled if you think this is money to makes with the People Helping People. They cheat on you. No money here just make you foolish.

PHP Agency aka People Helping People. The truth is that financial services is a great business but, it is hard work. No one can make you successful but yourself. You can be given the best opportunity and still fail in that opportunity.

With PHP you will have to come up with $150 and also purchase a policy. If you do not purchase a policy they may not work with you to train you. If you have no referrals for them, you are out of luck.

You will have to prospect to find new people to join your PHP business. If you can't do that then you will fail.

You have to get a life insurance license or you will not get paid.

You can make money selling some of their other products but that requires you to be able to communicate with other people and not be afraid to go up to a stranger.

The likelihood of you becoming successful with PHP is very small because it requires you to stop making excuses and start working on your self esteem.

If you can't do that you are SOL.

The entire PHP business relies on you bringing in new people and having them go to a meeting. Your guests will not be aware that they are going to be asked to pay money to join until the very end of the meeting at which time you will sit down with a manager.

After they join, they will be asked to purchase a life insurance policy and provide a list of 100 people you know so you can be trained to learn their system. You will not be paid for any of the appointments.

This is not horrible because all successful people need to have mentors.

The issue is that nothing is disclosed upfront because they know you would never join if you knew everything upfront.

The life insurance industry is moving away from one on one personalized business meetings and moving to mobile media and online sales.

PHP is trying to reinvent the life insurance business using outdated marketing practices while adding so-called new technology.

You would be better off, getting your life insurance license upfront and then joining PHP. At least you'll get paid. Of course, the trainer would make less money because they would have to split all the sales with you.

They might even ask you to waive the splits and commissions even though you are licensed.

The PHP company also seeks out hispanics because they are easier to sell the Dream to. Unless you are hispanic and speak spanish, you may not make it with the company.

If you are a baby boomer, you might not be able to get enough support because they are looking for younger people.

Everything in life requires hard work if you want to be successful.

You may want to look at other options to make money online. If you are not a people person, you will not make it at People Helping People.

Anyone going to a site without any credibility, reporting so called facts from anonymous users really need to find a better way to spend your time. People fail in business every day. People who cannot handle being an entreprenuer because they are incapable of holding themselves accountable to do the work to succeed should continue their careers at Walmart. Those are the people who turn to sites like this - why? Because they need vindication of why they failed and the fact that the alone are responsible is too brutal to take. I have made over $11k in less than 2 months - why? Because I work. Because I love to help people. Because I hold myself accountable. This organization does business with some of the biggest in the industry who have a lot more to lose if they don't do their due diligence. Think about that - hmmm... Scam Group Anonymous Reporting people vs A very Large Team of Attorneys who have everything to lose if they screw up their agreement to associate with a Financial Marketing Organization. Sorry my money is on the attorneys rather than people on Scam Group who struggle with spell check.

I just want to know how did you guys delete your credit card information from the page they give you. I've been trying to delete my info but I cannot seem to do it.

Anybody out here calling PHO specifically doesn't understand business, you are recruited for all you do! A help wanted sign to go WORK FOR SOMEONE else is recruiting, all these ads on your tv are recruiting, they are a certified LLC that works with different BIG INSURANCE compansies like Allstate, AIG and Forestors. A pyramid skim is a business model that gets you paid ONLY for the soul purpose of getting people. PHP helps families everyday. Just wrote my dad a life insurance policy that's going to retire him very. You talking about doing research, shit if you do research you'll truly see what the business is. Only small minded people call things pyramids cause they HEARD it from someone else, if you really knew, your Starbucks's, McDonalds, walmarts etc are pyramids cause you work to make someone else's dream come true while you NEVER get an opportunity to make what the CEO does as in PHP you can. DO YOUR RESEARCH. Plus this site is not even credible. Email nationwide and ask about PHP

in their marketing they talk more about recruiting than the product which is life insurance. dont join the pyramid scheme and watch out for damage control

The upper level people make money off you from selling you training material none stop. they hype people up with there poster boys who are hand picked by the ceo iranian patrick and then goes about how they worked hard and were poor once to make you believe you can make it in that participial pyramid scheme. You are what they are selling too. They make more money signing up people than selling life insurance itself. A lot of insurance company have php on a black list because most people cancel under a year. The message is positive but its a huge lie to get money like all other scams.

to many damn pyramid scheme came out from 2009-2016 since the economy was bad and people were having a hard time finding work. hopefully things get better so people can find real jobs or create them as real leaders unlike these narcissist selling you one.

full of fake business men and women. Trying to justify thats your company is not a pyramid scheme is red flag.

#PHP #PYRAMIDSCHEME

I've only been with PHP for 6 minths and I have made money, stop being lazy, wanting things to be handed to you. Get up and go get it simple as that.

lame pyramid scheme looking to sucker gullible Latinos like herbalife

If the company has to try and justify that they are not a scam, that's probably a bad sign..........

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all pyramid schemes