The Tough One's Consultation Services

Maganda kung hindi mo magamit ang 7 year HMO fund o Hospitalization Fund mo dahil ibabalik pa sa’yo ng Kaiser ang 85% na hinulog mo. Meaning, Kumita na ang 7 year payment mo at on top of that interest and investment ay ‘yun nga, may bonus pa na 85% na balik ng hinulog o return of premium.

This is a really good savings/investment program dahil 20 years lang ang maturity nito. And if you're also looking to diversify your money.

What if hindi mo kuhanin ang pera dahil malakas ka pa naman at kumikita after 20 years?

Ayos lang. Walang problema.

Iinvest pa ito ni Kaiser hanggang lumaki ng lumaki.

What if kuhanin mo ang kalahati ng maturity amount at iwan ang kalahati?

Again, ayos lang. Walang problema. Iinvest lang din ni Kaiser ang natira hanggang lumaki ulit ang fund.

What if naman kung i-withdraw lahat after maturity? Walang problema. Pera mo na 'yun.

Tandaan lang...

Magkaiba po ang Kaiser Long Term Healthcare sa mga insurance products na meron ka ngayon.

Dahil kapag nagkasakit ka, pwede mo gamitin ang Kaiser sa hospital kasi HMO siya. Ang insurance ay makukuha ng family mo kapag kinuha ka na ni Lord kaya ‘wag masyado excited.

Don’t get us wrong.

Most insurance products now have its "hospitalization benefit" pero hindi ‘yun automatic fund mo sa hospital dahil maglalabas ka pa rin ng pera at ire-reimburse mo lang ito sa insurance company. Paano kung ma-confine ka tapos walang cash? Baka hindi ka rin i-admit agad agad.

Healthcare/HMO is not equal to insurance when it comes to hospitalization concern. Kaya don't compare the two. It's best to have both.

We also advocate ang pagkuha ng insurance products dahil importante rin ito. But what we do in IMG is to really share the info and the best products kung saan at paano pa mas makakatipid ang mga nakakausap namin.

What if your savings could protect your life?

✔️ Save while you’re healthy
✔️ Get protected when it matters most
✔️ Build a future you can rely on

Start your Kaiser 3-in-1 Saving Program today
✔️ Monthly options available
✔️ Upgrade anytime
✔️ Protection + savings in one plan

🚨 Don’t wait for an emergency to value your health.
Medical bills are expensive. Being prepared is priceless.

📩 Message now. Your future self will thank you.

✨ Sabi ni officer, “Mam, may Kaiser po ang kuya ko noon.”
👉 13 months pa lang nagbabayad ang kuya niya for a K100 plan.
👉 But when her brother passed away due to accident, their family received ₱900,000 term insurance from Kaiser.
👉 The plan was fully paid, and transferred to their father.
👉 Unfortunately, her father also passed away. She asked if napasa ba ulit yung plan…

We checked her Kaiser OPMS, and yes - confirmed.
📌 Nailipat sa mama niya
📌 And now, they’re just waiting for the maturity: ₱1.1 Million
Sabi niya pa, “Sa lahat ng insurance na meron ang kuya ko… sa Kaiser lang kami may nareceive na term insurance.”

Grabe. Naamaze kami lahat.
Mission Delivered 🎯❤️☝️
A plan they barely noticed before… naging malaking tulong pala sa oras ng pangangailangan.

❤️ Kaya we always encourage people to start NOW.
We never know what life will bring.

Because whether we like it or not…
⚫ Die too soon
⚫ Live too long
⚫ Get sick

These three realities are part of life.
But having long-term healthcare + insurance gives us something priceless:
✨ Peace of mind.
✨ Protection.
✨ Security for the people we love.

If may chance ka to start, start while you can.
Your future self — and your family — will thank you. 🙏💛

Our Healthcare Savings Fund is the most neglected, less important savings goals/target in our list...
.. until the day we start to get sick, then sadly it becomes everyone's (family members, friends) priority.
Don't wait until it becomes urgent (emergency, life and death, huge medical bills).
Make it urgent today, while healthy.
Make it urgent today, while affordable.
Save for future health and medical expenses.
Financial Peace of mind is a top priority.
Get started with your Complete Healthcare Plan.
May 3in1 Longterm (lifetime) Healthcare kana ba?
Your family deserves Peace of Mind.
Learn more and message me.

Care That Keeps Families Worry-Free 💙

Kaiser’s Short-Term Healthcare Plan provides comprehensive coverage for preventive care, dental services, out-patient and in-patient treatment, and emergency care—ensuring every family moment is protected, secure, and worry-free, so you can focus on what truly matters.

WHY KAISER IS THE BEST investment to START? 💙

Save only for 7 years, maturity period is on the 20th year.
Can be covered by healthcare kahit 100 yrs old ka na!

ANO BA ANG KAISER LONGTERM HEALTHCARE?
Ito ay 3 in 1 product.
Meron healthcare + insurance + investment.

✔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 mo man 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 masamang mangyari sa policy holder.

✔Waived na ang payment kung mamatay o ma totally disabled ang 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.

✔Portion of the fund is invested in Mutual Funds.

✔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 projected 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!

• Sino ang pwedeng maka avail nito?
Lahat ng nasa 10-60 years old mayaman man o mahirap.

• If you really love your family at ayaw mong maging burden sa kanila either you die too soon or you live too long.

Get Kaiser 3 in 1 (Longterm Healthcare, Life Insurance + Investment) as early as you can, "mas daig ng maagap ang masipag"

Need a long term healthcare investment?

Start your Kaiser 3in1 Long Term Healthcare now.
MESSAGE US for more details and free quotation!

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ISANG KATOTOHANAN, DAPAT PAGHANDAAN!

Dahil dito, kailangan natin ng kaagapay para sa ating kalusugan at sa ating pagtanda. Invest in your 𝐇𝐞𝐚𝐥𝐭𝐡, Invest 𝐋𝐨𝐧𝐠𝐭𝐞𝐫𝐦 with 𝐊𝐀𝐈𝐒𝐄𝐑 𝐋𝐨𝐧𝐠𝐭𝐞𝐫𝐦 𝐇𝐞𝐚𝐥𝐭𝐡𝐜𝐚𝐫𝐞 .

Sino ba si 𝐊𝐀𝐈𝐒𝐄𝐑? Hindi po 𝐈𝐍𝐒𝐔𝐑𝐀𝐍𝐂𝐄 𝐂𝐎𝐌𝐏𝐀𝐍𝐘 ang Kaiser.

Si 𝐊𝐀𝐈𝐒𝐄𝐑 po ay isang 𝐇𝐌𝐎 na may kasamang 𝐁𝐞𝐧𝐞𝐟𝐢𝐭𝐬 na 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 at 𝐈𝐧𝐯𝐞𝐬𝐦𝐞𝐧𝐭.

Si 𝐊𝐀𝐈𝐒𝐄𝐑 lang ang tanging 𝐇𝐌𝐎 na may 𝐋𝐨𝐧𝐠𝐭𝐞𝐫𝐦 at pede ka magipon for only 7 years, meron ka ng sariling 𝐇𝐞𝐚𝐥𝐭𝐡𝐜𝐚𝐫𝐞 𝐋𝐢𝐟𝐞𝐭𝐢𝐦𝐞.

Huwag kang umasa lang sa 𝐇𝐌𝐎 as part of your benefits of being an 𝐞𝐦𝐩𝐥𝐨𝐲𝐞𝐞 sa panahon ngayon halimbawa na mag 𝐫𝐞𝐬𝐢𝐠𝐧 ka o mag 𝐫𝐞𝐭𝐢𝐫𝐞 ka, hindi mo madadala iyan or di ipapamana ng 𝐜𝐨𝐦𝐩𝐚𝐧𝐲 mo, ang 𝐜𝐨𝐯𝐞𝐫𝐚𝐠𝐞 lang nyan ay ang panahon nagwowork ka sa kanila.

Prepare for your 𝐋𝐨𝐧𝐠𝐭𝐞𝐫𝐦 today, para sa pagdating mo ng 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐚𝐠𝐞 mo meron kang dala dala na 𝐇𝐌𝐎.

Start today, while you still can.
Just message me to know more about 𝐊𝐀𝐈𝐒𝐄𝐑 𝐋𝐨𝐧𝐠𝐭𝐞𝐫𝐦 𝐇𝐞𝐚𝐥𝐭𝐡𝐜𝐚𝐫𝐞. Thanks.