Nancy Arandilla Lugatiman

23/01/2026

Good news, IMG Campaigners at mga nag-iisip pang sumali sa IMG

Ready na ba kayong mag-level up ng kaalaman at palakasin ang mission natin? Join us sa Financial Literacy Seminar this February 7, 2026 sa IMG CDO Financial Center!

Whether you’re a new member, matagal nang campaigner, or isa sa mga nagko-contemplate pa lang mag-join sa IMG, this training will help sharpen your mindset, upgrade your tools, at bigyan kayo ng mas solid na strategies para mas marami pa nating matulungan na pamilyang Pilipino sa financial security.

Message me for more info.

Good news, IMG campaigners in Cagayan de Oro! 💙

Get ready to deepen your knowledge and strengthen your mission at the upcoming Financial Literacy Seminar this February 7, 2026, at the IMG CDO Financial Center.

Whether you’re a new member or have been a campaigner for so long, this training will equip you with the right mindset, tools, and strategies to bring financial education closer to every family.

See you all there! ✨

07/01/2026

Tumanda ka nang may dignidad, hindi umaasa sa mga anak.

Maraming negosyante noon, pero tumandang walang ipon.
Maraming magulang ang ayaw maging pabigat—pero napipilitan.

👉HINDI PA HULI ANG LAHAT!

- May pondo sa pagkakasakit
- May seguridad sa pagtanda
- May maayos na pamana para sa pamilya

Kaiser Healthcare — frontliner hanggang sa iyong retirement years.

📩 PM me now.

Kilalanin ang FRONTLINER ng buhay mo!

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: Healthcare, Life Insurance, and Investment.

HEALTHCARE
Short -Term and Long -Term Medical Needs

LIFE INSURANCE
4-WAY INSURANCE COVERAGE
1. Term Life
2. Accidental death and dismemberment
3. Waiver of installment due to death
4. Waiver of installment due to permanent and total disability

INVESTMENT
Annual lifetime healthcare benefits from years 8th to 20th accumulate with interest in a "Health Savings Account" which can earn interest beyond 20 years.

SAVING
(YEAR 1 TO 7)
This is the phase where the plan holder is made to save for 7 years only.
During this period, the plan holder gets to enjoy the following benefits and privileges:
✔️ Annual Physical Exam (APE)
✔️ Basic Dental Benefits
✔️ Waiver of installments due to death
✔️ Waiver of installments due to disability
✔️ Basic Medical Benefits
✔️ Term Life Insurance for 20 years
✔️ Earn dividends on your contributions (starting on the 2nd year)
✔️ Member’s choice of room and board
✔️ Annual Benefit Limit In-Patient Care or Hospitalization Benefit (starting at 50,000 per year depending on the plan)
During this period, pre-existing conditions are not covered. This is to protect the healthy plan holders and the company.

COMPOUNDING
(YEAR 8 TO 20)
During this phase, you no longer pay for your Kaiser LTC.
✔️ At this stage, your health funds (plus the accumulated dividends from the Saving Period), are strategically invested in the Stock Market (thru Mutual Funds). Thus, empowering your investment to grow at an average rate of 10% per annum.
✔️ Your medical benefits are basically similar to those in the Paying Period---but this time, payments for medical-related expenses shall be taken cared of by your available funds under compounding or accumulation.
✔️ You get additional health benefits
✔️ VISA Card shall be issued after completion of 7-year contribution
✔️ Term Life Insurance for 20 years (starting at the accumulation period up to the end of extended period)
✔️ Accidental Death and Dismemberment for 20 years (starting at the accumulation period up to the end of extended period)
The plan holder no longer needs to contribute in his account but just have to wait for its maturity. The funds inside Kaiser are invested in mutual funds handled by one of the top investment companies in the Philippines.

MATURITY
(YEAR 20 ONWARDS)
Upon Maturity of your Kaiser LTC, you will enjoy the following benefits:
✔️ Total accumulation of unused health benefits
✔️ LongTermCare Benefit
✔️ LongTermCare Bonus (Up to 85% of return on premium contributed when there are no claims from hospitalization during the Paying Period)
✔️Your health funds shall be as good as cash!
✔️You now have 3 options: Withdraw all your money (option to close your LTC account with Kaiser International); Withdraw a portion of your matured funds; or Let your funds be fully invested with Kaiser to serve as your lifetime healthcare fund and retirement money.
✔️ Whatever amount that remains in your Kaiser LTC health fund shall continue to grow at a guaranteed rate of 6-10% per annum.
Upon age 60 or 65 (if Plan is already matured), the person can then decide to convert it as pension type example getting the annual interest only per year, or withdraw it all as lump sum retirement fund.
Eligibility & Pre-Computed Plans
✔️You should be 10 to 60 years old to avail.
✔️All Filipinos can avail, even OFWs.
✔️You can avail even if you have existing illness and it will be subject for approval.

Do something today that your future self will thank you for.

Your for your journey
👩‍🦰 Nancy Arandilla Lugatiman

www.imgcarespinoy.com

27/12/2025

Did you know?

Health planning before the New Year helps families avoid stress and unexpected medical costs.

Did You Know?

Early health planning means fewer worries and better financial protection for your family.

Kaiser is here to help you start the year protected.

20/12/2025

Pagod ka na kakaisip kung hanggang kailan ka kakapit sa iisang income?

Hindi mo kailangan ng perfect timing—kailangan mo ng desisyon. Para sa sarili mo. Para sa pamilya mo.

Join now. https://tinyurl.com/IMGregisterHere
Message me today.

www.imgcarespinoy.com

05/12/2025

I’ve been learning more about the importance of saving, investing wisely, and being surrounded by a community that values financial discipline and long-term planning.

Grateful to be part of discussions that encourage better money habits and financial awareness—especially for families and OFWs.

18/11/2025

Just like a small seed grows over time, I’ve been learning how starting early with savings, health awareness, and long-term planning can really make a difference for families.

Grateful to be part of conversations that focus on financial education and encouraging people to think ahead for their health and future security.

18/11/2025

Sobrang sakit makita ang mahal mo na umaalis… lalo na kapag hindi mo alam kung kailan ulit kayo magkakasama.

Pero lately, I’ve been reflecting on how important it is for families to plan ahead—financially, emotionally, and for the future—so that decisions are made with clarity and not fear. ❤️

Imagine a life na mas panatag ang loob, mas handa sa bukas, at mas malinaw ang direksyon ng pamilya.
Isang buhay na pinaghahandaan, pinapahalagahan ang oras na magkakasama, at inuuna ang long-term security.

Grateful to be part of conversations and communities that promote financial awareness and responsible planning for Filipino families and OFWs.

18/09/2025

Do it yourself. Baguhin ang buhay mo. Protektahan ang pamilya mo.

Lately I’ve been reminded how powerful the right knowledge can be—especially when it comes to finances, preparedness, and planning for the future.

Maraming tao ang nagiging mas confident sa pag-handle ng kanilang resources dahil nag-invest sila ng oras sa pag-aaral at pag-improve ng kanilang money habits.

Grateful to be part of learning communities that focus on education, responsibility, and helping families make wiser choices for tomorrow.

17/09/2025

Ang hirap talaga mag-ipon lalo na kapag sunod-sunod ang gastusin—bayarin sa bahay, pagkain, pamasahe, at biglaang emergencies. Minsan, kahit anong tipid, parang kulang pa rin ang sweldo. May mga temptations din tulad ng sales at online shopping na madaling makaubos ng budget.

Pero kahit mahirap, mahalagang magsimula pa rin magtabi kahit konti para sa future. Unti-unti lang—basta tuloy-tuloy—makakabuo rin ng ipon.

Lately I’ve been learning more about budgeting, emergency funds, and the value of being surrounded by people who encourage disciplined saving and long-term thinking.

17/09/2025

Your One-Stop-Shop to Everything You Need to Know on Financial Independence
It doesn’t matter what your background is. Heck, not even your level of education.

What matters is what you do with that kind of information that you have.

So we thought of a way to do it so SIMPLE so that everybody can do it.

So that YOU can do it, too!

And that’s our main advocacy.

We want to help create wealth for families. To make a difference for families so there will be No family left behind.

We are the International Marketing Group (IMG). We help people Move from Dreaming to Doing. We bring life-changing financial concepts and solutions to middle income individuals and families who are overlooked by the financial industry.

Whether you’re a man or woman, old, young, married, unmarried...Even if you’re buried in debts or simply want to live a free, rich life?
..this will work for you!

Be a member now. PM me.

16/09/2025

Bakit kailangan ng healthcare / HMO?

KASI...

Hindi naman lahat ng tao, didiretso agad kay St. Peter—paano kung kailangan mo munang dumaan kay St. Luke? Tatanggapin ba ni St. Luke ang certificate mo mula kay St. Peter?

Magkaiba si St. Peter at si St. Luke—magkaiba ang gastos sa pagpapalibing at sa pagpapagamot.

Para sa mga nagsasabi ng, “May St. Peter plan na ako", "okay na ‘yan", "dagdag gastos lang ang healthcare insurance,” mag-isip muna.
I-review kung ano talaga ang meron ka. Baka hindi mo pa lubos na naiintindihan ang coverage ng plan mo. Hindi lahat ng hawak natin ay sapat, at minsan, hindi pala ito tugma sa pangangailangan natin kapag dumating ang oras.

Sulitin ang bawat pisong pinaghirapan. Mahalaga ang financial literacy para sa tamang desisyon.