PHP Agency (People Helping People) is a U.S.-based financial services marketing organization (FMO) that focuses on educating families about money and providing access to financial products—primarily life insurance, along with annuities and other risk-management solutions.

What PHP Agency does

• Financial education first
  PHP emphasizes teaching clients how money works, common financial pitfalls, and how tools like life insurance can be used for protection, cash-flow strategies, and long-term planning.

• Life insurance–centered solutions
  Agents typically help families with term life, permanent life (such as whole or indexed universal life), and retirement-focused strategies depending on client needs and state licensing.

• Entrepreneurial agent model
  PHP operates on an independent contractor structure. Agents can build their own businesses, earn commissions, and—if they choose—develop teams and leadership structures.

• Training and leadership development
  The company is known for high-energy training environments, personal development, sales education, and leadership mentoring, especially for newer agents entering the industry.

Business structure & culture

• Not an insurance carrier
  PHP does not manufacture insurance products. It partners with multiple top-rated insurance carriers, giving agents access to a broad product portfolio.

• People-first branding
  The “People Helping People” mission highlights community impact, financial literacy, and empowering families—particularly underserved or middle-income households.

• Performance-driven environment
  Success is typically tied to production, consistency, and leadership development. Like most commission-based models, results vary by individual effort and training engagement.

Who PHP Agency is for

• Individuals interested in financial services entrepreneurship

• Professionals passionate about financial education and legacy planning

• People who thrive in goal-oriented, growth-focused team environmentste thinkers and doers, dedicated to building with purpose and clarity. Collaboration and curiosity drive everything we do.