ProgramMatek: Unveiling the PHP Agency Compensation Plan


Are you interested in pursuing an insurance sales career with the People Helping People Agency (PHP)? Have you heard mixed opinions about PHP and want to conduct your own research? It’s completely natural to be skeptical and wonder if PHP is a scam or pyramid scheme. You want to know if it’s a legitimate opportunity.

Well, you’ve come to the right place! In this article, I’ll provide an insider’s perspective on the inner workings of the People Helping People Agency. I want to give you all the facts so that you can make an informed decision about whether PHP is the right fit for you.


Let’s start by discussing the People Helping People Agency, its background, and its market specialization. PHP was founded in 2009 by Patrick Bet-David, who has a fascinating story of his own. He is an immigrant from war-torn Iran and has built a successful insurance sales business after serving in the military. PHP has partnered with well-known insurance carriers, including National Life Group, American National, American General, Mutual Of Omaha, Global Atlantic, and more.

Market Specialization

The People Helping People Agency focuses on what is called the “middle markets” for insurance-based financial planning. Unlike other agencies that target specific markets, PHP caters to individuals with middle-class incomes. The middle market is often overlooked despite being the largest segment in the life insurance sales industry. PHP offers basic insurance-based financial planning services, including term insurance, index universal life insurance, and fixed indexed annuities.

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Why Agents Choose PHP Agency

PHP emphasizes several reasons why agents choose to partner with them. Firstly, PHP promotes the value of entrepreneurship and being your own boss, giving you control over your income. Secondly, they prioritize being a multicultural agency, providing a welcoming space for agents from diverse backgrounds. Lastly, PHP offers shorter vesting periods on new business compared to their competitors.

Addressing Concerns: Is PHP A Scam?

Now, let’s address the burning question: Is PHP a scam or pyramid scheme? While PHP operates on a hierarchical structure similar to multi-level marketing companies, it is essential to differentiate between structure and culture. PHP is definitely not a scam and is a legitimate financial services company that has positively impacted hundreds of thousands of people across the country.

The issue some agents raise relates to the culture of the company. They worry that PHP places too much emphasis on recruiting instead of training competent and effective insurance agents. However, the MLM structure is common throughout the insurance industry, allowing agents to earn overrides from their downline’s sales. The key is finding the right balance between recruiting and selling.

Lead Programs

PHP does not offer life insurance leads for sale, but they teach agents how to develop their own leads using the “Project 100” method. This method involves creating a list of friends, family members, and former business associates as potential prospects. The Project 100 method eliminates the need for cold calling and focuses on building relationships with individuals already in your network.


Understandably, the compensation plan is crucial when considering any sales opportunity. At PHP, agents are 100% commission-based. While this means there is no guaranteed salary, the opportunity for high earnings exists. Commission percentages increase as agents build their downline, but it’s important to note that PHP’s starting commission level is lower compared to other agency opportunities.

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While commission alone shouldn’t be the sole determining factor, it’s necessary to evaluate the entire package, including training, support, and lead generation systems. PHP’s emphasis on downline agency development is a key factor in commission advancement.

Author’s Opinions

Now, let’s dive into my personal opinions and criticisms of the People Helping People Agency. It’s important to note that my goal is to provide you with a comprehensive understanding of PHP, including potential concerns to consider before joining.

One aspect worth noting is that PHP’s starting commission level is lower compared to other agency opportunities. Lower commission levels may impact your earning potential, so it’s crucial to assess whether the benefits, training, and support outweigh the lower commission structure. Evaluating your comfort level with selling to friends and family is also crucial since PHP’s prospecting strategy focuses on the Project 100 method.

It’s worth mentioning that PHP has start-up costs, including an initial fee for new agents and the purchase of errors and omissions insurance. Additionally, attending PHP’s annual conference is recommended but comes with travel and accommodation expenses.

About Me

Now that you have a clearer picture of the PHP Agency, let me briefly introduce myself. I’ve been selling insurance since 2011 and have built a successful national insurance agency. I understand the importance of vetting organizations and individuals who impact your perspective on the insurance sales industry. My goal is to provide unbiased information and assist agents in finding the right fit for their career goals.


In conclusion, the People Helping People Agency can be a great opportunity for agents who desire to build their own agency, are comfortable prospecting friends and family, and align with PHP’s culture. However, it’s crucial to evaluate other insurance sales opportunities, as there are various options to consider. Remember, finding the right fit is paramount to your success. Thank you for reading my article, and I hope it has provided you with valuable insights into the PHP Agency.

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Note: This article is written for ProgramMatek and does not serve as an endorsement or affiliation with the People Helping People Agency.