IMG - Ormoc City Leyte" Free Financial Education"

Sa PAG IIPON o PAG IINVEST
hindi sapat na batayan
Kung malaki o maliit ang sahod.
Importante tamang mindset at disiplina.
Importante din ang pag aaply sa bawat malalaman dahil ito ang simula ng pag asenso sa buhay.

Mag IPON at INVEST hanggat bata ka at malakas.

Wala namang mawawala sa iyo bagkos may matutunan ka pa.

Give yourself a chance
Paano? Direct message me.

Kahit sino pa ang manalong Presidente, kung hindi ka nag IIPON, hindi ka nag IINVEST ay Talong talo ka talaga!
- Rex Mendoza

WALA SA PRESIDENT, SA GOBYERNO, SA BANGKO, SA FAMILY, SA KAIBIGAN OR IBANG TAO NAKASALALAY ANG FUTURE MO KUNDI NASA MGA KAMAY MO MISMO.

HUWAG MONG IAASA SA IBA ANG RESPONSIBILITY NA DAPAT IKAW ANG GAGAWA❗

bit.ly//beOneOfUsNow


©tto

CONSUMER -- Naglabas ka ng pera mo( kumain, nag shopping, etc.), pero walang bumalik sayo !

INVESTOR/ SHAREHOLDER -- Naglabas ka ng pera mo, pero pwede kang mging Part-Owner o Shareholder ng Jollibee at ng iba pang Top Corporation sa Pilipinas.

Alam mo ba na sa halagang- P 20 or P- 1,000 pesos pwede ka na maging bahagi ng Jolibbee at naglalakihang kumpanya na yan through Mutual Funds Investment?

Tara na at mag aral kung paano ang tamang pag i-invest at pagpapalago ng iyong pera.

Message ka lang I will guide you ...

Me 3 klase ng healthcare:

1, HMO or Short Term Healthcare - ito ung free benefit ng employer sa mga empleyado nila. Binabayaran ng company every year ang premium hanggang empleyado sila. Puede din itong individual plan kung saan ikaw mismo ang magbabayad ng premium kada taon, kung gusto mo na me health coverage ka. Bayad ka ng premium kada taon at Pag hindi nagamit, hindi na maibabalik pa ang ibinayad. Ang coverage nito ay hanggang 60 years old lang.

2,Senior Healthcare - almost same ng Short Term Healthcare, pero ito ay para sa mga edag 61 at pataas. The most expensive health plan. Bayad din kada taon hanggang age 100. At pag hindi nagamit, hindi na din maibabalik pa ang ibinayad.
Long Term Health Care - ang plan na designed na pag-ipunan habang bata, kumikita at malakas pa para me magamit sa panahon ng katandaan or retirement years. Pag hindi nagamit ang health benefits, ito ay nagiging investment na nagko-compound.
3, Pag-iipunan lang ng Pitong (7) taon, me healthcare protection nang magagamit sa mahabang retirement years.

Marami pang matututunan tungkol sa long term health care via free zoom webinar
Registration link - bit.ly//beOneOfUsNow

Manila Bankers Life Insurance Corporation has awarded the benefit claims of Mr. Romarch Mahinay.

In this time of difficulties, it is important to guarantee the future of your family. That is why Manila Bankers Life is the best way to show your love, because we will take care of your family's security whenever this kind of eventuality arise.

The Ultimate Kaiser Health Builder Plan is a healthcare plan that empowers individuals to take charge of their own health and future.

Kaiser International Healthgroup, Inc. is a product-based corporation that is actuarially sound. It combines the best aspects of a Health Maintenance Organization (HMO), a health savings account, and a financial investment.

A first-of-its-kind program in the country's HMO scene;
☑️ All-in-one healthcare coverage, savings, emergency fund, and insurance;
☑️ Ensures long-term care even when the client reaches the age of sixty and beyond, when he has only himself to rely on;
☑️ An account that you can take with you! Your plan and funds will follow you even if you change or lose jobs.
☑️ Return of Payment in the first seven (7) years of coverage for non-utilization;
☑️ A four-way insurance coverage:
✔️Term Life
✔️Accidental death and dismemberment
✔️Waiver of installment due to death
✔️Waiver of installment due to permanent and total disability;
☑️ Outpatient benefits, annual physical examinations and dental coverage;
☑️ No exclusions from 8th year onward;
☑️ Flexible, Upgradeable within 30 days;
☑️ Individual coverage is available, but it can also be implemented in businesses as a health savings salary deduction scheme.
☑️ Annual lifetime healthcare benefits accumulate with interest in a "Health Savings Account" from years 8 to 20.
☑️ "Health Savings Account" earn interest beyond 20 years.
☑️ Payable over a period of seven years only, with fix rates for the duration of the payment period;
☑️ Issue age up to 60, but coverability extends after 60; and,
☑️ Reinstatement can be done within 2 years after lapsed policy.
☑️ Benefits can be used up to any age.

For more information and queries, you may reach us at bit.ly/kaiser-registration

The most important financial product you need to have today is HEALTHCARE.

We all know that...
👉 PhilHealth is not enough.
👉 Short-term healthcare is not enough.

We all know that...
👉 VUL is not a healthcare plan.
👉 Hospital Income is not a healthcare plan.
👉 Critical Illness is not a healthcare plan.

We all know that...
👉 Asking for help on Facebook is not enough.
👉 Soliciting is not enough.

You might end up selling your properties, withdrawing all your money, acquire a lot of debt just to pay the hospital bills.

That's why it's very important to start building up your long-term healthcare savings starting today.

Kaiser Long Term Care

A 3in1 savings program that has healthcare, life insurance and investment. You only need to save for 7 years and you're lifetime covered with healthcare.

✅ If you think healthcare is expensive, try getting sick without it.
✅ Iba pa rin kapag may peace of mind... And you don't want to become a burden to your family and friends, right?

Time is our greatest ally in building wealth 🙋🏻‍♀️
A lot of older people are playing catch up saying "bakit ngayon ko lang nalaman ang tungkol dito, andami ko nang pera na nasayang."

Start today, while you still can. ❤️👌🇵🇭
Ask me how😊🤗🙋‍♀️
https://bit.ly/kaiser-registration

ALAM NIYO BA?

.. na ang mga taong nagiging Successful ay BINGI...

..bingi sa mga negative na sinasabi ng iba!

They FIGHT for their Dreams. They don't quit. And they only listen to their Mentors and to people who want them to reach their Goals.

At alam niyo ba bakit maraming taong negative ang sinasabi?

Gusto nila tabla lang kayo - manatili kayong lahat na hindi maganda ang buhay.

➡️ Message me for FREE coaching and join us in our free Orientation seminar online via Zoom. bit.ly//beOneOfUsNow

The most important financial product you need to have today is HEALTHCARE.

We all know that...
👉 PhilHealth is not enough.
👉 Short-term healthcare is not enough.

We all know that...
👉 VUL is not a healthcare plan.
👉 Hospital Income is not a healthcare plan.
👉 Critical Illness is not a healthcare plan.

We all know that...
👉 Asking for help on Facebook is not enough.
👉 Soliciting is not enough.

You might end up selling your properties, withdrawing all your money, acquire a lot of debt just to pay the hospital bills.

That's why it's very important to start building up your long-term healthcare savings starting today.

Kaiser Long Term Care

A 3in1 savings program that has healthcare, life insurance and investment. You only need to save for 7 years and you're lifetime covered with healthcare.

✅ If you think healthcare is expensive, try getting sick without it.
✅ Iba pa rin kapag may peace of mind... And you don't want to become a burden to your family and friends, right?

Time is our greatest ally in building wealth 🙋🏻‍♀️
A lot of older people are playing catch up saying "bakit ngayon ko lang nalaman ang tungkol dito, andami ko nang pera na nasayang."

Start today, while you still can. ❤️👌🇵🇭
Ask me how😊🤗🙋‍♀️
https://bit.ly/kaiser-registration

Ang tao ay masipag magtrabaho para magkapera. Pero alam mo ba na ang pera ay mas masipag magtrabaho para sayo?
Konti lang ang may alam about Philippine Stock Market or Mutual Funds sa Pilipinas.
Ito ang pinaka LEGAL sa lahat ng investment. 😬 Dito pwede kang mag INVEST at bumili ng shares sa mga malalaking kumpanya sa halagang 1,000 initial. At pwedi kayo mag add/top-up sa halagang 20 pesos lamang kung magiging part kayo sa IMG.
So habang kumikita sila, kumikita ka din bilang shareholder/investor ng kumpanya.
Hindi ka pwedeng customer/consumer lang, dapat share holder din😃 Sali ka turuan kita?
Please register here👇
bit.ly/beOneOfUsNow
Email us 👇 [email protected]

𝐀𝐧𝐨 𝐛𝐚 𝐦𝐞𝐫𝐨𝐧 𝐬𝐚 𝐊𝐀𝐈𝐒𝐄𝐑 𝐧𝐚 𝐝𝐚𝐩𝐚𝐭 𝐦𝐨𝐧𝐠 𝐩𝐚𝐠 𝐢𝐬𝐢𝐩𝐚𝐧?
𝐀𝐍𝐎 𝐚𝐧𝐠 𝐩𝐚𝐠𝐤𝐚𝐤𝐚-𝐢𝐛𝐚 𝐧𝐠 𝐁𝐄𝐍𝐄𝐏𝐈𝐒𝐘𝐎 𝐍𝐆 𝐊𝐀𝐈𝐒𝐄𝐑, 𝐬𝐚 𝐢𝐛𝐚𝐧𝐠 𝐇𝐌𝐎?
𝑅𝑒𝑎𝑑 𝑡𝑖𝑙𝑙 𝑡ℎ𝑒 𝐸𝑛𝑑 𝑡𝑜 𝑘𝑛𝑜𝑤 𝑏𝑒𝑡𝑡𝑒𝑟 😊

𝗥𝗲𝗴𝘂𝗹𝗮𝗿 𝗛𝗠𝗢
➳ 𝑇𝑎𝑜𝑛-𝑡𝑎𝑜𝑛 𝑘𝑎 𝑚𝑎𝑔 𝑏𝑎𝑏𝑎𝑦𝑎𝑑 𝑝𝑎𝑟𝑎 𝑖𝑘𝑎𝑤 𝑎𝑦 𝑐𝑜𝑣𝑒𝑟𝑒𝑑 𝑎𝑡 𝑡𝑢𝑚𝑎𝑡𝑎𝑎𝑠 𝑎𝑛𝑔 𝑏𝑖𝑛𝑎𝑏𝑎𝑦𝑎𝑟𝑎𝑛 𝑚𝑜 𝑘𝑎𝑠𝑖 𝑛𝑎𝑑𝑎𝑑𝑎𝑔𝑑𝑎𝑔𝑎𝑛 𝑎𝑛𝑔 𝑒𝑑𝑎𝑑 𝑚𝑜.
➳ 𝐻𝑖𝑛𝑑𝑖 𝑘𝑎𝑛𝑎 𝑚𝑎𝑘𝑎𝑘𝑎𝑎𝑣𝑎𝑖𝑙 𝑘𝑢𝑛𝑔 𝑚𝑎𝑦 𝑠𝑎𝑘𝑖𝑡 𝑘𝑎 𝑠𝑎 𝑝𝑎𝑛𝑎ℎ𝑜𝑛 𝑛𝑎 𝑖𝑘𝑎𝑤 𝑎𝑦 𝑛𝑎𝑔 𝑎𝑝𝑝𝑙𝑦, 𝑘𝑎ℎ𝑖𝑡 𝑟𝑒𝑔𝑢𝑙𝑎𝑟 𝑘𝑎𝑛𝑔 𝑐𝑙𝑖𝑒𝑛𝑡.
➳ 𝑁𝑜 𝑟𝑒𝑏𝑎𝑡𝑒 𝑝𝑎𝑔 𝑑𝑖 𝑚𝑜 𝑛𝑎𝑔𝑎𝑚𝑖𝑡 𝑑𝑎ℎ𝑖𝑙 ℎ𝑒𝑎𝑙𝑡ℎ𝑦 𝑘𝑎 𝑡ℎ𝑎𝑡 𝑦𝑒𝑎𝑟.

𝗞𝗮𝗶𝘀𝗲𝗿 𝟯 𝗶𝗻 𝟭
✅ 3𝑖𝑛1 𝑝𝑟𝑜𝑑𝑢𝑐𝑡. 𝑀𝑎𝑦 𝐻𝑜𝑠𝑝𝑖𝑡𝑎𝑙𝑖𝑧𝑎𝑡𝑖𝑜𝑛 𝐻𝑒𝑎𝑙𝑡ℎ𝐶𝑎𝑟𝑒 + 𝐼𝑛𝑐𝑜𝑚𝑒 𝑅𝑒𝑝𝑙𝑎𝑐𝑒𝑚𝑒𝑛𝑡 + 𝐼𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝑘𝑎 𝑛𝑎𝑛𝑔 𝑚𝑎𝑔𝑎𝑔𝑎𝑚𝑖𝑡. 𝑊𝑎𝑙𝑎 𝑘𝑎𝑛𝑔 𝑒𝑥𝑡𝑟𝑎𝑛𝑔 𝑏𝑎𝑏𝑎𝑦𝑎𝑟𝑎𝑛 𝑝𝑎𝑟𝑎 𝑒-𝑎𝑣𝑎𝑖𝑙 𝑖𝑠𝑎-𝑖𝑠𝑎. 𝐾𝑎𝑦𝑎 𝑚𝑎𝑦 𝑝𝑒𝑎𝑐𝑒 𝑜𝑓 𝑚𝑖𝑛𝑑 𝑘𝑎.
✅ 𝑉𝑒𝑟𝑦 𝐴𝑓𝑓𝑜𝑟𝑑𝑎𝑏𝑙𝑒. 7𝑦𝑒𝑎𝑟𝑠 𝑘𝑎 𝑙𝑎𝑛𝑔 𝑚𝑎𝑔-𝑖𝑖𝑝𝑜𝑛. 𝑀𝑎𝑏𝑢ℎ𝑎𝑦 𝑘𝑎 𝑚𝑎𝑛 ℎ𝑎𝑛𝑔𝑔𝑎𝑛𝑔 100 𝑦𝑒𝑎𝑟𝑠 𝑚𝑎𝑦 ℎ𝑒𝑎𝑙𝑡ℎ𝑐𝑎𝑟𝑒 𝑘𝑎 𝑝𝑎 𝑟𝑖𝑛.
✅𝐶𝑜𝑣𝑒𝑟𝑒𝑑 𝑙𝑎ℎ𝑎𝑡 𝑛𝑔 𝑠𝑎𝑘𝑖𝑡, 𝑒𝑣𝑒𝑛 𝑝𝑟𝑒-𝑒𝑥𝑖𝑠𝑡𝑖𝑛𝑔 𝑖𝑙𝑙𝑛𝑒𝑠𝑠𝑒𝑠 𝑎𝑓𝑡𝑒𝑟 𝑡ℎ𝑒 𝑎𝑐𝑐𝑢𝑚𝑢𝑙𝑎𝑡𝑖𝑜𝑛 𝑝𝑒𝑟𝑖𝑜𝑑.
✅𝑆𝑎𝑔𝑜𝑡 𝑛𝑎 𝑙𝑎ℎ𝑎𝑡 𝑎𝑛𝑔 ℎ𝑜𝑠𝑝𝑖𝑡𝑎𝑙 𝑏𝑖𝑙𝑙𝑠 𝑓𝑟𝑜𝑚 𝑟𝑜𝑜𝑚 𝑎𝑐𝑐𝑜𝑚𝑚𝑜𝑑𝑎𝑡𝑖𝑜𝑛 𝑘𝑎ℎ𝑖𝑡 𝑖𝑙𝑎𝑛𝑔 𝑏𝑢𝑤𝑎𝑛 𝑘𝑎𝑝𝑎. 𝑈𝑢𝑤𝑖 𝑘𝑎𝑛𝑔 𝑚𝑎𝑦 𝑛𝑔𝑖𝑡𝑖 𝑠𝑎 𝑙𝑎𝑏𝑖 𝑎𝑡 𝑤𝑎𝑙𝑎𝑛𝑔 𝑖𝑛𝑖𝑖𝑠𝑖𝑝 𝑛𝑎 𝑢𝑡𝑎𝑛𝑔.
✅𝑈𝑛𝑙𝑖𝑚𝑖𝑡𝑒𝑑 𝐹𝑅𝐸𝐸 𝐶𝑜𝑛𝑠𝑢𝑙𝑡𝑎𝑡𝑖𝑜𝑛 𝑚𝑜. 𝐾𝑎ℎ𝑖𝑡 𝑎𝑟𝑎𝑤 𝑎𝑟𝑎𝑤 𝑘𝑎 𝑚𝑎𝑔𝑝𝑎𝑐ℎ𝑒𝑐𝑘-𝑢𝑝 𝑎𝑡 𝑘𝑎ℎ𝑖𝑡 𝑖𝑏𝑎 𝑖𝑏𝑎 𝑠𝑎𝑘𝑖𝑡 𝑚𝑜 𝑏𝑎𝑤𝑎𝑡 𝑎𝑟𝑎𝑤.
✅𝐾𝑢𝑛𝑔 𝑚𝑎𝑔𝑘𝑎𝑛𝑜 𝑎𝑛𝑔 𝑎𝑚𝑜𝑢𝑛𝑡 𝑛𝑎 𝑏𝑖𝑛𝑎𝑏𝑎𝑦𝑎𝑟𝑎𝑛 𝑚𝑜 𝑝𝑎𝑔𝑘𝑎𝑠𝑖𝑔𝑛 𝑚𝑜 𝑘𝑎𝑦 𝐾𝑎𝑖𝑠𝑒𝑟, 𝑦𝑢𝑛 𝑙𝑎𝑛𝑔 𝑎𝑛𝑔 𝑏𝑎𝑏𝑎𝑦𝑎𝑟𝑎𝑛 𝑓𝑜𝑟 7𝑦𝑒𝑎𝑟𝑠. 𝑁𝑜 𝑎𝑑𝑑𝑖𝑡𝑖𝑜𝑛𝑎𝑙 𝑓𝑒𝑒𝑠 𝑛𝑒𝑒𝑑𝑒𝑑.
✅𝐼𝑡𝑜 𝑎𝑦 𝑚𝑎𝑦 𝐹𝑎𝑚𝑖𝑙𝑦 𝐴𝑠𝑠𝑖𝑠𝑡𝑎𝑛𝑐𝑒. 𝑀𝑎𝑎𝑎𝑟𝑖 𝑚𝑜𝑛𝑔 𝑖𝑝𝑎𝑔𝑎𝑚𝑖𝑡 𝑠𝑎 𝑖𝑚𝑚𝑒𝑑𝑖𝑎𝑡𝑒 𝑓𝑎𝑚𝑖𝑙𝑦 𝑚𝑜𝑛𝑔 𝑛𝑎𝑔𝑘𝑎𝑠𝑎𝑘𝑖𝑡.
✅𝑀𝑎𝑦 𝑠𝑡𝑜𝑐𝑘𝑚𝑎𝑟𝑘𝑒𝑡 𝑖𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝑛𝑎 6 𝑡𝑜 10% 𝑛𝑎 𝑝𝑤𝑒𝑑𝑒𝑛𝑔 𝑔𝑎𝑚𝑖𝑡𝑖𝑛 𝑜 𝑖𝑝𝑎𝑚𝑎𝑛𝑎 𝑠𝑎 𝑖𝑦𝑜𝑛𝑔 𝑝𝑟𝑖𝑛𝑐𝑖𝑝𝑎𝑙 𝑏𝑒𝑛𝑒𝑓𝑖𝑐𝑖𝑎𝑟𝑦 𝑝𝑎𝑔𝑑𝑎𝑡𝑖𝑛𝑔 𝑛𝑔 𝑚𝑎𝑡𝑢𝑟𝑖𝑡𝑦.
✅𝐾𝑢𝑛𝑔 ℎ𝑒𝑎𝑙𝑡ℎ𝑦 𝑘𝑎 𝑤ℎ𝑖𝑙𝑒 𝑝𝑎𝑦𝑖𝑛𝑔 𝑦𝑜𝑢𝑟 𝑝𝑜𝑙𝑖𝑐𝑦, 85% 𝑅𝐸𝐵𝐴𝑇𝐸 𝑎𝑛𝑔 𝑚𝑎𝑏𝑎𝑏𝑎𝑙𝑖𝑘 𝑠𝑎 𝑖𝑦𝑜 𝑛𝑎 𝑝𝑎𝑙𝑎𝑙𝑎𝑔𝑢𝑖𝑛 𝑘𝑎𝑠𝑎𝑏𝑎𝑦 𝑠𝑎 𝑠𝑡𝑜𝑐𝑘𝑚𝑎𝑟𝑘𝑒𝑡 𝑖𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝑚𝑜.

bit.ly//kaiser-registration
𝑆𝑜 𝑎𝑙𝑖𝑛 𝑛𝑔𝑎 𝑏𝑎 𝑎𝑛𝑔 𝑚𝑎𝑠 𝑚𝑎𝑔𝑎𝑛𝑑𝑎?
𝑆ℎ𝑜𝑟𝑡 𝑇𝑒𝑟𝑚 𝑜𝑟 𝐿𝑜𝑛𝑔-𝑡𝑒𝑟𝑚 𝐻𝑒𝑎𝑙𝑡ℎ𝑐𝑎𝑟𝑒 (𝐾𝐴𝐼𝑆𝐸𝑅 3𝑖𝑛1)?
𝐾𝑢𝑛𝑔 𝑎𝑘𝑜 𝑎𝑛𝑔 𝑡𝑎𝑡𝑎𝑛𝑢𝑛𝑔𝑖𝑛, 𝑑𝑎𝑝𝑎𝑡 𝑚𝑒𝑟𝑜𝑛 𝑘𝑎 𝑝𝑎𝑟𝑒ℎ𝑜.
𝐶𝑙𝑖𝑐𝑘 "𝑺𝒆𝒏𝒅 𝑴𝒆𝒔𝒔𝒂𝒈𝒆" 𝑖𝑓 𝑦𝑜𝑢 𝑎𝑟𝑒 𝑖𝑛𝑡𝑒𝑟𝑒𝑠𝑡𝑒𝑑 𝑡𝑜 𝑘𝑛𝑜𝑤 𝑚𝑜𝑟𝑒 𝑎𝑏𝑜𝑢𝑡 𝐾𝑎𝑖𝑠𝑒𝑟 𝐻𝑒𝑎𝑙𝑡ℎ𝑐𝑎𝑟e.

Kaiser Ultimate Health Builder FAQ

Why do we call Ultimate Kaiser a level 1 investment, and why do we think this should be the first investment?

The rationale behind Kaiser Ultimate Health Builder is simple.

Buy it when you are young and healthy and able to pay, because it is something you know you will use when you are old, or sickly or no longer able to pay.

Suppose you get an Ultimate Kaiser Health Builder Plan K-45.
This means you contracted to pay P2,647 premium every month for seven years. In a nutshell, this is what you get:
-- term insurance for 20 years for P202,500, with ADD
-- waiver of premium in case of death during the paying period
-- health protection for at least 20 years
-- cash maturity value of approx P525k after 20 years.

What does this mean?

What if you die too soon?

If you pass away, after making a few installments:
-- Your policy gets fully paid ( waiver of premium )
-- Your beneficiary could claim PHP 202k for natural death, or PHP 405k for accidental death
-- Your beneficiary inherits the policy and could enjoy the health benefits, or claim up to PHP525k (a little less, because beneficiary already claimed insurance benefits) on policy maturity 20 years later
-- Total benefits up to PHP 930k.

If you become totally disabled after a few installments:
-- Your policy gets fully paid ( waiver of premium )
-- You get up to PHP 202,500 as insurance proceeds.
-- You could enjoy the health benefits, or claim up to PHP525k on policy maturity 20 years later
-- Total benefits up to PHP 727k.

What if you always get sick?

-- You can avail of up to P50k per year in hospitalization expenses for the first seven years ( excluding pre-existing illnesses and dreaded disease, and net of PhilHealth )
-- You can use whatever is the balance in your health savings account, for the 8th to 20th year. ( for any purpose, including pre-existing, dreaded disease, medical consultation, medical procedures and medication)

What if you live healthy and live too long?

-- You could enjoy the health benefits, or claim up to PHP525k on policy maturity 20 years later (for smallest K-45 plan),
-- You could keep your money with Kaiser, and it will earn 7-10% per annum. If you started at 20 years old, your plan could be worth up to P3.5MM by age 60. By that time, assuming 10% growth, you could even use the 10% ( P3.5M x 10% = P350,000 per year, or close to P30,000 per month) to augment your monthly income.

Why is this considered complete protection?
You invest your money in financial vehicles for three reasons:
-- protect your health to ensure you have provisions for unexpected medical expenses, so that you continue to be productive and in income-earning condition
-- protect your family with life insurance if the Lord takes you home early
-- protect your future with a health fund that grows ( and never shrinks in value except through withdrawal or use of benefits) in value.

-- In the first 7 years it is a hospital plan with free annual physical exam and free dental benefits.
-- In the next 13 years, it is a healthcare fund for hospitalization and outpatient care.
-- For 20 years it is life insurance protection.
-- Starting on the 8th year its fund value grows at 7-10% every year.
-- Upon maturity after 20 years, it becomes fully withdrawable, or used as emergency fund, or as a standby medical fund, or a pension fund.

Unlike plain insurance, which is normally a provision for you to leave money to your beneficiaries when you pass away, Kaiser Ultimate is something you can use for yourself, when you get sick, or in your old age.

Unlike plain insurance, Kaiser Ultimate is transferable, has zero charges and guaranteed not to decrease in value (except through withdrawal/use) after the 7-year accumulation period.

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