I just stumbled across this online money-making opportunity while searching YouTube and it was nothing more than a sales pitch to this “PHP Agency” program.
Although I did learn a lot of interesting things in that video, I still believe the only reason he created it was to promote this program.
Being a person that likes to research things before diving straight into them, I set out on a journey to see what the heck it was all about!
This is my unbiased PHP Agency review.
At a Glance
Name: PHP Agency
Founder: Patrick Bet-David
Price to Join: $400 – $500 after all the upsells
My Rating: 0.5/5 stars
About PHP Agency
Who Created this System
Patrick Bet-David is the founder and owner of PHP agency.
He has 2 YouTube channels.
One big one: Valuetainment (currently 538k subscribers) and another on a smaller scale – PHP Agency, Inc. (currently 14k subscribers).
I’ve watched some of Patrick’s videos in the past and I must say he teaches some pretty good stuff.
I know I’ve learned a lot in the short amount of time watching him, however, that’s not what we’re here for.
Just for the record, he teaches everything to do with business.
Patrick Bet-David is a very down-to-earth fella and I can tell he has your best interest at heart.
When did it Launch
PHP Agency was founded all the way back in 2009 and has clearly stood the test of time, but how…exactly?
Because it’s been going strong for a solid 9 years I think more research is needed to see what they’re really offering here.
Here is where all their traffic is coming from:
50% is from the search engines!
And when we dig a little deeper, we can see that it’s grown massively within the last year alone (search engine traffic only).
They’re ranking high for keywords like “helping people in life insurance”, “helping people company”, “people helping people”, etc.
So this company is definitely growing and shows no signs of losing traction either.
Why did Patrick Create it?
Patrick Bet-David could see that there wasn’t many people in the life insurance industry back in 2009.
In fact, he got started because he saw his father suffer in hospital and decided to do something about it.
When he first started he had only 66 agents. At the time of writing this article it has grown to a whopping 5200! And that number keeps growing.
What Do They Claim Over at PHP Agency?
They claim that you can:
- Become an agent and work part time or full-time, it is completely up to you
- Build your own brand instead of bringing awareness to the company itself (usually what happens with other insurance programs)
- Build a 6 or 7-figure income. It all depends on how hard you work and how many agents you get to work for YOU
- Build a successful career as a financial service agent
So What Exactly is PHP Agency?
PHP Agency is a financial services company.
They wish to provide nothing but the best financial services and become the biggest in the industry.
They have a total of 4 plans that you can sign up to and be a part of (life insurance plans).
The Life Insurance Plans
- Term life insurance
- Return-of-premium term life insurance
- Indexed universal life insurance
- No-medical exam life insurance
Becoming An Agent
When you become an agent you simply sell these plans to people around you (friends, family, neighbours, etc).
Otherwise expand your horizons and go to other regions also.
But being an agent means you can create your own brand too, so you’re not tied down to just building the PHP Agency business itself.
Being an agent also means you can have people work for YOU.
Having people work for you is where you can explode your income and “live the American dream”, as they so bluntly put it.
No Reviews & Not Much Information
Unfortunately there isn’t much information regarding this company on the internet, which is concerning to say the least.
However, that’s probably because you can’t actually sign up and get started right away.
Nope, you have to contact them before you can join OR be invited by an agent.
Doing this allows them to keep everything they are offering under the radar, but the question is…why?
Being as big as they are and how long they’ve been going for you would think there would be a boatload of information!
But nope, you need to be signed up to get the inside scoop.
Fortunately for you and I, there is still feedback for this company and their website – all can be found on the front page of Google 🙂
Lets debunk them and see exactly what PHP Agency is hiding!
Any Red Flags?
There is mixed feedback for this system – a lot to be honest.
There is also not much information either! Basically, Patrick is all about promoting his system but without saying EXACTLY what he offers.
Somebody that’s been in this system for more than a year said all you are doing is promoting things people don’t even need.
Another person said you have to figure out how to close the deal yourself because nobody in PHP Agency is going to help you.
There is absolutely NO prices I can find either!
It’s not looking good for PHP Agency guys.
Are People Really Making Money?
To be completely honest with you, yes there is a very small percentage of people making money but the vast majority of others are making nothing.
There is definitely people creating enough wealth to live the American dream but those are the ones at the top of the pyramid!
Yes I said pyramid – that’s because you will be joining and trying to get people into the exact same system you just joined.
But more importantly, the focus is on selling people products they don’t need and then getting them to do the same once they are in the door.
Does it Cost to Join?
After some research I DID find some valuable information that will help determine your final decision.
Before you can join, you have to be invited or you have to contact them first.
Here are the costs before you can even get started:
- Background check – $100
- Out of state seminar (where they promise you 6 months of training in 3 days) – $125
- Insurance package – $150
- Insurance licence – $200
So keep in mind that all of this will need to be paid for before you can start recruiting and profiting.
Pros and Cons
- Can make money
- Most positive reviews are fake
- It’s a big fat pyramid scheme
- You’ll be constantly lying to people just to make a sale
- Costs too much
- Too much work just to get started
Is PHP Agency a Scam?
I really wanted to like this system because it seemed like a really great opportunity, however…sadly, the reviews tell me otherwise.
Basically–wherever you see a positive review–be careful because there’s some speculation that all of them are actually fake.
To make matters worse, all their agents hype this system up to the max by pumping some BS dream and motivation just to make a sale!
It is deceitful and an outright waste of time since there is a LOT to go through before you’re even allowed to start promoting it yourself!
PHP Agencies also go to low-income jobs and push their scam onto desperate people and of course they buy because they want to get out of their 9-5 job!
What I’ve found with PHP Agency is that all you’ll be doing is promising people a dream highly unattainable and making a quick buck in the process.
THAT’S how the ones at the top got there and that is exactly what you will be doing my friend.
Yes, PHP Agency is a massive pyramid scheme. Stay away if you don’t want to waste your money or promise people dreams they will not reach!
What I Recommend
Make someone pay $150 and then hand them some papers – on to the next person you go.
That’s all you will be doing if you decide to join this massive scam.
You are promising people big dreams but in reality they aren’t going to take action and no money will be made.
If that sounds like something you’re interested in, then by all means knock yourself out.
However, I’m more interested in providing nothing but the best for my audience, and that means a legit online business where I am actually providing HIGH value.
All for free of course.
You won’t be paying anywhere near $500 and you won’t be promising anyone a dream they can’t reach.
All you do is create a blog about your passion, provide content and earn commissions when someone buys something.
It is free and doesn’t take weeks before you even get started.
Actually get started today if you like. The training is waiting for you on the other side.
I can’t wait to see you 🙂
If you’ve had experience with PHP Agency please let us know what you think in the comments below!
Cheers and have a great day.
Brandon is from New Zealand and does affiliate marketing full-time. This is his job and loves every second of it. He hated the typical 9-5 and found a way out of the rat race. The reason he created this website was to help and inspire others who also want a way out.