PHP agency is supposedly about selling life insurance, but in reality what it's about is selling you on the idea of signing other people up to become life insurance agents, and then you make money off of them recruiting other people to become life insurance agents, and on down the line. But does anybody get life insurance? Apparently, some people do, but it's such a small part of their sales pitch at all. There's hundreds of stories that I've read of people who went to their seminars, and you know how all these things work. They bring people to a ballroom, someone gives a speech, and then they isolate them and try and convince them to become a recruiter for them, more or less. So the stories that you can find are all basically the same. Quote, Deborah writes, quote, I went to help a friend out, and the guy who was there tried to recruit me and wanted me to give him my phone so he can call all my friends and family also to join. I didn't do that because it was rude. I went to buy a policy. That's the only reason? I went to buy a policy and he hired me. So that's not good. A user on Reddit writes, quote, they purposefully only give vague info in the interview, so I didn't quite get what was up until I went back to the office an hour later to do orientation with a coworker who invited me there. During this hour-long break, I felt wrong about this company, and like it was very immoral, but the phrase MLM still hadn't entered my mind. When I got to the orientation and my coworker explained the business model in more detail, it was clearly a classic MLM scheme. You make money off money other people make by recruiting people who recruit more people, who recruit more people, etc., and also by tricking poor people into buying their shitty life insurance. Yeah. It goes on and on and on. PHP appears to be a textbook example of MLM, and Patrick Bett David is the founder of said company.