Real Talk Finance - PH

“Ito ang dahilan kung bakit napakahalaga ng Financial Education.”
Hindi para maging magaling sa math.
Hindi para magmukhang mayaman.
Pero para hindi ka masaktan, hindi ka maloko, at hindi ka magsisi sa huli.
Isang 35-year-old ang kumuha ng 10-year paying VUL. Naging kampante siya na after 10 years, tapos na ang obligasyon. Walang withdrawals, walang galaw. Akala niya lalaki ang fund value — natural lang naman yun ang expectations kapag sinabing may investment component.
Pero nang mag-60 siya at kailangan na kailangan na niya ang pera…
₱1,000+ na lang ang laman ng policy niya.
Masakit.
Nakakagulat.
At higit sa lahat… puwedeng naiwasan.
Financial education could have taught her:
✔ Na hindi tumitigil ang policy charges kahit tapos ka na magbayad
✔ Na kailangan ng fund value para masustain ang insurance
✔ Na dapat regularly tinitignan ang statement
✔ Na hindi porket “10 years to pay,” tapos na ang responsibilidad
✔ At na hindi lahat ng produkto ay fit para sa lahat — lalo na approaching senior age
Hindi kasalanan maging busy.
Hindi kasalanan magtiwala.
Pero kasalanan ng system kung wala man lang nag-eeducate sa clients nang maayos.
At dito pumapasok ang importance of financial education.
Financial literacy = financial protection.
It saves you from stress, shock, and financial pain — lalo na pag senior ka na at wala nang stable income.
Kaya kung may insurance, investment, o kahit simpleng savings ka:
👉 Alamin mo kung paano sila gumagana.
👉 Mag-review regularly.
👉 Huwag mahiya magtanong.
👉 At mag-seek ng honest financial guidance.
Hindi mo kailangan ng mamahaling produkto.
Kailangan mo ng tamang kaalaman.
if gusto mo matuto about personal finance
send me a message
👉https://4392uae.imgcorp.com/linkbio

Investing keep you ahead of Inflation.
Your money loses value over time if it just sits in a savings account.
Investing helps it grow faster than inflation so your future purchasing power stays intact.
Let your money work for you through compounding interest 🙂
You don't need BIG money to start you goals. Let's talk.

📣WE ARE ACCEPTING LINE UP na po for the next batch of presentations for KAISER NATIONAL HEALTHCARE SHIELD.
Sa mga gusto po malaman at maintindihan kung gaano po kaganda ang Kaiser National Healthcare Shield,
message niyo lang po kami.
Ito po benefits sa Kaiser NHS: 👇👇
✅ KAISER NATIONAL HEALTHCARE SHIELD PROGRAM
📌 Designed for GOVERNMENT AGENCIES and Institutions like DepEd, LGUs, State Universities and more!
💼 Annual Premium: ₱7,000 lang (Tailored fit sa 7K medical allowance nyo) hindi kulang, hindi sobra! Aanhin ang sukli eh 7k nga ang medical allowance nyo. Wag sayangin ang allowance nyo. Akala nakatipid. Nabawasan ka tuloy ng benefit. Maximise your 7k medical allowance!
💊 Up to ₱75,000 coverage per illness, per member, per year. No Annual Benefit Limit!
🏥 Semi-Private Room in MAJOR accredited hospitals(has the most accredited top notched hospitals nationwide)
PRE-EXISTING and DREADED ILLNESS IS COVERED at day 1! No contestability period. Magagamit kaagad kahit may cancer, diabetes, myoma, endometriosis, cardiovascular disease, nagda dialysis, na stroke kana at marami pa!
✔ COVERED ANG:
🩺 PREVENTIVE CARE
• Annual Physical Exam (APE)
• CBC, fecalysis, urinalysis, Chest X-ray, ECG (40+), Pap Smear (40+)
🏥 IN-PATIENT CARE
• NO deposit upon admission
• Room & board, Surgery, ICU
• Medicines, Diagnostics, Specialists (surgeon, anesthesiologist, internist)
👩‍⚕️ OUT-PATIENT CARE
• Consultation with doctors
• Minor surgeries, lab & x-ray
• ENT care, Prenatal & postnatal (monthly)
🚨 EMERGENCY CARE
• ER consultations, meds, oxygen, sutures, diagnostics
🦷 DENTAL CARE (for principal only)
• Cleaning, Extraction, Fillings, Denture adjustments
💰 FINANCIAL CARE ASSISTANCE
✔ ₱20,000 – Accidental Death
✔ ₱10,000 – Natural Death
✔ Up to ₱10,000 – Loss of limbs/sight
✔ ₱5,000 – Partial loss (one eye/hand/foot)
🔬 ADDITIONAL COVERAGE:
✔ Dialysis
✔ Chemotherapy / Radiotherapy
✔ Laparoscopic Surgery – ₱50,000
✔ Advanced Diagnostics – up to ₱5,000 per procedure
✔ Congenital Illness – ₱10,000
✔ Physical Therapy – 10 sessions
✔ Rabies, tetanus shots – ₱10,000
🏥 MAJOR HOSPITALS INCLUDED:
Makati Med, St. Luke’s, Medical City, Asian Hospital, Cardinal Santos, Cebu Doctors, Chong Hua, ACE Hospitals and more!
📌 Integrated with PhilHealth
YOU CAN ADD DEPENDENTS!
Don't settle for less, you deserve the best!
📲 Message us if you want a formal proposal or FREE presentation for your school or agency.

CCTO

KAISER is a provider of the long term healthcare for more than 20 years in the industry. Accredited to over 1000 Hospitals nationwide.
Filipinos hardly prepare for this major expense - long term healthcare. That is why, isang sakit wiped out ang finances ng family.

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

✔Kapag hindi ka na employed at binawi na nung dati mong employer yung short term HMO mo, hindi ka magwoworry kung Ma Hospital ka at may kasamang Free Annual Physical Exam, Free Dental Coverage.

✔Kapag hindi mo nagamit ang annual health care coverage mo hindi sya nae-expire unlike short-term health care (HMO) na no refund ang premiums magamit mo man or hindi. Plus may cash bonus ka pag hindi ka ma admit sa Hospital within 7 years.

✔May kasama na syang life insurance for income replacement or instant money para sa family just in case may mangyari 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, at transferrable up to 4 Beneficiaries.

✔Guaranteed na tumutubo ng 10% rate of return after mo makapag hulog ng 7 years. Plus may cash bonus ka pag hindi ka ma admit sa Hospital within 7 years.

✔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 interest (compounded) annually.

✔Covered ka kahit beyond 60 years old ka na, as long as you live at may fund ang iyong account!

✔In case of emergency, pwede magamit as family assistance approved by Kaiser.

✔Maari kang magkaroon nito sa halagang 88 pesos a day lang kahit ikaw ay nasa abroad. Pwede sa OFW.

• Sino ang pwedeng maka avail nito?
Lahat ng nasa 10-60 years old mayaman man o mahirap
basta qualified kapa dito.
• If you really love your family at ayaw mong maging burden sa kanila ito yung ipon na walang tapon either you DIE TOO SOON or LIVE LONG or GET SICK.
Get Kaiser 3 in 1 (Longterm Healthcare, Life Insurance + Investment) as early as you can.

Message me for FREE QUOTATION based on your Age. ☺️

Kaiser Delivers!😍

On July 25, 2025, Ms. Linda Valerio received a 50% Maturity Benefit Withdrawal from Kaiser International Healthgroup Inc., at Omnis Prosperity Tower, Makati.

Her journey has been a long and rewarding one, and we are proud to say that she has attained the maximum level of maturity in her healthcare journey.

We are honored to recognize her hard work and dedication, and we wish her all the best in her future endeavors.

Congratulations, Ms. Linda Valerio!

Updated policy on sharing:
The following is an official post of Kaiser International Healthgroup. Sharing of this post in its original form, without editing/ revision/redaction is permitted provided it is done to promote the company.

Bread Winner ka ba?

Get to know more about the Kaiser Long-Term Care Plan—your key to a secured future.

As the family’s breadwinner, your protection is their protection. Don’t wait for the unexpected—prepare today for tomorrow’s peace of mind.

Breadwinner, sagot ka ng Kaiser. 💙

For you. For them. For the future.

Updated policy on sharing:
The following is an official post of Kaiser International Healthgroup. Sharing of this post in its original form, without editing/ revision/redaction is permitted provided it is done to promote the company.

Kaiser Delivers!

On July 25, 2025, Ms. Grace De Leon received a Maturity Benefit Full Withdrawal from Kaiser International Healthgroup Inc., in Omnis Prosperity Tower, Makati. Her journey has been long and rewarding, and we are proud to say that she has attained the maximum level of maturity in her healthcare journey.

We are honored to recognize her hard work and dedication, and we wish her all the best in her future endeavors.

Congratulations, Ms. Grace De Leon!

Updated policy on sharing:
The following is an official post of Kaiser International Healthgroup. Sharing of this post in its original form, without editing/ revision/redaction is permitted provided it is done to promote the company.

Bakit ako kumuha ng KAISER LONG TERM HEALTH CARE 11 years ago? Ngayon ay natapos ko ng bayaran at hinihintay na lang ang maturity.
Simple lang po ang sagot. Solve na nya kasi ang 3 Major Financial Needs ko.
1. INVESTMENT - kumikita ang pera mo from 6% - 10% per year. Mas mataas na interes kaysa sa banko or coop.
2. INSURANCE PROTECTION - may mangyari man sa akin may makukuhang Instant money ang pamilya ko.
3. HEALTHCARE - kung magkasakit ako pupunta lang ako sa mga accredited hospitals at si Kaiser na ang bahala.
Sa aking mga nakausap noon at hanggang ngayon. Ano na po ang plano natin? Kailan tayo magsisimula ng ating Financial Planning at pag build ng Solid Financial Foundation?
"The best time to plant a tree was 20 years ago...and second best time is NOW"
~ Chinese Proverbs
If you want Success and Growth in your future, the best time to act is now.
Ano ba ang Kaiser at bakit maganda ito sa iyo? To get a Kaiser proposal, just click the link below and fill out the required details.
👉 https://4392uae.imgcorp.com/quote/kaiser
"Our goal is to EDUCATE 30 million families by year 2030”

Why Kaiser?

In the Philippines, Kaiser International Healthgroup, Inc. is the sole provider of LongTerm HealthCare (LTC). Kaiser LTC is a 3-in-1 health savings program that solves the 3 basic financial needs of Filipinos: Investment, Life Insurance, and Healthcare.
The only HMO company in PH that provides, LTC.

Hindi natin kailangan magbayad ng MAHAL NA INSURANCE POLICY kung may AFFORDABLE naman na abot kaya sa budget natin. PERO SA MAYAMAN na maraming pera, okay lang. Ngayon may option na ang mga maliit lang ang sweldo para mainsured. 🤗🤗🤗

The most affordable LIFE INSURANCE for 1 MILLION COVERAGE‼️

INTRODUCING...

Multiple Option Super Term 18 (M.O.S.T. 18) 3.0 from IMG, in partnership with Manila Bankers Life Insurance Corporation.
Alam mo ba? mas mahal pa ang insurance ng kotse mo kesa sa life insurance na ito.

For age 32, for as low as 7,670 pesos PER YEAR, ito yung mga included benefits.

🛑1 Million Life Insurance
🛑1 Million Accidental Death Benefit
🛑500k Terminal Illness
🛑300k Critical Illness

Meron din itong nakabukod na feature para sa investment (Premium Deposit Fund) na nag e-earn ng interest every year that never goes negative kahit bagsak ang stock market. Pwede ka ding mag withdraw in case of emergency sa iyong investment na walang loan charge.

Super Affordable with maximum coverage.
Message us now for a free quote.

EXPLAIN NATIN MAIGI PARA MALIWANAG. 🙂

Pitong taon ka lang mag-iipon ng 88 pesos kada araw tapos hayaan mo ng magtrabaho ang naipon mo.
Parang binabayaran mo lang ang sarili mo.
At habang nagbabayad ka sa sarili mo, may HMO ka for 7 Years.
May term Insurance sa loob ng 20 years at retirement money kapag nagmature na ang policy mo.

Ang ganda di ba? KAISER is like no other. HMO po ito ha, hindi Health or Life Insurance. Magkaiba kase ‘yon!

Scenario 1: Nagkasakit ka at naospital. Hindi mo pwede sabihin sa Ospital o Doctor na meron po ako “Life Insurance" kase po hindi iyon tatanggapin sa Ospital. Pag na-ospital ka, maglalabas ka pa rin ng pera.

Scenario 2: Nagkasakit ka at Naospital (Not Pre-existing), then may KAISER HMO ka. Pwede mo sabihin sa Ospital o Doctor na, meron po akong KAISER. Tatanggapin yon at itatanong lang sa’yo ano po ang policy number niyo?

That is the difference. Hindi ka mangangamba kase may HMO o Healthcard ka.

Healthcard na may Term Insurance at Investment.👌
Tara, simulan na natin yung sayo. DM o PM ka lng samin guide ka namin.