The Real Measure Of Your Wealth

24/01/2026

READ: All Filipinos can avail, even OFWs.
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.

TAKE NOTE:
7 years ka lang magsacrifice, magdiscipline sa iyong sarili sa pag iipon mo, konting tiyaga lang. Isipin mo kung dika mag take action ngayon, Habang tumatagal tumatanda ka.

Paiksi ng paiksi ang time mo na makapagprepare.
Act Now!

25/06/2024

ONE MILLION Retirement Fund???

May tatlong options ka na pwedeng gawin...

1.) PUT YOUR MONEY IN SAVINGS ACCOUNT
Para ma-hit mo ang 1,000,000 pesos retirement fund after 20 years.
Eto ang computation:
20 years × 12 months = 240 months
So how much money do we need to save to hit that 1 million retirement fund?
1,000,000 pesos ÷ 240 months = 4,166.67 pesos
Ibig sabihin nito ay kailangan mag-save ng 4,166.67 pesos per month para ma-hit natin ang 1 Million sa loob ng 20 years.
Kaya ba? mukhang mahirap bukod sa matagal ay mabigat ang 4,166.67 a month.

2.) PUT YOUR MONEY IN MUTUAL FUNDS
Kung average 12% per annum in 20 years using the Wealth Calculator ang kailangan mo nalang isave ay 1,000 per month, ang lalabas na result ay 978,031.12.
That's almost 1 Million Retirement Fund. Ang question kaya ba mag-save nag 1,000 per month? Of course! Kayang kaya, pero ang next question ay kaya mo ba gawin yan consistent sa loob ng 20 years?

3.) PUT YOUR MONEY IN KAISER SAVING PLAN
Ang Kaiser ay Long-term Healthcare, db? YES! Tama ka jan... pero hindi lang Healthcare ang meron si Kaiser, meron yang Life Insurance at Investment Component. Yung Investment component niya ay precomputed.
Just by saving/investing of 5,882 per month sa loob ng 7 years, magkakaron ka ng 1,166,168 pesos na retirement fund pagdating ng 20th year (maturity).

**************************

Anong pipiliin mo para ma-achieve ang 1 Million Retirement Fund?

1. Saving 4,166.67 pesos per month for 20 years

2. Investing 1,000 pesos per month for 20 years

3. Investing 5,882 pesos per month for 7 years

Message me for more details. 😃

14/03/2024

Deniah Mae

14/03/2024

Deniah Mae

Payday is waving 👋

Every payday or income we have, don't forget to apply the "ABUNDANCE FORMULA". 💚

The Abundance Formula

It’s simple. Just remember these 4 numbers: 100, 10, 20, 70.

💚 Earn 100 % - from YOUR SALARY / BUSINESS

💚 Give back / Tithe 10% - You must prioritize GOD. Return 10% to Him because all your blessings are from Him.

Malachi 3:10, ESV: "Bring the full tithe into the storehouse, that there may be food in my house. And thereby put me to the test, says the LORD of hosts, if I will not open the windows of heaven for you and pour down for you a blessing until there is no more need."

💚 Invest 20% - Do you know that we should also pay OURSELVES because we are the ones who get tired to earn money. Paying for yourself is not only a MATERIAL thing but through INSURANCE, SAVING AND HEALTHCARE so that when the day comes you'll be tired, you have an assistant and will have something to do in your aging. And if you can't work anymore.

💚 Spend 70% - we should learn to manage the remaining 70% for expenses. Live below your means.

👉 It's hard at first but if you try, YOU'LL BE THE ONE TO BENEFIT.

Abundance formula is a simple principle to guide you to successful money management. You may find it hard to follow at first, but with strong commitment and dedication to improve your personal finances, there is no reason for you not to achieve your financial goals.

Sa IMG, isa iyan sa unang mga tinuturo para maabot aabot ng tuluyan ang financial goals. ☝️

Tara! Join ka rin sa IMG Community para mapag-aralan ng higit paano maging prepared sa hinaharap, welcome ang kahit sino!

Save Money and Invest in the Right Way now, start learning today!

👉 https://312689ph.imgcorp.com/linkbio





Deniah Mae
Pinoy Financial Planner

14/03/2024

This was an interview na marami kang makukuhang realizations sa buhay:

𝐇𝐞𝐫𝐞 𝐚𝐫𝐞 𝐦𝐲 𝐭𝐨𝐩 𝟓 𝐥𝐞𝐬𝐬𝐨𝐧𝐬..

1. 𝑯𝒊𝒏𝒅𝒊 𝒎𝒂𝒅𝒂𝒍𝒊 𝒂𝒏𝒈 𝒃𝒖𝒉𝒂𝒚 𝒏𝒈 𝒊𝒔𝒂𝒏𝒈 𝑶𝑭𝑾, yong mawalay ka sa pamilya mo at kailangan mong tiisin lahat ng hirap, para lang may maibigay ka sa kanila. Kahit ibig sabihin pa non wala ka nang kinakain, at wala ka ng pera. Para sa kanila "go" ka lang.. ( sabi pa nga ni Jenela, "yong natitira nalang sa akin every month is 4k.. At yon ang pinagkakasya ko. Basta may maibigay lang ako sa kanila.)

2. 𝑴𝒂𝒉𝒊𝒓𝒂𝒑 𝒎𝒂𝒈𝒊𝒏𝒈 𝒊𝒔𝒂𝒏𝒈 𝒃𝒓𝒆𝒂𝒅𝒘𝒊𝒏𝒏𝒆𝒓. Ang dami mong i-sasakripisyo alang-alang sa pamilya mo.

3. 𝑴𝒂𝒔𝒂𝒌𝒊𝒕 𝒑𝒂𝒈𝒘𝒂𝒍𝒂 𝒌𝒂𝒏𝒈 𝒊𝒑𝒐𝒏, lalo na't matter of life, sickness and death sa mahal mo sa buhay. (sabi nga ni Jenela, "Parang ako yung kumuha ng buhay ng lolo ko".)

4. 𝑺𝒐𝒃𝒓𝒂𝒏𝒈 𝒉𝒊𝒓𝒂𝒑 𝒎𝒂𝒈𝒊𝒏𝒈 "𝒎𝒂𝒉𝒊𝒓𝒂𝒑" kasi you have no choice.

5. 𝑲𝒂𝒉𝒊𝒕 𝒈𝒖𝒔𝒕𝒐 𝒎𝒐𝒏𝒈 𝒕𝒖𝒎𝒖𝒍𝒐𝒏𝒈 𝒔𝒂 𝒊𝒃𝒂, pagwala kang means, wala talaga.. Mas uunahin mo yung pamilya mo.

𝐒𝐚 𝐥𝐚𝐡𝐚𝐭 𝐧𝐠 𝐦𝐠𝐚 𝐎𝐅𝐖𝐬, 𝐚𝐭 𝐛𝐫𝐞𝐚𝐝𝐰𝐢𝐧𝐧𝐞𝐫𝐬. Isang mahigpit na yakap para sa lahat.. 🫂 Kahit anong mangyari, huwag mo sanang kalimutan yong "sarili" mo.. Sana yong "favor" ni Lord ipagkakaloob Niya sa'yo. Sa tamang panahon.. Kapit lang at Laban parin sa buhay.. 🤝🏻💪🏻

----------------------------------
Our dedicated and hardworking overseas Filipino workers seek financial stability and freedom. Kaya kahit gaano man kahirap ang kumayod sa ibang bansa, sila ay magtitiis at mananatili upang maibigay ang pangarap ng kanilang mahal sa buhay.

And as a way to obtain financial wealth, IMG has different workshops and training courses that could help them improve their lives.

𝗟𝗲𝗮𝗿𝗻 𝗺𝗼𝗿𝗲 𝗮𝗯𝗼𝘂𝘁 𝗜𝗠𝗚:
https://312689ph.imgcorp.com/linkbio

"𝙊𝙪𝙧 𝙜𝙤𝙖𝙡 𝙞𝙨 𝙩𝙤 𝙚𝙙𝙪𝙘𝙖𝙩𝙚 30 𝙢𝙞𝙡𝙡𝙞𝙤𝙣 𝙛𝙖𝙢𝙞𝙡𝙞𝙚𝙨 𝙗𝙮 𝙮𝙚𝙖𝙧 2030"




Deniah Mae
Everyone

14/03/2024

Payday is waving 👋

Every payday or income we have, don't forget to apply the "ABUNDANCE FORMULA". 💚

The Abundance Formula

It’s simple. Just remember these 4 numbers: 100, 10, 20, 70.

💚 Earn 100 % - from YOUR SALARY / BUSINESS

💚 Give back / Tithe 10% - You must prioritize GOD. Return 10% to Him because all your blessings are from Him.

Malachi 3:10, ESV: "Bring the full tithe into the storehouse, that there may be food in my house. And thereby put me to the test, says the LORD of hosts, if I will not open the windows of heaven for you and pour down for you a blessing until there is no more need."

💚 Invest 20% - Do you know that we should also pay OURSELVES because we are the ones who get tired to earn money. Paying for yourself is not only a MATERIAL thing but through INSURANCE, SAVING AND HEALTHCARE so that when the day comes you'll be tired, you have an assistant and will have something to do in your aging. And if you can't work anymore.

💚 Spend 70% - we should learn to manage the remaining 70% for expenses. Live below your means.

👉 It's hard at first but if you try, YOU'LL BE THE ONE TO BENEFIT.

Abundance formula is a simple principle to guide you to successful money management. You may find it hard to follow at first, but with strong commitment and dedication to improve your personal finances, there is no reason for you not to achieve your financial goals.

Sa IMG, isa iyan sa unang mga tinuturo para maabot aabot ng tuluyan ang financial goals. ☝️

Tara! Join ka rin sa IMG Community para mapag-aralan ng higit paano maging prepared sa hinaharap, welcome ang kahit sino!

Save Money and Invest in the Right Way now, start learning today!

👉 https://312689ph.imgcorp.com/linkbio





Deniah Mae
Pinoy Financial Planner

14/03/2024

Deniah Mae

When your kids get sick, ikaw ang
mag bayad.

When your parents get sick, ikaw ang mag bayad.

But when you get sick, sino ang mag ba bayad? Anak mo? Parents mo? Friends mo? Relatives? Kapit bahay? Donation?

While you take care of others' safety, don't forget your own security.

Stay healthy.
But be prepared for contingencies.





👉👉https://312689ph.imgcorp.com/linkbio

14/03/2024

When your kids get sick, ikaw ang
mag bayad.

When your parents get sick, ikaw ang mag bayad.

But when you get sick, sino ang mag ba bayad? Anak mo? Parents mo? Friends mo? Relatives? Kapit bahay? Donation?

While you take care of others' safety, don't forget your own security.

Stay healthy.
But be prepared for contingencies.





👉👉https://312689ph.imgcorp.com/linkbio