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financial Literacy to know the people about financial literacy education.

12/07/2025

With Teresita Baranggan – I'm on a streak! I've been a top fan for 8 months in a row. 🎉

12/07/2025

Bakit nga ba maganda ang Kaiser 3in1 Health Savings?
1. 7 years ka lang mag-iipon. After 7yrs, fully paid kana.
2. Starting 8th year nagsisimula na ang accumulation period. Yung naihulog mo mag~earn na ng interest yan, habang hinihintay mo na na mag mature ang plan. Yung interest niya magkakainterest pa.
3. Pag sinuwerte ka at kinuha ka ni Lord sa loob ng 7years na paying period, automatic fullypaid yan kahit 1month palang nahulogan mo. Tapos may makukuha pa pamilya mo.
4. Kapag naman nagkasakit ka, may panghuhugutan ka na ng gastusin mo dahil may healthcare coverage ka.
5. Pagdating ng 20th year matured na ang plan mo good as cash na po yun. May option kang kuhanin 100% or 50%. Pag di mo naman kinuha ang maturity money mo, tuloy tuloy parin ang healthcare coverage mo at may retirement money kana. Whatever unused fund tuloy tuloy parin ang pag-eearn ng interest. Nasa visa card mo na yan ang fund. Anytime you can use your own fund.
Kaya pag may Kaiser ka tatanda kang secured! ❤
Ano pang hinihintay mo, prepare your retirement years today!

08/07/2025

𝐒𝐢 𝐌𝐚𝐫𝐤, 𝐦𝐚𝐲 𝐇𝐌𝐎 𝐩𝐞𝐫𝐨 𝐧𝐚𝐠𝐮𝐥𝐚𝐭 𝐬𝐢𝐲𝐚 𝐧𝐮𝐧𝐠 𝐡𝐢𝐧𝐝𝐢 𝐩𝐚𝐥𝐚 𝐢𝐭𝐨 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞

Ang sarap sa pakiramdam pag alam mong may HMO ka, di ba? Kampante ka kasi may health coverage ka sa trabaho. Ganyan din si Mark—hanggang sa isang araw, bigla siyang nagkasakit.

Doon lang niya na-realize: Magkaiba pala ang HMO at insurance.

✔ HMO – Para sa checkups, confinement, at medical expenses sa accredited hospitals.
✔ Insurance – Para sa mas malalaking gastos, critical illness, at financial protection ng pamilya.

Hindi mo kailangang mamili sa dalawa—magkaiba sila pero magkasamang mas magandang proteksyon.

Wag hintayin na dumating ang emergency bago mo malaman ang kaibahan. Send me a message para malaman kung paano ka makakapagplano nang maaga.
Ctto

17/04/2025

This is it gusto mo bang mag invest sa mga companies na eto mag IMG Ka na para Ka gaya ko maka pag start Ka na the best talaga ang IMG maka pag invest Ka sa mga malalaking campany sa maliit na halaga the best 💪👍🫶

👉 DM ME I'm happy to assist you ☺️🙏

09/04/2025

Sa Kaiser, ito ang 𝗴𝗮𝘀𝘁𝗼𝘀 𝗻𝗮 𝘄𝗮𝗹𝗮𝗻𝗴 𝘁𝗮𝗽𝗼𝗻 — kasi bawat bayad mo, may balik!

Habang malakas ka pa, bakit hindi 𝗽𝗮𝗴𝗵𝗮𝗻𝗱𝗮𝗮𝗻 ang panahon na wala ka nang kita? Pag may 𝗯𝗶𝗴𝗹𝗮𝗮𝗻 𝗴𝗮𝘀𝘁𝗼𝘀 na 𝗣𝟱𝟬,𝟬𝟬𝟬 hospital bills, ang solusyon dapat may 𝗵𝗲𝗮𝗹𝘁𝗵𝗰𝗮𝗿𝗱 𝗸𝗮 𝗮𝘁 𝗶𝗽𝗼𝗻 pero kung wala, sa 𝘂𝘁𝗮𝗻𝗴𝗮𝗻 ang takbuhan.

Bakit hindi 𝗺𝗮𝗴-𝗶𝗽𝗼𝗻 ng 𝗣𝟮,𝟲𝟰𝟳 kada buwan lang sa loob ng 𝟳 𝘁𝗮𝗼𝗻.

May 𝗵𝗲𝗮𝗹𝘁𝗵𝗰𝗮𝗿𝗲 ka na, 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁, at 𝗹𝗶𝗳𝗲 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻 pa!

At kung maaga kang magsimula, puwedeng umabot ng P9.1 Million ang savings mo.

𝗦𝗺𝗮𝗿𝘁 𝗰𝗵𝗼𝗶𝗰𝗲? Ikaw ang pipili. Ang importante — 𝗺𝗮𝘆 𝗽𝗹𝗮𝗻𝗼 𝗸𝗮.
Message me how I will guide you!

💙

03/04/2025

Ayaw ng HMO (Healthcare Maintenance Organization) kasi kumuha na ng VUL (Variable Universal Life) insurance with some riders.
Read to understand, bago kumuha intindihin. Lamang ang may alam.

Client: I don't need HMO because I already have VUL insurance and I am paying the CIB and HIB rider as well.

IMG Educator: That's good to hear maam/sir. But let me share some inputs if it's ok.

>>HMO covers all kinds of illnesses. Every time you get hospitalized for whatever reason, it pays the bill. Recommended.

>>CIB (Critical Illness Benefit) is good because it prepares us for the worst. But you can only use this if your health issue is on the critical illness list. Meaning, you can't claim if it's just a simple migraine or headache. It needs to be a "brain tumor" in order for you to get covered.

>>HIB (Hospital Income Benefit) is also good because it provides daily allowance during the insured's stay in the hospital. Normally around 1,000 or 2,000 per day depending on the premium you're paying. Let's just say you don't have an HMO, only HIB, you've been hospitalized due to severe diarrhea, you stayed in the hospital for 4 days but your bill is 50k because of the antibiotics, room and board, doctor's fees and other fees. HIB only covers 4k or 8k then. How about the remaining 46k? How can it help?

Client: Really? I didn't know that. I didn't read my policy.

IMG Educator: I'm not saying that you terminate your riders. I'm saying you need to understand what are those for. What are the limitations and how to fill those gaps in? No need to choose. Get them all if you can.

This is a concept our organization, IMG, is sharing to the community.

Sometimes HMO premiums are cheaper than these. (depending on age)

P. S. Kaiser is HMO

Tara usap Tayo! Message me.

31/03/2025

Sos, Kung nagkuha ka ug kaiser naa na unta kay life insurance and health insurance and investments naa naka karon proteksyon for your family💖

Imagine:
✅ Protektado ka against emergencies
✅ Naa kay savings nga nag-grow
✅ Peace of mind for you and your family

Dili pa ulahi! Pwede pa gihapon makasugod. Gusto ka i-discuss nako nimo ang best options para nimo?
Pm me !I will help you how?
to everyone

17/03/2025

The most important financial product you need to have today is HEALTHCARE.

We all know that...

👉 PhilHealth is not enough.
👉 Short-term healthcare is not enough.
We all know that...

👉 VUL is not a healthcare plan.
👉 Hospital Income is not a healthcare plan.
👉 Critical Illness is not a healthcare plan.

We all know that...
👉 Asking for help on Facebook is not enough.
👉 Soliciting is not enough.

You might end up selling your properties, withdrawing all your money, acquire a lot of debt just to pay the hospital bills.
That's why it's very important to start building up your long-term healthcare savings starting today.

Kaiser Long Term Care
A 3in1 savings program that has healthcare, life insurance and investment. You only need to save for 7 years and you're lifetime covered with healthcare.

✅ If you think healthcare is expensive, try getting sick without it.
✅ Iba pa rin kapag may peace of mind... And you don't want to become a burden to your family and friends, right?
Time is our greatest ally in building wealth 🙋🏻‍♀️

A lot of older people are playing catch up saying "bakit ngayon ko lang nalaman ang tungkol dito, andami ko nang pera na nasayang."

Start today, while you still can. ❤️👌🇵🇭
BOOK A SCHEDULE WITH ME

03/03/2025

Isa sa anak ng ating IMG member na nag passed away, nakuha ang naipon ng kanyang ina sa Soldivo funds at Fidelity (IMG exclusive benefits).

Kaya lahat tayo (IMG members), lets make it a habit ang pag top up sa Soldivo Mutual Funds for ourselves and for our Family.

19/02/2025

Shout out to my newest followers! Excited to have you onboard! Bevian Bernales, Amal Gharami, E J-a Vlog

Address

Tankulan, Manolo Fortich Bukidnon
Ozamiz
2700

Telephone

+639270471393

Website

https://392814ph.imgcorp.com/

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