JDD Health&Wealth Care

Kaya taralets, mag Kaiser na tayo. Healthcare, Insurance at Investment.

Ang Kaiser Ultimate ba ay VUL?
This past week, may dalawang nagtanong sa akin kung VUL ba ang Kaiser Ultimate Health Builder
Medyo nakakatawa ang tanong, kaya ang sagot
No, it is not!
Kaiser Ultimate is a healthcare solution
VUL is a life insurance solution

Pero baka nalito lang ang nagtatanong, kasi ang comparable lang ay ang rough description:
VUL is 2-in-1 life insurance + investment
Kaiser Ultimate is 3-in-1 healthcare + life insurance + investment
Specifically, ang Kaiser Ultimate ay 3-in-1 solution na:
healthcare "if you get sick"
life insurance "if you die too soon"
investment "if you live long"

Hindi comparable ang healthcare solution sa insurance solution. Sa karamihan ng details, magkaiba sila:

Ang Kaiser Ultimate ay long term health care solution, na offered ng HMO company. Ang VUL ay life insurance solution na offered ng life insurance company.
Sa Kaiser, kapag sinabi na pay 7 years, ang ibig sabihin magbayad ng 7 years at SIGURADONG fully paid na. Sa VUL pag sinabi na pay 10 years, ang ibig sabihin, magbayad ng 10 years, at SIGURO bayad na. Maaring kailangan magbayad ng dagdag.
Ang Kaiser Ultimate ay may fixed contract price, at dahil maaaring maging fully-paid, nag-i-issue ng certificate of full payment. Ang VUL ay never napu-fully paid, kaya walang certificate of full payment.
Ang Kaiser after ma-fully pay, ay may SIGURADONG cash value hanggang hindi terminated. Ang VUL ay hindi napu-fully pay, at walang guaranteed cash value. SIGURO may cash value at maaaring maubos dahil sa insurance charges.
Ang Kaiser health fund ay may SIGURADONG growth na 3% to 10%, pero usually 10%. Ang VUL, walang guaranteed growth, minsan negative.
Sa Kaiser, SIGURADONG WALA nang fees at charges after 7 years. Ang VUL, SIGURADONG MAYROON insurance charges habambuhay.
Sa Kaiser, pareho lang ang bayad ng 10 year old sa 60 year old sa eligible plans. Sa VUL, mas mahal ang bayad ng 60 year old sa 0 year old. Sa 50 - 60 year old, baka mas murang life insurance ang Kaiser kaysa VUL :-)
Ang Kaiser Ultimate, laging may healthcare, ang VUL usually walang healthcare.
Hindi talaga comparable ang Kaiser Ultimate

Always choose the right healthcare. Kaiser is here to protect your family in times of need.

Learn more about Kaiser by visiting my page

Habang bata pa dapat maghanda para sa pagtanda hindi magiging kawawa.

Learn more about Kaiser visit JDD Health&Wealth Care

The main purpose of having an INVESTMENT is not to make you rich. Investments is the continuance of your lifestyle and will sustain in
providing your needs when we retire.

Facts :
When we get old -
* We'll become irrelevant to the government.
*To our friends.
* To the society and community where we
belong.
* Perhaps, even to our own family.

Sapat nang magtiwala ka na mahal ka nila, pero 'wag na 'wag kang umasa. Build your own retirement fund.

PITONG PARAAN UPANG DI MABITIN SA PERA

1. SAVE. Pay yourself first, bawasan ang kita bago gumastos at magbayad ng mga bills para may madukot ka in case of emergency..

2. GIVE. Honor the Lord and give back with the heart.

3. GET OUT OF DEBT. Hindi masama mangutang kung gagamitin mo sa tamang paraan at binabayaran mo ayon sa iyong pangako. Pero kung gamitin mo yong utang mo para sa luho, yan ang pinakamalaking mali.

4. LIVE SIMPLY. Be frugal. Keep your expenses less than your income. Huwag gumastos ng malaki pa sa kinikita mo.

5. INCREASE YOUR CASH FLOW. Magsipag. Maghanap ng sideline, maging enterprising, magnegosyo.

6. MAG-INVEST FOR THE LONG TERM like insurance, healthcare and retirement funds.Tatanda ka rin, magreretire, magkakasakit at lilisan sa mundo kaya dapat paghandaan mo rin ito para hindi ka magiging panic sa mga anak mo o mahal mo sa buhay. But investigate first before you invest, para hindi maloko sa mga scams.

7. EDUCATE YOURSELF. Mag-aral, magbasa ng libro at mag attend ng mga Financial Literacy Class para madagdagan ang iyong knowledge at skills.

bit.ly/Build_wealth_for_YourFuture

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BANK vs KAISER SAVINGS PLAN

DID YOU KNOW
which BEST suits you?

Take this as a GUIDE. 🙂

Let say you're 25 years old now.
You invested P2,647.00 per month,
for 7 years.
BANK
If you invested in the BANK
with 1% rate of return per year,
your money after reaching the age of 60
is P277,470.00.
KAISER PLAN
If you invested in KAISER
with an average 10% rate of return per year, your money after reaching the age of 60
is P2,192,119.00

>>>>>>> See the difference? 🤔

GROW your money
FASTER and
BETTER
by investing in Kaiser Savings Plan
with 10% average returns per year.

Kaiser Long Term Care
(also known as Kaiser Ultimate Health Builder (3in1 Plan)
- is an HMO (Health Maintenance Organization) savings plan which is a complete Financial Solution
that answers our
3 Major Financial needs:

HEALTHCARE - magagamit natin when we get sick, hindi na natin problema ang pampaospital. At covered tayo nito even when we retire - kung saan mas kailangan natin ang healthcare, kasi dyan na naglalabasan ang mga health conditions.
LIFE PROTECTION - in case something happened unexpectedly - makaka-receive ang family ng life insurance money. This is crucial especially kung ikaw ay family privider or breadwinner - hindi na problema ang mga gastusin, pampaaral sa mga anak, at magagamit din na makapag-start ng business to keep generating income.

INVESTMENT - if we live too long - it's good news, pero ang tanong ngayon, "enough ba ang savings natin to support our needs when we retire?" - This will generate passive income sa ating retirement years, ito ang panahon na hindi na tayo nagtatrabaho at kumikita ng active income kaya kailangan natin magbuild ng passive income as early as we can para kahit na hindi na tayo nagtatrabaho ay tuloy-tuloy ang income.

Now, you decide!

Time is precious
and reget is always at the end.

Take control of your future while you can!

Be Healthy
and Insured
while Investing!

Message me to know more,

𝗔𝗻𝗼 𝗮𝗻𝗴 𝗸𝗮𝗴𝗮𝗻𝗱𝗮𝗵𝗮𝗻 𝗻𝗮𝗻𝗴 𝗸𝗮𝗶𝘀𝗲𝗿 𝘀𝗮𝘃𝗶𝗻𝗴 𝗽𝗿𝗼𝗴𝗿𝗮𝗺?

Sa KAISER seven (7) years lang mag-iipon pero lifetime ang benefits kaya walang pera na masasayang dahil ito "𝑨𝒏𝒈 𝑰𝑷𝑶𝑵 𝒏𝒂 𝒘𝒂𝒍𝒂𝒏𝒈 𝑻𝑨𝑷𝑶𝑵".

𝟭. 𝗠𝗮𝘆 𝗛𝗘𝗔𝗟𝗧𝗛𝗖𝗔𝗥𝗘 𝗼𝗿 𝗛𝗠𝗢 - sa oras na magkasakit may magagamit na healthcare

𝟮. 𝗠𝗮𝘆 𝗟𝗜𝗙𝗘 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 -may maiiwan na pera sa pamilya kapag kinuha ni Lord ng maaga or ma-disabled.

𝟯. 𝗠𝗮𝘆 𝗜𝗡𝗩𝗘𝗦𝗧𝗠𝗘𝗡𝗧 - may pera na magagamit sa retirement or after policy maturity.

Start now habang bata pa at kaya pang mag ipon... dahil mahirap ang walang ipon lalo na sa panahon ng pagkakasakit.

We can guide you on how to start.
Message us to book an appointment!

🤗Pwede kang mag ipon kahit pa P20, P50 o P100 lang araw araw pinaka savings ko at kahit paano ay may maiiwiwidraw ka din kung sakaling dumating na kakailanganin mo ito . . .
👍Maging member ng IMG at ang mga hinulog mong pera ay mapupunta sa pag iinvest ng mga kumpamyanyang ito.
☑Bukod sa pag iipon may insurance ka pa ng 100k mula sa Manipa Bankers
☑10% to 12% ang interest at 💯 legit 20 years na po at naka register po ito sa SEC at may malaking Reserved money sa Banko Central.

Most of the time being sick is not the main concern, BUT the hospital bill is.

When we are still healthy we do not realize that we need to save and prepare for our future healthcare costs.

Unless you are sure that you won't get sick.

Having a short-term HMO is not enough because the moment you need healthcare the most, oftentimes you are already unemployed and in your retirement years.

When you get caught unprepared, here are the scenarios:

1. Your kids pay for your hospital bills
2. Your kids will ask money from your relatives to help pay for your hospital bills
3. Your kids post on social-media and ask for donations from friends and even strangers.
4. Your family will sell properties (if you have any) like house, car, land, and even businesses at a very low rate.
5. Your family takes on emergency loans that become a burden to pay after.
6. Your family will go to PCSO and/or other gov't agencies to ask for financial assistance.

and the list goes on and on...

If you don't want any of the above mentioned scenarios, start preparing. We cannot blame our parents because no one offered longterm healthcare before but their kids have all the right to do so because it's readily available now here in the Philippines.

Know more about longterm healthcare savings program

Message me to attend our free financial webinar