Nancy Arandilla Lugatiman

10/08/2026

Financial education is for everyone.

Hindi mo kailangang maging mayaman, accountant, business owner, o finance expert bago matutong humawak ng pera.

Whether you’re an employee, OFW, parent, student, entrepreneur, or preparing for retirement..kailangan nating lahat matutunan kung paano kumita, mag-ipon, mag-protect, at mag-invest nang tama.

Dahil hindi sapat na masipag lang tayong kumita. Kailangan din nating malaman kung paano palaguin at protektahan ang pinaghirapan natin.

Kapag financially educated ang isang tao, mas nagiging maayos ang kanyang decisions. Kapag natututo ang buong pamilya, puwedeng mabago ang direksyon ng susunod na henerasyon. 👨‍👩‍👧‍👦

EARN with purpose
SAVE with discipline
PROTECT what matters
INVEST for the future

Huwag hintaying magkaroon ng financial crisis bago matutong maghanda.

Learn today. Build a better tomorrow.

10/08/2026

📦 Puno ang balikbayan box… pero kumusta naman ang ipon mo? 😅

Bilang OFW, natural sa atin ang maging mapagmahal at mapagbigay. Gusto nating mapasaya ang pamilya sa bawat padala... damit, sapatos, pagkain at kung anu-ano pa. ❤️

Pero habang binubuo natin ang magandang kinabukasan nila, huwag nating kalimutang may sarili rin tayong future na kailangang paghandaan.

Hindi masamang unahin din ang ipon. Hindi ito pagiging selfish—responsibilidad ito sa sarili at sa pamilyang umaasa sa atin.

Kahit maliit, magsimula ngayon:

- Magtabi muna bago gumastos
- Magtakda ng limit sa padala
- Gumawa ng emergency fund
- Mag-ipon at magplano para sa retirement

Love your family—but include yourself in the plan.

Save first. Send wisely. Build your future. 💙

09/08/2026

You’re never alone.

Faith is a quiet strength many of us share. It reminds us that even during uncertain seasons, we are guided, supported, and given the courage to keep moving forward.

The financial journey may sometimes feel overwhelming, but you don’t have to walk it alone. With faith, proper financial education, and a supportive community, every family can take one meaningful step at a time toward financial freedom.

Have faith. Gain knowledge. Take action. Build a better future.

Together, we can help more Filipino families move from financial uncertainty to confidence, security, and hope.

01/06/2026

The BIGGEST, LARGEST, and GRANDEST gathering of financial educators in the country!

The IMG Convention of Champions 2026

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