IMG Coach Rhose

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This page teach how to save your future financial literacy campaingn ,Learn about ,IMG ,Kaiser,mutual ,click my biolink https://bit.ly/coach-rosemarie

20/08/2025

𝗠𝗮𝗵𝗮𝗹 𝗺𝗼 𝗯𝗮 𝗮𝗻𝗴 𝗽𝗮𝗺𝗶𝗹𝘆𝗮 𝗺𝗼? 𝗗𝗮𝗽𝗮𝘁 𝗜𝗻𝘀𝘂𝗿𝗲𝗱 𝗸𝗮🙆‍♀️👌

14/08/2025

Benefits – Kaiser Plan (Age 35)
K-100
Contract Price Php 411,750
Payment Period 7 years
Contract Period 20 years
Age 35
Long-Term Care Benefit**

At the end of 20 years (age **55**), you will receive this amount, regardless of your utilization.
**Php 100,000

Term Insurance

You are insured for 20 years. If you die during this period (ages **35 to 55**), your beneficiary will receive:

Php **450,000** for natural death
Php **900,000** if death is due to accident

Annual Benefit Limit (1st–7th year)

This is your in-patient benefit during the paying period.
**Php 60,000/year**Room & Board Benefit (1st–7th year)**

Php 1,000/day

Annual Health Benefit (8th–20th year)**

Php 10,000 per year starting from the 8th year. If unused, this **accumulates with 10% interest annually**.
**Php 10,000/year**

Total Accumulated Health Benefit**

From years 8 to 20 (age **43 to 55**), assuming no usage and 10% annual interest:
**Php 269,750**

Additional Health Benefits (Dividends)**

Estimated dividend earnings (3% to 10%) on top of the 10% annual health benefit growth:
Php 446,419

Total Health Benefit at Age 55 (Maturity)**

Php 269,750 (Annual Health Benefit) + Php 446,419 (Dividends) + Php 100,000 (LTC Benefit) =
**Php 816,168**

Long-Term Care Bonus

If you **do not use** in-patient benefits during paying period (1st–7th year), you get 85% of your total premium:
**Php 350,000**

Total Long-Term Care Benefit at Age 55 (with Bonus)

Php 1,166,168**
(Php 816,168 + Php 350,000)

Projected Fund at Age 65

Assuming you retain the Php 1,166,168 with Kaiser earning **10% compounded annually** for 10 years:
Php 3,025,847

Annual Lifetime Health Care at Age 65

10% of the fund at age 65:
Php 302,585/year

---

Projected Fund at Age 80**

Assuming continuous compounding at 10% for another 15 years (25 years total):
**Php 13,098,226

---

Annual Lifetime Health Care at Age 80

10% of the fund at age 80:
Php 1,309,823/year
Let me know to more msg Rosemarie Caldea

07/08/2025

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.

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

P. S. Kaiser is HMO

Tara usap Tayo! Message me.

31/07/2025

𝐁𝐀𝐊𝐈𝐓 𝐇𝐈𝐍𝐃𝐈 𝐃𝐀𝐏𝐀𝐓 𝐈𝐃𝐄𝐋𝐀𝐘 𝐀𝐍𝐆 𝐏𝐀𝐆𝐊𝐔𝐇𝐀 𝐍𝐆 𝐈𝐍𝐒𝐔𝐑𝐀𝐍𝐂𝐄?

Maraming dahilan kung bakit 𝘯𝘰𝘸 𝘯𝘢 ang tamang panahon para kumuha ng insurance. Eto yung ilan sa mga pinaka-practical na rason:

𝟏. 𝐌𝐚𝐬 𝐦𝐮𝐫𝐚 𝐡𝐚𝐛𝐚𝐧𝐠 𝐛𝐚𝐭𝐚 𝐤𝐚 𝐩𝐚.
Habang mas bata ka, mas mura ang premium. Ibig sabihin, mas maliit ang babayaran mo monthly or yearly para sa parehong coverage. Kaya kung maghihintay ka pa, mas tataas lang ang presyo.

𝟐. 𝐌𝐚𝐡𝐢𝐫𝐚𝐩 𝐧𝐚𝐧𝐠 𝐦𝐚-𝐚𝐩𝐩𝐫𝐨𝐯𝐞 𝐤𝐚𝐩𝐚𝐠 𝐦𝐚𝐲 𝐬𝐚𝐤𝐢𝐭 𝐤𝐚 𝐧𝐚.
Kapag may pre-existing condition ka na, may chance na ma-decline ang application mo, or hindi na i-cover yung health concern mo. Prevention is better than cure, ‘di ba?

𝟑. 𝐍𝐠𝐚𝐲𝐨𝐧 𝐤𝐚 𝐦𝐚𝐲 𝐤𝐢𝐭𝐚—𝐩𝐚𝐚𝐧𝐨 𝐤𝐚𝐩𝐚𝐠 𝐫𝐞𝐭𝐢𝐫𝐞𝐝 𝐤𝐚 𝐧𝐚?
Habang may trabaho ka pa at may income, gamitin mo na ‘yan to plan for your future. Paano pag dumating na yung time na wala ka nang regular na kinikita—kailan ka pa mag-iipon para sa sarili mo?

𝟒. 𝐃𝐞𝐬𝐞𝐫𝐯𝐞 𝐦𝐨 𝐚𝐧𝐠 𝐩𝐞𝐚𝐜𝐞 𝐨𝐟 𝐦𝐢𝐧𝐝.
Life is unpredictable. Pero kung may insurance ka, kahit papaano, may peace of mind ka na may sasalo sa’yo o sa pamilya mo kung may emergency. You deserve protection na pangmatagalan.

Hindi ito para sa iba. 𝐈𝐭𝐨 𝐚𝐲 𝐩𝐚𝐫𝐚 𝐬𝐚'𝐲𝐨.
Para sa sarili mo. Para sa pamilya mo.

𝐀𝐧𝐠 𝐭𝐚𝐧𝐨𝐧𝐠: 𝐤𝐚𝐢𝐥𝐚𝐧 𝐦𝐨 𝐬𝐢𝐬𝐢𝐦𝐮𝐥𝐚𝐧?

28/07/2025

Introducing the Kaiser NATIONAL HEALTHCARE SHIELD! ✨
For only ₱7,000 per year, secured ka na! Sulit na sulit 'to, promise!
Look at what you get:
🏥
Up to ₱75,000 coverage per illness per year! Hindi na kailangang mangamba sa biglaang gastos.
🏨
Access to MAJOR HOSPITALS! Yes, you read that right! Pwedeng-pwede sa St. Luke's (both QC and Global!), Makati Medical Center, The Medical City, Asian Hospital, Cardinal Santos, and all other accredited hospitals and clinics nationwide!
👨‍⚕️
Covered ang In-Patient Care! From room and board (semi-private pa!) to doctor's fees and lab tests.
🚑
EMERGENCY? No problem! Covered ang emergency care services mo.
🦷
FREE Annual Dental Check-up! Kasama na ang simple cleaning at fillings para sa principal members.
✅
FREE Annual Physical Exam (APE) para sa principal members, para updated ka sa health mo!
💰
May kasama pang Financial Assistance like life insurance coverage!
Ang Galing, 'di ba? Health protection na abot-kaya at dekalidad. Ito na ang sign para i-prioritize ang health mo at ng family mo this year!
Huwag nang mag-hesitate! Secure your peace of mind today.
For more info, MESSAGE ME!!!

25/06/2025

May nakita akong post, na VUL for a 30 year old, naisip ko i-compare sa MOST GRP for a 30 year old.

sa VUL, P1m death benefit, P500k accidental death, P800k ang permanent disability

sa MOST GRP, P1m ang death benefits, accidental death at permanent disability, mas maganda si MOST GRP

Sa VUL, P320k ang critical illness, sa most GRP P300k, slightly better si VUL.

Pero si VUL P3,632 ang MONTHLY, si MOST GRP, P8,388 ang ANNUAL. Alin ang mas maganda?

Pero si VUL, may investment. Sabi ni VUL, at age 66, ang investment will be worth P327 to P4m.

Kung ilagay natin sa MOST GRP ang same P3,632 monthly, at age 66, ang investment will be worth P3.5m to P22m

Ano ang mas maganda?

Kung IMG member ka, at interesado sa MOSTGRP, usap tayo. Kung hindi ka pa IMG member ka, at interesado sa MOST, may ibang plan tayong paguusapan
Ccto sir Bobet

09/06/2025

Simulan mo na ngayon. Ito ang isang bagay na
hindi mo pagsisisihang gawin! 👍👍💯

08/06/2025

𝟯 𝗶𝗻 𝟭 𝘀𝗼𝗹𝘂𝘁𝗶𝗼𝗻 𝗶𝗻 𝗼𝗻𝗲 𝗰𝗼𝗻𝘁𝗿𝗮𝗰𝘁. 𝗞𝗮𝗶𝘀𝗲𝗿 𝗨𝗹𝘁𝗶𝗺𝗮𝘁𝗲 𝗕𝘂𝗶𝗹𝗱𝗲𝗿 𝗣𝗹𝗮𝗻.

7 yrs to pay only. Very nice to be added to your SSS plan.
Payment term is flexible according to your affordability.

LONG TERM HEALTHCARE is programmed to allow you to save 7 years.
At 8th year it starts to accummulate growth of your money. It will provide you healthcare even upto 100 yrs old or as long as you live.

08/06/2025

"While others are still hesitating to get the Kaiser Long-Term Healthcare Plan, some are already enjoying the benefits of their matured savings.

Time waits for no one."

Ipon na walang tapon.

Kung hindi ka ma hospital o hindi magamit, convertible to savings.

Money back benefits.

May Healthcare, Life Insurance at Investment/Savings.

The Philippines' first and only All-in-1 Financial plan.

Open an account today.

Message me for more details.

Address

Sta Magdalena Sorsogon
Sorsogon

Telephone

+639664957054

Website

https://118955hk.imgcorp.com/, https://118955hk.30m2030.com/share

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28/07/2025

25/06/2025

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