IMG Joanne & Junel Guiruela

26/05/2026

Hanggang saan aabot ang 𝟴𝟴 𝗽𝗲𝘀𝗼𝘀 mo?
Mag-ipon lang ng 𝟳 years 𝗶𝗻 𝗼𝗻𝗲 𝗽𝗹𝗮𝗻. May 𝗛𝗘𝗔𝗟𝗧𝗛𝗖𝗔𝗥𝗘, 𝗟𝗜𝗙𝗘 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 at 𝗜𝗡𝗩𝗘𝗦𝗧𝗠𝗘𝗡𝗧 ka na.
The 𝗯𝗲𝘀𝘁 𝗶𝗽𝗼𝗻 na 𝘄𝗮𝗹𝗮𝗻𝗴 𝘁𝗮𝗽𝗼𝗻.

𝑯𝒐𝒘 𝑫𝒐𝒆𝒔 𝑲𝒂𝒊𝒔𝒆𝒓 𝑳𝒐𝒏𝒈-𝑻𝒆𝒓𝒎 𝑯𝒆𝒂𝒍𝒕𝒉𝒄𝒂𝒓𝒆 𝑾𝒐𝒓𝒌?

It’s a 3-in-1 product that solves the 3 major Financial Needs of Filipinos:
- LONG TERM HEALTHCARE
- DEATH AND ACCIDENT INSURANCE
- INVESTMENT

3 PHASES OF LONG-TERM CARE PERIOD:

1️⃣. 𝑨𝒄𝒄𝒖𝒎𝒖𝒍𝒂𝒕𝒊𝒐𝒏 𝑷𝒆𝒓𝒊𝒐𝒅 (7 𝒚𝒆𝒂𝒓𝒔)
You start saving for 7 years while getting the following benefits:
✔️- Free Annual Physical Exam
✔️- Free Dental Benefits
✔️- Waiver of Installment due to death
✔️- Transfer of investment to beneficiary if planholder dies
✔️- Waiver of Installment due to disability
✔️- Basic Medical Benefits
✔️- Member’s choice of room and board
✔️- Free Hospitalization with Annual Benefit Limit (starting at 50,000/year depending on the plan)
✔️- Life insurance equivalent to contract price
✔️- Accidental Death and Dismemberment for 20 years
✔️- Lifetime network access to over 500 major hospitals and pool of doctors.

2️⃣. 𝑬𝒙𝒕𝒆𝒏𝒅𝒆𝒅 𝑷𝒆𝒓𝒊𝒐𝒅 (13 𝒚𝒆𝒂𝒓𝒔)
As a health savings product, the funds are invested and allowed to grow at an average rate of 10% yearly. You stop paying and wait for the money to grow thru compounding interest. Kaiser invests in mutual funds handled by Soldivo and Rampver Financials. Benefits include:
✔- Same as the accumulation period but all health/hospital benefits will be deducted from your Kaiser fund.
✔- Additional Health Bonus when the market is at top performance
✔- All diseases covered including pre-existing conditions, critical illnesses, dreaded diseases, and maternity/childbirth.

3️⃣. 𝑳𝒐𝒏𝒈-𝒕𝒆𝒓𝒎 𝑪𝒂𝒓𝒆 𝑷𝒆𝒓𝒊𝒐𝒅 (𝒃𝒆𝒚𝒐𝒏𝒅 20 𝒚𝒆𝒂𝒓𝒔)
Upon maturity, the plan holder will receive the following benefits:
✔- Total accumulation of un-used health funds
✔- Guaranteed longterm care benefit or the plan coverage
✔- Long term care bonus (up to 85% RETURN of premiums/moneyback when no claims are made during the accumulation period or within the first 7yrs.
✔Additional health benefits when the market is at top performance.
✔ Receives visa card where the funds are deposited.

Options upon maturity:
- Withdraw all the money.
- Withdraw a portion/interest only and growth continues.

Retain all and let it grow at an average of 10% Yearly.

Kaiser covers your medical bills when you're sick. But when you're healthy, Kaiser saves and invests your money for future use.

This is NOT your traditional healthcare where you pay every year, but has no returns/savings when you don't get sick.

The Kaiser long term plan covers beyond 60yrs old & above based on the health funds accumulated.

Message me to get started.

13/05/2026

Maganda ang Kaiser kung naintindihan mo lang sya.
Eto ang summary ng pagkakaiba sa dalawa. At lahat ng mga SHORT TERM HEALTHCARE parepareho lang po yan.
Ang pag kakaiba lang is walang kagaya ng KAISER LONG TERM HEALTHCARE.

02/05/2026

May KAISER Long Term Care ka na ba?

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:💥

1. - magagamit natin when we got sick, hindi na natin problema yung pampaospital. At cover tayo nito even when we retire - kung saan mas kailangan natin yung healthcare, kasi dyan na naglalabasan yung mga health conditions.💥

2. - in case something will happen to us unexpectedly - maaga tayo tinawag ni Lord, makaka-receive ang family ng life insurance money. This is crucial especially kung ikaw ay breadwinner - hindi na problem ang mga gastusin, pampaaral sa mga anak, at magagamit din na makapag-start ng business to generate continuous income. 💥

3. - kapag blessed tayo ni Lord with long life - 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 yung panahon na hindi na tayo kumikita ng active income kaya kailangan natin magbuild ng passive income as early as we can para kahit na hindi na tayo nagtatrabaho ay pumapatak parin yung income.

Grow your money faster, better, and safer by investing in Kaiser Long Term Care with 10% average returns per year. 💥

"Time is precious and regret is always at the end. Take control of your future while you can."
Be Healthy and Insured while investing!💥
Ctto

Act Now, secure your future!
If not now, when? kung wala ka nang oras? If not this, what else out there?💥

Message me for further details.

04/01/2026

Ang Healthcare at Life Insurance are two products na mabibili mo lamang kapag HINDI MO PA KAILANGAN? Pero kapag kailangan mo na - hindi ka na pwedeng bumili (even if you can afford it).

Buying a healthcare plan or insurance policy is a PRIVILEGE.

Dahil may mga taong gusto mag avail, pero di na pwede makabili.
It’s our healthy body, NOT our money, that enables us to buy it.

So ngayong bata ka pa, malusog ka pa, o wala ka pang sakit, this is the BEST TIME to start your Healthcare and Life Insurance.

Message me for Quotation based on your age. 😊

28/12/2025

1998 was the birth of IMG in the Philippines and was registered in the SEC in 2002.

Who really is IMG?
Historically, IMG system starts in America and Canada way back 1977. It is aligned with a world financial organization called World Financial Group (WFG).

Since 1977, it adopted a system called "System Builder" - a book which contains a proven system used not only by the WFG and IMG community but also of other leading financial institutions in the world!

IMG is not an investment company. You don't invest in IMG. It is focused on Financial Literacy.

• It's a brokerage organization of leading companies in the Financial Industry.

• A school for Financial Literacy -- under a life-long learning program with free financial coaching for life.

• A global community of Savers, Investors, Entrepreneurs, Financial Educators and Campaigners.

It offers Total Financial Solution. Meaning you learn from them not only on investing and saving but in all other aspects of personal and family financial management including financial planning.

As a school for Financial Literacy. You are encouraged to learn first before saving and investing. And because financial and investment companies are aligned with them, you can already practice what you have learned as a One-Stop-Shop in the Financial Industry.
One great thing about IMG when you invest is -- that you are developed to become your own money manager.

In other words, you are given direct access to the companies aligned with them without passing through a broker or an agent -- thereby maximizing the use of your money when saving and investing.

Through IMG also, you have the right to participate in its business as Associate Broker (optional) and it's assisted in building your own organization in the Financial Industry.

Be a part of millions of Filipinos na binago ang buhay sa pamamagitan ng tamang pag iipon at pag iinvest. Alamin at idiscover ang mga financial opportunities at investments that will be tailor-made for our needs today & the future - join the mission/advocacy to fight against poverty!

Everyone deserves to be educated. We want to make sure that NO FAMILY LEFT BEHIND when it comes to saving their future through financial education. - EXPERIENCE a much Better Life with IMG!❤️😇😊

Message for Details...

Be one of us!

17 Milyon na ang na educate ng IMG halfway na tayo sa goal na 30Mby2030!

28/12/2025

While looking at our bills, I realized… maybe the faces on money have a purpose. 👀

💸 20 / 50 / 100 — isa lang ang tao
👉 Reminder: kung sila pa lang ang laman ng wallet mo…
di ka pa ready for a relationship. 😂

💸 500 — dalawa na
👉 Meaning: pwede ka na mag-jowa. 🤣

💸 1,000 — tatlo na
👉 Translation: kaya mo na magka-pamilya. 😅

In the end, hindi dami ng pera ang basehan…
discipline, priorities, and purpose pa rin. 🤍

So…
IKAW — alin jan ang kadalasan nasa wallet mo? 🤣

03/10/2025

Congratulations po👏

Congratulations Sir CARLO GONZALO for choosing Ultimate KAISER Health Builder as your Lifetime HMO👏👏👏

25/09/2025

At last we met again before in Cbsua Sipocot Now in IMG Sipocot Financial Center Congratulations Marketing Director Lala Padua.

25/09/2025

Congratulations 👏👏👏

Congratulations Ma'am CHECHE ORCIO for choosing Ultimate KAISER Health Builder as your Lifetime HMO👏👏👏