I'm very sorry my former financial planner set me up with an annuity for this outfit. They don't…read morecall back, different agents tell you different things and they seem unorganized. They waffled on their policies. I would probably not trust them to help you meet your financial goals.

When I moved my money from another financial institution, I was promised that customer service was…read morea strenght of this company. In 2018, I had a medical emergency and the affiliate of NLG in Arlington was supposed to help me get funds out for the hospital bills I was incurring at the time. They promised it would take five days (5) and after countless calls, it took them a MONTH to get that money out. Additionally, I was not able to access my online account due to an error on their part- they had the wrong birth date. The Arlington office blamed corporate, corporate balmed the Arlington office, and time passed. A week ago, a bit wiser about taking money out, I tried to access my online account and again IT IS NOT WORKING still. So, I called corporate and waited half an hour on the phone to talk to a customer service representative that told me the fastes way to ask for a withdrawl was to fax it. I did a week ago, and still, no money. Today I called corporate and, a woman with a horrible attitude that most likely did not realize I am a customer, answered and said that I had not received it because "needed to mark it as an emergency"., blah blah blah... (I did in fact mark it as an emergency) At this point, she says it will take about 1 or 2 days more -- with her horrible attitude. I want to make sure that NLG realized it is not good to mistreat a customer the way they have me. I am not able to take my money out right now but, I will as soon as I can. Shame on you!

The training I'm getting is absolutely top notch! I'm very happy to be in the business of helping…read morefamilies. The only reason I'm not giving 5 stars is because of the entry fee.

From the owner: Founded in 2009, PHP Agency Inc. is a tech-enabled national financial services organization. PHP…read morepartners with leading insurance and annuity carriers to support customers' insurance needs and provides a part-time or full-time opportunity to those seeking careers as life insurance agents.

Hello, even if this is the policy the computer wiping out an appointment after 10 minutes of…read morelateness should be changed. Dallas traffic made it difficult to make it to my appointment and I was 12 minutes late but the front desk lady not even trying to help & showing no remorse whatsoever. I know that I was late but to have my scheduled appointment "wiped from the system," is ridiculous. There were not even many people in the building and the front desk lady did not even offer to help me reschedule. horrible service!

We have had our insurance since we moved into a new property and had a pipe burst, a sudden and…read moremassive flooding of our entire place and instead of providing coverage per our policy and assisting with relocation, we found our adjuster and his manager doing everything to evade coverage saying we had no mold coverage. This was not a concealed leak that turned into mold, this was a pipe burst during the freeze and we've found our policy was terminated immediately after saying we weren't pleased with their coverage. They are refusing to cover the appropriate dwelling coverage to rebuild the property affected, the freezing water flooded the entire property. Our adjuster advised against water restoration or mitigation and the policy that covers (co-insurance) the damages first only covers a woefully inadequate amount in both remediation and the build back and AAA has continued to refuse coverage when mold grew due to their delay in getting us any services, they left area rugs rotting and molding for over 3.5 wks. or longer while the other policy's adjuster found us a water mitigation company explained why water mitigation was critical and our personal dwelling coverage is not being used to cover the remediation costs while they used untrue policy rules they made up as they went along saying they couldn't relocate us until the other policy was completed the excuses grew and our desk adjuster claimed to have a house that met our special needs when we said we wanted to know where this house was and went to the manager this house suddenly was no longer available and they never gave us the address b/c they never had a place to relocate us to. The work will take approximately 5 months, it's complicated then our policy was terminated saying it was b/c we moved our car insurance to where it was better and less than 50% the cost AAA offered. No where in our policy does it state we must have auto coverage (clearly offering no discount advantage) and nothing was said when we tried to keep our auto coverage with AAA instead they apologized they couldn't provide competitive pricing. No one with AAA said, seeing we had a claim, our policy would be canceled and now we've found new coverage but we still haven't gotten the core issues resolved and had no choice but to file a claim with the Texas Department of Insurance. I would go to any other provider to get coverage, go where you have an agent that will be your advocate and stay away from AAA. This has caused unimaginable uncertainty, illness, duress and we worry about the value of our property with no policy alone covering the damages. The other insurance company doesn't feel AAA has acted in good faith and the excuses given don't add up to them either. They're willing to take the claim from AAA in subrogation but we're getting nowhere so we're looking for the TDI to assist us in getting this claim covered properly and no one should have to go through any of this when enduring a crisis that damages their largest investment your insurer should get you through a claim with professionalism and support. We remain with a claim that is unresolved when we should've had the work completed and could've been back into our home. Be careful, use all of the advocacy groups available to you, get a public adjuster, don't allow the water restoration company do anything to your property and not take any responsibility for damages they caused to both our property and our appliances. Go anywhere else I've heard Chubb is the very best and have outstanding customer satisfaction.

NTA LIFE goes over and above to make sure the clients get personal service. Their care for details…read moreand helping with preparation of claims is better than anywhere else I've experienced.

Buyer Be AWARE!!!…read more TL;DR -- NTA Life refuses to pay on it's policies to the people they claim to protect like public servants. I have paid over $6,600.00 to the in about 4 years and they have denied 2 claims and are currently working to deny my recent claim of $3,000.00. Awful company! Teachers do NOT buy their products. They refuse to pay out claims and their website is constantly broken when you are trying to see communication for claims. I will write more this evening whenI have more to add as I am short on time at the moment. I bought a disability and cancer policy from NTA life in 2023. I was forthcoming of my medical conditions including a double laminectomy on my spine, asthma, and long term COVID. I informed the agent who was filling out my application on a computer. (Apparently their agent omitted the truth and claimed that I had no pre-existing conditions within the previous 10 years, when I told him about my spine surgery in December 2022 and that I had been hospitalized in Jan-Feb 2021 with COVID Pneumonia which turned into long term COVID). As of December 2025, I have paid close to $6,600.00 to NTA Life for these policies to have 2 claims already denied. As of now, I had to have an ancillary spinal fusion in my lower spine at the end of August 2025 and was out of work for 5 weeks. Total claim that should be paid to me is about $3,000.00. NTA Life has been so slow with their response, that I would say a sloth can move faster than this company has. In October, they claim to have requested information from my doctor's office twice and that my doctor's office is refusing to give it to them. I spoke with my doctor's office and no request had been made to them. My doctor's office finally received one request from them and in Mid-November and takes up to 15 business days to send the medical records requested. During this time, NTA Life decided to "investigate" my application as it does not reflect that I had a pre-existing condition of spinal surgeries in the past, nor does it reflect asthma, nor does it reflect long term COVID dignosis. All of which I told their agent at the time of application about. So now, they have collected another month of premiums of mine while "investigating" my application and while determing if they will pay out the claim. It is awful!!! My bills did not stop nor have they stopped because NTA Life refuses to pay out a simple claim of $3,000.00. I would recommend that you do NOT buy their products as they will NOT do what they say they will do. Istead they drag their feet and screw the people they claim to protect -- public servants that do not qualify for disability as public servants do not pay into it. Therefore, we rely on disability insurance programs like NTA Life to help fill that need. I could have taken my close to $6,600.00 and placed it into a savings account and earned minimal interest and withdraw the money I need to pay my bills from it and keep putting the monthly premium into that account for the future. DO NOT USE THIS COMPANY PLEASE!

Great place to work and I love the people. Always willing to help and taught me what I needed to…read morestructure my financial health.

I tried to cash in the cash value for my Whole Life/extended Term life insurance last week. I…read morefilled up the documents they sent me for Surrendering Policy. I've filled it up and requested for EFT but they mailed the check instead which would take 3 weeks to get to me. I'm very disappointed on their communication process or method. They didn't reach out & communicate to me about their decision to mail the check instead. I suggest to find a different insurance company to purchase for your needs.

I've worked with Jason, at "The Phoenix Insurance" for many years. I started out with a motorcycle…read morepolicy and soon after switched both my homeowner and auto policies over to him. Can't say enough good things about both Jason and "The Phoenix Insurance." Very professional, and he's always gone the extra mile for me to find the best possible coverage with the best possible rates. Highly recommend that you give him the opportunity to earn your business.

Horrible service. These people will not work without getting confidential documents from your other…read morecarriers and are extremely rude. They likely don't get reviews from people who don't write a policy with them. Don't bother reaching out to them.

W Tucker took me on when I was totally confused about Medicare and had received bad advice from…read moreanother " expert". He was so patient with me and did the research I needed to make a simple choice. I would recommend this lovely man to anyone!

Thanks to W I was able to save so much money! My old insurance was so expensive and he helped me…read moreget a way cheaper rate! Highly recommend! Sweet guy, super easy to work with