Amazing Wellness

🌺Kaiser Ultimate Health Builder

Bakit nga ba maganda magkaroon ng Kaiser 3 in 1 Investment Product ang bawat miyembro ng Pamilya lalo na yung mga bread winner.

✔Kapag hindi ka na employed at binawi na nung dati mong employer yung shorterm HMO mo, hindi ka magwoworry kung maospital ka.
✔Kapag hindi mo nagamit ang annual health care coverage mo hindi sya naeexpire unlike short-term health care (HMO) na no refund ang premiums magamit muman or hindi. Sa Kaiser marereceive mo ang guaranteed Long-term care bonus (cash) sa maturity.
✔May kasama na syang life insurance for income replacement or protection para sa family just in case may nangyari sa policy holder.
✔Waived na ang payment kung may nangyari sa policy holder, means wala ng babayaran ang family kahit 1 year palang nakakainvest ang policy holder, ma transfer pa ang health care coverage sa beneficiary.
✔Nakainvest sa mutual fund ang health fund kaya nag-eearn sya ng 10% rate of returns at may variable earning pa depende sa performance ng stock market.
✔Good as cash sya pagdating ng maturity, So pwede kang mag-withdraw gamit ang iyong visa card. Hanggat may fund ang account mo, patuloy lang ang pag-earn ng 10% rate of returns (compounded) annually.
✔Covered ka kahit beyond 60 years old ka na, as long as you live at may fund ang iyong acçount!
✔In case of emergency, pwede magamit as family assistance.
✔Maari kang magkaroon nito sa halagang P88.23 a day mas mahal pa ang 1pc chic N' joy na may drinks & fries bes?

• Sinu ang pwedeng maka avail nito?
Lahat ng nasa 10-60 years old mayaman man o mahirap
basta healthy ay qualified po for this program?
• If you really love your family at ayaw mong maging burden sa kanila either you die too soon or you live too long.o
Get Kaiser 3 in 1 ,(Longterm Healthcare, Life Insurance +
Investment) as early as you can, "mas daig ng maagap ang
masipag"

Join our zoom event☺️

Healthcare is often the most neglected savings. Sadly, it is also the usual reason of family bankruptcy.

A lot of people get memorial plans and neglect healthcare savings.
Usually which comes first?

St. Lukes or St. Peter?
Which is more expensive? Hospital bill or funeral cost?

If your parents today don't have enough healthcare - will you allow yourself to be in the same situation during your old age?

One of the biggest expenses during our living years are healthcare related...

If you got sick during younger years.. it's also wise to prepare for the older years..
Start to save for your LONG TERM Healthcare today!!!!!

Ccttoo

𝗜𝗠𝗚 𝗠𝗲𝗺𝗯𝗲𝗿𝘀𝗵𝗶𝗽 one-time fee only

𝗔𝗻𝗼 𝗻𝗴𝗮 𝗯𝗮 makukuha 𝗺𝗼 𝗸𝗮𝗽𝗮𝗴 𝗜𝗠𝗚 𝗠𝗲𝗺𝗯𝗲𝗿 𝗸𝗮?
𝗜𝗻𝗰𝗹𝘂𝗱𝗲𝘀:

♦️ 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗘𝗱𝘂𝗰𝗮𝘁𝗶𝗼𝗻 - 𝗙𝗥𝗘𝗘
♦️ 𝗨𝗻𝗹𝗶𝗺𝗶𝘁𝗲𝗱 𝗧𝗿𝗮𝗶𝗻𝗶𝗻𝗴𝘀 - 𝗙𝗥𝗘𝗘
♦️ 𝗨𝗻𝗹𝗶𝗺𝗶𝘁𝗲𝗱 𝗪𝗼𝗿𝗸𝘀𝗵𝗼𝗽 - 𝗙𝗥𝗘𝗘
♦️ 𝗣1,000 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗶𝗻 𝗺𝘂𝘁𝘂𝗮𝗹 𝗳𝘂𝗻𝗱 𝘄𝗶𝘁𝗵 𝘇𝗲𝗿𝗼 𝗲𝗻𝘁𝗿𝘆 𝗳𝗲𝗲
♦️ 𝗣100,000 𝗽𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝗮𝗰𝗰𝗶𝗱𝗲𝗻𝘁 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲
♦️ 𝗣50,000 𝗟𝗜𝗙𝗘 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 (𝗺𝗲𝗺𝗼𝗿𝗶𝗮𝗹 services)
♦️ 𝗙𝗿𝗲𝗲 𝗲𝘆𝗲 𝗳𝗿𝗮𝗺𝗲𝘀 𝗳𝗿𝗼𝗺 𝗞𝗮𝗶𝘀𝗲𝗿 𝗮𝗻𝗱 𝗜𝗠𝗚
♦️ 𝗙𝗿𝗲𝗲 𝗨𝗡𝗟𝗜𝗠𝗜𝗧𝗘𝗗 𝗺𝗲𝗱𝗶𝗰𝗮𝗹 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻 𝗮𝘁 𝗞𝗮𝗶𝘀𝗲𝗿 𝗠𝗲𝗱𝗶𝗰𝗮𝗹 𝗖𝗲𝗻𝘁𝗲𝗿𝘀
♦️ 𝗱𝗶𝘀𝗰𝗼𝘂𝗻𝘁 𝗼𝗻 𝗺𝗲𝗱𝗶𝗰𝗮𝗹 𝗹𝗮𝗯𝗼𝗿𝗮𝘁𝗼𝗿𝘆 𝘁𝗲𝘀𝘁𝘀
♦️ 24/7 𝗮𝘀𝘀𝗶𝘀𝘁𝗮𝗻𝗰𝗲 𝗳𝗿𝗼𝗺 𝗺𝗲𝗺𝗼𝗿𝗶𝗮𝗹 𝗰𝗼𝗻𝗰𝗶𝗲𝗿𝗴𝗲
♦️ 𝗗𝗶𝘀𝗰𝗼𝘂𝗻𝘁𝘀 𝗼𝗻 𝗖𝗔𝗥 𝗽𝘂𝗿𝗰𝗵𝗮𝘀𝗲𝘀
♦️ 𝗗𝗶𝘀𝗰𝗼𝘂𝗻𝘁𝘀 𝗼𝗻 𝘃𝗲𝗵𝗶𝗰𝗹𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲, 𝗳𝗶𝗿𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲, 𝗲𝘁𝗰.
♦️ 𝗗𝗶𝘀𝗰𝗼𝘂𝗻𝘁𝘀 𝗼𝗻 𝗮𝘀𝘀𝗼𝗰𝗶𝗮𝘁𝗲 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗽𝗹𝗮𝗻𝗻𝗲𝗿 𝗰𝗲𝗿𝘁𝗶𝗳𝗶𝗰𝗮𝘁𝗶𝗼𝗻
♦️ 𝗗𝗶𝘀𝗰𝗼𝘂𝗻𝘁𝘀 𝗼𝗻 𝗥𝗲𝗮𝗹 𝗘𝘀𝘁𝗮𝘁𝗲
♦️ 𝗗𝗶𝘀𝗰𝗼𝘂𝗻𝘁𝘀 𝗼𝗻 𝗡𝗼𝗻-𝗟𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲
♦️ 𝗗𝗶𝘀𝗰𝗼𝘂𝗻𝘁𝘀 𝗼𝗻 𝗦𝗽𝗲𝗰𝗶𝗮𝗹 𝗖𝗼𝘂𝗿s𝗲𝘀
♦️ 𝗥𝗘𝗖𝗢𝗚𝗡𝗜𝗧𝗜𝗢𝗡𝗦
♦️ 𝗘𝗫𝗖𝗟𝗨𝗦𝗜𝗩𝗘 𝗘𝗩𝗘𝗡𝗧𝗦 (𝗜𝗻𝘁𝗲𝗿𝗻𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗰𝗼𝗱𝗲𝗱 𝗺𝗲𝗺𝗯𝗲𝗿𝘀)
♦️ 𝗪𝗢𝗥𝗟𝗗𝗪𝗜𝗗𝗘 𝗣𝗥𝗢𝗧𝗘𝗖𝗧𝗜𝗢𝗡 (𝗜𝗻𝘁𝗲𝗿𝗻𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗖𝗼𝗱𝗲𝗱 𝗠𝗲𝗺𝗯𝗲𝗿𝘀)
♦️ 𝗔𝗖𝗖𝗜𝗗𝗘𝗡𝗧𝗔𝗟 𝗗𝗜𝗦𝗔𝗕𝗟𝗘𝗠𝗘𝗡𝗧 𝗕𝗘𝗡𝗘𝗙𝗜𝗧 (𝗜𝗻𝘁𝗲𝗿𝗻𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗖𝗼𝗱𝗲𝗱 𝗠𝗲𝗺𝗯𝗲𝗿𝘀) ___________________________________
𝗬𝗼𝘂𝗿 𝗺𝗼𝗻𝗲𝘆.
𝗬𝗼𝘂𝗿 𝗰𝗵𝗼𝗶𝗰𝗲.

Become your own Financial Educator ❤️
"𝙊𝙪𝙧 𝙜𝙤𝙖𝙡 𝙞𝙨 𝙩𝙤 𝙚𝙙𝙪𝙘𝙖𝙩𝙚 30 𝙢𝙞𝙡𝙡𝙞𝙤𝙣 𝙛𝙖𝙢𝙞𝙡𝙞𝙚𝙨 𝙗𝙮 𝙮𝙚𝙖𝙧 2030"

WCA Travel and. Tours
Just message.me for more details 🥰👍

Don't Get me wrong, Narinig ko lng po sa training at sa Sharing🤔🤔🤔🤔

Personal finance is one of the very important thing
You should be teaching👉Yourself👈
Paano ko nasabi?
Kasi andami kong kilala madiskarte sa pera
Malakas kumita pero Financially Struggling🤦
Paano ko nasabi?
Wag na tayong lumayo relate natin sa seafarers.

Seaman is one of a high paying jobs pero bakit andaming SEAMAN Financially struggling? Mismanage income nga ba ang dahilan? Natanong mo na ba sarili mo?
Where can you see yourself 3-5 years from now? Same situation na meron ka ngayon?
Ung Walo hanggang sampung buwan mo pinaghirapan 2 months ka lang sa pinas inubos mo..
Oo pera mo yan ikaw nagpakahirap kaya gsto mo magpasarap xempre..Pero hanggang kelan? Mo aabusuhin ang income mo?

Alam mo ba na if you can only invest a portion of your salary atleast 5K a month at an average rate of return na 12% pwede ka mgkaroon ng half million in 5 years..
money working for you.. Continues ang growth nian..Ito ung pinaka best gift na mabibigay mo sa sarili mo for working really hard..😉
Ilan taon ka na ba sa barko? Ilang libong pera na ba ang dumaan sa palad mo? magkano man lang ba ang naipon mo para sa sarili mo?
Kung matagal ka ng seaman at wala kang ipon at palage mong tanong saan napunta ang hard earned money mo baka it's about time na may baguhin ka sa systema mo para in the next 5 years may mabago na sa buhay mo..

Be Financially Literate, the key is Financial Literacy.
Feel free to attend our . Anywhere in Philippines and in the world, you can attend.
Just ask me i can guide nyo po,slmt po
GOD BLESS US

It's my choice.

Studied Engineering for 5 Years
Professional Practice for 4 years.

Joined IMG Community March 2006
to learn Financial Planning, budgeting, saving, investing, insurance, how money works,

Practice a new profession as a Financial Educator/Planner (part-time) for 8 months.

Decide to Quit my dream job to become a full time Financial Educator/Planner since November 2006 to present.

Dream job is okay.
Dream career is okay.

Give your all, effort, talent and time in your job,..if you believe that it can provide you Financial independence or financial security.

Otherwise, do find something you believe in and put your life into it.

If you believe that Financial Literacy can help you and your family, then Join Us.




LearnWithm4yumii IMG Advocate
Modern Millennials of IMG

Financial Education Matters

Mahirap magretire na walang pera. 💁🧑‍🦲👵
Kapag nagretire ka, hindi ka pa naman mamamatay kinabukasan. Hahaba pa ang buhay mo ng 10-20 years, kakain ka pa rin, mananamit, may mga bills at higit sa lahat ay naglalabasan na ang sakit.
Paano na ang maintenance, pambili ng gamot, panghospital?
Kung ngayon na bata ka pa at hindi ka nag-iipon at nag-iinvest, malamang sa malamang ay mahihirapan ka talaga pagka-retire mo. Plan your retirement.
Message me para ma ishare ko sayo ang concepts paano natin ito magagawa. Dahil hindi na tayo pabata.
Wag po sanang masabi natin na sana noon pa ako nakapaghanda, kapag dumating ang mga uncertainties sa ating buhay.
Be prepared..Be financially educated.

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WHAT IS KAISER LONG TERM HEALTHCARE?

WHY IS IT A PRIORITY?

Maraming nag tatanong kung ano ang pinaka recommended na healthcare provider sa Philippines. The recommends a LONG-TERM HEALTHCARE that is not just a healthcare. It is a COMPLETE RETIREMENT PACKAGE that supports a COMPLETE and SOLID FINANCIAL PLAN.

Sa Pilipinas isa lang ang pwedeng ma e recommend sa market - it’s the KAISER ULTIMATE LONGTERM HEALTHCARE. Its a 3 in 1 na may components of (1) HEALTHCARE, (2) INVESTMENT and (3) LIFE INSURANCE .

How Does Kaiser Long-Term Healthcare Work?

⚠️It’s a 3-in-1 product that solves the 3 major financial needs of Filipinos: investment, life insurance and long-term healthcare.

⚠️The long-term care program has 3 phases: the accumulation period, extended period, and the start of long-term care period (maturity). You can use it in any of the 3 Phases and beyond Maturity.

⭐️1. Accumulation Period (7 years)

This is the part where the plan holder is made to save only for 7 years.

At this period, the plan holder gets to have these Benefits:

✔️- Free Annual Physical Exam
✔️- Free Dental Benefits
✔️- Waiver of Installment due to death
✔️- Waiver of Installment due to disability
✔️- Basic Medical Benefits
✔️- Member’s choice of room and board
✔️- Free Hospitalizaton with Annual Benefit Limit (starting at 50,000 per year depending on the plan)

NOTE: ER not included

⭐️2. Extended Period (13 years)

Since it is also an investment product, the funds have an extended period or what we call growing and waiting period as the funds are allowed to be invested and grow at an average rate of 10% yearly.

💪🏻The plan holder no longer needs to contribute in his account but just have to wait for its maturity. The funds inside Kaiser are invested in mutual funds handled by one of the top investment companies in the Philippines.

The benefits in this period include:

☝🏻- The same as the accumulation period but the payments are already deducted from the funds inside Kaiser.

☝🏻- Term Life Insurance up to the 20th year (starting at the accumulation period up to the end of extended period)

☝🏻- Accidental Death and Dismemberment up to 20th year (starting at the accumulation period up to the end of extended period)

☝🏻- Lifetime Network access to over 500 major hospitals

☝🏻- Additional Health Bonus when the market is at top performance

☝🏻- Receives the VISA card after full contribution from the accumulation period

⭐️3. Long-term Care Period (beyond 20years)
Upon maturity, the plan holder will receive the following benefits:

☝🏻- Total accumulation of unused health benefits

☝🏻- Long term care benefit or the plan coverage

☝🏻- Long term care bonus (up to 85% of return on premium contributed when there are no claims e.g. hospitalization during the accumulation period rendering the plan almost cost-free)

☝🏻Additional health benefits when the market is at top performance

💰All the above benefits will be good as cash. The plan holder now has the option to withdraw all the money, or take half of it or, let it accumulate until retirement years continuing to grow at an average rate of 10% per year.

💰Upon age 60 or 65, the person can then decide to convert it as pension type example getting the annual interest only per year, or withdraw it all as lumped sum retirement fund.

💡The beauty of Kaiser long-term care program is that when a person gets sick, it is a health fund, but if not, it becomes your savings.

💡Unlike the traditional healthcare where the person contributes per year, and when he doesn’t get sick, no return of premium is available.

💡The Kaiser long term plan covers beyond age 60 and above basing on the health funds accumulated in your account until age 100.

Your family can use your KAISER as Family Assistance applies for immediate family in case of emergency 😃

And when it matures, you can use it for anything, for anyone, anywhere in the World as it serves as your retirement funds!

DISCLAIMER: Above features maybe subject to change across time.

Ccto: sir Benj Santiago
Truly Rich Makers
Debt Destroyers

NEEDS VS WANTS

Needs = Mga bagay na kailangan mo para mabuhay nang maayos.

Wants = Mga bagay na kahit wala ang mga ito ay mabubuhay ka naman. Kaya laging unahin ang needs over wants.

Tandaan na hindi masama kung ikaw ay maging Kuripot dahil ang pera mo ay hindi pinupulot 🗂️