About Us
Every day, we wake up and step into our normal routine. Fate will step in one day, we just don’t know which day. On that day, life insurance stands in the gap for individuals and families who need it.
Patrick Bet-David founded PHP Agency in 2009 to bring life insurance to multi-cultural middle-class America and bring an entrepreneurial opportunity to individuals in those communities.
The company started in Northridge, CA when 66 life insurance agents joined Patrick on the journey to realize his vision. Since that time, over 4,000 individuals have become licensed agents and tens of thousands of families have been protected by life insurance and annuity products.
Today, the company is partnered with some of the leading life insurance carriers including AIG, Foresters, National Life Group, Nationwide, John Hancock and many others. The company is headquartered in Dallas, TX.
The products and services we offer
Recommendations Received (30)
"Maribel and the team at PHP are knowledgeable in every aspect of insurance, cash flow, and..."
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"Maribel and the team at PHP are knowledgeable in every aspect of insurance, cash flow, and retirement. Great people to work with."
"Maribel is Professional, patient, understanding and most of all knows her stuff. "
Products & Services
Offering Small Business retirement plans (2-50 employees). Our Financial Firm leads with education bringing knowledge and clarity to small busines...
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I'm a financial coach/licensed broker. I educate families on how to retire with dignity, how to create wealth and keep it, how the wealthy make money and how they continuously make it grow. I also help small businesses create retirement plans and show them how to have tax advantages in their...
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I'm a financial coach/licensed broker. I educate families on how to retire with dignity, how to create wealth and keep it, how the wealthy make money and how they continuously make it grow. I also help small businesses create retirement plans and show them how to have tax advantages in their businesses.
I look forward to creating an opportunity for us to meet and serve you with some powerful information.
I am also the Director of Expansion in PHP. I recruit new agents and train them in our growing industry. I'm always looking for sharp, ambitious individuals that are currently looking for a new career opportunity.
I think I'm going to be doing personal prospecting. The reason is, that social media as good as it is, has reached a saturated and overwhelming amount of non responses. People are not responding as well as they use to using social media. Giving it the personal touch may still make a bigger...
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I think I'm going to be doing personal prospecting. The reason is, that social media as good as it is, has reached a saturated and overwhelming amount of non responses. People are not responding as well as they use to using social media. Giving it the personal touch may still make a bigger difference. However, Social Media is my #2 in going forward in 2019!
Well, we're unfortunately seeing more store closings than we'd like to see. The reality is that I like most of the stores below, but must admit due to the economy, slashed salary wages, inflation and multiple other financial responsibilities that take priority such as rent/mortgage, groceries,...
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Well, we're unfortunately seeing more store closings than we'd like to see. The reality is that I like most of the stores below, but must admit due to the economy, slashed salary wages, inflation and multiple other financial responsibilities that take priority such as rent/mortgage, groceries, health insurance, medication, taxes, fees for everything, etc... we really don't have much in the reserve to go crazy spending the little money we earn. As a nation, we are facing economic challenges and I don't and can't frequent these stores as much as I'd like. America has entered into a mind shift that has changed us from the way we thought in the 80's, 90's and early 2000's about spending all our money, or living in the NOW. We need to be more realistic or forced to be more selective and conservative in the way we go about being "MONEY SMART". Reality has literally PUNCHED us in the face, that if we don't change our money habits, we won't be looking at the future most of us want...
That's a great question. In our industry, we are considered hybrid and SEO is done directly with the home office in Texas. I wouldn't know the answer to that question. Sorry.
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That's a great question. In our industry, we are considered hybrid and SEO is done directly with the home office in Texas. I wouldn't know the answer to that question. Sorry.
Well for starters the reality is, that no matter what method you use, you can't say the wrong thing to the RIGHT Client and can't say the right to the WRONG Client. That's just the nature of our business. However, the methods of how to retain the client is usually done when the client fully...
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Well for starters the reality is, that no matter what method you use, you can't say the wrong thing to the RIGHT Client and can't say the right to the WRONG Client. That's just the nature of our business. However, the methods of how to retain the client is usually done when the client fully understands the VALUE of what they are purchasing, how you treated them, and made them feel understood. If it's a store product, you may have that client come often, acknowledge them and get to know their names. If it's a business like insurance products, follow-up with them, find out how their doing, and send them a birthday card or holiday card during the year so that they know you haven't forgotten about them.
Go online to likeminded websites that would actually request your material. Now a days, if people aren't really interested in magazines, they'll just turn to the internet for what appeals to them. You'll probably save more money and reach your ideal target client by the websites that interest...
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Go online to likeminded websites that would actually request your material. Now a days, if people aren't really interested in magazines, they'll just turn to the internet for what appeals to them. You'll probably save more money and reach your ideal target client by the websites that interest them.
Well, not completely. People still like to see printed business cards, brochures on finances, important to each individual would be stuff like flyers and selective promotional stuff. However, speaking about the age differences, older generations like to see printed almost most things. Younger...
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Well, not completely. People still like to see printed business cards, brochures on finances, important to each individual would be stuff like flyers and selective promotional stuff. However, speaking about the age differences, older generations like to see printed almost most things. Younger generations, prefer not the cluttery printed anything. Younger generations are more Hybrid, therefore the internet appeals to them more.
I usually have a customer survey that I give after I've met with the client.
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I usually have a customer survey that I give after I've met with the client.
That is an interesting question that I've never come across before. I guess I'll have to do my research on and get back to you. Being in the insurance business, my educated guess is that the carrier's really define those terms, but, that is only my guess. Different carriers have differces when...
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That is an interesting question that I've never come across before. I guess I'll have to do my research on and get back to you. Being in the insurance business, my educated guess is that the carrier's really define those terms, but, that is only my guess. Different carriers have differces when it comes to age, weight, health condition, and the risks they're willing to take depending on the table they use for the client. I guess my only response on the "misstatement" is that the client who was once a gender, and later in life changed as another gender and happened to die.... I don't consider it a misstatement persay, but the underwriters can refuse the payout because there could've been restrictions in the policy that addressed certain circumstances. Also, if you are only representing one carrier, all you can do is accept thier underwriting decisions. However,if you represent several carrier's, then you can go out and compare their guidelines on that.
2. Always be upfront with the carrier to disclose that information because you don't want the #1 question to be the reality of any client that has purchased insurance under a false sence of security. Always do right by the client.
