0:01 How's it going guys? Chris Hart here,
0:02 sold out servant. If you're watching
0:04 this video, you're probably someone in
0:05 two different groups. So, I want to ask
0:06 you to check out our video to learn
0:08 about more about our company, what we
0:09 do, how we serve families, and maybe
0:11 learn more about financial literacy for
0:12 yourself. Maybe you're somebody saying,
0:14 "Man, Chris, I'm open to an opportunity
0:16 to make extra income. Regardless of who
0:17 you are, today we'll walk through a
0:18 couple different things. One, I'll share
0:21 my story first, my background, how I got
0:22 started in this industry over 12 years
0:24 ago. I'll walk you through the future,
0:25 what's happening now in financial
0:27 services. They will engage the three
0:29 problems we're solving as entrepreneurs.
0:31 And then walk you through some financial
0:33 terms around money and finances, how
0:34 money grows, how to advance wealth for
0:36 yourself, and for somebody who's open to
0:38 the opportunity. I'll walk you through
0:39 exactly what we do, how we serve
0:41 families, and how we get paid in the
0:42 process. So guys, my background, I'm
0:44 originally from California, born and
0:46 raised in SoCal. Um, prior to working in
0:47 financial services, worked at a company
0:49 called Apple. At Apple, my job was to
0:51 help companies integrate Apple
0:53 technology, software, hardware. Loved
0:54 Apple. thought I was going to retire
0:56 there, but God had different plans for
0:57 me. I met a guy at my church back in
0:59 2013. We had some small talk about a
1:01 company called PHP. Now, I asked him
1:03 what it stood for. He said, "People
1:04 helping people." I thought it was pretty
1:06 corny. I said, "What do y'all do?" He
1:08 says, "We help families make money, save
1:09 money, and get out of debt." At the
1:11 time, I was very young. I was age 26. I
1:12 had just gotten married. I thought,
1:14 "Okay, as a new husband, I should
1:15 probably be responsible with money and
1:17 finances. So, why not? Let me hear you
1:18 out." And so, we met the following
1:20 Sunday after church. Guys, he blew me
1:21 away. My mom and dad did the best they
1:23 can by me. We never quite had discussion
1:25 about personal finance. It just wasn't a
1:26 topic of discussion in my household. In
1:28 my years of high school and college,
1:30 never had a class on personal finance.
1:31 So, it made sense to me. I got started
1:34 as a client with Nationwide Financial
1:36 and AIG. Now, he tried to recruit me. I
1:37 wasn't cocky, but I work for Apple. So,
1:39 I said, "Hey, man. I work for Apple. We
1:41 have a hundred billion dollar in the
1:43 bank. We're doing very well." Guys,
1:45 Apple had a hundred billion dollars in
1:47 the bank, not me, right? But my ego was
1:49 tied to working for a big sexy company.
1:50 So, I passed on the opportunity. Now, I
1:52 come from a large family. It's seven of
1:54 us. I have six siblings total. And so, I
1:56 gave him some referrals and my older
1:58 brother and sister, um, Stanley, Stanley
2:00 and Tammy. Now, a couple months went by.
2:02 He called back from my referrals. And I
2:03 asked him, I said, "What did you make
2:04 helping out Tammy and stay in
2:06 commission?" He made about $7,000 in
2:08 commission. I thought, "Wow, $7,000
2:10 helping them." Huh. I didn't get any
2:13 kickback, no referral fee, not even a
2:14 Starbucks gift card, right? So, I
2:16 thought at that time, man, I could
2:17 probably do it myself, get my own
2:19 license, and serve my family on my own.
2:21 So I said, "As of right now, my entire
2:23 family is set." So my plan was to get
2:25 licensed, guys. I didn't get licensed. I
2:27 procrastinated. I kept working at Apple.
2:28 But me and my wife had a discussion a
2:30 couple months later about having kids.
2:31 And she says, "Hey, babe, I want to have
2:32 kids." We say, "We should rent our late
2:34 20s. Why not?" She says, "But I want to
2:36 be a stay-at-home mom." I thought, "Wow,
2:37 stay at home mom." I said, "Babe, there
2:39 aren't any more stay-at-home moms in
2:40 America. That's like a old school
2:42 mentality, right?" But she was serious
2:43 and so was I. So I said, "How do I
2:45 replace her income?" I thought I can get
2:47 into real estate and sell homes, maybe
2:49 maybe have a part-time job or maybe get
2:51 started with my friend Curtis in the
2:52 insurance industry. So, me and Curtis,
2:54 we had a conversation about the PHP
2:56 agency platform, hire work. I said,
2:58 "Hey, man. If I come on board part-time,
3:01 can I make an extra $2, $3,000 a month
3:02 part-time?" He says, "Chris, you get
3:03 started here, brother. You'll be a
3:04 quarter million dollar earner in no
3:05 time." I said, "Hey, man, don't send me
3:07 no crazy dream of making a quarter
3:09 million a year. Can I make an extra $2
3:12 to $3,000 a month part-time?" And and I
3:13 thought, man, worst case scenario, I
3:15 come on board, learn about money and
3:17 finances. It'll be a win-win for my
3:18 family. So, I got started part-time. Got
3:20 licensed in one month. Within four
3:22 months, retired my wife. She didn't make
3:24 crazy income. She made about 2,500 a
3:26 month. And after four months, eight four
3:27 months of working here and working
3:28 nights, I was able to replace her
3:30 income. And in one year from our start
3:32 date, I left Apple. So, it wasn't some
3:34 get-rich quick scheme or some overnight
3:36 sensation. It took some hard work and
3:38 dedication. But fast forward today,
3:40 guys, God bless us. My agency has a
3:42 presence in Riverside, California. We're
3:44 in Phoenix, Arizona. We're in Columbus,
3:45 Ohio. We're in Brooklyn, New York. We're
3:47 in Charlotte, North Carolina. Memphis,
3:48 Tennessee. And we're heavily saturated
3:51 in the DMV area, DC, Maryland, Virginia.
3:53 So guys, let's get right into it. So PHP
3:56 agency, who are we? PHP agency, what
3:57 would you consider an FMO? We're a
3:59 financial marketing organization. What
4:01 we do is we market financial products on
4:03 behalf of firms like National Life
4:06 Group, AIG, Alian, Fidelity, and
4:07 Guarantee. Most of these are Fortune
4:09 1000 companies, but they're having a
4:11 hard time growing in diverse markets.
4:13 One of their biggest challenges is their
4:15 average agent is a 61-year-old Caucasian
4:17 male. Now, nothing wrong with being
4:19 white or being 61, but he's got one foot
4:21 in, one foot out. He's about to retire.
4:23 Now, these companies don't care what
4:25 color you are, how old you are or where
4:27 you come from. All they care about is
4:29 the distribution of their their products
4:30 and services. But they know people
4:33 normally buy from people who look, talk,
4:35 and act like them. So, if the average
4:37 agent is a 61-year-old Caucasian male,
4:39 who is he probably marketing to? People
4:40 in his demographic. Who's being left
4:43 behind, guys? Everybody else. First,
4:44 you've got Gen Xers, they're in their
4:47 late 40s, 50s, not being talked to about
4:49 money and finances. You've got Gen Z's
4:50 in their teens and 20s being left
4:52 behind. You've got my generation
4:54 millennials, right, in their late 20s,
4:56 30s, early 40s, not being targeted to
4:58 when it comes to financial literacy. And
5:00 then you have minorities and women. This
5:02 is a huge part of our country's
5:03 demographic, not being targeted to when
5:05 it comes to financial literacy and
5:06 education. So, our company's in a very
5:08 unique spot. We're very diverse. We're
5:10 54% female, which is unheard of in the
5:13 industry. We're 41% Hispanic, 32%
5:16 African-American, 13% Caucasian. We're a
5:17 different type of company that wants to
5:19 attract a different type of agent. So,
5:20 in business, we get paid based off the
5:22 size of the problems we solve. We're
5:24 solving problems here. We're solving
5:25 three main problems, right? The first
5:26 one we're solving here is called
5:28 distribution. If the average agent in
5:31 our industry is a 61-y old male, he's
5:32 not reaching anybody. We need
5:34 distribution, guys. I'm a 38-year-old
5:36 African-American male, I have access to
5:38 a market that the average agent can't
5:41 get to. Therefore, John Hancock, AIG,
5:43 Pacific Life. They'll pay me very well
5:45 to help teach people who look, talk, and
5:47 act like me about money and finances.
5:48 The first problem we're solving is
5:50 distribution. The second problem, guys,
5:52 here is financial literacy. We don't
5:54 learn how money works in America. Not in
5:56 high school, not in college, not at
5:58 home. How did we learn from school or
6:00 hard knocks, right? Making mistakes in
6:02 our 20s and our 30s, trying to recover
6:04 by our 40s to get back on track in time
6:06 for retirement by our 50s and 60s is not
6:09 the best wisdom, but it's all we know.
6:11 We teach financial literacy here. How's
6:14 your 401k work? Your 403b, IRA, Roth
6:17 IRA, what's tax code 7702? What's an
6:19 infinite banking concept? How does
6:21 taxation and inflation impact my
6:23 retirement and my wealth? And last but
6:25 not least, it's just entrepreneurship. I
6:27 don't care how old you are in America
6:29 today. You're saying, "Man, Chris, I
6:30 want to open a business." You have to
6:32 attract us. Who is that? Gen Z's and
6:34 millennials. But we're different. We
6:37 were born between 1981 and 2010. Most of
6:39 us don't want to work at a job for 40
6:41 years for a 401k for 45k a year. We want
6:44 to travel, live our best life, get paid
6:45 what we're worth, and have an impact on
6:48 our community and the world. Last time I
6:49 checked, that's very hard to do behind a
6:51 desk or a kiosk. It requires
6:53 entrepreneurship. But who's teaching us
6:55 that guys? No one really is. And so
6:56 these are the three main problems we're
6:57 solving. You're probably wondering,
6:59 Chris, okay, great intro. How are y'all
7:00 solving these problems? I'm located in
7:03 the DMV area. And we run free financial
7:05 workshops here every Tuesday evening,
7:07 Wednesday evening, Thursday evening,
7:08 Saturday morning, and Saturday
7:10 afternoon. We're at max capacity. A huge
7:12 demand for what we do in our community.
7:14 But here's the thing. We teach about
7:15 money and finances, but not just money.
7:17 And finances, more importantly, how does
7:19 money grow? We all make money. Some make
7:21 more, some make less. But our money is
7:22 growing three ways. Now, unfortunately,
7:24 we're only taught the first two here
7:25 normally in America. So, your money
7:26 right now is currently growing three
7:28 ways. It's growing fixed, it's growing
7:31 variable, and growing index. Now, each
7:33 way money grows has a plus and a minus
7:35 to it or prone to cal. The first one
7:36 here is fixed. What's fixed? It's going
7:38 to be your checking account, savings,
7:40 CD, money market for some of you guys, a
7:42 shoe box upstairs, right? Um, now what's
7:44 the plus of putting money in a shoe box
7:47 or a bank account? It's safe. It's
7:49 backed up by the FDIC up to a4 million
7:51 dollar deposits. Now, what's the
7:53 downside to it? It's not going anywhere.
7:55 And most of our average savings checking
7:56 accounts, we're getting between 0ero and
7:59 1% growth. It's not even keeping up with
8:00 inflation. So, looking at a growth chart
8:03 here, over time, you got slow growth.
8:06 Not the best place to grow money. The
8:08 second one here is variable. Now, a lot
8:09 of my clients have variable accounts due
8:11 to employee sponsored accounts like
8:15 401ks, 403bs, 457s, TSPs. Maybe you own
8:17 some cryptocurrency, right? XRP,
8:19 Ethereum, Bitcoin. Maybe you have some
8:20 real estate investments. You're
8:22 investing into stocks or ETFs. Now,
8:25 what's the plus to investing into an ETF
8:27 or stocks or real estate or crypto or your
8:28 your
8:30 401k? Growth. You can experience
8:32 phenomenal growth in the market, guys. I
8:34 invest in stocks. I invest in real
8:35 estate. I love those concepts, right?
8:36 Because it brings me phenomenal growth.
8:38 What's the downside to it? Sometimes
8:42 what goes up must come down. You can
8:44 lose all or a portion of your money in
8:46 variable accounts. Looking at the last
8:48 24 months of our economy, what's
8:49 happened now currently with the
8:50 terrorists, what's happening with Trump
8:52 and things that are taking place in our
8:53 current economy. We've seen some ups and
8:54 downs in the stock market recently.
8:56 Right? So market has been kind of up
8:58 down up down up down crash recovery.
9:00 Right? The real question is this. How
9:02 much money can you afford to lose right
9:04 now? The last one here is index. Now
9:07 keep in mind index is not as popular as
9:08 fixed and bearable. Why? The average
9:11 agent marketing index is now talking to
9:12 everyone. So, a lot of my clients never
9:15 heard of it. It falls in two categories.
9:19 You got fixed index annuities and index
9:22 universal life. Fixed index annuities
9:25 and index universal life known as FAS
9:27 and ILS. Now, they're both insurance
9:30 products. Insurance has a disposition to
9:32 not lose value. You have a contract
9:34 saying you're guaranteed to never lose
9:35 money in the account. So, the plus is
9:37 pretty obvious, guys. It's safe. Now,
9:38 what's the catch? It's got to be a
9:41 catch. Now, in most cases, it's capped
9:42 on growth. Not all, but most. So, what
9:44 does that mean? In this example, we're
9:46 saying you're capped at 9% growth. You
9:48 will not go above 9% growth, but you
9:50 will never go below zero. So, what does
9:52 that mean? When we say index, it's
9:54 tracking an index. It's tracking what we
9:56 call the S&P 500, standard imports,
9:58 right? Your top 500 companies in the
10:01 stock market from Tesla to Nvidia to
10:04 Google to Microsoft to Disney, all these
10:05 brands. Right? Now imagine you said,
10:09 "Chris, I want to grow some money for my
10:11 future tied to the performance of
10:14 Amazon, Nvidia, Microsoft, Apple, but I
10:16 don't want any risk." You want to grow
10:17 money with those top companies defining
10:19 risk. You may want to consider an index
10:22 tied to an IL or a fixed index annuity.
10:23 Now, let's just say you're putting in
10:25 $100 a month into an IL. Or you're
10:27 someone saying, "Hey, Chris, I got a
10:29 $10,000 IRA. I'm rolling it over into an
10:31 annuity, right? And I'm doing that into
10:33 a fixed index annuity." And say the
10:35 market was up this year 20%. Woo! Good
10:36 year growth in the market. What would
10:39 you get in your return? Well, your cap's
10:42 nine. So, what are you getting? 9%.
10:44 Guys, that's the downside to it. You do
10:46 not get all the gains in the market. You
10:49 probably take any upside with a cap. But
10:52 imagine the market was flat the
10:54 following year. 8% growth, which is not
10:55 bad at all. A nice average return on the
11:00 market. What would you get? All 8%.
11:04 Say we had a repeat of the.com boom, the
11:07 recession 08, uh, COVID scare recently,
11:09 the terrorists of 2025, right? And the
11:12 market was down negative 38%. How much
11:13 money would you lose in your fixed index
11:15 annuity or
11:18 IL? Zero. Zero is your hero. You don't
11:21 lose money in the index. Looking at a
11:22 growth chart here, I'm a very visual
11:24 person. When the market's up, you're up.
11:26 Down, you're flat. Up, you're up. Down,
11:28 you're flat. Up, you're up. Down, you're
11:30 flat. so forth and so on. So looking at
11:33 all three ways money grows, if you had
11:35 an opportunity of money for your
11:37 family's future between fixed, variable,
11:39 and index, where would you put most of
11:43 your money? Most my clients say index.
11:46 Some say fix, a few say variable. Guys,
11:48 I believe in all three. If I sat here
11:50 and say, "Hey, put all your money in
11:52 index." That's crazy. You should run. If
11:54 I say, "Hey, put it all in in the stock
11:56 market." That's crazier. If I said, "Put
11:57 it in a bank account. Get out of here,
11:59 right? I don't know anything. I believe
12:00 in all three. I believe in
12:01 diversification. So when it comes to
12:03 fixed accounts, what do we enjoy most
12:05 about our fixed accounts? Safety. We
12:07 work hard for our money and tomorrow
12:08 morning we want to be there in AM,
12:11 right? But but the hard thing to it is
12:12 this here. There's no growth tied to
12:15 these fixed accounts. We like the safety
12:17 but don't enjoy the lack of growth. What
12:19 should be in this account? Most
12:21 financial experts say between 3 to 6
12:22 months should be set aside into a
12:24 savings account or a fixed account that
12:26 you you have liquid access to in case
12:28 life happens. you can borrow, you can
12:29 take money from it when you need to.
12:31 Liquidity is there. Um, variable
12:33 accounts, we enjoy the growth of our
12:36 TSP, 401k, real estate investments,
12:38 cryptocurrency, right? ETFs, but we
12:41 don't like losing money. So, what should
12:43 be in there? It's really based off three
12:46 factors: age, income, and wealth. The
12:48 older you get, the less money you should
12:49 risk in the market. There's a rule in
12:51 finance called the rule 100. Take 100
12:54 minus your age. 100 minus a
12:55 50-year-old's age is 50. That means half
12:57 their funds should be in variable
12:58 accounts. You should be investing in
13:00 stocks, being a little more aggressive.
13:02 Maybe a 20-year-old, 100 minus 20 is
13:04 what? 80. 80% of your funds should be in
13:05 variable accounts. While you're young,
13:07 you can take more risk. Well, if you're
13:11 65, 100 - 65 is 35. That means 35% of
13:13 your portfolio should be in more risky
13:15 investments. I meet clients all the time
13:18 that are 90% risk and they're in their
13:20 50s and 60s, right? And the next thing
13:21 here is your income and your wealth.
13:23 Guys, if I'm if I make a million dollars
13:25 a year, I got low debt and I lose $2,000
13:27 in the stock market, am I hurting? No.
13:29 It's a drop in the bucket right now. If
13:31 I make $85,000 a year and lost 10 grand,
13:33 does that hurt a little more? It does.
13:35 Definitely does. And the last one here,
13:39 guys, is index. It's safe and it grows.
13:41 Kind of has the best of both worlds. If
13:42 you heard of a guy named Warren Buffett,
13:44 he's a financial guru, a decayer, has
13:46 all these books on money and finance.
13:49 He's got two rules to money. His first
13:51 rule of money is rule number one. Do not
13:53 lose money. Makes sense. Check the list
13:55 off. Don't lose money. Second rule of
13:58 money is do not forget rule number one.
14:01 Keeps it simple. Just don't lose money.
14:02 Here's a problem. A lot of our loved
14:04 ones, co-workers, colleagues, friends.
14:06 All we're ever taught is 401k and
14:09 checking account. 403b and savings, CDs,
14:11 stocks, mutual funds, bonds, ETFs, and
14:13 cryptocurrency. When he's saying don't
14:15 lose money, he's not saying put it in
14:17 the bank or in the safe. He's saying
14:19 something called principal protection in
14:21 most cases. What does that mean? Imagine
14:24 you had $100 that was in a 401k, a
14:26 retirement account, a variable account,
14:28 right? Keeping the math simple. Say the
14:30 stock market was down 50%. Simple math
14:33 here, right? If you had $100, the market
14:35 goes down negative 50%, how much money
14:36 did you lose and what do you have left?
14:39 You lost half of it. So, what's left? 50
14:42 bucks. Now, the market always recovers.
14:45 It bounces back up positive 50%. Where
14:47 are we at
14:50 now? Most of us say 100, right? You're
14:52 at 50, back up 50. At 100. That's not
14:55 how math works. At second look, you were
14:57 at $50 in your account. Principal
14:59 balance, it went up 50%. What do you
15:02 have now? Half of 50 is what? $25.
15:05 You're at $75. What does that show us?
15:07 Whenever we have a correction in the
15:09 market, it takes twice as much growth to
15:12 get back to square one. This is why not
15:14 losing money can be better than making
15:16 money in some cases. And so looking at
15:17 these three ways money grows, I always
15:18 ask my clients oneonone or in group
15:20 settings, how are you currently growing
15:21 money? So for you watching this video
15:23 now, how are you currently growing
15:24 money? Do you currently own any fixed
15:27 accounts? Most of my clients say, yeah,
15:29 we have a checking account, savings to
15:31 manage household finances. When I ask my
15:32 clients, do you currently own any
15:34 variable accounts? Most of them will
15:37 say, yeah, I have a 401k, TSP, I got
15:38 some real estate investments. Maybe you
15:40 have some stock accounts with Robin
15:42 Hood, all that great stuff. Great guys,
15:43 when I ask my clients, do you currently
15:47 own any fixed index annuities or index
15:49 universal life? Guess how many say,
15:52 "Yeah, maybe one out of 10." And when I
15:54 ask them why not, they say, "Chris, I
15:56 never heard of it." Right? So, if you
15:58 were sent this video by somebody you
15:59 love or care about, someone you just met
16:00 who's a friend, maybe you just came
16:02 across this video on YouTube, right? And
16:03 you're saying, "Man, Chris, I have no
16:06 clue how index truly works." I highly
16:08 suggest that you check out the person
16:09 who sent to this video to learn more
16:11 about that concept because our main goal
16:13 here guys is teach about money and
16:15 finances and if if index can be a good
16:16 part of your portfolio, why not have
16:18 some money there growing for you where
16:20 it can be restored for you taxfree
16:22 partaking the upside the market with no
16:23 losses guarantee. So at this point
16:24 you're probably wondering Chris like
16:26 what do y'all actually do? You left
16:29 Apple the person who sent me this video
16:31 they're full-time with PHP agency they
16:32 may be parttime they're making money
16:34 parttime like what do y'all actually do?
16:36 Let me go over our crusade. Now, maybe
16:37 you're someone saying, "Man, Chris, I'm
16:40 open to earning a secondary income as a
16:42 life insurance agent." Y'all never
16:44 thought in my lifetime I would say that
16:46 I'm a life insurance agent. It sounds so
16:47 freaking boring, guys, but we're a
16:49 different type of company that wants to
16:51 attract a different type of agent. So,
16:54 my job here, guys, is to teach, educate,
16:57 and inform. I can't say the right thing
16:59 to the wrong person. If it's a good fit
17:02 for a family, great. If not, no harm.
17:04 Guys, I hate sales anxiety. If you're
17:05 ever worked in sales, you know what that
17:07 is, right? You have to close a client,
17:09 put pressure on them, overcome a
17:11 thousand objections. That's not my style
17:12 at all. I'm going to teach you what we
17:14 do for families. If it brings value to
17:16 your family, great. I'm not going to try
17:17 to hard sell you. And so, let me show
17:19 you what we teach, how we get paid in
17:21 the process on the back end, right?
17:22 Maybe you're someone saying, "I'm open
17:23 to making extra income." Right? And so,
17:25 the first concept we teach about
17:27 insurance is called term insurance. It's
17:28 been around since the beginning of time.
17:30 Term is very basic, right? one of the
17:32 most one of the most popular um terms of
17:35 insurance out there. So term is simple.
17:37 Say I meet somebody. I'm a I'm a client.
17:38 I meet an agent in the insurance space
17:41 and I'm a I'm a husband. I'm a father. I
17:42 got three kids and I need some life
17:44 insurance, right? And they offer me a
17:46 half a million dollar death benefit if I
17:48 were to pass away that would go to my
17:50 wife and kids. As a man, as a father, I
17:51 should probably have that and be
17:52 responsible. So, I move forward. Now,
17:55 they offer me a 30-year term. Now, that
17:57 means I'm covered for the next 30 years
17:59 at half a million dollars in coverage.
18:01 Now, I'm going to pay about 50 bucks a
18:03 month for this policy. Not bad at all.
18:05 Now, I'm not paying the agent. I'm
18:07 paying the insurance company. The agent
18:09 is just the agent representing the
18:12 company. So, say I pay AIG National Life
18:14 Group Pacific Life 50 bucks a month for
18:16 this policy. Pacific Life says, "Chris,
18:18 thank you for helping us find a new
18:21 client." Okay. Absolutely. U we have a
18:22 hard time finding clients in diverse
18:24 markets at times. We're going to advance
18:28 you what the client paid us times 12. So
18:30 I as a as a agent say I'm the I say I'm
18:32 the client, right? I pay the client I
18:34 pay pay the pat life 50 bucks 50 50
18:36 bucks a month for my policy. They
18:38 advance that to the agent here times 12
18:41 times our average contract to about 300
18:43 bucks in commission in about 2 hours a
18:45 kind of job has come money in two hours.
18:47 Many jobs do scale jobs do. This can be
18:49 made from home part-time serving their
18:52 family from a laptop a tablet or a
18:54 coffee shop in person. Now great income
18:56 for the agent. What's in it for the
18:58 client? Gosh, it's cheap and
19:00 inexpensive. I'm paying 50 bucks a month
19:02 for half a million dollars in coverage.
19:04 God forbid I pass away. My family's
19:06 protected. What's the downside to it?
19:09 This policy expires. So, in 30 years, I
19:12 no longer have insurance. Now, in most
19:15 cases, am I healthier at age 35 or age
19:18 65? Probably 35. So, in 30 years, when
19:20 I'm age 65 and this policy
19:22 expires, how much would it cost to renew
19:25 it? a lot more than 50 bucks a month.
19:27 So, what do most clients do? They settle
19:29 for a final expense policy in their 60s
19:32 and 70s for 100 bucks a month for a 25k
19:33 burrow expense, which is not bad, but
19:35 here's a problem for most clients if
19:38 they owe a large sum on their mortgage.
19:40 Does a that policy pay out their
19:42 mortgage? It doesn't. And what happens
19:44 when that that person passes away? That
19:46 home is usually lost. And so, again,
19:47 term is not bad at all. It's great for
19:49 most people who are young, just getting
19:51 started. It's $20 a month. for some
19:52 people 18 bucks a month, 40 bucks a
19:54 month, just depending on your age. But
19:56 overall, it's supposed to protect you
19:57 when you're younger and you're building
19:59 your empire, building your wealth, um
20:00 having kids, getting married, but it's
20:02 usually not a one-izefits-all for
20:04 everybody. The second one here is called
20:08 IL index universal life insurance. Now,
20:09 imagine someone saying, "Man, Chris, I'm
20:11 in the market for life insurance." If
20:13 you were in the market for life
20:15 insurance, how long do you want life
20:19 insurance for? Most people want life
20:22 insurance for life. So this is covers
20:24 you for life. So client says, "Hey
20:26 Chris, I want a permanent life insurance
20:28 policy. I want a policy that I can
20:30 guarantee when I pass will pay out my
20:32 family trust and and actually add value
20:34 to my family trust, which is phenomenal,
20:36 right?" And so with that being said, the
20:38 policy is a half a million dollar debt
20:41 benefit. Clients paying 250 bucks a
20:42 month for this policy. A lot more
20:44 expensive than the term policy. Keep in
20:48 mind 95% of term policies never pay out.
20:51 Why? We don't die in our 20s, 30s, 40s,
20:53 50s. We live past that usually and so we
20:55 end up paying that policy. It's profit
20:57 for the insurance company. But in this
20:58 case here, we have a permanent policy.
21:01 So I'm paying 250 bucks a month. Now, a
21:02 portion of that money, that premium is
21:04 going towards cash value, which is that
21:06 third way money grows, which is great
21:07 for me. So, you know what? I don't mind
21:10 doing it. I may even adjust over my 401k
21:11 and putting some money into this here if
21:13 it makes sense for me. And so I'm paying
21:15 250 bucks a month for this policy. Now,
21:18 Fidelity says, "Chris, thank you for
21:20 helping us find a new client. We have a
21:21 hard time finding clients in diverse
21:23 markets. We're going to advance you, but
21:26 Chris Hart pays us times 12 the
21:28 following week." So, I put away 250 a
21:30 month for a policy. The agent gets that
21:32 times 12 times our average contract of
21:35 50%. You'll make about 1,500 bucks in
21:37 two hours of work. Now, what kind of job
21:38 pays a kind of money in two hours of
21:41 work? Most jobs do. This is a a great
21:43 part-time opportunity for most people
21:44 who could put the work in and say, "I
21:46 don't mind serving people in my
21:47 community." Now, this is phenomenal
21:48 income. This is one of the main reasons
21:50 why I got started, but not the only
21:52 reason why I got started. If you're
21:55 familiar with residual passive income,
21:57 residual passive income. You may love
22:00 this opportunity. In this industry,
22:02 these companies will pay you upwards to
22:05 4%, sometimes three, sometimes five, of
22:07 annual renewals of each client's policy.
22:09 What does that mean? This client puts
22:11 away 250 a month times 12. Say I make
22:13 about 1,500 in commission off this next
22:16 week. I also get 4% of the annual
22:18 premium next year, which is how much?
22:21 $120. That's not a lot of money. But
22:23 wait, that's about 10 bucks a month.
22:24 What if I get involved with this
22:27 industry part-time and I do it for 5
22:29 years, do it for seven years, do it for
22:31 10 years, and I keep serving clients.
22:33 And most of the companies I work with
22:35 give me a 10ear block of renewals,
22:38 sometimes 15, 20 years. So, I keep
22:40 helping clients, building my book of
22:42 business, guys. And guess what? What if
22:45 70% of my clients stay on the books? 30%
22:47 life happens. They cancel the policy,
22:49 life happens, divorce, they cancel,
22:50 whatever, things happen, death, right?
22:52 Things happen in life. But what if a big
22:54 solid part of my business stays on the
22:56 books? Now, I'm making three, four,
22:58 5,000 a month part-time and residuals.
23:00 Y'all, this is the second highest paid
23:03 profession by professional athletes. So,
23:06 it's LeBron James and then financial
23:08 services. But this is America's bestkept
23:09 secret. Where'd you tell that? That's
23:11 tech. Going to tech. Tech is great. This
23:13 isn't This isn't tech. It's healthcare.
23:14 Healthcare is great. This isn't
23:16 healthcare. It's real estate. Real
23:18 estate is phenomenal. This is not real
23:21 estate. Here's the problem, though. Um
23:22 this is America's best kept, too. But
23:24 guess who's not in this industry in
23:27 large large comparisons? Minorities,
23:30 women, gen Z's, millennials, Gen Xers.
23:32 These companies don't care about the
23:34 color of your skin. They care about one
23:36 color. That's green. That's money. So,
23:38 they're saying, "Hey, hey, if we can
23:41 help teach more Gen Z's, millennials,
23:43 women how to articulate index universal
23:46 life insurance, how to articulate fixed
23:47 index annuities, how to understand
23:50 retirement plan with 401ks, TSPs, IAS
23:52 will pay them a lot of money to teach
23:53 people in their community about money
23:56 and finances." So, y'all, that's great
23:58 income as an agent. Love it, guys. It's
24:00 a residual book of business. What
24:01 happens when I pass away? It goes to my
24:03 kids. generational wealth being passed
24:04 down to my kids. As long as they pick up
24:06 a a life license, I can pass that down,
24:08 which is phenomenal. But what's in it
24:10 for our client? One's permanent
24:12 insurance. Call me bias. I'm an
24:14 insurance agent. If you're watching this
24:16 right now, I believe you should have a
24:18 permanent insurance policy. Why? Life
24:20 can happen to you. I've seen horror
24:22 stories. Prostate cancer, breast cancer
24:25 in your 40s, um kidney issues, um a good
24:28 night in on the town caught a DUI,
24:30 uninsurable now, right? So, it's
24:32 important to have a permanent policy
24:33 locked down your life regardless of what
24:35 job or career path you have because no
24:37 matter where you go, that policy goes
24:40 with you. Two, cash value between 0 and
24:43 12%. Some companies offer caps of 12%
24:44 growth for your money. No banks offering
24:46 anywhere near that with principal
24:49 protection. Three, tax-free access under
24:51 tax code
24:53 7702. This tax code allows you to borrow
24:56 loans from a policy tax-free. And then
24:58 four, living benefits and long-term
25:01 care. Um, I ask my clients all the time,
25:03 and what's your plan for long-term care?
25:04 And guess what most of my clients say? U
25:07 my kids will take care of me. Your kids
25:09 probably aren't taking care of you. I
25:10 want to bet on that happening, right?
25:12 And so, when it comes to long-term care
25:15 strategies, most of the current ILS
25:16 index universal life insurance policies
25:18 come equipped with long-term care
25:20 riders. If you were to get sick, cancer,
25:22 heart attack, stroke, Alzheimer's,
25:25 dementia, you can now access your death
25:27 benefit as a living benefit for free.
25:29 Why? These companies want your money, so
25:31 they innovate. Here's a problem, guys.
25:34 You buy new iPhones, how often? Most of
25:35 us, every two, three years. You buy
25:37 cars, how often? Every seven, eight
25:40 years. How often do we buy new life insurance
25:41 insurance
25:43 policies? Maybe once or twice in a
25:45 lifetime. We have no clue what's out
25:46 there with the latest and greatest
25:48 innovation within insurance. And the
25:50 last one here, guys, is a private
25:52 pension conversion. Imagine having an
25:54 insurance product that you funded for
25:56 10, 15, 20 years. At the time of
25:59 retirement, you can activate an income
26:01 for life rider where you see receive a
26:03 check for the rest of your life. We
26:04 aren't normally taught that when it
26:06 comes to insurance and a lot of our
26:08 clients had no clue it even exists. So
26:10 the last one here guys as I wrap up is
26:13 the annuity here. Uh imagine if you knew
26:16 anybody that had a 401k TSP, an IRA,
26:18 right? Roth IRA. Maybe you knew somebody
26:20 who was former military, the guy with
26:21 the Marine Corps, the Navy, the Army,
26:24 they had a OTSP. And when you leave that
26:26 position in the military, you leave your
26:28 old job, you're you go, you retire, that
26:30 money should be rolled over into what we
26:32 call an IRA, a individual retirement
26:34 account. We get paid here to protect
26:36 IRA. So, how does that work? Imagine you
26:39 met somebody that had 250K in a TSP,
26:41 401k, 40B. You're an agent here at our
26:43 firm and that person says, "Hey, I want
26:45 to protect this money from market risk."
26:47 And you offer them a fixed index
26:50 annuity. Now, Fidelity says, "Hey,
26:51 welcome to our firm here. Uh, thank you
26:53 Chris for the introduction. We're going
26:55 to advant advance you Chris 8% in this
26:57 example here. Some are higher, some are
26:59 lower. 8% um commission on the money
27:01 being moved. This money won't come from
27:03 the client's pocket. It comes from the
27:05 insurance company for us finding a
27:08 client for them. So a4 million rollover
27:11 from a from a TSP to an IRA on 8% is
27:13 $20,000 times our average contract. Some
27:16 are higher, some are lower. $10,000 in
27:18 commission. That's not bad for a couple
27:20 hours of work. Now, what's in there for
27:23 our client? Uncapped growth. So, there's
27:25 uncapped indexing strategies tied to
27:27 fixed index annuities where a client
27:28 can't probably take any upside of the
27:31 market, which is really good. So, if the
27:32 market goes up in these next two, three,
27:34 four years, I'll get the some gains in
27:37 the market. Two, principal protection.
27:40 Wow. So, if the market crashes, my floor
27:42 is zero. I won't lose a dollar
27:44 protecting someone's IRA. Three,
27:47 tax-free rollover. This is a rollover,
27:48 not a distribution. So that client can
27:51 now roll over funds from a 401k TSP IRA
27:53 into a qualified plan where guess what
27:54 they aren't paying any taxes giving
27:56 their account time to be preserved to
27:58 grow for them until they retire. And
28:00 then four, my favorite here guys,
28:03 private pension conversion. What's the
28:04 number one reason or the number one
28:06 benefit of being a government employee?
28:08 Can you guess it? When I ask this
28:10 question every week to my clients, the
28:12 number one benefit of being a government
28:14 employee is the pension. I work 20 years
28:16 of service, 30 years of service. I get a
28:18 guaranteed check for life. What do we
28:20 strive for? Pensions to get a guaranteed
28:22 check, social security, which tells us
28:24 something really big about retirement.
28:25 Retirement is not about how much money
28:28 you have saved up. But how much income
28:30 is coming into your household guaranteed
28:32 for life and a lot of us didn't work for
28:34 the government. We worked a private set
28:35 job. You had a 401k. We were
28:37 entrepreneurs maybe. And we have no
28:39 guaranteed income. Maybe social security
28:40 if it's still there for us when we
28:43 retire. And so we help clients plan for
28:45 predictable income for life by saying,
28:48 "Hey, I have a whole IRA, old 401k, TSP.
28:49 I'mma roll it over into a fixed index
28:51 annuity and do a contract with an
28:54 insurance company. Give me a guaranteed
28:56 check for the rest of my life. Even if I
28:59 outlive the money, it's at zero. They
29:02 have to keep cutting me a check." Cuz we
29:03 all know somebody, they went back to
29:06 work in their 70s. What do they usually
29:09 say? I got bored, Chris. You know, I was
29:10 work working for so many years. I'm at
29:13 home now. I'm bored watching TV. And
29:15 some people actually get bored, but most
29:17 weren't bored. They ran out of money.
29:19 They're working at Target, Walmart,
29:20 checking off receipts. Nothing wrong
29:22 with those jobs at all. But they don't
29:25 want to do that. They retired at age 65.
29:28 Now they're age 77, 12 years later with
29:31 inflation, eggflation, cost of gas,
29:33 food, things cost more money, taxes.
29:35 Guess what? they're living off the IRA
29:36 and they're saying, "Man, I don't I
29:38 can't keep going at this rate. I need to
29:41 bring in extra income." Imagine knowing
29:42 down to the penny what you're going to
29:43 bring home per month for the rest of
29:45 your life. So, you can plan for that and
29:47 be more predictable going into your mid
29:49 late 50s, early 60s. And the last one
29:52 here, guys, imagine getting a 10% bonus
29:54 on that rollover. Imagine a company
29:55 saying, "Hey, if you roll over your
29:57 funds with us, we'll give you 10% of
29:59 your premium deposit day one." So,
30:02 taking a quart million in cash to
30:05 $275,000. which is phenomenal, which is
30:07 guaranteeing me 10% growth on my balance
30:10 that year, regardless of what happens in
30:13 the market. And in some cases, there's a
30:16 back-end bonus tied to income of up to
30:19 75%. And so, guys, as I wrap up here, if
30:21 you're saying, "Man, Chris, I can
30:22 possibly see myself doing this
30:24 part-time. We have a great program here.
30:25 We'll teach you and we'll train you." If
30:27 that's you guys, the next step in the
30:29 process is quite simple. This is a
30:31 highly regulated industry. It requires
30:33 passing a background check. If you have
30:35 any felonies dealing with money or
30:36 misdemeanor, you can have a hard time
30:38 working with us. It's not us, it's the
30:40 industry, it's our states. And so that's
30:41 that could be tough. But if you're good
30:43 there, guys, that next step is getting
30:45 licensed. Licensing cost you a couple
30:46 hundred bucks depending on the state you
30:48 reside in in the future. What's great
30:50 about our licensing process here in
30:51 insurance is that, hey, say I'm licensed
30:54 in Maryland. I pass a test. I study for
30:56 it. I take it online. I pass the test. I
30:58 got a buddy in Virginia. I got a buddy
31:00 in DC. I got a buddy in Florida, Texas.
31:02 I can go online to a site called
31:06 nipr.com. I can purchase that license as
31:08 a non-resident license without any test.
31:11 Meaning that I can take one test and buy
31:12 the rest. Unlike most professional
31:14 licenses like real estate, this requires
31:16 one test to buy the rest. It may require
31:18 continuing education after 2 years or
31:21 so, but it's a very low barrier of entry
31:23 to get involved with part-time to go out
31:24 there and learn about money and
31:25 finances, have a professional license,
31:27 and serve families. And the last thing
31:29 here guys is our platform P19 that
31:31 really gives you access to a a quite
31:32 robust system here at a company called
31:34 Integrity. We're owned by Integrity
31:36 Marketing Group. We're the biggest assur
31:38 of health, welfare, insurance policy in
31:39 the country. We're a privately owned
31:40 company located out of Tech Dallas,
31:42 Texas. If you if you look at the the
31:44 screen here, our team leadership guys,
31:45 um our our chairman of our board is a
31:47 guy named Steve Young. Maybe you watch
31:48 football in the '90s. He's a Hall of
31:50 Fame quarterback. U played ball with Jay
31:52 Rice. He's a he's a chairman of our
31:54 board of our company. Um Brian Adams is
31:56 our co-founder and CEO, right? was
31:57 labeled one of the top 100 CEOs by
32:00 Forest Magazine just last year in 2024.
32:02 And so we have a great team here of
32:04 partners and leaders that help lead our
32:05 team. One thing that we're really
32:07 striving for, guys, is also diversity.
32:10 So my wife and I had the opportunity uh
32:11 to partner with integrity marketing
32:13 group as an integrity partner office
32:14 here recently. So our office gets
32:16 support from Integrity from technology
32:18 to system. And in Terry really just saw
32:19 that my wife and I were building a
32:21 business in insurance distribution
32:22 space. They saw that this is a couple
32:24 that's reaching diverse markets,
32:26 reaching Gen Z's, millennials, all walks
32:28 of life. They want to partner with us
32:29 and they really strengthen our
32:32 credibility and access to technology
32:33 through Life Center in terms of things
32:34 they have available to us. And so you
32:36 get access to all that by becoming an
32:38 agent here at our firm, which is pretty
32:40 phenomenal. And so we'll take care um a
32:42 lot of support for you. Um payroll is
32:43 done through you through our system for
32:44 you. Um compliance, we take care of for
32:46 you in many cases. We'll help you out
32:47 with support and licensing. Um, we have
32:49 local we have special trainings and
32:52 events usually annually at maybe in
32:53 Vegas or local conferences where you can
32:55 come partake in. And we have local
32:57 support here where I'm at in in
32:59 Maryland, the DMV area, whether I'm in
33:00 DC at this time, you're watching the
33:02 video, I'm in Virginia, or you know, I'm
33:03 still in Maryland. Um, we have access
33:05 here to our office training here. We
33:07 have in-person training about 3 to four
33:09 days a week in person and online Zoom 4
33:11 days a week. So, there's many access
33:12 points for you to come into our office
33:14 or hop on Zoom to learn this new skill
33:17 set part-time to make additional income
33:18 for your family. And the last thing
33:20 here, guys, is our tech enabled back
33:22 office. You get access to a PHP agency
33:24 office platform called Bamboo where you
33:26 can track your numbers, check your CRM,
33:28 check clients, track your clients, all
33:29 that good stuff that really allows you
33:31 to also get access to online bills
33:33 through an app called Quest where you
33:35 can learn about annuities, ILs, um,
33:37 infinite banking concepts, whole life
33:39 products as a part-time agent guide. So,
33:41 as I wrap up here, I'll end with this
33:44 here, guys. Um, I'm a PK. If you know
33:46 what a PK is, uh, it stands for pastor's
33:48 kid, preachers kid, right? I was born
33:49 and raised in a household my dad was a
33:52 pastor. Um, my mom was an evangelist,
33:53 which is a little more serious, right? I
33:55 had an evangelist. And as an evangelist,
33:57 my mom had a bullhorn, old school
33:58 bullhorn that she would keep by her
34:00 door, right? And, um, Saturday mornings
34:02 at 8:00 in the morning, we'll go out to
34:03 South Central. We live in Compton,
34:05 California, and she would go for
34:06 bullhorn and go preach the gospel and
34:08 lay hands on prostitutes, drug addicts,
34:10 gangbangers, and it's part of what we
34:13 did as a family. Um, my dad did some
34:15 time in prison in the 70s, got out in
34:17 the in the 80s, met my mom and um they
34:18 they fell in love and all that good
34:20 stuff. And you know what? Uh, he had a
34:22 love for for for men who were
34:24 ex-convicts getting out of prisons. He
34:25 would help them rehabilitate them and
34:27 show them the best way of loving God and
34:29 finding peace in Christ, right? And so
34:31 my family was always giving, owning
34:33 nonprofits, serving the community.
34:35 Here's what I found. We were always
34:37 giving back. We were broke. We were
34:40 broke. Um, most my childhood, we were on
34:42 food stamps. Uh, I didn't have the best
34:44 clothing. I shot that Pay Less Shoe
34:46 Source, if you know what that is, man.
34:47 At the at the Air Seas, not the Air
34:50 Jordans, Air Seagas. And, uh, it was it
34:51 was it was what it was. But here's what
34:54 I always thought. I said, "We love God.
34:55 We honor God. We're going to church. We
34:58 love people, but we're broke." So I
35:00 thought good people who love God are
35:02 broke. And I would sit there and think,
35:05 man, I want to love God, but can I have
35:08 some money, too? And so I was born, bred
35:11 in a nonprofit environment, a heart for
35:13 serving. It's still in me. But I was
35:15 looking for a place in business where I
35:18 can make impact and influence still, but
35:20 also income. So when I found the
35:22 insurance industry, when I found the
35:24 void, the need for people in my
35:25 community to learn more about money and
35:26 find out, I said I can go out there and
35:29 generally serve people and make money in
35:32 the process. My LLC is SOS Financial
35:34 Agency. Since we're sold out servants, I
35:36 believe people in business who serve the
35:38 most always earn the most. So if you're
35:40 someone saying me, that's me, Chris,
35:41 looking for a place where I can make an
35:42 impact and influence, but also make
35:44 phenomenal income because money solves
35:46 most of my life's problems. You found it
35:48 today watching this video. So, if it's
35:49 you, you following probably three
35:50 groups. Group one, you're saying, "Man,
35:53 Chris, I own a story part-time." If
35:55 that's you, I got three guarantees for
35:57 you, right? First guarantee, you will
35:59 learn a lot about money working with us.
36:02 401ks, TSPs, IRA, infinite banking
36:05 concepts, tax code 7702, right? Say you
36:07 come on board part-time, you walk away
36:09 in 6 months, we're still good friends,
36:10 but you walk away with a wealth of
36:12 knowledge on money and finances. Is that
36:13 a good thing or a bad thing for your
36:15 family? That's a great thing, man.
36:17 Second guarantee. If you're working with
36:19 us and you're licensed by your state as
36:20 a professional in the insurance space,
36:21 you're probably going to help people you
36:23 love and care about. Mom, dad, brother,
36:25 sister, cousin, co-orker, friend,
36:26 neighbor. And you're probably going to
36:28 introduce them to National Life Group,
36:30 Fidelity, Pacific Life. They're going to
36:32 say, "Hey, cousin, brother, sister, I
36:34 need this policy. I I want to build
36:36 wealth in the IL." And when you walk
36:37 away in 6 months, they'll they're
36:39 protected and their retirement is secure
36:41 because of your decision to work with us
36:43 part-time. And the last guarantee, guys,
36:44 you're saying, "Man, Chris, I'm looking
36:46 for a place to increase my overall
36:47 income and wealth." In order to increase
36:49 your income and wealth, you must first
36:51 increase your identity. How do you do
36:53 so? By the books you read, the meetings
36:55 you attend, people you associate with.
36:56 If you're running with us, we're going
36:57 to push you. We're going to challenge
37:00 you as a man and woman to level up. We
37:01 can't guarantee any income, but we can
37:03 guarantee one thing. If you do grow
37:04 yourself, grow your mindset, grow your
37:06 identity, your income and wealth usually
37:09 always increases, guys. And so if you're
37:10 saying me and Chris, I'm open to just
37:11 learning more about money and finances,
37:13 serving my community, increasing my
37:15 overall identity and income and wealth.
37:16 I don't see any reason not to move
37:18 forward unless you do. Person two, you
37:20 got some questions. I would advise you
37:21 to reach out to the person who sent you
37:22 this video. They'll answer your
37:24 questions for you. Maybe even get you in
37:25 contact with myself. I can answer
37:26 questions for you also. And the third
37:28 person is saying, "Man, Chris, great
37:30 presentation. I've got no passion to
37:32 ever work in the insurance industry, but
37:33 you know what? Right now, I'm working at
37:35 a job that I love. I'm walking in my
37:36 purpose. I make phenomenal income. I got
37:38 some retirement accounts here. IRA,
37:41 401k, TSP. I have no clue what to do
37:43 with it. Never heard of fixed index
37:45 annuity. Never heard of index universal
37:47 life. I just want to learn more for
37:49 myself. If if that's you, whoever sent
37:50 you this video, respond back to them and
37:52 say, "Hey, man. I'm open to learning
37:54 more about the about ILS. I want to more
37:56 about fixed index annuities. I want to
37:58 learn how I can protect my money or
38:00 build wealth taxree." If that's you,
38:02 just reach back out. We'll get back get
38:03 back out to you. What we're going to do
38:05 is quite simple. Sit down with you and
38:07 ask questions. We can never guarantee if
38:09 an ILO is right for you. We'll ask
38:10 questions like, "Hey, what's your
38:12 long-term plans in saving, retirement
38:14 planning, college for kids, taking care
38:16 of aging parents, um buying your first
38:18 home, investing in real estate, and
38:20 based off your financial goals, will fit
38:22 a plan together for you." So, like I
38:24 said, person one want to get started
38:26 part-time. Person two, I've got some
38:28 questions. Person three, I'm open to a
38:30 free no look obligation and my own
38:31 personal finances guide. With that being
38:33 said, guys, happy you stay to the very
38:35 end. Again, I want to encourage you to
38:37 make a decision to just take the next
38:38 step and learn more about this process
38:40 here at our firm so we can bring value
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