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THE BEST PRODUCTS FROM THE BEST COMPANIES

TERM LIFE INSURANCE

Term life insurance provides coverage for a predetermined amount of time, typically between 1 – 35 years. Death benefit will payout if the policyowner passes away within the term of the policy.

  • Cost effective option for young growing families or individuals looking for more affordable coverage.
  • There is no guarantee of renewal when the term ends; however, certain term policies may allow for an option to renew.

RETURN-OF-PREMIUM TERM

We offer a compelling Return of Premium (ROP) term insurance policy which returns all contributed premiums if the insured outlives the term period.

  • Premium returns can start as early as the second year.
  • Life insurance protection in place if needed and return of premium investments if not.

“More than one third of all households would feel the adverse financial impacts within one month if a primary wage earner died.”

LIMRA ‘Facts About Life 2018’

INDEXED UNIVERSAL LIFE INSURANCE

Indexed Universal Life (IUL) is a permanent policy similar to a traditional UL policy through its flexibility of premium and death benefit; however, it also features a higher growth potential through index interest crediting. The policyowner has the ability to choose a percentage of the cash value to invest within specified “indexes” (such as the S&P 500 or Nasdaq 100) to increase the chances of larger returns.

  • Can act as a savings vehicle in which the insured may benefit from the upside potential of market gains.
  • Indexed accounts protect the insured from market decline with a guaranteed floor.
  • Policy illustrations provide the policyowner with historical data to assist with making informed decisions on which markets to invest in.
  • Cash value can grow tax-deferred.
  • Can be structured to include living benefits, allowing the policyowner to access the face amount of the policy to cover expenses related to critical, chronic, or terminal illness, as well as long-term care needs.

NO-MEDICAL EXAM LIFE INSURANCE

This simple, affordable life insurance is designed to cover expenses like medical bills and funeral costs (including plot and mortuary expenses) and can help protect your loved ones from future financial burdens. This provides permanent life insurance coverage with flexibility and long-term grown potential.

  • Up to $250,000 death benefit.
  • No medical exam or blood work is required.

FIXED INDEXED ANNUITY

With Fixed Indexed Annuities, premiums are tied to an index and credited in a similar fashion to IULs. As with IULs, Fixed Indexed Annuities offer principal protection and a death benefit, with the possibility for gains contingent upon market performance.

  • A type of tax-deferred insurance product.
  • Can be structured to provide income for life, acting as another resource for retirement income.
  • Provides protection from market decline with a guaranteed floor.

Nearly 40 million U.S. households (45%) have no retirement assets, according to a recent report by the National Institute on Retirement Security, and half of those households are headed by someone aged between 45 and 65.

Market Watch

REAL FAMILIES. REAL STORIES.

PHP Agency Inc. is a national financial services marketing company with a compelling two-part vision: change the culture and diversity of the insurance industry and build the world’s largest  financial services marketing company in history.

(California DBA PHP AGENCY, INC. INSURANCE AGENCY. CA License# 0K90446)

© PHP Agency, Inc. 2021. All Rights Reserved.

PHP Agency, Inc.

16650 Westgrove Drive, Suite 500
Addison, TX 75001

(469) 917-4600

Marketing:

marketing@phpagency.com

 

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Marvin and Dee Del Valle joined PHP in 2017, and within eight short months they had reached a milestone as $100,000 earners. As individuals that always dedicate themselves to their work, Marvin and Dee have set an example of just how powerful PHP is when it comes to building leaders that want to make a difference in the world of financial services. Together, they are the newest members of the President’s Council, setting the bar high for their agents in Orlando, FL.

After earning their degrees from Azusa Pacific University, Andrew and Jennifer wanted to use their newfound knowledge to grow on a platform that came without limitations. PHP provided that platform, and as Executive Marketing Directors out of their office in Lodi, CA, they continue to strive to be a team that builds success stories for agents in the financial services industry.

Andrew’s LinkedIn Jennifer’s LinkedIn

Growing up, Cindy knew she wanted to make a difference in the world by empowering and educating others. After getting a degree in Business Management from the University of Phoenix, she pursued giving and adding value to others through shared successes. She’s a true believer in entrepreneurship, and as an Executive Marketing Director with PHP, Cindy continues to set an example for those who want to find out where their unlimited potential can truly take them.

Cindy’s LinkedIn

Jonathan Mason is an experienced business leader and insurance expert who reached the rank of Senior Vice President with PHP in the second half of 2019. His outgoing personality and focused business ethic have helped grow his team, and his dedication to providing financial education to the families that need it most has helped him reach new levels of success. He is a firm believer that self-reliance and entrepreneurship are the cornerstones of economic freedom in America.

Jonathan’s LinkedIn

A strong background in the insurance industry helped bring Kehinde Thomas to the level of Senior Vice President with PHP. Through dedication and hard work, Kehinde has grown his team in the Miami and Fort Lauderdale areas. He’s an experienced leader and business builder with PHP, and he has continually proven to be a visionary entrepreneur within the organization. He has extensive training in marketing and a master’s degree focused in Business and Corporate Communications.

Kehinde’s LinkedIn

Len and LaTasha have been involved in education for close to 20 years. From 1999 to 2006, Len served as a Principal for the San Bernardino Unified School District before transitioning to PHP Agency. Now, as a financial educator with PHP, Len has worked his way up to Senior Vice President with his wife, LaTasha. LaTasha has been a School Psychologist by day for close to 16 years, but by night she supports her husband as a PHP co-business partner and assists with team building, training, and leadership development.

Len’s LinkedIn LaTasha’s LinkedIn

As one of the youngest entrepreneur couples in PHP, Alejandro and Yanaely continue to make their mark on the industry. After being promoted to Marketing Director and winning a Lamborghini Gallardo through a PHP competition in 2015, Alejandro has continued to make waves by reaching young entrepreneurship success. Today, Alejandro and Yanaely help grow the Bakersfield, CA branch as Senior Vice Presidents with PHP.

Alejandro’s LinkedIn

After working as a Director of IT, E-Commerce, and Whole-Sale Operations for 10 years with a company in Hollywood, Chris stepped up to provide financial guidance to Californians as an agent with PHP. Since joining in 2010, Chris and Mary have grown as agents and a family, achieving the rank of Executive Vice President in 2019 – the same year they welcomed their sixth child to the world.

Chris’s LinkedIn

Before he began his career with PHP, Jorge was a student at Antelope Valley College while working as a server at Red Lobster. Today, he has an office in Tarzana, CA and serves as a Chairman’s Council member alongside the other leaders of PHP.

Jorge’s LinkedIn

Jason began his career selling shoes at a local Hush Puppies during high school. As he transitioned to the post-high school workforce, he worked as a service manager for a box company for three years, and later transitioned to work in financial services. Today, Jason has an office in Plano, TX and serves as a member of the Chairman’s Council with PHP.

Jason’s LinkedIn

A powerful brother and sister team, both Hector and Erika have been involved in financial services for many years. While Erika worked in the mortgage industry, Hector began his career settling credit card debt working at a law firm. Today, they’ve both worked their way up the PHP ranks, serving as Chairman’s Council members out of their office in Bakersfield, CA.

Hector’s LinkedIn

Both Rodolfo and Cecy have been with PHP for close to 10 years. After reaching MD, they began to rise through the PHP ranks, quickly making their mark and earning their spot on the Chairman’s Council. Rodolfo and Cecy are avid supporters of giving back to their communities in El Salvador and Central America.

Randolfo’s LinkedIn Cecy’s LinkedIn

One of the few who are leading the Hispanic movement in PHP, Jose and Marlene both grew up fighting for what they earned. They have played an important role in shaping PHP’s multi-cultural presence, and together run one of the largest organizations in the company, The Great Awakening (TGA). Jose’s background in corporate bill collecting and Marlene’s experience in real estate combine to create a dynamic power couple in PHP, leading them to be the second ever Board Council members.

Jose’s LinkedIn Marlene’s LinkedIn

Sheena and Matt both have backgrounds in the financial industry, but their careers before PHP were drastically different. Sheena graduated college with a degree in marketing before joining Stryker as a sales representative for medical equipment. Meanwhile, on the other side of the world, Matt was serving as a United States Marine, eventually coming home after eight years of service to learn about financial services. After joining PHP, it took Sheena and Matt only three years to establish themselves as million dollars earners and the first Board Council members.

Matt’s LinkedIn Sheena’s LinkedIn

Flor and Boris reached the $100,000 earner mark in less than 12 months with PHP. Out of their office in Huntsville, TX, they are constantly looking to grow their base and have a goal of accelerating all who follow them to the very top. Since reaching Senior Marketing Director in May of 2019, Flor and Boris continue to show how fast PHP can help a person grow if they bring ambition and drive to the financial services industry.

Being a provider of financial services for close to 10 years, Curtis and Spring have made a name for themselves since joining PHP in 2013. After six years of coaching entrepreneurs and families nationwide to maximize their quality of life and financial standing, Curtis and Spring have elevated themselves to the level of Executive Marketing Director. They continue to focus their attention on building business in a variety of ways that help to turn their clients’ dreams into reality.

Dedication to growing his skillset at the University of Sioux Falls created a drive in Chris that eventually brought him to PHP. He dedicated himself to reaching Marketing Director, and after achieving that goal, he set his sights higher. Today, Chris serves as an Executive Marketing Director working out of his office in Pasadena, CA. He’s an advocate of providing financial education to all and setting people on the path to reaching financial security and success through their careers and retirement.

Working as a Business Manager with Apple taught Chris what is was like to work for one of the fastest growing companies in the world. As an employee for Sprint, Vicena learned the ins and outs of brand management at a nationwide level. Together, they brought their experience to PHP and used it to establish themselves as Executive Marketing Directors. Out of their office in the Greater Los Angeles Area, Chris and Vicena continue to pave the way, leaving a path of success for their agents to follow.

With a passion for developing the next leaders of PHP, Diana Joe has created a name for herself as an Executive Vice President in the LA area. 12 years of experience in the financial services industry has molded Diana into an example that many PHP agents follow. Shortly after its inception, she joined PHP and jump-started her future, opening the door for unlimited growth. She currently serves as a leader and motivator for multiple markets in Southern California.

Before establishing themselves as Senior Vice Presidents and top competitors at PHP, Ricky and Erika worked in industries outside of financial services. Ricky worked on an oil field for eight years, learning exactly what it meant to dedicate his life to a job, and Erika worked at an egg packing plant, where she focused on outworking her co-workers and quickly moving up the ladder. After making a career shift to PHP, both Erika and Ricky have quickly become an example for thousands of up-and-coming PHP agents.

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